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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Denied Manual Intervention Information


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I sent my DPA letter to HBOS. After acknowledging my request & confirming copies of duplicate statements are on their way, they said the following:

 

"With regard to your request for information relating to manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore I am unable to assist further with your request".

 

Can anyone tell me if the above statement is correct? I thought any information relating to personal details should be recorded and made available.

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Can i just say this is a standard letter they are sending out now. I never even asked them about manual intervention and they sent me out that letter.

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As far as we ie. the customer is concerned the fact that there has been no manual intervention is a good thing. It means they can't say that "someone" had to do something with your account that took time and therefore cost :)

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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So then, if Rino's letter is the 'truth' then how can they justify such high charges for an automated system. If I were a shareholder and realised that we were using charges to pay for the IT/IS to run the Bank I would be gobbsmacked!! But I suppose as long as my divvies came in them I probably wouldn't give a monkey's. However, they cannot justify charging us such extortionate rates if that is the case - Hooorah!:razz:

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Old account

Received copies of my statements

Only entry for a charge was Returned chq fee of £20.00

However interest charges for the period when I was overlimit = £371.25

Apparently interest was refunded back to the account to the tune of £302.18

 

Also credit card insurance fees fluctuated considerably, starting at 72p per £100, rising to 73p per £100 when I went over my limit. The amount paid in total = £312.46.

 

 

 

Can I claim the difference of £69.07 plus the £20 late fee?

Can I claim back all interest including interest paid before I went overlimit?

Can I claim back my Credit Card Insurance as I was never unemployed for the period of the card ownership?

Which template letter would be the best to use? Or have I lucked out on this one?

Any help with these queries would be greatly appreciated.

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Just because you weren't unemployed during the period of insurance does not mean you can claim the money back. Insurance is there in case something happens, in your case it it didn't but you can't have your money back! Would be a great policy if it did lol

I'm puzzled over what interest you want to claim back. You could only claim back any interest you paid on the £20 late fee, not interest on the total amount owing as that rightfully had interest applied to it.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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With regards the interest - interest was debited against my account and this interest went up considerably during & throughout the period I was overlimit, as if that was used instead of late fees to claw their money back. Also, they refunded some interest back to my account during its time, so why can't I claim for the rest they didn't refund?

 

Any replies would be appreciated.

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