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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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    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi - I have just received the 6 years bank statements after sending a S.A.R - (Subject Access Request) - but they have sent from March 2000 to Dec 2006 and I also requested stats for the loan account as well - which I haven't received. I read a thread on here where someone is going to apply for all their statements after receiving the 6 years worth of bank stats.

 

A few questions as I am new to this: -

 

Do I have to send another £10 to get the post 6 year statements?

 

Can I claim for any default charges/interest charges as well as returned item charges?

 

Can I try and get default charges back from B & B since 1998 (on a mortgage account)? - account is now closed.

 

Thanks in advance

 

Foxy

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Do I have to send another £10 to get the post 6 year statements?

 

No, give them a call and tell them that they have'nt complied with your request in full.

 

You can claim your overlimit fees, late payment fees etc with interest they have charged you. Is this a credit card?..

 

You can claim back the charges on a Mortgage account even though the account is closed.

Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thanks ukaviator

 

It is a bank account not a credit card. I sent the template for the SAR and I think it may have only requested the last 6 years worth of statements.

 

So what do I do now?

 

:confused:

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Guest ChloeJane

Hi there,

 

If you only requested 6 years of statements, then they are only required to give you 6 years.

 

If you did not state a date limit, then to gain back over 6 years, would be another request, as they have already complied with the first.

 

A link to the data protection act is here

 

Data Protection Act 1998

 

It is worth reading it as it does say requests have to be in a reasonable time frame, and I don't think it unreasonable to request again, with a fresh letter for post 6 years.

 

It would really help to know which bank and which mortgage company as you can then be directed to the area of the site to post a new thread of your information for further help and puts you in touch with others of the same institution for handy tips and advice.

 

Its easy - click the link below and scroll down till you find your bank -

 

http://www.consumeractiongroup.co.uk/forum/

 

At the bottom of the page - button - new thread -

 

All the best with your claim

 

CJ

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