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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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Halifax 2nd claim


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Hi all,

Some time ago i used this forum to claim back unfair bank charges with the Halifax, not taking me seriously i then went to the financial ombudsman service who succesfully got me £1200 of unfair charges for the last 2 years.

I would now like to claim for £210 worth over the last 2 months but I heard a rumour that Halifax has now frozen all action regarding this matter (while their lawyers desperatly try and get them out of it). Does anyone know if this is true and should I continue to claim my charges?

thanks for reading and thanks in advance

Z

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Hi Zombola

Yes you can still claim your charges,same process as before,send your sar,but if you have your statements send your prelim,it may take longer this time round due

to the test case but your claim will be in the system.

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Thanks Tilly, thats very reassuring. i've sent off my prelim with statements and spreadsheet. Hopefully because its a realitvely small amount they'll pay out without fuss. you never know though.

thanks again

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  • 2 weeks later...

Hi,

I had a prompt reply from the Halifax stating that they have indeed frozen any action regarding reclaiming overdraft charges until they settle it in court.

 

here is the said letter.

 

2293404701_82174f1051_b.jpg

2294195846_425144da9e_b.jpg

 

Does anyone have any advice on what to do next? Should I wait it out or is this another fob off?

At this stage when I succesfully claimed last time after my first response from the Halifax I then got in touch with the Financial Ombudsman service however the letter states that they too will tell me the same answer. Does anyone know if this is correct?

thank you

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Thanks Tilly

Ive filled the N1 form in upto where you put the charges and court fees etc.

is this a formal way of saying 'Im taking you to court' and/or do you think it will come to that?

I dont have a solicitor and do you know where I can find out how much the court fees are?

Thank you

P

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Hi

 

When you submit your N1 to your local county court,then yes you are taking them to court to reclaim your charges. You will need 3 copies of your N1 your Poc and 3 copies of your spreadsheet.below is how you fill the rest of your N1 out.

claimant You

 

Defendant

 

halifax

 

Brief details of claim

Money claim for return of penalty charges

applied to the claimants bank account by the

defeendant

 

Value

Charges xxxxxx

interest under s69 county courts act 1984 xxxxxxx

Total xxxxxx

SAR - (Subject access Request) Fee.....£10.00

 

 

right hand corner

Amount claimed xxxxx

court fee if applicable

solicitors cost leave blank (you dont't need one)

Total amount xxxxx

 

 

Court Fees - Do you have to pay them?

 

County Court fees and exemptions

 

 

 

Tilly

 

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hi. my 1st post on these forums. i have a few questions and think this thread is the best place since the OP is in a similar situation to me...

 

1 - i claimed about £1800 back and received it in April 2007. since then i have incurred about £1000 of further charges. am i eligible to claim for a 2nd time?

 

2 - any idea when htis court case ruling will be made? April? May? December :) ?

 

3 - when it is made.... any idea % wise of the chances of the judge ruling that bank charges are allowed to be reclaimed?

 

ok thanks to anyone for any advice that may be forthcoming. Nick. :)

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Hi Nick and welcome to the forum

 

Yes you can reclaim your charges back a second time.

 

at the moment there is no outcome of the test case

 

nobody know's what the decission will be

 

It is in your best interest to have your own thread,that way you will get

all the help you will need. click on the link to start a new thread.

 

newthread.gif

 

Tilly

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