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    • 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
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Katiekats vs Natwest


katiekats
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Early days yet, got my S.A.R - (Subject Access Request) late last year as had every intention of doing it straight away but it was all a bit too much to take in so I have got all up to date statements and sent prelim letter today asking for the last six years of charges which is just under £3000. Took me a while to put them all onto spreadsheet but found it really easy to use and much simpler process than I thought. I know this is not going to be an easy one from the previous threads I have read but I feel much better now I have took the first step.

 

Capstone - Prelim letter sent 12/05/2008

 

BANKOFSCOTLANDCREDITCARD - Prelim letter sent 13/05/2008

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  • 2 weeks later...

received letter this morning from them stating that they beleive the charges to be fair, transparent and lawful in the next paragragh they go on to say that they are involved in legal proceedings which they beleive will resolve the fairness and legality of bank charges...hmmm

LBA is due to be sent on 3/6/08 so will get that ready for sending, I pressume I am not going to get any reply from them now and my case will probably be stayed but at least it will be there.

 

For anyone browsing, if I get any charges in the future what is the best course of action?

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Hi KK

 

The letter from NW is exactly the same as everyone else gets. Send your LBA when you said you would. Yes your claim will be stayed.

 

For future charges, make sure you keep your statements and then start a new claim later. Having said that, any charges since your prelim can be included in the LBA and, any after, in your court claim. It's only after that that you need to keep them for another claim.

 

 

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  • 2 weeks later...

Thanks for that Steven, didn't know I could add to it further.

Another piece of advice from anyone if possible, I have sent my LBA including the hardship paragraph, I can prove this easily with my outgoings my concern is what they have wrote at the bottom of the letter, can they actually still close these accounts, I was under the impression that they were now not allowed to, when they pay (positive thinking) there will be no debt, there will be a credit to myself. I would rather not open a new bank account move direct debits etc, so if there is anything I can write in reply to their threat and send it back with the financial statement that would be a great help

 

09/06/2008

 

Dear XXXXX

We acknowledge receipt of your complaint about bank charges. We believe that your complaint concerns the level, fairness or lawfulness of the charges.

It would be our normal approach to resolve your complaint through our internal complaints process as quickly as possible. However, the bank (along with a number of other banks) has now become involved in legal proceedings with the Office of Fair Trading ("OFT") in relation to personal current account charges which will resolve the legal issues regarding the fairness and legality of your bank charges. This has become known as "the test case".

Until the determination of the legal issues in the test case, we have asked the Financial Services Authority ("FSA") to suspend the normal timetable for dealing with bank charges complaints, and the FSA has agreed to this request subject to conditions that protect your rights.

However, we note that you have also indicated that you consider yourself to be in a position of financial hardship. In order for us to understand and review the full extent of your financial position, please complete, sign and return the attached "Customer Financial Statement Form" together with an explanation of the circumstances leading to your inability to meet your commitments.

Following the receipt of a signed and completed form, we will review your overall financial position. If we determine that your case can be considered as financial hardship we will take it forward in line with our Hardship policy. This aims to help you avoid further debt and to assist you recover from your hardship. In doing so we will review your existing banking facilities which may involve:-

Opening a new account or changing your account to a type with no lending facilities attached

Cancellation of non-essential Direct Debits and Standing Orders on your account - essential

Direct Debits and Standing Orders can be reset up on the new account if necessary (eg

mortgage, rent, council tax, utility bills etc)

Return and cancellation of cheque guarantee cards/Switch cards - a Cash card can be issued on

the new account

Return and cancellation of cheque books

Income to be diverted to any new accounts opened

A mutually agreed monthly sum would be set up on a standing order from the new account to any

debt on the existing account.

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  • 6 months later...

Opened new account today going after Natwest via Hardship route..they can take my debit cards as I have now moved all wages into another acoount. Lets see how this goes then..easy to let things slip

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