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    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
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Gib v Halifax


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I have spent quite a while reading through all the threads and FAQ's on this site and am suprised how many people are in the same boat with this. I just wonder what will be the final outcome once the whole world starts claiming back the unfair charges...

 

Anyway, I sent off my request for bank statements before i read that you can phone up and pay £5 but nevermind, I have statements going back 14 months and the charges on my account total £724. Pretty handy considering in Scotland you can only claim £750 at a time. I think that was a pretty good 14 month period in comparison so I can't wait to find out what the full total is. My RBOS account will be even worse but I have closed that and have only one statement. Statements requested for that too.

 

I sent out a preliminary letter requesting the £724 and everything else they have charged me. The deadine is in two days and I have the LBA ready to go. Just to antagonise them I sent an email covering what I said in the preliminary letter and added a few legal matters in a hope to speed things up. I sent it to every email address i could find for customer relations but I doubt I will receive a reply...

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14 days from preliminary letter and I have had no response at all. I have just posted my LBA and will hand a copy of it into my local branch at lunch time so there is no excuse of them not replying to this one.

 

Is there anyone from Scotland who has put a claim in for

 

any advice would be greatly appreciated.

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Hi,

 

Once bank has settled first claim there is no harm in asking for remainder of charges, however I don't think they'll pay until new action is started.

 

Do you have much more than 750 to claim.

 

I live in Scotland but I am using the English court to get my charges back from Halifax as they owe me more than £750.

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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Are you able to do that? i thought because my branch is in Edinburgh that i have to claim in Scotland. it certainly appears that way by the other threads i have read. Have you stated the claim then?

 

The £724 only covers the last 14 months, i think that was a good period so i would imagine it would be in the region of £1k a year going back from that.

 

I am still waiting on my statements as i only have a few before the 14 months i have asked for initially.

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Hello,

 

You should send all letters to their head office in Halifax.

 

That means you can use the English courts.

 

For MoneyClaim you need an English address (you can use a friend or relative).

 

If you do not have access to an English address there are solicitors you can use in England. I know one which charges just £2 for Letter Before Action. They will also submit claim online for you for just the cost of the court fee.

 

Once they say they will defend (as they will claim that they intend to defend) the solicitor will then pass the file to you to represent yourself.

 

It's quite easy.

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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Thanks, i have already sent my LBA from my Edinburgh address. Is it too late now? i have an English address i can use for the money claim but does the address have to be the same as the LBA?

 

Since i only have the 14 months of statements at present i might claim this one in the scottish courts and once i receive the rest of them do it though moneyclaim (presuming it is >£750...)

 

any thoughts? thanks for your help with this...

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Just be wary here. Your account will be operated under Scottish Law and not English law... trying to circumnavigate the legal system might not do you any favours...

 

Of course that's just my opinion :)

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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  • 2 weeks later...

I got several replies to my LBA, some with an offer, some without. The last one was the best though. It stated it had enclosed a previous response and also their standard leaflet but there was nothing in the envelope. Idiots...

 

I went to Edinburgh Sheriff Court today to hand in my small claim which with the interest totalled £766.86. It was a nerve racking experience but the guy behind the desk knew exactly what to do.

 

From reading the other threads it appears that the usual wait for repayment ends up being about 20 days after the claim was submitted so I am aiming for the 10th August. rock on!

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  • 2 weeks later...

I phoned the sheriff court today because i had'nt received anything back and I submitted my form on the 21st of July. They said they will send out another copy to me first class but one of the clerks emailed me and said Halifax have to the 12th of September to respond to the action and the hearing date is the 19th of September. The timescale seems huge in comparison to other cases. Is this just a Scottish thing?

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