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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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Can i claim for the interest from Loan


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Can anyone help.

I had £2770 of charges from The Royal Bank of Scotland and they offered a loan at a very high Apr to pay off these charges.

I was successful in claiming charges back and would not of had this loan if it were not for the bank charges.

My question to anyone is,

1. Can i claim back the interest for the loan which i feel was forced upon me?

2. If so how do i go about it and how do i put it in writing so that they will stand up and listen?

3. Is there some kind of act or law which i can quote at them to assist me with this?

4. Do i need to go to court over this and if so would i have a chance of winning?

I have tried speaking to someone at the bank but all i get from them is, "you were offered the loan and you accepted it". It did not matter to them that it was down to there charges that forced me into a corner to have it otherwise my wages, which went into the same account would have been swallowed up by them from the account where the charges were.

The staff are so annoying and seem now to be even more uncaring then before i claimed back my bank charges.

Please can anyone help and if so put a basic letter together for me to copy, on how to get the interest back.

 

Thanks to anyone who can help me with this matter. I will be in your debt forever. Debt of "LOVE"

 

gerarddobbin:rolleyes:

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I did ask this question previously but I couldn't progress with it because the answer didn't help me. The answer was:

 

Yes you can and there is a case for doing so, providing that the sole reason for the loan was for bank charges ie the £2770 was made up solely of bank charges.

 

Mine wasn't so didn't progress it. Can't answer your other questions as a result, but can't see why you can't use the same process as you have done to get your charges back.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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You can claim the proportion of the interest on the loan that related to bank charges - ie if loan is £10k and £5k of that is charges then you can claim bacl 50% of the interest charged. I have a claim in for just this with Nat West and they have applied to strike out that part of my claim. I am in court on 22/02 with this.

 

Story here - http://www.consumeractiongroup.co.uk/forum/natwest-bank/11431-nat-west-3-claims-11.html

Consumer Health Forums - where you can discuss any health or relationship matters.

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gizmo111

 

Thank-you for your help and everyone else who replied. I will be watching your case and hope you are successful. Good luck.

 

They only gave me this loan to pay off the charges because i was refused a loan every time in the past. Thats why also the loan is from another section of there bank where the loan is at a very high APR.

After they took the charges from my current account they then closed that account, took my cheque book and debit card back and left me only the use of the Royalties Gold account. They left me with only a basic bank card which could only be used to take money out of the hole in the wall.

I have e-mailed Tommy Mclean and written to him to give him the chance to return my interest along with £38.00 which they have just charged me over Xmas because of this unwanted loan.

This is his e-mail address in case you need it [email protected]

Another e-mail address i have if you need it is [email protected]

I got these e-mail addressess from this site.

Once again good luck with your claim and i watch with great interest.

If you would like to update me personally by e-mail i would be most grateful. My e-mail address is [email protected]

 

Cheers gerarddobbin

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