posts crossed!! dejavu

Everyone is being a bit harsh on you Dejavu! You must be really angry - I know I would be - but even though the truth hurts - it could have been put more tactfully MB and G&M! A guest came to my house and parked outside - we are residents parking and she stood just inside my door to deliver my daughter, and in the few mins that it took, the traffic wardens managed to put a ticket on the car without us noticing! In our area there is two hours allowed inside marked bays - but the lines have all been worn away - my friend paid up straight away, the advice I got here was to fight the ticket as the lines had gone - she was infact on what was once a single yellow line. she could not have known that - but she isnt going to appeal as they are so hot on collecting cash round here that they never listen anymore I also get cross about folk parking in "our" area, and going off to town, but still think that there should be some discression used now and again by the parking maffia, it is really becoming rather stressfull, trying not to fall foul of all these rules! IMHO!!

http://www.consumeractiongroup.co.uk/forum/oft-test-case-updates/126399-oft-test-case.html that is the thread that I am following or at least trying to! Its very long and goes off topic quite a lot - but over all it keeps me up to date...I think!!!!!! Hope that helps? - now, go and get a cup of (redbush!) tea and settle down for a long read! Nice to see you here again.............................Darling1:p

IT used to cause me imense trouble when my ex was ordered in court to pay me meintenence for the kids and it used to be taken out of his account and then took 5 days to arrive at mine too late for the council tax DD....I used to ask who had the money in those 5 days and who got the interest on it? certainly my ex didnt and neither did I - they never told me the answer to that - but I ALWAYS got a charge on the DD being returned - and the council always got snotty over it........

yes it seems that you can obstruct your own gates! (the car is to large to fit into the victorian wide ally way laughingly described as off street parking in the property details) and there is a single yello line ac cross the gateway, and a notice saying that you cannot park on the yellow lines between 9-5 mon-sat.. Like you said PT2537 she should appeal against the ticket for parking on a piece of missing yellow line...anyone on this site would - but some people are too damned "nice". She paid up the same day over the phone, but I will direct her to this site and to your comments and hopefully she will defend herself. I have looked at where she was parked and we can put a awhole car in that place and none of it is on yellow lines! I shall ask her to come back and have a photo of her car in the spot to proove it - somehow I bet she doesn't... Sorry Pen - for the hyjack!

uhhh???? Actually they would probably love us to close it LOL - they stopped making money out of us when I WON against them last year!!!

Wow Dave! Very True! That is exactly the problem now - its all gone too far ..... - last weekend a friend was collecting my Daughter and was having a small natter in my hall the door 1/2 open - when she got out the "parking ambasadors" as we call them in Salisbury (well I actually call them another unprintable name!!) gave my friend a parking ticket that pointed out that she was in a parking permit zone and on a yellow line....well you can park outside our house for up to 2 hrs and as for the yellow line it wore out months ago and there is NO YELLOW LINE! But she paid the fine immediately! she must be MAD! We also got a ticket for parking across our own gates the weekend before it was 0910 on a Saturday morning! At the moment they are patrolling our quiet road all day, every day, and on that Saturday were going at it two at a time one on each side of the road! Not very long ago they would have knocked on our door and said you had better move - but now they are intent on enforcing the law - or is that collecting the revenue? - BUT when the yob kids near by kicked a hole in our fence and I took a photo of them , and the shop nearby had a good picture of the kids on their cctv we were told it was not in the public interest to prosecute them!!!! BUT obviously criminal types like Pens' son really do need to be taught a lesson! That is in the public interest as they make £30 out of him/Pen. It makes me MAD Keep thinking of moving abroad to try and find life like it was a few years ago when we were a free country.....

I find that hard to believe Pen!!! LOL Sue x:p

You have a manager ????????? - I was told at my branch of Nationwide they no longer have a manager?? so you can no longer demand to see the manager! But if anyone bites me on the bum whilst i'm there...I shall know its not the manager!

Funnily enough I was wondering if the OFT case goes as I hope it will.....will I be able to claim for the charges all the way back to '84!!!......without the X's co-operation? Dont think that he will want to "help" me to win LOL:D it was a joint account and we must have had a whole load of charges from then to 96 when we divorced!....

Well my old timer story is set in the 80's...........my son was diagnosed with leukaemia, and my husband (now the x) was not managing our account very well - for the obvious reasons..we were all over the place, I had stopped work, we were travelling all over for treatment and the bank manager called him in to say, please dont worry about the account - that LLoyds (yes Lloyds!) understood and that when things seemed a bit more settled we could sort out our finances. True to their word we did not have to even ask - just take what we needed and they covered all our bills etc. My son died and within a week of his funeral we were called in to ask how we were going to pay them back!!!! That was the begining of a long history of loans and bank charges! Oh well!! But at the time it ws nice not to have to have the added worry of threats and returned DDs etc...

Wilkinss208...is the bos - royal bank of Scotland and when did you put in your claim -?? I am building up a whole lot of charges at the moment at the HAlifax and I would liket to make a claim - not sure if I should start out claiming now or just wait?

I thought that the main point was the fact that banks are charging an enormous amount for this so called service and then charging when you cannot afford the charges that they have imposed! This is not just about the fact that some people are unfortunate enough to get into difficulties, and if we were all fortunate enough to be masters of our own destinies most of us would choose not to use banks AT ALL.... we do not choose to do so - we are payed that way - peolpe have benefits payed into banks - we are made to have DD's or pay more for services - you have to have a good credit score to buy a house etc etc... There are a lot of people I know who say they have never had any charges - then when they look have had some - they were just not so desparate that it really affected their lives - but families and lots of young people are desparately affected.

Think that rather depends on your age!! Doesn't it?? I dont think I want to be doing everything for my kids forever!! LOL:p The point I was making is serious though....the bank was prepared to accept the argument that it couldn't be unauthorised / as they had indeed authorised the transaction via his debit card in Tesco, last year......they could have just told him to go away! They did actually have a "service" that would have been completely free to use - but at opening of the account that was not "offered". Obviously that would not have made them any profit at all... so by giving youngsters the "freedom" to get into trouble and then make charges - and then charges on the charges that they obviously cannot pay - and then eventually offer them loans ....well there is a nice little earner - it seems rather calculated to me

Last year I made a claim on behalf of my son and won He and I were discussing the court proceedings yesterday - when he chirped up that he went into the bank TSB every time he got a letter telling him of his charges (i believe it was almost weekely) and spoke to a man and pointed out that if he was able to use his debit card in Tesco when he had not got enough funds to pay for his goods (only by a few pence) and the payment went through then surely it was authorised by them and it could not be called an anauthorised overdraft. Each time they agreed and refunded him ...regularly! this was over 1 year ago - he also kept asking why the card allowed him to overdraw when he did not have an overdraft facility and that he wanted that facility (if it existed) stopped . They told him that they could not stop it from doing this. One day however they sent the big guns out (he said it was a lady - and they can argue their way out of anything:rolleyes: ) She said they would not refund him this time...he said if you give me a card that does not let me overdraw can you remove the charge - she did and he was given a cash point only card - problem sorted!! ....untill the dreaded mobile phone contract by DD only was started - but thats another story ....and another claim Point being a young student with no experience of handling money and only a very part time income is given the "freedom" to go out and spend - he never asked for the "service" of a debit card - it was given to him and he definately did not have the money to pay the charges as he earned less than the charge!!!

good point jansus -

I was confused to read on the martin lewis money tips newsletter that I should hurry and put in my claim before the outcome of the ruling - I thought that I was supposed to wait untill a rulling had been given before making any further claims - (for a friend and a family member!) DOH

Doh! - good point!

: I was always taught - If you don't have the cash/savings to buy it, then you probably shouldn't be. [/quote from wanderingsole] True - but easier said than done!

Unless you are very wealthy and are above mixing general rif raf, it is very hard to feel proud of Britain. Peolpe are becoming so rude and unhappy with their lot. No one says hello now, all keeping them selves to themselves, comunities have broken down, the dirt everywhere, rubbish and dog s***t etc It is so beautiful here, I used to think that I could never live without the seasons changing and the history, but....the dirt the money grabbing schemes from the government and the constant worry about money ....the rain, it really does get you down in the end. I live in a Catherdral Market town that is full of history etc, imagine what it must be like in a huge city now. I have paid off all my debts - through the Bank action Group - which I feel is a kind of justice! I feel much happier (believe it or not!) for not having that feeling everytime the phone rings, and a white envelope comes through the door - the rows about money have stopped - although they were really about how scared we were....I do feel that Bankrupcy is the answer for some people - sometimes there is no way to stop the debts rising, and then at least they can put it behind them and move on, albeit without credit - not such a bad thing!

That is the bit that upsets me the most - You pay off your dept asap, in our case as soon as we realised there was a problem, and you are still black listed for 6 years after.... we didn't know we had a problem, we had asked them (Tesco Finance) to wait for two months when we would pay off our debt in full..... we moved house to release the money and they were informed of our new address, they never contacted us once by letter, hundreds of phone calls though, we were constantly telling them to get our address right, and even now on our credit file is links us to knightsbridge (I wish!) Andover and Leicestershire, we have never lived at any of the addresses that they quote and we now have an insert that says that there is currently a dispute about how correct the information held is. But that doesn't help - we have a sub prime mortgage and a terrible rating. It is sick that someone else can do this to you, Tesco can get nearly every part of the system wrong - then sell off our debt without telling us - and we pay the price....where is the court of human rights on this one? The latest tax con, is that in some town or other they are taxing you by the length of your car - via the parking permit scheme- apparently for carbon emmissions reasons (yeh right!) - so families with more than 2 kids (like mine) will have to pay extra for a parking permit cos they have to have a longer car (to put the compulsary child car seats in) than someone driving a 2 seater sports car - if its a short one! - how do they think it up? It will be like the olden times soon, we will have to start bricking up the windows to avoid window tax! or lying about the function of the rooms in our houses, to save on council tax bills. Although I am terrified of any size of spiders and would love to come to Oz. It certainly sounds more laid back there....We really do intend to emigrate in the not to distant future, but probably with all the other Brits, to Spain! We have nearly had enough of it here.

Good luck McIAvelli, My Daughter had a case due in court last Sept, it was put on hold just a couple of days before it was due to be heard, she has been advised to do nothing (!) just wait for the outcome and be ready to carry on where she left off - she had put her bundle together already - but was quite upset that all the work she had done , not to mention the court fees seem to have been for nothing - if a judgement is made in favour of the customers, and if we dont have to go to court to recover anything due, will we get the money back for the court fees (that we wont need to attend)?

10110001 - did you hear that comment on radio 2 yesterday? - a chap was looking for dating advice and was getting a lot of amusing replys from the listeners including Just met a woman that you dont really like and buy her a house! .......that seems to sum it up nicely!

The way the case went in court was that I was "given" the house and the morgage! His name was taken off the house - but stayed on the morgage untill I sold up 2 years later.We had only bought the house 6 weeks before he left. so there was not much equity and a lot of debts. He was given all the family debts to pay off - loans etc that HE had taken on - one however was in my name also - but he was told that he had to pay it off. ( I know - I know.....I got a call from the Nationwide heavies telling me that no court in the land can tell me I dont have to pay them if the other 1/2 does not keep up the repayments) So after the divorvce he had no capital to attach the legal aid costs to - I did so that is why I had to pay them, he also just kept on messing about with the court order ie. 2 weeks after I met my (now) husband, he stopped all my maintenance and then only paid the least possible for the children - knowing that I could not afford to go to court again, and was not now entitled to legal aid - because of my "partner". I then took it out of the hands of the court and put it onto the CSA but they were even more useless and at the same time stopped automatically reassesing payments, even though that was the reason I went to them!. So in asnswer to make then aktiv runners - I got all the shares and he got nothing....The share was worth nothing aswell, and I had 3 kids, a part time job and a huge mortgage - I sold up to get his name off the morgage completely as I couldnt trust him and bought with my new husband, and I still copped it!! This may seem like just sour grapes - but it is still very unfair to have the courts award him 75% of the costs - but I have to pay them! I think I will go to a solicitor like 1011001 sugests ...... I will see if it can now be attached to his proberty and paid back to me! Also ref the 7 year claim thing Bank Action Group members have been succesfully suing banks for more amounts that go back more than & years see "Pen" thRead