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    • The argument about the date of receipt is now dead because the PCN  does not comply with the wording  of the Protection of Freedoms Act 2012 Schedule 4.  First reason Section 9 [2] [e]  "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—(i)to pay the unpaid parking charges;" Second Reason Section 9 [2][a] "specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;" All your PCN does is mark the time you entered and left the car park. It does not include all the myriad things you do in between-driving into the car park, looking for a parking space-perhaps a disabled space or  parent and Child place@ getting the children or disabled person out of the car then going shopping. Coming back; loading the car with shopping [, getting the children or disabled into the car, taking the trolley back to the store; driving to the exit perhaps stopping to let vehicles/pedestrians cross in front of you etc. so subtracting the driving times from before and after parking can make quite a difference from their time to the actual period parking time. So the upshot is now that only the driver is responsible for paying the PCN and the keeper is not liable at all even if the name of the driver is never known by Nexus so well done for not appealing. You obviously want to keep it that way to make it very difficult for them to win in Court if it ever goes that far. Although your question is now moot since  the same objective has been achieved by the non compliant PCN [ie no keeper liability] just  about the only way to dispute the timing of the PCN would be if one kept the envelope and there was a discernible date stamp on it that did not match the date on the PCN. There is a new Act coming out [and it cannot come quickly enough ] and one of the things required is that parking companies will have to prove the date of sending out their PCNs. We are not the only ones who sometimes doubt the veracity of their dates particularly as the later it is sent [unlawfully] the shorter the period motorists have to benefit [?] from the reduced payment. I haven't seen it on your posts but do you know how long you are permitted to park for free?
    • I was so annoyed and frustrated about the fact this case was lost it's been floating around my head all night. Dave962, are you sure that's what the Judge said? .... It doesn't make sense. Did the judge in fact dismiss the case on the grounds that the defendant did not make an appeal within 28 days? Effectively telling the PPC about the error entering the registration number and providing proof of payment at that time? To me, that's an important point.  
    • The United Autoworkers Union took a risk in a Republican - and often anti-union - part of the US.View the full article
    • good spot...though i'm unsure, but it does seem like it can't be related to this latest issue as the OP mentions she knew nothing about the  order. dx  
    • wasn't that for the CCJ for the mental capacity with the leaseholder?   SO would be different to this.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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MINT CCA - Query


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Hi, Just a quick query. I requested a CCA from MINT. I finally received it after waiting over month (well outside the 12 working days). They have sent me a copy of my last statement and a copy of the credit agreement which was in place when I opened the account. Should they have sent me a copy of my application also, or would this be included in the SAR. Reason I ask is that the credit agreement discusses travel insurance and PPI, however I do not know if I had these. I was also charged stamp duty last month; can anyone advise what this is for? Sorry for all of the questions! :)

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I'm confused about this too! U sent a SAR request a couple of weeks ago so I'll see wht it turns up! I entered a payment plan with themso I'm guessing if I had anything it would have been removed. I've less than £100 outstanding so am hoping any charges and/or ppi will close this!

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  • 2 weeks later...

So I received my "non" sar from mint today. They have returned my cheque and provided a list if charges which gave been applied over the last 6 years. Data missing is 2004-2006 plus all other documentation they have in me! My question is regrading next steps. Do I just claim for the charges 2007 to date or pursue for other data? It's unlikely there are many charfes 2004-2006 ; could I guesstimate these based on average from 2007 to present day?

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Re submit the SAR with the failed SAR letter from the CAG library.

 

Tell them that you are enclosing both letters because they are in clear breach of the DPA by not giving you your data as requested in the original request and that their 40 days is still ticking. If the 40 days are up give them 14 to comply or you will report to the ICO and consider legal action to force compliance.

 

ims

 

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Thanks Ims. They have basically supplied the list of charges from April 2006 until today FOC. I am missing 2004-2006, I have a feeling this is because they are going by the 6-year rule. I don't think that I had PPI on this card (have a few random statements and cant see it). Should I return my original cheque back to them also? I was also wondering if it was worthwhile giving them a call. The account should be closed this month (woo hoo!!! :) one debt paid off!), so they may possibly still deal with me whilst its still active. I put the charges I do have into your spreadsheet and used the compounded interest rate of 24.9% (is this correct), in total the spreadsheet says I could be due circa £793! The credit limit on the card was only £500 :)

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ahhhh, I have had a look at the letter I sent to MINT and I have made a mjor error :( I have not sent a SAR request at all, I only rewuested charges for late payments etc for the last 6 years :( !!!! I am such an idiot! I have done the same for MBNA, but that was only opened in 2007 so I should be fine!!! Rats, back to the drawing board for me :(

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  • 2 months later...

Hey,

Again looking for advice. I sent off my bank charges request and have not heard anything back. I took my eye off the ball and never followed through with this. Its been a couple of months since I sent the claim for charges; should i just resubmit or send a LBA?

Thanks. If LBA, is there a template for this?

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