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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Now I'm ready to act


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I have started this thread for my boyfriend who has enlisted my help in getting his bank charges back.

 

We posted the DPA several weeks back and RBS didn't even aknowledge his letter they just sent a bundle of statement, with a covering "as requested letter". Cusotmer service at it's best NOT.

 

So we (the royal we) are going through and totaling up to insert into the Prem letter.

 

Lets hope their customer service improves.

Me - Nationwide: Total Claimed £740.06 inc court costs

Prem posted 09/06/06, LBA sent 27/06/06 :)

Claim Issued 08/08/06 :mad:

Partial Refund 18/08/06:-)

 

 

 

My Fella - RBS Total Claimed:£671.75

Prem Posted 30/06/06, Prem posted to branch 26/07/06 :)

LBA sent 18 Aug - Moneyclaim due 01/09/06

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My bank statements arrived in a torn envelope- I assumed the 'with compliments' slip must have fallen out! Aye right!

Anyone get the feeling that there's a wee man/woman at bank HQ or wherever, getting heartily sick of printing and posting millions of copies of bank statements.:);)

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I too have just received a historical print out of my account...however I just asked the nice man at my branch of RBS if he could arrange it...and he did!! No charge...presumably done out of the goodness of their hearts!! So far the back dated charges amount to over £4,000!!!

 

However, at the moment trying to get back charges for June that sparked all this off, for us. Initially they wanted us to sign a dislaimer to say we would accept this refund as full and final settlement and would not seek to reclaim charges made prior to June!!! What a cheek!!! Told them, would accept as an interim payment, but would be considering whether to re-claim charges made on my account over the last 6 years, as entitled to do so. It is amazing that the banks have been allowed to get away with this for so long.

 

Pity there isn't a bank out there that wants to conduct its business fairly...I am sure there would be a whole lot of people moving their accounts if there was!!

 

Will keep the forum updated as things progress. Good luck to everyone else.

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Hi Guys, I'm back been a bit frantic on the home front - My fella's total comes to £671.75 to say he was shocked was an understatement. Post the Prem letter on Friday 30th and now we wait for a response.

Me - Nationwide: Total Claimed £740.06 inc court costs

Prem posted 09/06/06, LBA sent 27/06/06 :)

Claim Issued 08/08/06 :mad:

Partial Refund 18/08/06:-)

 

 

 

My Fella - RBS Total Claimed:£671.75

Prem Posted 30/06/06, Prem posted to branch 26/07/06 :)

LBA sent 18 Aug - Moneyclaim due 01/09/06

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Today my boyfriend got a response from (get this) "NatWest" re his prem letter about his a/c with "Royal Bank of Scotland". saying "I have not been able to trace an a/c in your name.... not a vaild Natwest sort code" Duh! obviously because it's a RBOS a/c.

 

His Prem letter was addressed to Stuart Higley, Customer Relations at RBOS, National Westminster Hse, 225 Shenley Road, Borehamwood, WD6 1TE. And the reply from NatWEST is from ... yep Stuart Higley.

 

Can someone enlighten me?? Should I resend the letter to Mr Higley and point out again that it is under RBOS or should I sent it elsewhere.

 

Grateful for any advice!!

Me - Nationwide: Total Claimed £740.06 inc court costs

Prem posted 09/06/06, LBA sent 27/06/06 :)

Claim Issued 08/08/06 :mad:

Partial Refund 18/08/06:-)

 

 

 

My Fella - RBS Total Claimed:£671.75

Prem Posted 30/06/06, Prem posted to branch 26/07/06 :)

LBA sent 18 Aug - Moneyclaim due 01/09/06

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I'd be tempted to send a copy of your original letter, along with his respose to your local branch - oh, and remind them of that ticking clock..!

 

Good luck, keep us posted

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Can someone enlighten me?? Should I resend the letter to Mr Higley and point out again that it is under RBOS or should I sent it elsewhere.

 

Grateful for any advice!!

 

To be honest I would send al correspondence to the branch directly. They will prob send a 'sod off' letter back, then send the LBA, again to the branch. This was my approach and it has now been forwarded to Custome Relations Dept.

 

Hope this helps.

Royal Bank of Scotland

24/05/06 - Requested 6 years of Statements - Received 09/06/06

12/06/06 - Initial letter sent requesting refund - Response received 21/06/06 - 'Sod Off.....'

27/06/06 - LBA Sent - 31/07/06 - Response received 31/07/06 - 'Sod Off....'

01/09/06 - Claim Submitted - 04/09/06 - Claim Issued to RBS.

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  • 2 weeks later...

Thanks for the advice guys, I have sent a coveing letter to the branch and included all the letters received, so now waiting for a reply - form any one. But I think I will send the LBA to the branch too.

 

Cheers

Me - Nationwide: Total Claimed £740.06 inc court costs

Prem posted 09/06/06, LBA sent 27/06/06 :)

Claim Issued 08/08/06 :mad:

Partial Refund 18/08/06:-)

 

 

 

My Fella - RBS Total Claimed:£671.75

Prem Posted 30/06/06, Prem posted to branch 26/07/06 :)

LBA sent 18 Aug - Moneyclaim due 01/09/06

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