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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Claiming From 1991 To 2000 The Fight Begins


livelylad
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Ok just starting this thread regarding my claim for charges from 1991 through to 2000. I am gathering all the information presently but i would be grateful of any advice.

 

Also rather pleased to hear the RBS charge 29.84% for unauthorised overdrafts I shall use this as my figure for contractual interest.

 

 

regards LL :D

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Thanks for starting this thread - will watch with keen interest as my case potentially goes back well beyond 6 years, in fact perhaps double, so it'll be fascinating to see how you get on; particularly with the interest rate you've chosen...!

 

Good luck.

If I've helped, please tick the scales at the bottom left of this message!

 

17th Sept: Found this site! :)

 

Lloyds TSB

 

22 Sept: Subject Access Req.

3 Nov: statements arrived. Charges calulated at:

A/c 1 - £2,178.01 + int of £1,206.54 (18.4% authorised)

A/c 2 - £206.11 + int of £211.07 (18.4%)

7 Nov - prelim.

3 Dec - LBA

13 Dec - £750 offered

23 Dec - £750 credited

28 Dec - rejection letter

2 March - issued

16 April - complained at court failure to forward defence

 

Halifax

 

22nd September: Subject Access Request.

4th November: No reply so LBA giving 7 days.

 

Cap One

 

22nd September: Subject Access Req.

5th October: Letter saying no record of account!

15th October: Replied telling them to try harder...

22nd October: Subject Access Req acknowledged.

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How can you manage to go back that far?

 

I just asked for my last 6 years of statements today!!

 

 

hi its all to do with sect 32 limitations act.

32.--

  • (1) .... where in the case of any action for which a period of limitation is prescribed by this Act, either-
    • (a) the action is based upon the fraud of the defendant; or
    • (b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or
    • © the action is for relief from the consequences of a mistake;

    [*]the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it. ....

    [*](2) For the purposes of subsection (1) above, deliberate commission of a breach of duty in circumstances in which it is unlikely to be discovered for some time amounts to deliberate concealment of the facts involved in that breach of duty. . . . (5) Sections 14A and 14B of this Act shall not apply to any action to which subsection (1)(b) above applies (and accordingly the period of limitation referred to in that sub-section, in any case to which either of those sections would otherwise apply, is the period applicable under section 2 of this Act).

using this as a basis i believe they have deliberatley hidden the true cost of charges from me.

  • Haha 1
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hi its all to do with sect 32 limitations act.

32.--

  • (1) .... where in the case of any action for which a period of limitation is prescribed by this Act, either-
    • (a) the action is based upon the fraud of the defendant; or
    • (b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or
    • © the action is for relief from the consequences of a mistake;

    [*]the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it. ....

    [*](2) For the purposes of subsection (1) above, deliberate commission of a breach of duty in circumstances in which it is unlikely to be discovered for some time amounts to deliberate concealment of the facts involved in that breach of duty. . . . (5) Sections 14A and 14B of this Act shall not apply to any action to which subsection (1)(b) above applies (and accordingly the period of limitation referred to in that sub-section, in any case to which either of those sections would otherwise apply, is the period applicable under section 2 of this Act).

using this as a basis i believe they have deliberatley hidden the true cost of charges from me.

Which is why this is so fascinating. The dougster - stick to your 6 year claim first LOL:)

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so what are our thoughts?

 

once you have done the first 6 year period can we go for the older ones?

when i win ...... 5% goes back to the site!

 

Halifax- 14/6/06 Data Protection Act.28/6/06 S.A.R - (Subject Access Request) - (Subject Access Request) handed in person. 2/7/06 Prelin sent for £3297. 19/7/06 LBA sent SETTLED

Halifax cc- 26/7 prelim for £140 - 14/8 LBA sent - 21/8 £ 70 offer - 22/8 Halifax agreed to pay £140 after call SETTLED

Halifax loan #1 - SETTLED

SMPL- 20/6/06 prelim sent for £610 4/7 sent lba after no reply. MCOL 29/9

Rooftop Mortgages - 20/6/06 prelim sent for £225. 29/6/06 letter rec'd saying no! /2/7/06 LBA sent

Capital One- 24/6/06 S.A.R - (Subject Access Request) sent. 2/7/06 prelim sent for £137. 19/7/06 LBA sent MCOL 29/9 SETTLED

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Hi livelylad, haven't done much research on this yet so apologies if it has been answered elsewhere in the forum but if you're going down this route how do you choose the rate of interest to use, and do you not need to have a history of the interest rates they have applied to your account over the years to make it kind of equitable?

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Hi livelylad, haven't done much research on this yet so apologies if it has been answered elsewhere in the forum but if you're going down this route how do you choose the rate of interest to use, and do you not need to have a history of the interest rates they have applied to your account over the years to make it kind of equitable?

 

 

There is a thread started by bankfodder regarding contractual interest,

http://www.consumeractiongroup.co.uk/forum/general/7252-new-way-looking-interest.html

 

Quote

So far we have been suggesting to everyone that they claimed the 8% because there is no express provision in the contract for a contractual rate of interest. However it seems to me to be quite arguable that there is an implied term in the bank contract based on the principle of "mutuality" or "reciprocity" -- in other words what is sauce for the goose is also sauce for the gander.

 

If this is correct then I think it is entirely reasonable to argue that where penalties have been unlawfully taken that this is the equivalent of borrowing by the bank and therefore the sum borrowed should attract a contractual rate of interest e.g. 16% - or if one wanted to say that the levying of penalties was unauthorised -- which of course it is -- then one could say that the contractual rate of interest was the unauthorised borrowing rate.

 

 

Also check out this thread

http://www.consumeractiongroup.co.uk/forum/general/37195-contractual-interest-limitation-act.html

 

 

i Am probably just going to go for their standard borrowing rate of 16.9% as i am sure the will not furnish me with the details of rates from 15 years ago.

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cheers livelylad. Have you seen this http://www.consumeractiongroup.co.uk/forum/general/7252-new-way-looking-interest-24.html#post295923 HadEnough has just won his at the contractual rate.

 

Yes, just to say today i won my other case against RBS £1954.54 get in get in get in....get in get in. Bring it on Cobblers for this new fight!!!!!!!:D :D :D

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i can't really offer much help as i didn't get passed the lba stage and my claim was small £114 which went up to £125 with the 29.84% ( only got the charges in june so that shows that it's worth it), all i can say is it can be done, and you should go for it but don't forget to state that thats the rate your using right from the start of your claim (prelim letter).if you have a look at my G/Fs thread http://www.consumeractiongroup.co.uk/forum/halifax-bank/18017-me-helifax.html her claim is a lot bigger than mine but the interest is taking it through the roof, only it's on hold until we can get enough cash to take them to court, a lot of your questions will be answered on her thread. keep the faith and never give up it is your money!! ;)

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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i can't really offer much help as i didn't get passed the lba stage and my claim was small £114 which went up to £125 with the 29.84% ( only got the charges in june so that shows that it's worth it), all i can say is it can be done, and you should go for it but don't forget to state that thats the rate your using right from the start of your claim (prelim letter).if you have a look at my G/Fs thread http://www.consumeractiongroup.co.uk/forum/halifax-bank/18017-me-helifax.html her claim is a lot bigger than mine but the interest is taking it through the roof, only it's on hold until we can get enough cash to take them to court, a lot of your questions will be answered on her thread. keep the faith and never give up it is your money!! ;)

 

Hi thanks i have read that thread already!:D best of luck to your GF

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Hmmm nice thread livelylad - I have been pondering about doing an older claim against Natwest and now reading this I may just give it ago. I found a file where my husband kept all the statements for an account we had with Natwest going from 1988 to 1995 and just added the charges in the region of £2.5k - I think I may be prepared to gamble the MCOL charge to give this ago - will be watching your thread with interest - GOOD LUCK

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Hmmm nice thread livelylad - I have been pondering about doing an older claim against NatWest and now reading this I may just give it ago. I found a file where my husband kept all the statements for an account we had with Natwest going from 1988 to 1995 and just added the charges in the region of £2.5k - I think I may be prepared to gamble the MCOL charge to give this ago - will be watching your thread with interest - GOOD LUCK

 

 

Best of luck i shall work out the cash this weekend.:D

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don't forget to state that thats the rate your using right from the start of your claim (prelim letter).

 

Sorry livelylad I can't seem to get an answer on my own hsbc thread, so I'm asking it here - I didn't ask for the contractual rate in my letters but haven't yet raised my court claim. If I want to backtrack and go for it do you know if I have to start all over or if one further letter with amended schedule will be sufficient?

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Sorry livelylad I can't seem to get an answer on my own hsbc thread, so I'm asking it here - I didn't ask for the contractual rate in my letters but haven't yet raised my court claim. If I want to backtrack and go for it do you know if I have to start all over or if one further letter with amended schedule will be sufficient?

 

 

Mmmmm not sure i know that you are supposed to ask for it at the prelim stage. i will try to find out and let you know.

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Sorry livelylad I can't seem to get an answer on my own hsbc thread, so I'm asking it here - I didn't ask for the contractual rate in my letters but haven't yet raised my court claim. If I want to backtrack and go for it do you know if I have to start all over or if one further letter with amended schedule will be sufficient?

 

 

Send another L.B.A (Letter Before Action) with the new details and schedule, you only need

give them 7 days too (Quote from Hagenuk:D )

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Sorry to bug you again Livelylad - you talked how you were going after the 29.5% contractual never done this before where is the best place to work this out ie spreadsheet etc - all the ones I can find are to do with the 8% - totally confused lol

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