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    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
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RBS can't provide copy of default notice!


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Hi all,

 

This is my first post so I hope I've placed it in the correct group on here. I'd truly appreciate any help you guys can give me as I'm in a very unfortunate position.

 

I was recently offered a position with a great employer and had to go through the expected pre-screening checks. These checks however threw up a default on my credit file that I was not aware of. It was applied in Feb 2009.

 

The default has been applied in relation to an RBS overdraft facility that went over it's limit (£2000 overdraft, exceeded by £200). I'm obviously keen to get this removed as my prospective employer has said I cannot start work with them unless I have a clean credit file. They've been patient whilst I've investigated the matter, but I've reached a dead-end with the RBS complaints procedure. I offered to repay the entire balance but they insisted the default should remain.

 

Basically I've asked them to provide a true copy of the original default notice. They have responded saying this is not possible. Here's the exact paragraph:

 

"It is not possible to duplicate an original Default Notice. The Default Notice is a system generated document produced automatically and although regrettably the bank cannot provide such a copy, a transcript of the content and wording has been included with this letter.

 

The default has been recorded on the Bank's internal systems and is adequate confirmation that the notice was issued."

 

Having scoured the posts on these forums I've been given the impression that banks must supply a true copy of the original default notice when it comes to loans and credit cards, but does this apply to overdrafts too?

 

I can't tell you how appreciative I'll be for any help on this matter. I've pretty much landed my dream job and this could ruin it.

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Hi Smalldog and welcome to the CAG.

Overdrafts dont incure a Default Notice its a Notice served under sections 76(1) and 98 (1) of the CCA 1974. A Enforcement/Termination notice and recall.

 

Regards

 

Andy

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Hi Andy,

 

Thanks for your reply. That's very odd as RBS are referring to it as a default notice repeatedly through their communication. Plus I was under the impression that if I've got a Default on my credit file that it could only have been applied with a Default Notice.

 

Am I in a position to request the Notice you refer to?

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No they can apply a default on your file also on issue of the above.By all means request the above they do retain copies of both I assure you.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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