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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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:rolleyes: Well this is one of my favour sites now!! As I hope it will help me get back some money that I feel have been wrongly taken from me.

 

1. What is the difference between a Referral Charge and a Maintenance Charge?

2. Can the bank applie a charge if the overdraft limit was exceeded soley to another bank charge?

 

 

All advice gratefully welcome.

 

ps Will start a new thread re Internet banking which I feel is making even more money for the banks!!!:confused: :confused: :confused:

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Sorry it's me again the Newbie!!

 

I have some many agruement with the RBS with their internet banking as something seems to have changed recently!

 

Switch payments are deducted from the Account Summary, but are not yet on the Statement, (this is fine as it is done electronically) yet cheques that are showing on the Statement have not be deducted from the summary!!!

 

So basically if you have a cheque showing the statement - how do know if the summary is correct - apart from getting your calculator out!! Their agrument is 'the cheques may not have cleared through the account' - but this is with cheques coming out of the account?

 

I thought internet banking was to make life easier - it just seems to be a [problem] to make people become overdrawn but mis-informing them!! There does not seem to be an audit trail either to prove when you were in only the last time you were in???

 

Hiding something are they??

 

Sorry for the rant but I miffed to say the least and I have not calulated what they are due me!!

 

MODERATED post moved .. please keep to the one thread this is for everyone's benefit

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Yes, I agree.

 

Banks need some proper regulation - they have proved it time and time again - they are not to be trusted - they have unlimited funds and if they wanted to make their Internet banking as user friendly as possible they would employ GUI specialists.

 

For a contrast, Microsoft employed people and spent $30,000,000 on deciding which way the shadow should lay on their buttons when they developed Windows 2.0.

 

Now THAT is attention to detail!!!

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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1.

- Referal charge is where the bank decide to pay an item (cheque/SO/DD) that takes you over agreed borrowing limit (£30 per item, maximum monthly charge is £90. This is advised on your statement and debited to your account the 6th working day of the next month)

- Maintenance Charge occurs if you are ever over your agreed borrowing limit during the month a particular statement is produced (£28 for each monthly statement period your account has one (or more) instances of being overlimit, this is advised on statement and debited about two weeks after statement is sent out)

 

...and yes that means that if you get a referal charge you will definitely also get a maintenace charge. Well unfair! :(

 

2.

Yes they do charge you but as allanfromderby says they are both illegal so you will get your money back if you persist :)

(Yes I work for a bank but am here to help! Please be nice to me! :))

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  • 11 years later...
1. Doesn't matter - they are both unlawful.

2. Doesn't matter - if it is a charge for unauthrised o/d it is unlawful.

 

Alan I know this is outdated but I found this interesting as I have been told it’s part of the banks t&cs to charge these amounts. Relates from the same time line. Does that mean the bank is telling me porkies about what I can claim? And why?

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12yrs old!!

go start a new thread

of your OWN please

 

thread closed to stop newbie bumping

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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