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srrray

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About srrray

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  1. Thanks dadtaxi. I'm just looking at the IOC site now with regard to the SAR.
  2. Well, I sent a letter to LIDL asking for information as outlined in post #1 above. I received a response this morning, seven days after the date on the letter, as follows:- Disappointing, but expected. The above response was sent to me via 'snail-mail', not e-mail as suggested in their letter. They have decided to ignore my request for access to CCTV footage. How long do they expect people to keep receipts? Most people would check their receipts when they get home against the groceries they bought. If they are on the ball financially they would keep them until the amount paid appears on their credit card accounts (which in this case was the next day - 1st December). Then it would go into the shredder. Without a valid receipt I'm scuppered because they state that bank statements would not be accepted for data protection reasons. It's Ok for LIDL to employ a company that ignores any data protection I may be entitled to though! The strange thing is that LIDL are willing to accept receipts 'for prior visits'. How does that prove that the driver of my car shopped on 'contravention day' as they put it? LIDL go on to state that they are willing to take it up with ANPR Athena on my behalf but I cannot provide the key element i.e. the receipt. I have not contacted ANPR Athena at all since I received the PCN, so do I contact them now to let them know that I have written to LIDL directly to contest it? Do I write back to LIDL stating that I am totally hacked off with their response, arguing that it is their responsibility to sort it out given that they effectively employ ANPR Athena to manage their car park. Do I demand an answer to my request for CCTV footage? Any advice gratefully received. many thanks.
  3. New post (closely linked to this one) here . . . . . http://www.consumeractiongroup.co.uk/forum/showthread.php?472547-Athena-Lidl-parking-ticket&p=4976212#post4976212
  4. Many thanks for your valuable advice Ericsbrother. I will construct a letter tonight and send it recorded delivery to their Customer Services department tomorrow morning. Regards, srrray
  5. Hi Ericsbrother, Could you please tell me how you ascertain that the NTK is PoFa compliant? I have looked at Springything's PCN but I cannot see where it mentions "Schedule 4 of the Protection of Freedoms Act 2012 (PoFA)". I have just received a PCN from Athena for parking in a Lidl car park for 33 minutes over the 10 minute time limit (it was actually my wife but I am the registered keeper of the car) and I cannot see any mention of PoFa. My wife is adamant that she typed in the car registration number on their system at the time. Unfortunately, she has a morbid fear of technology, but she told me it took her two attempts to get it right, or so she thought. I too have been subject to a PCN in the past (ignored it and they (Asda) got fed up chasing me) and like Springything I have heard that the rules had changed recently. Unfortunately my wife's receipt has been put through the shredder, but she does have proof that she shopped on the day by way of a entry on her monthly credit card statement. Ordinarily I would ignore all postage that will be sent to me for this new PCN but the rule changes may not be in my favour, whatever they are? I could approach the store manager to show him/her proof that my wife paid for goods by credit card but like others have stated, it will probably fall on deaf ears. I was also thinking that LIDL would have cameras in store, focusing on the till areas. Perhaps I could ask the store manager for a copy of my wife's movements in store that day, between the times specified on the PCN. Again, I fear they would fob me off saying they only keep their footage for x number of days. Would appreciate your thoughts, and anyone else's for that matter. Regards, srrray
  6. Thanks Stigman & Dx, It's reassuring to have such quick responses and advice. I'll have to read through the original paperwork/contract re. the interest. I have a complete written account supplied by Chatham of how much I have paid off this debt from day1 and the amounts of interest I have been charged. I'll send off for a CCA in the next day or two, when I can get to a Post Office for a PO. Thanks again, Steve
  7. Hi, I defaulted on a loan with Colonial Finance back in the late nineties/early naughties, and it was sold on in turn to various credit agencies such as Allied International (lovely bunch of people there!) and lastly Chatham Finance. The £10k loan, plus the £4k interest and £2.7k PPI cover was all passed on to Chatham finance, a total of £16.7k. I have negotiated with Chatham over the years and managed to tie them down to a 1% interest rate on my debt, the outstanding balance of which now stands at £3,800. I have always thought it may be illegal that Colonial sold on the £4k interest and £2.7k PPI parts of the loan. It has obviously created a situation where I am paying interest upon interest. I have never questioned the interest/PPI issue with them because I always try to avoid contact with these people as much as I can, and I didn't want to get into a situation where they would increase the interest rate I had negotiated so hard for due to me arguing various issues with them. That said, could anyone advise if Colonial were in their rights to sell on the interest and PPI elements of the loan? This debt has caused many a tear over the years, just like it has with other people on this forum who have had similar experiences of abuse & harrassment. Could I claim that I was illegally sold the PPI, even though it's over 15 years since I took out the loan? Would any such claim need to be made against Colonial or Chatham? Any advice would be greatly appreciated. Thanks. Steve.
  8. Hi TonyLynch01, I know it's been over two years since the last post on this thread, but I was just wondering how you got on with Chatham Finance, as I have had similar problems with them. I defaulted on a loan with Colonial Finance back in the late nineties/early naughties, and it was sold on in turn to various credit agencies such as Allied International (lovely bunch of people there!) and lastly Chatham Finance. The £10k loan, plus the £4k interest and £2.7k PPI cover was all passed on to Chatham finance, a total of £17k. I have negociated with Chatham over the years and managed to tie them down to 1% interest being charged on my loan, which now stands at £11,500 outstanding. I have always thought it odd that Colonial sold on the £4k interest and £2.7k PPI parts of the loan, because I am paying interest upon interest. I have never questioned this because I always try to avoid contact with these people as much as I can, and didn't want to get into a situation where they would increase the interest rate I had negociated as a result of me arguing varios issues with them. That said, could anyone advise if Colonial were in their rights to sell on the interest and PPI elements of the loan? This debt has caused many a tear over the years, just like it did with Tony's family. Any advice would be welcome. Thanks.
  9. Thanks Todge. I sent off a letter to my bank manager and needless to say, he thinks the charges are reasonable and has rejected my request to have them repaid. I have successfully reclaimed charges from RBoS previously, so this is effectively a new claim. He mentioned in his letter that RBoS had already reimbursed me with a substantial amount of money last year so no further claims would be entertained. Has anyone else made a second claim against a particular bank and been successful, that you know of? Do I have a chance of being successful 2nd time round? The sum in question is less than £200, but it's £200 that I can ill afford to lose.
  10. RBS have just started to charge me with something I have never seen before:- CHG GTEE CARD PYMT FEE - £35.00 This is because one of my cheques (guaranteed) was presented to them when there were insufficient funds in my account. Has anyone claimed these charges back before?
  11. RBS have just started to charge me with something I have never seen before:- CHG GTEE CARD PYMT FEE - £35.00 This is because one of my cheques (guaranteed) was presented to them when there were insufficient funds in my account. Has anyone claimed these charges back before?
  12. Thanks BC, I submitted the claim on 4th October before I read your response to my previous post. I addressed it to the Litigation Group at 1 Princes Street, London. It was acknowledged by RBS on 10th October. Regards, Steve
  13. Well, I have not had a letter from Tommy Mclean, or from anyone else for that matter, in response to my LBA. So, the next step is MCOL. Question. I previously sent my Preliminary Letter and LBA to my local branch manager. Who should I address the MCOL to? My branch manager or id there a head office address? Thanks.
  14. Thanks LFI, I have seen this before. The SIA licence number was on the receipt. I have traced the name of the individual 'owner' of this licence number, but I cannot prove that it was he who clamped me as I didn't see an ID card with his mugshot on display. Also, I have read that the clamper has to write his name and sign the receipt. He only satisfied the latter, and it was so unreadable that again, I could not link it to the 'owner' of the licence number. For the last 10 days, I have been trying to obtain advice from my local Citizens Advice Bureau, but they are so short of advisors that they shut their doors at midday. Being a full time daytime employee does not help me find time to visit the CAB other than at lunchtimes. I thin k my next step is to seek the advice of a solicitor at one of those free 30 minute meetings. Regards.
  15. Thanks BotB, Unfortunately, I wasn't suffering from a serious gynaecological problem at the time! :-| Of the two signs that I noticed after I had been clamped, one was hidden in a dark alleyway and the other was so small that it was difficult to read from a distance further than 10 feet away. This is the only defence that I have to be honest. Regards, Steve.
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