Thanks Bernie_the_bolt. I thought that trying to claim loading as a defence might be pushing it. I think that the bay is non compliant because... According to The Traffic Signs Regulations and General Directions 2002, the loading bay icon should be 100mm-200mm square. In the case of the one at the end of the bay (between the loading and disabled bays) the icon measured only 75mm square. http://www.opsi.gov.uk/si/si2002/02311355.gif Here is the bay in question: According to diagram 1028.3, Schedule 6 Road markings, each white dash marking the bay should be 600mm long. In this bay the white dashes vary between 590mm and 650mm on the road side of the bay and up to 750mm between the loading and disabled bays. Between the lines there should be a gap of 600mm minimum to 2400mm maximum. The gaps between the dashes vary from 540mm to 620mm. The words 'LOADING ONLY' painted on the road should be between 50mm and 150mm from the white lines marking the bay. In this case the gap varies between 30mm and 60mm. Any comments? I would especially like to hear from anyone who has ever used this defence. Thanks Chris

I got one of these the other day too, from Wiltshire Police. The make and model on the ticket are not wholly correct and the ticket appears to have been issued for the offence code 1908 with the words 'NO WAITING' written next to it - here it is. Now, the fact of the matter is that I was parked in a bay marked 'LOADING ONLY' at the time and I was not involved in making commercial collections or deliveries, although I was collecting a substantial amount of cash from the bank. From what it says above, if I opt to go to court then the fact that the ticket seems to be inaccurate is not relevant, is that correct? Assuming that it is correct, I will have to rely on the fact that the road markings do not seem to conform to the regulations set out in The Traffic Signs Regulations and General Directions 2002. Has anyone got any advice or experience to offer here? If it does go to court then I assume that the police will make an application for costs as well as the fine. Assuming that I were to win at court, could I too make an application for costs incurred in compiling my defence, attending court etc.? Thanks Chris

D'OH, having posted I have answered my own question. Sorry. Chris

Hi, I am new here. I have tried the search facility but could not find an answer... I have two accounts with Lloyds TSB, one joint (with the trouble and strife) and the other in my own name. I have sent a SAR letter requesting details for both accounts and recieved a response detailing charges for both accounts, no problem. It looks like I/we am owed a little over £1000. Now comes the preliminary letter requesting payment. My question is, do I need one letter covering both accounts or one letter each? I guess that each account will need it's own schedule though? I would send two letters from the outset but I am unsure if sending one makes it simpler if/when we get to the stage of filing a claim through the courts, ie. only making one claim rather than two. Sorry if this has been answered elswhere and thanks. Chris