Jump to content

WendyN

Registered Users

Change your profile picture
  • Posts

    106
  • Joined

  • Last visited

Reputation

1 Neutral

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Hi both, LFI: Thank you again - your advice has been brilliant I just meant that the law in this area is not at all what I thought it was, so it has been a steep learning curve for me! So to summarise: Highview would need to pursue the keeper as they do not know who the driver was. They cannot now pursue the keeper as the PCN does not mention the relevant part of the Protection of Freedoms Act 2012. The fact that they have sent out a PCN to the keeper without the relevant part of the Protection of Freedoms Act 2012 explaining why could constitute a breach of GDPR (Do I have that right?) They cannot send out a new PCN with the relevant part in it as they are now out of time. In the car park itself, there are no signs relating to InPost users, despite the fact that there is an InPost machine there - so there's no way to form a contract with any InPost user? I've managed to find out a bit more information about the arrangements that InPost seem to have with their machines - it seems to be some kind of licence arrangement and InPost do most of the work. So I could contact InPost customer support, explain the situation very carefully and see how I get on?
  2. Hi all, and thanks *so* much for the help. Honeybee13: Thanks for this really good advice! FTMDave: Highview Parking just say "the vehicle contravened the terms and conditions on the signage", but don't say how it was contravened, or what was said on the signage. It's not a pay car park, as there are no pay machines that I could see, and no list of parking charges. brassnecked: I don't know if the InPost or Amazon machines are run by the bingo club, presumably they have some kind of agreement as they are on that site? I'm not sure how to find out. The point you make about opening hours is a good one - I don't remember it being open when I went, but the opening times on their website say that it would have been open at the time. I really don't know what InPost or Amazon customers are supposed to do outside those opening hours. Lookforinfo: OK. This was hard to hear, but thanks very much for this information. I now think I have been very naïve about this - I have been assuming that I would have some rights as an InPost customer using an InPost machine on their premises - turns out I have none. This ten minute grace period - is this widely known? I certainly wasn't aware of it, and it's not on any of the signs on the site itself. There's no specific guidance at all for users of the InPost or Amazon parcel lockers on the site. Had there been anything like that, I would have kept to the ten minutes, or parked in the free car park that's just across the road. But of course - this must be a nice little earner for them! I wonder how many other people have fallen into this trap? I'm sure I'm not the first person. I need to think about tactics really. I have been reading around on this forum and others for some ideas, to try to form a strategy on what to do next. I'm also now very aware of the driver vs keeper thing, which is really useful information... Do I approach the bingo club manager direct to ask / insist that the charge is cancelled? I'm not sure how successful this would be, as I'm not actually a customer of theirs, so they have no reason to care about losing my custom. Also, I don't know what business relationship they have to the InPost / Amazon machines. Similarly, I don't think it would do much good approaching InPost either, as there's no-one actually on site, and their website says I only have ten minutes in the car park, so they would just tell me that (again - there's no information about this on site though, just on the InPost website). Or do I complain, or appeal, or both? Or ignore, as the PCN doesn't mention POFA? Can they then just reissue a PCN, mentioning POFA, and am I then back to square one? Apologies for not knowing much about this, this is all completely new to me...! Thank you again for your help, Wendy
  3. Hi FTMDave & dx100uk, To be clear, I wasn't a Bingo customer, but I was an InPost locker customer. The carpark doesn't say it's for Buzz Bingo customers only – the only signs are the ones I've posted, which say that it's private property, and that parking conditions apply. Also in the same car park, against the wall of the bingo club, is an InPost Locker site (for returning parcels) and an Amazon locker site (for picking them up). These aren't mentioned on the signage at all – but they must have some kind of subcontracting arrangement with InPost & Amazon to have put the lockers there, mustn't they? How can it be that they put them there, but then fine customers for parking in their car park to use them? This is the complication really – I could speak to Buzz Bingo directly, but I'm not sure of my ground on all this just yet... The car park is listed on the InPost website: Buzz Bingo, 100 Beaumont Way, LE4 1DS. Thanks very much!
  4. Hi all, I have received a parking charge notice from Highview parking; details supplied in form below. I used the Buzz Bingo Leicester car park on 17/11/21 to use the InPost locker on those premises to return a parcel - so I was a legitimate customer who was entitled to be there. It took slightly longer than I intended, as I couldn't get the locker to work, and needed to check the information I had been given with my partner, who had asked me to return the parcel. As soon as I was able to get in touch with him to check I had the relevant information, I dropped off the parcel and left the premises. Highview Parking have told me that a) I have broken their terms and conditions, and b) this is because I have overstayed (at 38 mins). However, nowhere on their car park signs does it mention anything about any kind of time limit (signs pdf attached below). I have 1. Confirmation from the InPost machine itself of the parcel number and drop off; 2. Receipt from InPost confirming the drop off; and 3. Confirmation that the parcel was returned. On looking today on the InPost website, it emerges that there's a time limit of ten minutes for using this car park, but I had no idea about this, and this information is not given anywhere in the car park as far as I can tell (I visited again today, as a pedestrian this time!) In summary, I was legitimately on site to use the InPost locker there, was not in breach of any of the terms and conditions on display in the car park, as far as I could reasonably tell, and left as soon as my business there was complete. So I was shocked to receive a £100 bill in the post! I would really like to appeal this, and need to do it quickly, so I would really appreciate any help or advice you can give. Best wishes, Wendy For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident) Please answer the following questions. 1 Date of the infringement 17/11/21 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 24/11/21 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post 3 Date received 09/12/21 (I have been away, so only just got it yesterday) 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] Not yet, but plan to ASAP Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? Highview Parking 8. Where exactly [carpark name and town] Buzz Bingo carpark, Leicester For either option, does it say which appeals body they operate under. Member of BPA, British Parking Association PCN.pdf Signs.pdf
  5. That's brilliant. That's what I had done, but I just wanted to check! Again, thank you SO much for all your help with this. I will keep you posted on how I get on, and of course make a donation to this fantastic forum. Best wishes, W
  6. Hiya, would really appreciate your help with just finishing off the calculations - am I right in thinking that I add a final figure to the spreadsheet, which is in effect the total excess PPI charged for all loans, minus any payments made to this, as above? Thanks very much... W
  7. OK - I think all of my calculations should be sound now. Thank you very much for all your help! I now have a very long spreadsheet (!) with: Loan 1: x9 PPI payments for loan 1 Loan 2: x0 PPI payments for loan 1, x0 PPI payments for loan 2 Loan 3: x11 PPI payments for loan 3, x11 PPI payments for loan 1&2 Loan 4: x21 PPI payments for loan 4, x21 PPI payments for loan 1-3 Loan 4: x2 PPI payments for loan 5, x2 PPI payments for loan 1-4 Just one quick question to finish off - how do I finish off? £ 2,208.40 (early repayment refund expected ) - £ 1,978.23 (early repayment refund received) = £230.17 The PPI left over from loans 1-5 = (loans 1-4 £1079.14 – £292.32 (2 payments of £22.62)) + £230.17 (remainder of loan 5) = £1264.07 Therefore PPI excess from all loans together = £1,264.07, with a date of when the last loan was completed (repaid early)?
  8. Loan 5: Early repayment refund expected £ 2,208.40 Early repayment refund received £ 1,978.23 PPI claimed £148.35 Interest claimed £105.47 Excess PPI from loan £230.17 Plus excess PPI from last loan £1,264.07
  9. Loan 4: Early repayment refund expected £1,672.07 Early repayment refund received £964.39 PPI claimed £1,343.05 Interest claimed £1,066.31 Excess PPI from loan £707.68 Plus excess PPI from last loan £1,079.14
  10. And I also think... My fifth loan was for £10000 plus the PPI of £2268.27 making a total loan of £12268.27. The PPI part of loan 5 is 18.49% of the total (given by the formula 2268.27 / 12268.27 x 100). The PPI left over from loans 1-4 = (loans 1-3 £663.78 – £292.32 (21 payments of £13.92)) + £707.68 (remainder of loan 4) = £1079.14 The PPI part of loans 1-4 is 8.79% of the total (given by the formula 1079.14 / 12268.27 x 100). 18.49% of every repayment I made was for the PPI part of loan 5. 18.49% of a repayment of £257.35 = £47.58 8.79% of every repayment I made was for the PPI part of loans 1-4. 8.79% of a repayment of £257.35 = £22.62 Wow, this is complicated...!
  11. Loan 5: 01-May-2005 - 01-Jun-2005 Amount of loan £10,000.00 Amount of PPI £ 2,268.27 Interest on loan (charge for credit) £ 2,594.50 Interest on PPI (charge for credit) £ 586.36 APR 9.9% Months 60 Monthly payment [email protected] £47.40, [email protected] £47.44 Payments made 2 of 60 Dates 01-May-2005 - 01-Jun-2005 Unknown - Early repayment refund expected £ 2,711.51 Early repayment refund received £ 1,978.23 PPI claimed £155.60 Interest claimed £117.17
  12. Right, so I think: My fourth loan was for £10500 plus the PPI of £2381.68 making a total loan of £12881.68. The PPI part of loan 4 is 18.49% of the total (given by the formula 2381.68 / 12881.68 x 100). The PPI left over from loans 1-3 = (loans 1&2 £295.55 – £68.20 (11 payments of £6.20)) + £436.43 (remainder of loan 3) = £663.78 The PPI part of loans 1-3 is 5.15% of the total (given by the formula 663.78 / 12881.68 x 100). 18.49% of every repayment I made was for the PPI part of loan 4. 18.49% of a repayment of £270.37 = £49.99 5.15% of every repayment I made was for the PPI part of loans 1-3. 5.15% of a repayment of £270.37 = £13.92
  13. Loan 4: ELPPLN03827861 Amount of loan £10,500.00 Amount of PPI £ 2,381.68 Interest on loan (charge for credit) £ 2,724.23 Interest on PPI (charge for credit) £ 617.49 APR 9.9% Months 60 Monthly payment [email protected] £49.85, [email protected] £49.96 Payments made 21 of 60 Dates 01-Jul-2003 - 01-Mar-2005 Unknown - Early repayment refund expected £49.96 Early repayment refund received £49.96
  14. But have by then made x11 payments of £6.20. So £436.43 + (£295.55 - (£6.20 x 11)) = £663.78?
  15. Loan 3: Early repayment refund expected £1,792.09 Early repayment refund received £1,355.66 - so a difference of £436.43
×
×
  • Create New...