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    • 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
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
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TV Licensing Online Bank Fraud - Clydesdale Bank wont refund me


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I got spoofed out of £1,000 by these fraudsters and the bank have refused to give me my money back.

I was stupid enough to fill in the form on line and then I found it strange

called bank to stop cards and they said it was online Sc@m.

They said they would watch my account, not to worry, and issued new card and pin.

 

3 days later my cards came and i got a call from "the bank" but it was the sc@mmers.

(They had my number from the online form I filled out for the fake refund).

 

They said they would send me a code to my phone and to confirm the code for security reasons.

I gave them the code and they started talking to me about what had happened and said someone tried to take £500 out my account but they blocked it and was calling to make sure it was not me.

During this time, they downloaded the bank app onto their phone and using the code, transferred online 3 transactions totalling £994.

 

After the call, I checked my account and noted then called the bank who stopped the account but could not stop the transactions.

 

After an investigation they said because I gave this code to them I am liable.

 

I have complained and they said I won't get my money back.

 

I want to know if this is right.

They knew this fraud was happening but did nothing to warn me and had a duty of care to watch out for me and protect my money.

 

I did not authorise these transactions, even though they had the code to download the app, the actual authorisation and transfers were not done by me.

 

I have been sick and unwell because of this and wondered if there was anything I can do because the bank should have done more to protect me and the transactions were not authorised.

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Youve been here for 7 yrs and got taken in by a very well known sc@m?

 

You bank cant refuse and the fca are down on record as saying as much.

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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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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I know.. I was really stupid and it all happened so fast and didn't think they could be so scandalous in the way they manipulated me.

i complained and they sent me a final letter saying they won't refund me.

 

Can you tell me if i should give them a letter before action

- I am unsure of the content though

- legal stance or what information i can put in the letter to encourage them to pay me back.

 

Any help with the letter would be appreciated.

Edited by dx100uk
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relate them to my article and give them 14 days before escalate this to the FCA/FOS etc.

  • Confused 1

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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Update: Today I obtained the DSAR.

They said on the letter "your request for credit information", I actually was explicit in what I wanted. Anyway, they only sent me bank statements and a password protected disk.

 

They did not send:

Account notes

Translation/transcript of calls

Any information relating to my banking app

No information about text messages sent to me from the bank.

 

1. What is my next step regarding this. As far as i am concerned, they have deliberately withheld this information/failed to comply with my GDPR/SAR request??

2. I have sent them a recorded letter giving them 7 days to refund me. They already sent a final letter clarifying their position, which is; they won't be refunding me. I am filing in a small claims court application after 7 days and will update you thereafter.

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Update: Court papers filled out and submitted. Awaiting bank defending/responding.

 

Question: Can anyone advise me of any terminology or rules or onus which refers to a bank having a duty of care when it comes to protecting customers accounts/money? Is there any information I can refer to at all regarding this information? The general bank contract/agreement is void of any such information. Thanks in advance.

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well done!

 

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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Whats happening with the court claim you issued ?

 

Andy

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please create your own topic by hitting create in the top red banner

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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