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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
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Flinty fights the Abbey


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Having seen T.V progs and read this site I decided to take action against some horrendous charges on my account.

In May the Abbey failed to reinstate my overdraft due to a 'System failure' This resulted in most of my DDs failing.The O/D was reinstated the day after and I did not get charged for these. However, I charged them according to their own terms and conditions £190 for failing to pay these DDs when there were sufficient funds available. This naturally after detailed investigation was blamed on the system and not the Abbey's fault therfore they were not responsible for the £190.

After comprehensive research, Trevor Macdonald and this site, I sent the Abbey the data protection letter along with the £10 on 14th June. I have since recieved two letters from the complaints department dated the 27th June, one being the standard garbage about investigation etc etc. The other states the expected sh*t about terms and conditions and that the Abbey's current account is good value and compare favourably with the other banks. It also goes on to say that if the complaint escalates into a claim in the County Court they would consider giving notice to close the account. The last part of this letter seems different than the ones that I have read about so far.

As a gesture of good will they would be willing to Waive the £180 of charges incurred in March in full and final settlement of this complaint.:?

I have 2 questions.

Is this normal Abbey procedure in trying to pay as little as possible?

Can I accept the £180 and carry on with trying to get my money back? If so what words do I need to add to the acceptance form that I was sent.:-o

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It also goes on to say that if the complaint escalates into a claim in the County Court they would consider giving notice to close the account. The last part of this letter seems different than the ones that I have read about so far.

 

that is a standard part of their letter. for most people they dont carry out this action. I myself have had to return my cards and books also so has nnelson.

open a parachute account as soon as possible.

I have opened a NatWest step account and am very very happpy with the NatWest so far.

their banking system is far superior to the abbey.

when it states my available balance it is my AVAILABLE BALANCE.

unlike the abbey check your available balance and it isnt. they will tell you that, i have had many arguements with abbey and they quite catarogorically tell me you cant go by the available balance. They say i should keep a tally of it. why then do i need them if i am going to do my own banking.

REWARDSNOW AND CREDITSCOREMATTERS ARE NOW GETTING THEIR COME UPPANCE, I WILL MAKE SURE OF THAT

 

Grabby bank are the thorn in my side.

Claim issued 31st may 06

Served 5th june 06

Judgement obtained 20th june 06

Claim amount 1305.19 inc costs

CCA letter sent to Activ Kapital (now in default. 60+ days have passed)

CCa letter sent to Close management(21st june no response what so ever)

Data Protection Act letter sent to Black Horse(21st june no response so far)

Data Protection Act letter sent to First National(no response either.)

DFS has succumbed to my request for a new suite as the last one was not fit for purpose

All letters sent recorded and signed for.

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Hi, thanks for that I am now in the process of opening a parachute account.

Just one other question though, can I accept the £180 offered as I have not actually complained about my charges yet I have just asked about my transactions with the data protection letter?

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Can I accept the £180 offered as I have not actually complained about my charges yet I have just asked about my transactions with the data protection letter?

 

 

Unless you accept their offer as a full and final settlement, (which I assume you won't) they will withdraw the offer. So effectively the answer is no.

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Although you have not yet made a complaint YET ....the very nature of you asking for DPA information would have told them this is coming.

Make no mistake by now they KNOW about it !!!

 

 

The offer will be withdrawn and you are then free to pursue the process of recovering the lot.

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Have accepted their kind offer but will be looking at reclaiming their unlawful charges. Also reminded them that the 40 days were still running.

 

Have also started a claim against Forthright finance but this is another thread in the RBS forum.

 

 

Abbey data letter sent 14/6

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Yes I knew about the March charges. Have had periodic money hiccups over the last six years and estimate untill disclosure approx £2000. Like most others have sometimes begged for leniency only to be told that I agreed to THEIR terms and conditions and not a chance of recinding the charges. Even time to pay (half this month and the same next month) fell on deaf ears. Would love to really sue the Backside off them but reading the other posts on that subject will only go for what I honestly think they owe me, unless disclosure actually happens. Will keep you posted about the next reply, Should be interesting.

 

Cheers.

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Yes I knew about the March charges. Have had periodic money hiccups over the last six years and estimate untill disclosure approx £2000. Like most others have sometimes begged for leniency only to be told that I agreed to THEIR terms and conditions and not a chance of recinding the charges. Even time to pay (half this month and the same next month) fell on deaf ears. Would love to really sue the Backside off them but reading the other posts on that subject will only go for what I honestly think they owe me, unless disclosure actually happens. Will keep you posted about the next reply, Should be interesting.

 

Cheers.

 

Flinty disclosure is your RIGHT from my reckoning the 40 days is up in about 10 days ?

 

If they fail to give you this then get a letter out !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have been refunded the £180 with no letter of explanation. My last contact stated:

 

Dear Heather White,

Thank you for your letter dated 27th June 2006. I accept the offer of £180 but in full and final settlement of what?

As I have not yet officially complained about any thing that the bank has done, I have only asked for a complete record of my transactions for the last six years. Consequently I can only surmise that the bank is now worried about the amount off charges that have been levied against me.

 

I now suspect that this offer will not be honoured by yourselves and I will await the arrival of my previous request. . I have noted that you received my request on 15/06/2006 and the deadline is Tuesday 25th July 2006. Non-compliance by the forty day deadline will result in legal action being taken against the Abbey.

 

I have had no further contact with the bank and I am waiting until Tuesday before starting to get Heavy with them. Also they have yet to take the £10 from my account, is this yet another stalling tactic?

 

 

 

Abbey data letter sent 14/6

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Indeed nothing is suprising from these people who certainly have more staling than an Austin Allegro................

 

If their offer ws not signed and returned then they could not apply it as accepted.

 

I would send off the non compliance letter asap (see temps in bank letters)

 

Or if you know the figures then carry on with a prelim (taking away the 180.00)

 

In the body of your non compliance letter you could add something like...........

 

 

Whilst I acknowledge a partial refund of 180.00 I do not consider this anywhere near the total figure that I will be seeking repayment of,in respect of unlawful penalty charges applied to my account and I shall be pursuing the full amount.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You should of course await the 25th.

An 11th hour response is quite likely................although in Abbeys case this could even be 5 minutes before the deadline !!!

 

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Just about too start typing out. I will base my estimate on the statements that I have, but think that they will be more as I had a really bad run in 2001. Will also state that I reserve the right to amend, etc.

 

Have also written the non-complianec letter that I will post tommorrow.

 

Forthright finance however are behaving like school kids, obviously never had some one challenge them before. Please read my other thread in RBS at the moment)

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I stand corrected (probably not the last time) Will send this now ish ( when post office opens). Thanks for the reminder would have looked a fool otherwise. Mind you have been a fool trusting Abbey for years.

 

Non-compliance letter will still be going off at the same time.

 

Thanks.

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  • 1 month later...

Hi all, sorry about the delay but had other probs that needed sorting.

 

However can somebody tell me what this actually means,

b) a declaration from this honourable court that the term of the contract leading to the application of the charges is unenforceable;

Bankfodder says to include in your claim if you feel lucky, I have done so (in my forthright claim) but cannot find out exactly what it means

 

As for the Abbey the 1st letter asking for it back is about to go with the estimated charges. Will also be filing with the court about their non-compliance over the data protection act.

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  • 1 month later...

Have finally pulled my finger out and calculated the amount that they owe me. £2800 estimated over the last 6 years. Have sent the letter asking for it back and will now wait and see.

My apologies for the delay but have been obtaining Judgement:lol: against Forthright Finance, just waiting now for the paper work.:grin:

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Hi all, sorry about the delay but had other probs that needed sorting.

 

However can somebody tell me what this actually means,

b) a declaration from this honourable court that the term of the contract leading to the application of the charges is unenforceable;

Bankfodder says to include in your claim if you feel lucky, I have done so (in my forthright claim) but cannot find out exactly what it means

 

As for the Abbey the 1st letter asking for it back is about to go with the estimated charges. Will also be filing with the court about their non-compliance over the data protection act.

 

You are asking the court to make a legal determination on the validity of their terms and conditions.

 

Assuming you win the judge would make a statement as to the lawfulness of the charges

 

This would obviously make the banks a little more uneasy at the prospect of going to court unless they have found a defence.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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  • 2 weeks later...

Yea I got that to They just paid £395 in to my bank as a nice suprise! Used the money to pay for my claim LOL It has just been acknowledged on the 10th so playing the waiting game at the mo as they have untill th begining of Nov now! Good luck anyway!!

Buffy:wink:

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  • 3 weeks later...
  • 2 months later...

Sorry for the delay. Happy New Year to one and all.

 

Have just returned the Allocation Questinaire and the Fee. The total without court costs but with interest is £3800. No respone from Abbey yet except the usual crap that they intend to defend.

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