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    • 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  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Claiming Charges When Account Defaulted?


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Hi All,

 

I have recently been offerred a full refund from Lloyds TSB relating to charges to my account between July 2004 and March 2007; £619 !!

 

I want to tackle my Royal Bank of Scotland which I had between 2000 and 2004, I think they have charged my at least £800 over that period.

I am slightly worried about claiming as my account wasnt in good order throughout this time, and on various occassions well over the overdraft limit until I finally defaulted and my account was closed.

 

Can anyone let me know if I will be unable to claim when my account was regularly close to or over the agreed overdraft limit and when the bank eventually defaulted me and closed the account.

 

Any advice gratefully received as I do want to claim the money back if I can.

 

Thanks

 

Harry.

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Hi All,

 

I have recently been offerred a full refund from Lloyds TSB relating to charges to my account between July 2004 and March 2007; £619 !!

 

I want to tackle my Royal Bank of Scotland which I had between 2000 and 2004, I think they have charged my at least £800 over that period.

I am slightly worried about claiming as my account wasnt in good order throughout this time, and on various occassions well over the overdraft limit until I finally defaulted and my account was closed.

 

Can anyone let me know if I will be unable to claim when my account was regularly close to or over the agreed overdraft limit and when the bank eventually defaulted me and closed the account.

 

Any advice gratefully received as I do want to claim the money back if I can.

 

Thanks

 

Harry.

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At the end of the day it doesn't matter if your account was occasionally over your limit or always over it.

These charges are still UNLAWFUL and therefore claimable by yourself.

 

As the account in question has been closed there is nothing to loose, so a win/win for you there.

 

For the sake aof a few pounds and some waiting, GO FOR IT !

Be VERY careful whose advice you listen too

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Thanks Curlyben, my claim with Lloyds was easy in that I have online banking so could use that to get my statements from 2004 onwards, and I have always been within overdraft (as I dont have one!!) and generally in good order with my account, where as RBoS started out good (opened in 1990 as a student) and then went wrong from around 2000 onwards.

Can I ask for statements back to 2000 ? my understanding was 6 yrs only.

 

Is there a term of words I should use when requesting statements and asking for charges to be repaid when the account was overdrawn and defaulted.

Any help gratefully received.

 

Harry

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Part of the S.A.R - (Subject Access Request) request is getting ALL of your data from the banks.

I approached LTSB for mine and, after a bit of a fight, got statements back to 1997.

Now that's a nice little claim going in the post today.

 

Ignore the fact the account was defaulted, but you can use this as a condition of NO legal action. ;)

Be VERY careful whose advice you listen too

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Thanks for the useful advice Curlyben, but what do you mean by:

 

"but you can use this as a condition of NO legal action" ?

 

Will let you / everyone know how I get on.

 

Cheers

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Ooops so wish I could type.

What I ment to say is that you can ask for the default removal as part of your request.

 

Always worth a try, but to be honest they'll probably ignore it.

Be VERY careful whose advice you listen too

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Yep.

SAR is a legal request and cannot be ignored.

Don't be so sure about them not taking it to the wire.

True they are unlikely to go to trail, but they can take it as far as that.

 

I'm currently dealing with an old Cap1 account that has been closed and passed around DCA's for a while.

My prelim is already in, just waiting for the stock" we aren't gonna pay you" letter then the fun really starts.

 

6+ years with CCI, now that should be fun for starters.

Be VERY careful whose advice you listen too

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I would advise SG that you have a look at the guide in the FAQ section as this has information on requesting removal of a default.

 

If may also answer some of your questions in relation to how the process works

 

;)

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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  • 1 year later...

Hi friends,

 

A few years ago I was a very stupid man (something i pay for on a daily basis) and stuck my head in the sand rather than face up to my debts.

 

I defaulted on a loan and current account overdraft with RBS. They subsequently formally defaulted my acount and I now pay £65 a month to their central Customer Credit Services Dept to repay the debt.

I have been doing this for well over 2 years, and wondered if it was worth doing 2 things:

 

Firstly, asking RBS to remove the default notice on my account.

Reason being that i have been faithfully repaying money to them over the last 2.5 years, additionally that the default is affecting my ability to re-mortgate my property and gain a better financial deal in the present climate of the credit crunch.

 

Secondly, asking RBS for details of the charges made to my account during the period 2002 to 2004 (the account was closed in 2004 and I am aware that you can only claim back 6 years). The charges will be significant i am sure and in a time of financial hardship for myself in 2002, 2003 and 2004 this affected my ability to administer my account within the terms of the agreement - hence i was defaulted.

 

What do you think is the chance of success in either ? if this is in the wrong section please let me know.

 

I am now facing up to my responsibilities and repaying debts where i can, i just think that the removal of the default would make things easier in the long term. I no longer hold any credit cards and will no longer get myself into debt (having learnt my lesson). I use a debt card now linked to by current account with another high street lender.

 

thanks for your help.

 

cheers

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just giving your thread a little nudge to bring it to the attention of others who might be able to help you. I am not sure if this should be here or in the General Debt forum. Perhaps a mod/site helper will look in and advise you better. :)

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