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littleladyellz

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Posts posted by littleladyellz

  1. Thanks Lamma.

    The post office have said they are happy to support my appeal and will put a letter together.

    I've seen threads about the flower seller case is that similar, it seems in a lot of similar cases to mine they found in the publics favour rather than the councils.

    Do you think they are just trying to scare me into settling £70?

    Should I get the letter from the postoffice and write back rather than email?

    Thanks for your help Lamma

  2. Hiya Guys

    I've not come on here for a bit but I really need some help re a parking fine.

    I got a parking fine for parking on a single yellow. My friend who is always on the moneysavingexpert forums told me to dispute and told me what to dispute under because on the website for Martin Lewis it mentioned how to get out of them.

    Well I tried and they declined so I challenged again and thought I cant be bothered anymore so I will pay £35 well I went to pay and it said £70 so I emailed them. They are now saying tough we can make you pay £70.00.

    I will copy the email correspondence so that you can see what has happened so far and who said what and tell me whether I've messed up and have to cough up £70 or whether I should continue to fight.

    Thanks

     

    Dear Mrs Ryder-Ellis

     

    Thank you for your email.

     

    We issued a PCN on 10 June 2010 and received a challenge from you 11 June 2010.

    We responded enforcing the the PCN on 15 June 2010 and gave another 14 days to pay at the discounted amount. This increased to the full amount of £70 on 29 June 2010 .

     

    As we clearly stated in response to your second email we are not obliged to consider a second challenge until a Notice to Owner has been issued and a Formal Representation can then be made and will again be considered. We therefore returned your second correspondance confirming the enforcement and advising you that you could make e Formal Representation once you had received the Notice to Owner. We requested that we may reconsider if you could provide a receipt for the parcels you had taken to the Post Office within 14 days. We did not state that we were giving you a further 14 days to pay at the discounted amount.

     

    You may now pay £70 or wait for the Notice to Owner to be issued when you can then make a Formal Representation.

     

    Yours Sincerely

     

    LD

     

    Parking Services

    Dear Ms Ryder-Ellis

     

    Penalty Charge Notice CX38044272

    Served on 10 June 2010

    Vehicle Registration KF07YZP

    Location Crown Street, Elland

     

    Thank you for your recent mail regarding the above Penalty Charge Notice (PCN).

     

    The Council has already considered your challenge and it has been rejected. Under current legislation, the Council is not obliged to consider any further representations until the registered owner of the vehicle has been issued with a Notice to Owner.

     

    The TRO states that loading must consist of heavy or bulky items and the act of loading suggests that it would be continuous. You may supply evidence from the Post Office as you have suggested within 14 days from the date of this letter and we may reconsider our decision, or as explained in our previous letter, the Notice to Owner will advise of the process and grounds on which formal representations can be made. You may wish to resubmit the correspondence with your formal representation to the Notice to Owner if you wish. The Council is obliged to consider representations to the Notice to Owner even if your challenge has been rejected.

     

    Further information about Civil Parking Enforcement (including PCNs and NTOs) is available online at http://www.patrol-uk.info.

     

    Yours sincerely

     

    DB

     

    Parking Services

     

     

    Our Ref : CX38044272

    Your Ref :

    Please Contact : Parking Services/JD

    Telephone : 01422 392125

    Fax : 01422 392191

    Email : [email protected]

     

    Date : 15 June 2010

     

     

     

     

    Dear Ms Ryder-Ellis

     

    Penalty Charge Notice CX38044272

    Served on 10 June 2010

    Vehicle Registration KF07YZP

    Location Crown Street, Elland

     

    Thank you for your recent letter regarding the above Penalty Charge Notice (PCN).

     

    Under the Traffic Management Act 2004, your letter has been treated as a challenge against this Penalty Charge Notice and careful consideration has been given to your letter, including all the circumstances relating to the issue of this Charge.

     

    The Penalty Charge was issued for parking on a single yellow line in contravention of the restrictions that are in force as indicated by the time plates in the area in which you parked. The Civil Enforcement Officer observed your vehicle from 12:35 to 12:40 to see if there was any loading taking place. There was no activity during this time and it was for this reason the Charge was issued. You state in your email that you did not see a sign, however the photographs taken at the time the Civil Enforcement Officer issued the Charge clearly show that there was a sign just next to your vehicle which stated 'No waiting 8am-6pm'. It is your respo0nsibility to ensure you have checked all road markings and signs before you park and leave your vehicle. Loading and unloading is permitted on double and single yellow lines, however this must be seen to be a continuous activity and must be of heavy or bulky items. Loading or unloading does not include taking things into the Post Office and then queuing at the counter to send them. You would have to load your goods into the premises, move your car to a suitable location and then return to process the paperwork/payments etc. Your reasons for not complying with the regulations in force are insufficient to merit the cancellation of this Charge.

     

    We are satisfied that this Charge was issued correctly and your challenge is rejected for the reasons outlined above.

     

    You may now pay the discounted amount of £35.00 within 14 days from the date of this letter, after which the PCN reverts to the full charge of £70.00. If payment is not received, a Notice to Owner (NTO) will be sent to the owner of the vehicle requiring payment of the penalty charge. The person on whom an NTO is served can then make representations to the Council against the PCN and may appeal to an independent adjudicator if those representations are rejected. The Council is obliged to consider representations to the Notice to Owner, even if your challenge has been rejected, however the discounted amount will not be applicable once a Notice to Owner has been issued.

     

    Further information about Civil Parking Enforcement (including PCNs and NTOs) is available online at http://www.patrol-uk.info.

     

    Yours sincerely

     

     

     

    Our Ref : CX38044272

    Your Ref :

    Please Contact : Parking Services/JD

    Telephone : 01422 392125

    Fax : 01422 392191

    Email : [email protected]

     

    Date : 15 June 2010

     

     

     

     

    Dear Ms Ryder-Ellis

     

    Penalty Charge Notice CX38044272

    Served on 10 June 2010

    Vehicle Registration KF07YZP

    Location Crown Street, Elland

     

    Thank you for your recent letter regarding the above Penalty Charge Notice (PCN).

     

    Under the Traffic Management Act 2004, your letter has been treated as a challenge against this Penalty Charge Notice and careful consideration has been given to your letter, including all the circumstances relating to the issue of this Charge.

     

    The Penalty Charge was issued for parking on a single yellow line in contravention of the restrictions that are in force as indicated by the time plates in the area in which you parked. The Civil Enforcement Officer observed your vehicle from 12:35 to 12:40 to see if there was any loading taking place. There was no activity during this time and it was for this reason the Charge was issued. You state in your email that you did not see a sign, however the photographs taken at the time the Civil Enforcement Officer issued the Charge clearly show that there was a sign just next to your vehicle which stated 'No waiting 8am-6pm'. It is your respo0nsibility to ensure you have checked all road markings and signs before you park and leave your vehicle. Loading and unloading is permitted on double and single yellow lines, however this must be seen to be a continuous activity and must be of heavy or bulky items. Loading or unloading does not include taking things into the Post Office and then queuing at the counter to send them. You would have to load your goods into the premises, move your car to a suitable location and then return to process the paperwork/payments etc. Your reasons for not complying with the regulations in force are insufficient to merit the cancellation of this Charge.

     

    We are satisfied that this Charge was issued correctly and your challenge is rejected for the reasons outlined above.

     

    You may now pay the discounted amount of £35.00 within 14 days from the date of this letter, after which the PCN reverts to the full charge of £70.00. If payment is not received, a Notice to Owner (NTO) will be sent to the owner of the vehicle requiring payment of the penalty charge. The person on whom an NTO is served can then make representations to the Council against the PCN and may appeal to an independent adjudicator if those representations are rejected. The Council is obliged to consider representations to the Notice to Owner, even if your challenge has been rejected, however the discounted amount will not be applicable once a Notice to Owner has been issued.

     

    Further information about Civil Parking Enforcement (including PCNs and NTOs) is available online at http://www.patrol-uk.info.

     

    Yours sincerely

     

     

    J Dixon

    Parking Services

     

    MY EMAILS

     

    Good Evening

     

    I am writing to you concerning PCN CX38044272.

     

    I was served a ticket today for parking on a single white line, I incorrectly assumed this was fine as people are always parked there and the car park opposite was full. I couldn't see any signs to say it was residents only or that parking was not allowed so proceeded to unload my car and deliver my parcels to the post office.

     

    I use Elland post office daily on a lunch time so send around £25.00 of post daily. This being my stock from my online business. My custom is appreciated and I like to use the facilities in Elland so they don't go out of business.

     

    I was shocked to return to my car within 15 minutes and find a parking ticket.

     

    I have never in my life had a parking ticket and I always make sure I park someone away from entrances and not on busy roads so I assumed I was helping Elland by parking on a small quiet side road instead of the main road opposite the post office.

     

    I would like to appeal on the grounds that I was unloading my car and taking the parcels to the post office and returned within 15 minutes (I have spoken to the post office and they are happy to confirm I go their daily to post 10+ parcels a day and that I am never there more than 10-15 minutes), they do not want to lose my business. I have also got no previous offences for parking or speeding or any other criminal acts. The signs to say you cannot park are not displayed clearly and I was carrying out business at the time.

     

    I hope I can appeal to your kind nature to remove the fine on this occassion.

     

    This is as I'm sure you can appreciate a rather difficult time for businesses and we should work together to support each other and the local community rather than hinder them.

     

    Kind Regards

     

    Zoe Ryder-Ellis

     

    From: Zoe Ellis

    To: "[email protected]"

    Sent: Tue, 15 June, 2010 17:54:14

    Subject: Re: cx38044272

     

    Good Evening

     

    Thank you for your response, the contents which I note.

     

    You may wish to use spell checker before sending future emails as the email you have sent is very unprofessional.

     

    Please confirm where you are getting the law that you have to be continuously loading or unloading your vehicle. Please also confirm as to how you know the size of the packages I was unloading?

     

    You cannot leave packages unattended which I am sure the police will support me in saying this, unattended packages can be deemed a bomb scare!

     

    I was unloading my vehicle and did so and returned within 20 minutes. I was not posting letters as you suggest by the tone of your email. I was unloaded large boxes and heavy items by myself, how you expect me to take these out of my car and leave them unattended whilst driving away and then walking back to collect them is ridiculous.

     

    If you can prove by law that you are correct and can provide a definition to support your claims in a court of law I will gladly consider paying the fine and accepting your decision, however at this point in time I wish for the case to be reviewed.

     

    If you wish to receive confirmation from the post office about the items I take into them then I will gladly have this done.

     

    P.S I don't wait in line to be seen at the counter. I go daily at a specific time and am seen straight away due to the size of the items I have and the frequency in which I visit the Elland post office.

     

    Please review and then send me a further response. If a sensible outcome is not reached I am happy to go to court regarding the matter.

     

    Please also forward the photos to me.

     

    Kind Regards

     

    P.S Pity your traffic officer was not around today as numerous cars in the same place I was and even some on double yellows and they had no tickets, don't worry I warned one or two of them about my fine and they quickly moved the cars. See I'm even doing your parking officers job for them free of charge!!

  3. Hiya

    I hope this is the best place for this thread but I could not see any other relevant parts.

    I wondered if anyone has come across this or can give me any advice.

    The drama all started on Friday when I got home to find a card from a collections man from Leeds City Council asking my husband to contact him.

    The council tax for this house is in my name and all the payments are uptodate and never had an issue so I was confussed why he had come knocking especially when we have had no letters.

    My husband today rang them to be told that they want over £1000 in council tax.

    He used to live in a shared house with 2 other people.

    The council tax was in the name of all 3 tenents.

    The landlord of the house has now sold it and the debt has come to light.

    The council say they cannot trace the two previous tennents so they are holding my husband liable for 100%.

    They supposedly cant get in touch with the landlord either.

    The council tax was paid to the landlord.

    My husband left that address in Dec 2003 and we knew nothing about it until now.

    They are now demanding a minimum of £50.00 a month until it is paid off.

    Our baby is due at the start of January and I will be on stat maternity pay after 6 weeks so this is not what we need at the moment.

    My first words when he told me is that surely this is illegal. If the council tax was in 3 people's name why is he liable for all of it.

    How can they come knocking on our door after this many years saying because they cant trace the old 2 tennents or landlord he is liable for everything.

    Please can someone help

  4. Me i never want credit ever again.

    Im going to go bankrupt ive decided.

    IVA is rubbish they just cease everything.

    I have been told my house should be safe as its classed as negative equity and a friend can buy their interest for a £1 plus my morgage is £350 which is cheaper than rent.

    Will probably lose the car as its on finance however if it is ceased i will get given a few hundred to get a run around.

    I feel better now i know which way to go.

    Once its done im debt free and can start again.

    Debt advice line are brilliant and coped with my tears and helped me see the light again.

     

    Good Luck guys x

  5. Hi Guys ive just caught up on it all. PLEASE put in you letter that you are not in regular contact with the family member involved this will sway the decline heavily. We previously paid a claim on the basis that the customer did not live near their relative and wasnt in regular contact so there was no reason that they would disclose their medical history to a member of the family they are not necessarly close to.

    The medical certificates are classed as necessary paperwork to assess a claim and the fee the Drs charge range from £10 to £70 in some cases. The fee charged is purly an admin fee which is why the insurance wont pay it. It is not part of the cost of the holidays its encouraging Drs to make more money than they already have.

    Yes they have 8 weeks to answer your complaint but you will likely receive in 4 weeks as a rule of thumb.

    Any questions give me a shout.

    Good Look x

  6. Subbing as we need to claim from dog insurance as our XGSD has just had a tumor removed which turns out to be malignant. Confused as we were originally told that the insurance would cover us at once, then the vet said we had to pay then claim it back. I am not expecting this to be as easy as it sounds.....

     

    Gold Lady please be extremely careful - they have strange ways of dealing with lump claims. There are hundreds of different types however they class a lump as a lump often which is not correct. Depending on the policy you have they may exclude cover for any futher lumps at renewal. Depending on the lump type depends how much treatment will be involved and the likelyhood of reoccurance. Do you know the name the vet gave you and i might be able to let you know.

     

    Tesco for example on the standard 12 month policy deal with lump claims by type. The main claims are for lipomas which are harmless fatty lumps - some breeds are prone and overweight dogs especially so they say they cover all lipomas for 12 months max regardless of time gaps and location. The same with fibrosarcomas which are the more invasive cancer then any treatment relating to that would be linked.

     

    Pet is quite complex and they have ways of linking conditions that shouldnt be linked.

     

    Hope all the dogs are ok x

    • Haha 1
  7. If you pay a claim or compensation to avoid a case going to the FOS, is it considered an ex-gratia (out of grace) payment?

     

    According to the policy wording which Helford posted, it seems that claims for unattended property are accepted, just as long as the goods are kept in the boot out of sight, and it happened between 9am and 9pm.

    So surely it depends on when the break-in happened? Or have I misunderstood the wording?

     

     

    Lemon Twist your correct the time does matter and they will use the police report to determine it - or they should depends if they have the brains to check the documents.

     

    Its only ex gratia if they pay out something that is specially covered. If its a grey area then it would be paid normally and not as ex gratia. Normally ex gratia is where someone has guarnteed cover and costs have resulted from that so the customer has incurred costs from incorrect advice.

     

    Always follow the complaints procedure - the amount of declines i over turn is staggering. The claims handlers dont always have the understanding of the wording and kick claims out without full facts and evidence. Plus the complaints team have more flexibility - they should be viewed as help not ememies as often we fight to get the claims paid :)

  8. I spoke to one of my contacts at Natwest Pudsey in Leeds today and told him the situation basically said sort it or i will go bankrupt and you get nothing. He has told me to come see him next week and he will see if he can put a payment plan in place. So i guess its reduce payments and freeze interest? I will let you know. They still havnt replied to the email i sent a few days ago suprise suprise

  9. It is still a major factor Gyzmo your right.

    In the current climate the insurance companies are tighening their belts and if we may not win the case we often pay out even if technically it shouldnt be covered. There is no point us spending time defending the complaint for it to go to FOS as then we pay a case fee plus if we lose we have to pay interest on top of the settlement figure so in some cases we end up paying double than had we backed down and paid the claim.

  10. Globel Excel are not highly thought of - we do not use them but i have come across cases which i have reviewed for other claims agents and they are not the best.

    Sali you have been treated unfairling. AA need to pay the case fee. All assistance companies charge case fees to the insurer for when they assist a client. This fee is for the insurance company to pay not you. The fees vary from £75 to £275.

    Unfortunatly most travel policies will have clauses regarding non travelling relatives. Depending on the policy and the destination depends on what you need to declare.

    Travel insurance is complicated and a minefield if you dont work with it.

    If either of you need a hand give me a shout x

  11. I deal with travel claims but their wording is quite strange to what ours is.

    You could ask for FRL (Final Response Letter) so you can refer to FOS.

    I wrote one today on a complaint i was assigned for the same thing and they are taking it to FOS.

    If they are on dodgy ground with their wording or have lost prev cases they wont uphold the decline.

    Every time a customer goes to FOS it costs the insurer regardless of whether they win or lose so from the insurance point of view we dont like to uphold declines on cases which we may not win. It is not worth it. Sometimes if it is something new and out of the blue we will let one get to FOS as a test case.

    I know that this seems quite negative but i would rather be honest with you as this has been my job for 6 years and i would daily with the FOS.

    Good Luck x

  12. Hiya just to let you know that any docs you send to E & L will need to go recorded delivery dated and also keep copies.

    They will try delay tatics as they send holding letters twice and then whats known as an 8 week letter, each time trying to delay it getting to fos.

    E & L decline most skin claims as they are very high cost so try it on every skin claim unfortunatly.

    When i worked at the vets we sent them a claim and it took 4 months for them to pay in which time they had 2 fires and lost the paper work numerous times supposedly.

    I have 6 years insurance experiance and 5 years veterinary experiance and i deal with fos often. If you need any help give me a shout anything to win a case against the baddies ;)

  13. The BR thing is intersting. My house is classed as negative equity and i only pay £350 a month for my morgage. My car is an 07 astra at £160 a month and required for work.

    It would cost more in rent than my morgage. I have never had any problems with my morgage which is with Halifax and they are lovely.

    I sent Natwest an email but they havnt responded.

    How do i go about putting on an offer of a decreased settlement?

    I have just spent 20 minutes on the phone to Natitional Debt advice line and no luck getting through. Im going to try after work. I dont want to ring at lunch as i will rack up a high mobile bill.

    Is it true that BR is better than IVA?

  14. Hi Silver Fox

    Thanks for your comments.

    I put them in on Google and its all pure hatred towards them.

    I just dont get why Vodaphone never chased me for the money and then suddenly years down the line they sell the debt on.

    I take it they just sell a load of bulk small dead debts and then Red try to get as much back as possible?

  15. Hiya thanks for the reply.

    I tried to get hold of CAB but found it difficult i will try the National Debtline. Can they negotiate with Natwest like i have heard the CAB do?

    Is it worth getting an account with a different bank. I have everything with Natwest but my morgage.

    There is no PPI.

    I did a claim in 2008 for bank charges but to be fair until the last year or so i was in control of my finances but following a wedding which grew massively its got out of hand.

    I dont think i will go down the iva route as any of my bonus' and pay rises will disappear into the iva.

    I cant do bankrupcy as i will lose the house and car.

    Aghhhh i hate debt but im happy i found this site

  16. Hiya i was considering an IVA but i was warned off it as my wage is variable depending on over time and bonus etc. Its performance based and i was told any bonuses and overtime are ceased by the iva. Plus its a 5yr agreement so any promotions and wage rises also get taken by the iva. I have thought hard about it and have decided i have a good future and should be getting good pay rises and promotions in the 5yr period so i would lose thousands and thousands using an iva. I think im going to speak to the Debt advice people as Natwest are really not attempting to help me.

    I hope you can sort something out and your parents sound really nice. I havnt had the guts to tell my mum the mess im in as she put a large deposit on my house as part of my inheritance following my dads death. Kinda feel like ive let my family down by getting into such a mess

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