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    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
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        • Like

Price v Lloyds TSB


moosetastic
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Hi everyone. This is my first post on this site and I am thoroughly excited about claiming my charges back.

 

I sent my S.A.R - (Subject Access Request) letter on Wednesday to my branch (was too eager and didn't read the threads first, sorry, smack my hand :confused: ), so I'm hoping that its gone to the right place.

 

So, 38 days to go and counting! Will keep you all posted, and please be gentle with me! ;-)

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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  • Replies 115
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Top Posters In This Topic

Welcome.

 

Ok, I don't normally do gentle, but I'll try

 

Please read the FAQs (and step by step guide).

Please make sure that you're confident about the process and various stages involved.

Please realise that ultimately you could end up in court, so you need do do your homework.

Please ask any questions on your thread here.

That's the last time I'm going to say please.

 

Best of luck.

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Thanks Michael, well Ive got time now to read up on everything, and don't worry, after some threads on here I'm not gonna give up, thats for sure! :)

 

Thanks for all the advice, and I will post regularly to keep you all up to date.

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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hi all. :)

 

well, i spent about an hour last night going through my online statements, back until july 2002, so far £495! seriously cannot wait now for all my statements to come back!! :D

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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  • 4 weeks later...

Ok, update time..........

 

I got my statements back on Thursday, and when Ive totalled it all up it comes to £1052.50 :o :D :D (edit, i added it up wrong!)

 

So, time for the prelim letter to go! Does this go to my branch?

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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thanks jakena and walgrave, ill do the same x :)

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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ok, blimey that was quick, sent letter 1st class recorded on Monday, and got reply back today, which reads -

 

"Thank you for getting in touch with us. I am sorry you are unhappy over your account charges.

 

Like any business, we do make a charge for some of our extra services. When a customer doesn't have enough in their account to cover a pyament, this always means additional work. We must either make the payment for you via and overdraft or send the payment request back. Either way, it has to happen speedily. We feel its only fair to charge for the extra work involved.

 

Of course it is only fair too, that we're completely open to about any charged for services before you take them up. Thats why we take care to provide every new customer with the latest guide to our charges. You can also get up to date details about our fees and borrowing rates at al our branches, via our helpline and on our website.

 

Just as importantly, we do everything we can to help our customers avoid charges altogether.

 

I'm sure you'll know how easy it is to keep a running check on how much is in your account. You're free to get an up to date balance at any of our cash machines, over the phone, online and nowadays even by text to your mobile.

 

If you know a payment is going to take you over the limit, you're welcome to see if we can raise your limit - and we can usually give you a answer straightaway. You might know, too, that we don't ususaly charge fees if its the first day in 12 months that you;ve gone overdrawn without agreeing it with us beforehand. And we never charge an overdraft excess fee more than three times in any one month, however many times you go over the limit.

 

You;ve mentioned the new guidelines from the OFT on credit card default charges (didnt put this in the letter, but whatever!!) We dont agree with the OFTs thinking on this and we're are still talking it through with them. But the important point is that the guidelines only concern "default charges". The fees we charge for going over an overdraft limit and for returned payments are not any kind of default penalty. They are fixed standard prices for the service we provide in these situations. So according to our legal experts, the OFTs guidelines on credit card default charges do not in any way apply.

 

I do hope you can see that we make our charging system as fair as possible, and why I cannot agree to cancel your charges. In case you haven't received a copy of our leaflet "How to voice your concerns" I've enclosed one with my letter (she didnt but whatever!!) This tells you all you need to know about resolving your complaint with us.

 

If you;re still unhappy, please don't hesitate to tell me what more you would like me to do. If we cannot agree a solution at that point, I can help you refer your complaint to the Financial Ombudsman for independent review............... yada yada yada"

 

Is this letter standard procedure? Ive looked through some of the forum posts and dont seem to see a letter like this anywhere. Any help would be massively appreciated :)

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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Yep, bog standard, so 14 days after the date of the prelim, send them our bog standard reply - the LBA

 

 

Thanks Michael, will be waiting the 14 days as I now have to make things stretch till the end of August when I can afford the £120 small claims fee!! Watch out TSB, here I come!! :lol:

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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Share on other sites

God how I hate all this game playing, I should be doing my online court application right now but instead I'm hiding from bailifs.I'm just so sick of it all. I've got my youngest disabled daughter ill, and I'm trying to get my head around the online claim and which way I can avoid the bailifs !

a very sad, and tired Freebird........

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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  • 2 weeks later...

well, lba letter has now been sent today. im seriously getting excited about this. I have even mentioned all about it at work, and several people were extremely interested! :-D

 

im sorry to hear that freebird, it cant be easy. i know what debt is like though, and being a carer for my husband for the last 3+ years hasnt been easy.

 

If you ever want someone to talk to, feel free to drop me a line

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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Share on other sites

well, I only sent my LBA 2 days ago, and got this reply today -

 

Dear Mrs Price

 

I am just writing to let you know that we've received your further letter - and to say how sorry I am to learn that you remain unhappy with us.

 

 

You have my assurance that one of our assistant managers will investigate the concerns you have raised with us - this may take a little time but I would expect our enquiries to be complete within the coming 2 weeks. We will then be able to respond in full to your complaint and at that stage, I hope, resolve matters between us.

 

Yours sincerely

 

Daphne Tipper (Mrs)

Customer Service Advisor

 

Is this normal? Havent seen this kind of reply on the forums?

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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hya Moo, I'm sure I've seen this in the Lloyds thread before and I think that it was sugested that this was general stalling tactics...again trying to get us to "wear" down, which of course we won't...................

we're just going to have to sit tight and ride the course!

I'm so impatient now..lol...and their delaying tactics and making us wait till the 11th hour is waring thin now, with me, I feel like phoning up and saying, come on guys we both know that, you're playing games and you will bottle near the end......!!!but of course I won't....I'm just sittin on my hands and biting my tongue ...lol.....

Freebird x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Do not let them dictate the time limit ..Once the 14 days you gave them is up go on to the next step.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Do not let them dictate the time limit ..Once the 14 days you gave them is up go on to the next step.

 

 

will do mjanet, have been reading your post btw, you are a great inspiration to us all!! :)

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

Link to post
Share on other sites

only till friday to go now until i make my claim, and havnt heard a thing back! getting seriously nervous now, but I know its all gonna be worth it

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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Share on other sites

had reply today, basically thanks for your letter, we respect your frustrations but you're not getting a penny!

 

So, Moneyclaim will be going ahead tomorrow I hope, if I have the funds. Any words of advice? :oops:

ps i already read somewhere on the forums that if you are in receipt of Work Tax Credit with a disability element you may be exempt from the court fees? Is this true? The disability element relates to my husband (we claim WTC jointly) but I am making the claim against TSB on my own. Does this make a difference?

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

Link to post
Share on other sites

anyone know this? really need to know as filing my claim today

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

Link to post
Share on other sites

Moose, check this link out

CompactLaw - court fees

 

if you qualify you need to take proof of benefit with you, recent letter from DHSS will suffice and proof of residency, utility bill etc.

good luck

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

Link to post
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thanks Michael and Freebird once again for your great advice. :)

 

I think I'm just going to pay for the fees and claim them back anyway. It will leave me a little short, but that should be nothing compared to around £1500 back.

 

Does it make a difference if you wait a little longer than the 14 days before submitting the claim? Im gonna have to wait until thursday to get the extra few pounds to make up the £120. Will it hurt my claim in any way?

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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Does it make a difference if you wait a little longer than the 14 days before submitting the claim? Im gonna have to wait until thursday to get the extra few pounds to make up the £120. Will it hurt my claim in any way?

 

Not at all, you can file at a time convenient to you, tomorrow, next week, or next month.

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Thanks Michael, I appreciate all your good advice ;)

Price vs Lloyds TSB - S.A.R - (Subject Access Request) - - letter sent 21/06/2006

response received 20/07/2007

Total amount to claim £1052.50 !

prelim letter sent 24/07/2006

first rebuff letter received 27/07/2006

LBA sent 10/08/2006

Moneyclaim submitted 31/08/2006 - Total £1485.41 :D

Defence and AQ recvd 07/10/2006

AQ returned to court 12/10/2006

AQ returned to SC&M 13/10/2006

AQ received frm SC&M 23/10/2006

Conditional offer recvd 29/11/2006 :)

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