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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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ianhduncan vs BOS


ianhduncan
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Hi

I'm a new member and I've been looking through this site for the last few days, trying to take it all in.

 

First of all I live in Scotland.

Since I opened my BOS account in 1998 I have retained all my statements. (I always told my wife they might come in handy)

I've composed a spreadsheet of my last five years charges.

The charges are listed into 2 main types.

1. Excess O/D Charge,

2. Charges to & Interest to

 

charges 2 always appear together in the statement.

 

I therfore do not require to obtain a list of charges to my bank, so I should now be ready to write a Preliminary approach letter.

 

In the template in the section 'What I require' .

The first value, is this all Excess O/D charges + Charges to ?

And the second value, all Interest to amounts ?

 

I know I've more questions, but the answer to these would help get me started.

 

many thanks

Ian

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Not Ian Duncan the piper by any chance?

 

I'm no expert, feeling my way through all this myself, but my understanding is that the first amount is as you describe. The second one is only the interest that has been charged because the charge made you overdrawn - so if you were charged, say, £100, and this made you overdrawn by £200 for two weeks, your interest claim is for interest on £100 for two weeks. Yes, it's rather complicated to work out ;)

 

Cheers,

Calum

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Hi Calum

Unfortunetly I'm not a piper, I couldn't even hold a tune in a bucket !

Thanks for the info, I've now calculated the charges and interest. I've now sent the PA letter via recorded delivery.

 

i'll keep this post updated with my progress.

cheers

Ian

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  • 2 weeks later...

The BOS received my letter on the 15th Sept (posted 11th Sept) and sent me a letter about them investigating and could take up to 4 weeks.

I've now got my LBA letter ready to be posted.

Should this not be posted until 29th Sept (14 days after they've replied to my PA letter ?)

Any info appreciated

Ian

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I have done the same thing. I just got my investigation letter and little booklet on how to complain today. I will give them 14 days from today and then send the next letter. I think your about 4 days ahead of me. Good Luck ! Firey

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  • 4 weeks later...

Right, just back from holiday, received another fob off letter from the bank.

Time for court. I'm going to do it using a Summary Clause as the cost is about £1100, this will save having to do multiple claims.

Any major differences between using Small claims and Summary Clause (Remember I'm in Scotland)?

thanks

Ian

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apart from potentially exposing yourself the the bank's legal costs - nothing really.

 

99.9%chance this wont happen as

a) the judge is highly unlikely to award costs to a bank at the expense of an individual and

b) It wont get to court anyway!

 

in other words......"Fill yer boots!"

 

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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you can get them here:

Summary Cause Forms

 

I believe you only need forms 1 and 1b

 

 

also, have a read through scotias thread at

 

http://www.consumeractiongroup.co.uk/forum/scotland/6165-scottish-procedure.html

 

 

This shoud give you everything you need.

 

j

  • Confused 1

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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