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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Can they really do this?


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:mad:

Can you believe this?

Checked online banking yesterday morningand saw that the council had taken out their council tax DD 3 days early causing me to go over my arranged overdraft. Waited for the bank to open and paid in the money as soon as.

Today recieved a letter saying I was getting a £35 charge:-x even though my online statement shows that I did not go over my arranged overdraft:confused:

 

How is this?

And why did the lady on the phone say that I cant claim it back and that in future my statements will show that I was overdrawn for that one hour?

 

Crazy, Crazy, Crazy

 

Greedy, Greedy, Greedy

Karen :oops:

 

05/01/07 S.A.R - (Subject Access Request) posted

07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted.

26/03/07 PAID IN FULL

 

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Hi,

 

I think the banks are going to make it as difficult and unpredictable as possible for consumers, its there way of fighting back.

 

Are you still banking with the same bank that you got your charges back from, because they could be making life difficult as a way of pay back to them.

 

Just a thought...

 

5layer

Started claim with Halifax on 30/04/08

Sent 1st letter for bank charges and interest

 

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Hi kazdoc,

Exactly the same thing happened to me:mad:

I looked on online banking and noticed a DD had come out early so the very same day I went into the bank and payed in the money. Looked back online and it showed the money paid in and I wasnt overdrawn. I thought that would be Okay but no, I received a letter saying I was getting the £35 charge.

When I rang to complain they said cos I had reclaimed charges in the past I would not be able to get it back:mad: oh I dont think so. I never signed anything saying I wouldnt claim again. They make me so mad :-x

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Yes, I claimed back my charges from The Halifax just over a year ago. In that time I've been lucky enough not to incur any more fines, unfortunately maternity leave has left me in the red!

I shall be writing to head office again about this ludicrous charge, and seeking to claim it back; however I do not wish my account to be closed.

Karen :oops:

 

05/01/07 S.A.R - (Subject Access Request) posted

07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted.

26/03/07 PAID IN FULL

 

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If it's any reassurance, they tried to tell me the same when I went and reclaimed my charges for the 2nd time. They still paid up in full, and STILL tried to tell me that they wouldn't pay out again if I did it again. Bless 'em, they do try. :rolleyes:

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Hi, no expert but if i remember correctly, if there is a problem with your account due to an early DD payment etc the bank and creditor are liable. If you have access to a DD form it does mention something about the guarantee.

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Thanks for that.

What really made me mad was the woman that I spoke to. She was so `up' herself. I have always been polite and even wrote a thank you letter when I was reimbursed. I made a point of saying to the lady on the phone that I understood that she was not to blame. She basically spoke to me as though I had seriously inconvenienced her and her bank! She said that if I had claimed back in the past then I could not claim back a second time:confused: Then again, I wouldnt like to do her job. I like happy jobs:)

Karen :oops:

 

05/01/07 S.A.R - (Subject Access Request) posted

07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted.

26/03/07 PAID IN FULL

 

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and we need this site!

 

Please don't forget to make a donation!

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I was always under the impression that if a change in payment date was going to happen, that the person claiming the money had to notify you in writing. I know about the slight variance in dates, but that only allows for things like weekends, bank holidays etc, as far I am aware.

 

Of course, the onus is always on the person whos account the money will come out of, that the funds are there, but having said that, the people who take the money have a duty to inform you of any change of date of this. I would give your local council an earful Kaz, and demand to know why it was taken early.

 

You have to bear in mind that, although human beings might not work on a saturday, sunday or public holiday, machines work for 24 hours a day, 7 days a week, 365 days a year at these places, so there is NO excuse for them removing, unlawfully I might add, funds from your account (but I see you KNOW its unlawful ;)).

 

Regards...

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What really made me mad was the woman that I spoke to. She was so `up' herself. I have always been polite and even wrote a thank you letter when I was reimbursed. I made a point of saying to the lady on the phone that I understood that she was not to blame. She basically spoke to me as though I had seriously inconvenienced her and her bank! She said that if I had claimed back in the past then I could not claim back a second time:confused: Then again, I wouldnt like to do her job. I like happy jobs:)
Oooh, sounds like the stroppy cow I got last year. She kept on saying: "If you managed your finances properly, this situation wouldn't happen", to which I promptly replied that *I* managed my finances properly, I had only gone over by 12 pence, and that it was *their* mis-management of my account, piling on £39 and £28 one after the other which had led to my claim for £150. She didn't like that one little bit. :razz:
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