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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
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NATWEST and DATA PROTECTION ACT COMPLIANCE - READ THIS


BankFodder
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Devil- that is nonsense what you were told. Copy statements are £5 per request. So if you wanted back to 2002(I assume that is when the account was opened) then £5. You can phone the branch, walk to a branch send a letter to the branch, your choice but copy statements are £5

 

hi nattie

i sent 3x£5 postal orders to obtain my statements for 3 accounts and recieved 1 current account statement with one transaction on it. £5 withdrawn for historical statements making me £3.50 overdrawn. I love them

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  • 3 months later...
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hi all i was wondering if some one can help me. I am now sorting out the paperwork i need to reclaim my bank charges back from natwest as some days they are charging me £210 in one day and £35 every other day. I have sorted out my sar letter but i have two accounts so i sent the one letter with the two accounts or two letters (one for each account) both with £10 each in them or £10 between the two?

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  • 5 months later...

My account opened in the 80's as the account closed some 10 yrs later and I knew nothing about bank charges until 3 yrs ago what do you think my chances of getting statements are going that far back?

 

I only found the account details recently and when I wrote to NW when I found out about these charges they didn't have any record of my account (or so they said) as the branch turned into a Curry house. Any tips as I'd need the T & C's too I guess..

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My account opened in the 80's as the account closed some 10 yrs later and I knew nothing about bank charges until 3 yrs ago what do you think my chances of getting statements are going that far back?

 

I only found the account details recently and when I wrote to NW when I found out about these charges they didn't have any record of my account (or so they said) as the branch turned into a Curry house. Any tips as I'd need the T & C's too I guess..

The answer is that NatWest didn't get computerisation til the early 1990's so unless it was open in 1991/1992, I would be surprised if you got anything relating to that account albeit I do know how to get the terms and conditions, lol.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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The answer is that NatWest didn't get computerisation til the early 1990's so unless it was open in 1991/1992, I would be surprised if you got anything relating to that account albeit I do know how to get the terms and conditions, lol.

 

Hi yourbank :)

I think you are already aware of my thread http://www.consumeractiongroup.co.uk/forum/business-claims-bank-charges/81525-gandolfi-natwest-12.html

 

I'm trying to get Business and Personal T&Cs for accounts opened in 1989. Charges are for the period between 1994-2004.

 

If you know how to get them I'd be really grateful!

 

Gandolfi

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Hi yourbank :)

I think you are already aware of my thread http://www.consumeractiongroup.co.uk/forum/business-claims-bank-charges/81525-gandolfi-natwest-12.html

 

I'm trying to get Business and Personal T&Cs for accounts opened in 1989. Charges are for the period between 1994-2004.

 

If you know how to get them I'd be really grateful!

 

Gandolfi

 

I think I might be able to find out for you.

Edited by yourbank
  • Haha 1

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Another query....hoping this is the correct place to ask.

 

As well as my T&Cs, I also want to get copies of all letters sent to me by Natwest for my Personal and Business accounts (there are many over the years!). I asked on my original SAR (two years ago!) but just got statements from them.

 

Am I entitled to see them?

Do they still exist (1994-2004)?

 

Most importantly, how do I persuade Natwest to supply them while my court case is stayed...? Are they obliged to supply them under the Data Protection Act regardless of my claim?

 

All advice on how to get them, much appreciated.

 

Gandolfi

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Another query....hoping this is the correct place to ask.

 

As well as my T&Cs, I also want to get copies of all letters sent to me by Natwest for my Personal and Business accounts (there are many over the years!). I asked on my original SAR (two years ago!) but just got statements from them.

 

Am I entitled to see them?

Do they still exist (1994-2004)?

 

Most importantly, how do I persuade Natwest to supply them while my court case is stayed...? Are they obliged to supply them under the Data Protection Act regardless of my claim?

 

All advice on how to get them, much appreciated.

 

Gandolfi

 

Archive notes on the account exist 1994 to Oct 2002 and if you ask for the Archive notes, then they should supply them.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Archive notes on the account exist 1994 to Oct 2002 and if you ask for the Archive notes, then they should supply them.

 

Brilliant.

Where is the best place to write? Head office? Telford (where the accounts ended up)? Or, original branch?

 

Should I point out that I already submitted a SAR in 2007 for this information and give them 7 days to supply it? What if they don't supply the archive notes? Can I say that I will seek an order from the court for them to comply?

 

Thanks again,

Gandolfi

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Brilliant.

Where is the best place to write? Head office? Telford (where the accounts ended up)? Or, original branch?

 

Should I point out that I already submitted a SAR in 2007 for this information and give them 7 days to supply it? What if they don't supply the archive notes? Can I say that I will seek an order from the court for them to comply?

 

Thanks again,

Gandolfi

 

If you did a SAR in 2007 then you can tell them that you also require the archive notes. I wouldn't put a timescale on it, I didn't and I did send a SAR to NatWest but I used their office in Edinburgh for the SAR.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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  • 4 months later...

I just recieved all my son's bank statement going back to 1995 although it took a lot of effort and writing. Joyce E Tudor is the woman you should conatact at the Bishopsgate address.

 

I spent 3 months writing and over 50 letter although many are to do with 7 different complaints. But I am having trouble with the Crdit card peple and they insist that the OFT has said that only 6 years of statements need be sent off.

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  • 1 year later...
Bankfodder, I am 100% that NatWest data does go further back than 6 years so if that is what they are saying then it is a lie- and I do not use that word likely. Branches have something called the NatWest Archive a notes system from the old NatWest Bank plc days. It was effectively frozen in time on October 2nd 2002. The old system recorded a note automatically when a DD/cheque/SO was returned or whether it was paid even if it took it over the limit. It contains Marketing notes, complaints and a lot more else besides. All this info is not new info to the forum as I posted it months ago. These notes would go back to 1991.

 

i only got 6 years worth. i just phoned their them on 0845 711 4477 and their representative

denied the records go back any further than years. How can i make them give me ALL

the information i requested?

Edited by pop_gun
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  • 1 year later...

closed for ref now only

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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