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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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Debt_mountain vs BOS


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Good news bad news time.

 

Bad news is the BOS are playing silly beggars with the S.A.R - (Subject Access Request) data. Only sent some statements on 1 current account, otherone not even mentioned along with 1 of my loan accounts. Will keep pushing them for the next 2 weeks until the 40 dyas are up. I would rather have the info so I can start claiming than have to chase them for not replying fully.

 

Good news is the loan agreement they sent has a "purpose for loan" in the application form of "to pay off overdraft" so this will be included in my papers as a consequence of the unlawful charges. Hopefully a further £4500 going on some other claims.

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well you can send them a letter telling them how long they have left to comply with your dpa/sar request.

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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Thanks, I have just written that letter pointing out they have just over 1 week to comply. I am lovin' this new found confidence this site has given.

 

The shoe (or gutty in Scotland) is well and truly on the other foot.

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If they miss the 40 day dealine lodge a complaint against them with the Information Commissioner's Office. Things tend to move on a bit quicker after that...

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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  • 2 weeks later...

The 40 days has now passed and not all the info has been received so I am now going to send an LBA as I have read that the Information Commisioner route is currently lengthy due to the amount of claims so LBA it is.

 

I am just going to give them 7 days or its off to court.

 

I have used template 3 in the Library files.

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  • 2 weeks later...

currently having fun with these guys. They have failed the 40 day limit, failed the 7 day addition and got a call from Customer services asking for another couple of days to investigate before I proceed. I gave them til Friday. 3 days extra.

 

they say the clock for the 40days doen't start til they receive the DSAR and they have not received it yet as there is no proof.....I gave here the recorded slip numbers. "Oh" she said.

 

Roll on Friday.

 

 

complete cock up by them.

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  • 3 weeks later...

Well I sent my LBA off last week for 1 account (the one they had sent all the sataments for), the next day in the post they (a different department) made me an offer for 4 times the amount I was requesting. There was an acceptance form attached for me to sign and return.

 

I called them to try to understand what this was all about.

 

After investigating they said that this offer was for my second account, I asked "is that the account you have not yet sent me the statements for"? "Yes" was the reply.

 

I have today sent a fax for a part payment acceptance, accepting the offer in part payment for the second account but as they have failed the SAR and not supplied the statements I cannot accept this as F&F settlement (I would never do that anyway). I also informed them in the fax about the LBA they received last week and that if no offer was made on that account was received the N1 would be in the court on Monday next week.

 

today they called saying all the statements had been posted yesterday by speciial delivery and I would have them today.

 

Lets see what they were trying to hide by withholding the statements.

 

Sly old dogs that they are.

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When I got home the full set of statements were sitting on the door mat and once I had entered all the data into a spreadsheet it was obvious that the bank were trying a fast one. the charges added upto 3 times the amount offeres and even compound interest at 8% came to another 4 times their offer. So off goes my next fax to BAS/Halifax, again for a hugh amount of my unlawfully taken funds.

 

What a christmas we will be having.

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got a reply to my acceptance fo their part payment, but they have now chucked the toys out the pram and have taken my acceptance letter of the part payment along with my request for the full amount of charges (some 4 times their first offer - without me knowing what they owed me) as a rejection letter and withdrawn to initial offer. Oh dear Mr Judge may not look to kindly on that.

 

LBA ready to post when the prelim times out.

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  • 2 weeks later...

Posted the N1 to my nearest English court along with the fee.

 

Claiming a reasonable 4 figure sum + authorised interest and loss of savings interest

 

Can anyone tell me the BOS process through the English courts? Do they generally pay up the day before the end of the 14 day acknowledgement period or do they file a defence or wait for the AQs to be filed?

 

I have searched but not yet got an answer.

 

thanks

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Well if they follow their stablemates Halifax then it does not usually go to AQ.

They will acknowledge and state intention to defend.

a couple of days later they usually settle.

As always though I say be prepared ......its not 100% that they will follow the route as they have done.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Well if they follow their stablemates Halifax then it does not usually go to AQ.

They will acknowledge and state intention to defend.

a couple of days later they usually settle.

As always though I say be prepared ......its not 100% that they will follow the route as they have done.

 

Thanks Martin3030, I have issued the papers on the HBOS head office so it should follow the Halifax timetable.

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Got another letter from HBOS yesterday. I nearly wept as I read it, I could hear the violins in the background. They said they had offered my 6 months worth of my charges back but I had rejected that (no, I actually accepted it as part payment, but HBOS took the huff and recinded the offer but it was also before they had sent me my statements so how would I know if it was a good deal). They go on saying there are charges for bounced items (well tell me what these charges are then!!) what a shame....

 

Guess this reply was before they were served with the N1 form then.

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Got a photo copy of the above letter again for my LBA stage, shame they havent realised that the N1 was issued on them on Friday.

 

Also got a reply to my prelim telling them to stop sharing my data without my permission. Lets see how that one goes.

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no transferred to a Halifax thread as I have prelim'd, LA'd and N1'd Halifax Customer Relations. Just waiting for them to acknowledge it.....

 

>£5000 6 years and contractual interest.

 

Debt Mountain vs Halifax (Bank of Scotland)

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