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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Gone over the overdraft limit - massive charge! Please help!


Clare1981
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Hi there!!

 

I'm abit of an old timer from the boards! Claimed £5000 from HSBC a couple of years ago, a huge success!!

 

Anyway, we are back... huge overdraft and have had a difficult month or two with a new baby arriving and other things. We have gone over our overdraft limit a few times, not by alot but enough to be charged obviously!

 

Really worked hard to stay within the limit this month and had succeeded! Until I notice a huge charge of £155 on my statement yesterday taking me over my overdraft limit!! :( :(

 

What can I do?? Do I still have the right to ask for it back??

 

TIA xxxxx

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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Hiya Tia,

 

Nice to see you back.

 

Yes you can still reclaim them. ;)

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Thank you! So where do I start? What are Lloyds like at giving you back YOUR money?

 

Clare xx (TIA stands for 'Thanks in advance!' Sorry!! xx)

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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My mother claimed back over £500 this was paid within 20 days of making the complaint.

 

then a few days after they refunded the fees

 

they start all over again. Overdraft fees making the account go over the limit so more charges can be applied.

 

You can not trust any banks now days, Best to keep cash in the house in a secure safe. It be in safer hands.

 

 

I had the same problem

 

but with another bank, a cheque for £15.00 got returned unpaid, so they charged me £29.50 which put the account £29.50 overdrawen due to there fee.

 

They sent me a letter and charged me £19 for that, and i took court action, and advised i will not be using the account anymore, so in the end a returned cheque of £15.00 has cost over £100.00

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  • 4 weeks later...
  • 1 month later...

The reason you got such big charges with lloyds is they charge you differently to other banks i have encountered

 

For example, they charge you 6 a day if you are 1p-14.99 over your overdraft limit, obviously the more over you are the higher the daily charge goes.

 

And you are charges a 15 monthly fee, as well as those daily fees

 

 

This is taken direct from their website

 

Monthly fee

£15

You will pay this fee if you have an Unplanned Overdraft at any time during your monthly billing period (even if your next monthly billing period is only a few days away).

We will charge you a maximum of one monthly fee in a monthly billing period.

Daily fee

Unplanned Overdraft balance is:

Less than £25 - £6 a day

£25 to £100 - £15 a day

More than £100 - £20 a day

 

You will pay a daily fee for using an Unplanned Overdraft. The amount of the fee will be worked out at the end of each day (including weekends and bank holidays) on the balance of your Unplanned Overdraft.

We will charge you a maximum of 10 daily fees in a monthly billing

 

 

Takes the preverbial i know,but thats why the charges are so big. Never encountered a charge that big before mind, and i am on the whole happy with lloyds, i moved to them from barclays, and am glad that i did:)

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