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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
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I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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    • Well done.   Please let us know how it goes or come back with any questions. HB
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Dolly v Halifax (Mortage Arrears) +*+*WON+*+*


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Well, I am going to bite the bullet and go for some old charges to our Halifax Mortgage.

 

Got my statements today and there are £400 of charges from 2001/2002 - these are for Missed Payment fees of £20 and Arrears Admin fee of £25. Now as they kindly sent me a list of the abbreviations, I can see that they were all computer generated and not manually input.

 

There are other charges on my account marked 'Sundry', but I don't know what they are, so for the moment I am going to leave them well alone...I suspect that the Halifax may put up a bit of a fight on this anyway.

 

Preliminary letter going out tomorrow. Will keep you updated.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Hi Dolly

I also received reams of paperwork re my mortgage arrears with the Halifax this morning.

Unfortunately I cant make head or tail of them.

Could you possibly send me a copy of the abreviations that you got?

Also are the charges all more all less stated on the back page of each years statements?

I really would appreciate any help you can give.

Thanks

Pam

Email

[email protected]

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Be careful with these as I got duplicates, so, for example 19/03/02 charge would be on two sheets of paper and it wasn't until I was typing them out that I noticed this.

 

They are quite easy to spot - look for wording on the remarks on the statement style pages (borrowers Account Record) that say 'Matched k' - this is a returned payment and somewhere around there will be Arrears Admin Charge and Missed Payment Fee. They are easy to see as Matched K is shorter than the rest of the remarks so it stands out a bit

 

The abbreviations don't mean anything really, just show that it was computer generated.

 

Hope that helps :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Guest Jonnno

The abbreviations don't mean anything really, just show that it was computer generated.

 

Sorry to rain on your parade Dolly but this just isn't true. Abbreviations do not equal Computer Generated.

 

Good luck with your claim.

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Sorry, perhaps abbreviation was the wrong word.

 

The Halifax sent me a list of 'Payment Notations' and on that list it states if something is Computer Posted or Manually Posted.

 

eg) DDR1 is Computer Posted. DDR is Manually posted.

 

So the charges that I incurred, according to the Borrowers Account Report that I received are all Computer generated / automated according to their own annotation system.

 

Are you a bank worker, Jonnno? It seems weird that the two posts you have chosen to answer on the day that you joined are both about mortgages.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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I posted my SAR letter to Halifax just this week, so I will be watching your progress as you are ahead of me here. I had a mortgage with them up until 2004 and have been charged numerous times.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

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Sorry, perhaps abbreviation was the wrong word.

 

 

Are you a bank worker, Jonnno? It seems weird that the two posts you have chosen to answer on the day that you joined are both about mortgages.

 

Yes and both were quite harsh, sort of implying that we didn't know what we were doing - or maybe Jonno just hasn't read all the mortgage threads.

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 2 weeks later...
Guest Jonnno
Yes and both were quite harsh, sort of implying that we didn't know what we were doing - or maybe Jonno just hasn't read all the mortgage threads.

 

Dolly & Gizmo, I'm sorry if you felt my posts were harsh. I just call 'em as I see 'em. Call me a nitpicker if you like but I can't help pointing out when people post stuff as fact when it ain't.

 

Now if Dolly had given all the details initially that she gave in her last post then I wouldn't have chipped in at all. If HBOS are charging mega bucks just for comp generated corres then fair enough, have a pop at them.

 

You'll note I did wish Dolly luck with her claim, and I wasn't being ironic.

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  • 4 weeks later...

Quick Update : Received standard go away letter from the Halifax this morning.

 

There was a line I found interesting : "The amount of the transaction does not affect the cost we incur so the charge remains constant' I actually had to read that a few times!

 

LBA going off on Monday.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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  • 1 month later...

No responses at all to my LBA, MCOL being issued next week for £390 plus interest which puts it to around £600.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Refunded in full today without the need for MCOL :) :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Well done Dolly - great news! :D

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Thanks all - must admit I was a bit surprised myself when I opened the letter. What I saw first was the ombudsman leaflet, thought 'aaahh well', opened it up and saw a cheque and acceptance form! It's apparently because we are longstanding members of the Halifax....pmsl. Not had anything to do with them for years!

 

Hope my ERC claim is as easy!!

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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