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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • 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
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RBOS Will I have to find another account?


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I am new to here! I am reading up on reclaiming my bank charges and am in the process of finding information!

 

Will the RBOS make me close my account? I know I will have in the £1000's of charges as I had a really bad spell a few years back so it should be worth claiming for that but I also have resulted in having a bad credit rating so won't be able to open a decent account if they make me close my royalties gold account.

 

PLEASE HELP!:o :confused:

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Royalties gold - dear me, money for nothing. It's unlikely that RBofS will close your account as they make money out of it - so closing your account would be cutting their nose off to spite their face. There was a spate of banks closing accounts but that seems to have stopped.

However I would, just in case, open a parachute account. If your credit rating is bad you may still be able to get a decent current account (with no fees, unlike Royalties). I would only try and open a new current account once as if your dclined it affects your credit rating. If you are declined, opening a basic bank account is an option. The best one would appear to be Bank of Scotland as you get a debit card with it (most basic bank accounts you only get a cashline card). You can still set up DD's and SO's with a basic account but will not be allowed an overdraft facility and will not receive a cheque book.

I would consider moving from a Royalties Gold account anyway if you can even if they don't close your account.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I agree! Having been RBS royalties gold account holder for 10 years (no longer!) I have to question why I paid this fee (£12/month) for so long. I never used any of the benefits and often found when I tried to claim discounts on holidays, it would work out more expensive!!

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Was seriously considering moving from a Royalties account anyway so no loss there! Will check out the bank of scotland.

 

As like many others I very rarely use the so called benefites!

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Forgot to say that there are no credit checks for a basic account - so all you have to do is prove i.d.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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We claimed off RBOS and they didn't close our account, but they did take our switch cards off us. We opened a second account with NATWEST- a step account gives us a debit card and online banking, but no cheque book. We left hubbies wage going in RBOS with all the direct debits for bills on, and mine into the step account as cash to use for food petrol etc. So far has worked well for us and I'd rather not have a cheque book as too tempting to write them "just before" payday and get ahead of yourself.

Go get your cash :)

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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Going to try for the Bank of Scotland Account first I think then will find a good draft letter to send re charges.

So let me get this straight! In Scotland can you claim for the full 6 years? AND My charges will surely be over the £1500 mark does this mean I wont get over that?

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In Scotland you can only claim back 5 years (there is a way of potentially claiming back more but this is yet to be proven). As your charges will be over 8 weeks you will have to go through the FOS. This means that you need to wait 8 weeks after your initial complaint before getting them involved. The FOS allow 8 weeks for the bank to resolve a complaint. I would therefore initially send the bank a general complaint about the charges they have levied on your account, rather than wait until you have received the results of your SAR. This sets the ball rolling in terms of you having made a complaint. You can then firm up the complaint at a later stage when you have received the results of the SAR.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Sorry that first bit should read as your charges will be over £1500

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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