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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • You've already replied to their Letter Before Claim.  Ignore everything now, unless Simon does have the gonads to take court action.
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Been trying to post a thread for days!! Thanks Crusher!

Anyway...........received my Small Claims pack today and have read through but now need to carefully read and digest.

I'm trying to list the charges in an orderly fashion (decided to do this because it highlights where the blideybuggers have jiggled the transactions round so they can apply more charges!)

Have decided that I need to do this right 1st time otherwise the blideybuggers will be putting their 2 fingers up at me again!

Wish me luck peeps ............cassie:confused:

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Good luck..... go get 'em!:)

 

Libertie

______________________________________________________________________

Halifax prelim 23/5/06, LBA sent 31/5/06, moneyclaim 27/6/06, Halifax intend to defend, halifax paid up!19/7/06:D Donation made.

Amex prelim 22/5/06, LBA sent 5/6/06, Final LBA sent 9/6/06, settled 30/6/06:D Donation made.

Barclaycard prelim 26/5/06, LBA sent 9/6/06......to be contd

HSBC prelim sent 6/9/06, LBA sent 19/9/06, MCOL 12/10/06....

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Best of luck cassie

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 3 weeks later...

Well, calculated the amount and interest. Adds up to £1260 + £116.78 interest.

Thought I'd be nice and ring and speak to someone direct. What a joke! I was basically told that I'd gone against the terms and conditions of the account and should have been managing it better! When I mentioned the OFT report finding that the charges were excessive and therefore could be illegal, 'Paddy' stuck to his guns and said they charged everyone the same (don't you just hate being called 'madam')

So, after much discussion I was told to post to Trinity Road address. Here goes nothing...........cassie

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  • 4 weeks later...

Well folks, sent letter and received a reply. Surprisingly, they have offered £387.00 which are the charges levied since June. I'm going to push my luck and refuse. My offer will be £1020.00 - I am agreeing to pay £12.00 for each time I was over my limit as I think this is a fairer charge but I am NOT paying where they are at fault. I will accept this, without interest, provided they settle promptly. ............cassie

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Why not accept the offer as partial settlement but tell them that you intend to pursue them in court for the remainder.

 

It'll give you some cash straight away.

 

And why pay £12.00 for each time you were over your limit. I don't think it costs £12 to send a standard computer-generated letter.

HBOS Plc - £9,954.65 Received partial settlement - Court 6/12/06 default removal / compensation / declaration

MBNA - Settled in full £2,377.33

Abbey National - MoneyClaim filed 26/06/2006 £883.90

Lloyds TSB - Claim Filed 11/08/2006 £2,630.00

Egg.com - Claim Filed 11/08/2006 £1,393.60

GE Money - Claim Filed 11/08/2006 £965.22

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stu - i thought about doing that but thought that may prejudice the rest of the claim. Am I wrong?

I suppose I'm trying to show that I can be reasonable! (or a very stupid mare!) Think I'll reduce my offer to £6!............ella

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I wouldn,t make your offer cassie.

Its a waste of time.(been tried)They wont take you serious until

you file the N1 Form.

You should go for the full amount plus interest.

Why should they have it?

 

Good Luck

pre lim letter sent 4/07/06

lba sent 18/07/06

N1 served 2rd Aug.

Paid in full Aug 15th

Checked account today 16th !!

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I doubt you,ll get paid the part settlement either.Twice I asked for

this and nothing yet.

Just go for the full amount if I were you.

pre lim letter sent 4/07/06

lba sent 18/07/06

N1 served 2rd Aug.

Paid in full Aug 15th

Checked account today 16th !!

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Hi, It looks as though you need to read through the FAQ and a few of the threads, its your money ALL OF IT dont compromise, by reading up you will see the reasons people are claiming the full amount taken by the banks in unlawful charges and you will confident to proceed. Read the step by step guide and use it, it is there for a reason.

 

Best of luck

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Well folks, sent letter and received a reply. Surprisingly, they have offered £387.00 which are the charges levied since June. I'm going to push my luck and refuse. My offer will be £1020.00 - I am agreeing to pay £12.00 for each time I was over my limit as I think this is a fairer charge but I am NOT paying where they are at fault. I will accept this, without interest, provided they settle promptly. ............cassie

 

Cassie dont just refuse their offer you have to accept it as a partial settlement, claim the whole amount as well not the reduced amount you have got this far a few more weeks wont make that much difference

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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