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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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Pompeyfaith v Co-op PPI


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Jonny thanks for that although im not sure if it applies because although many of the agreements ive had with the co-op bank are un-enforceable the current one is.

 

The reason the account is in dispute is because i have an ongoing PPI claim that is in the hands of the FOS and as my claim is for some £20,700 and the current Loan is £6,500 they can swing.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Today i recieved in a pretty bright yellow envelope with scruffy writing a card from the co-op bank saying that someone from POWER 2 CONTACT LOL HEHE will visit my home address

 

Unbelieveable

 

Im livid time to give them a call

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Jonny thanks for that although im not sure if it applies because although many of the agreements ive had with the co-op bank are un-enforceable the current one is.

 

The reason the account is in dispute is because i have an ongoing PPI claim that is in the hands of the FOS and as my claim is for some £20,700 and the current Loan is £6,500 they can swing.

 

Regards

 

Pompeyfaith

 

Sorry PF - I didn't mean to leave that bit in about the unenforceable agreement - that was part of the original letter .... but there are many other reasons for an account being 'In Dispute ' and I thought maybe your situation was one of them... therefore these criteria would still apply... :-)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Ok I've just had a heated chat with someone from the collections department at the Co-op bank and i cant believe that the right arm does not talk to the left as he says that they have no record of any of my letters sent to them when i sent them to the same post code.

 

All he went over and over was the fact my current account is £180 over the agreed overdraft and my answer was always well if you take the £380 in unfair charges of that my balance would be within my agreed overdraft lol

 

I also stated the account is in dispute because of this and it states on your website the following:

 

As previously agreed with the FSA and the Financial Ombudsman Service, customer complaints relating to unarranged overdraft charges will currently remain on hold. The Banks and the building society will continue to ask County and Sheriff Courts to keep cases relating to unarranged overdraft charges on hold until the test case process is concluded.

 

Having a cup of tea now to calm my nerves he rang at the right time as i was livid anyway due to a pretty yellow envelope arriving though the door this morning with a calling card inside.

 

The war has started and it aint gona finish until ive won any other Creditors wana ring while im in the mood lol.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Update

 

Hiya All,

 

Still getting letters another one arrived though the post this morning, so i decided to telephone the FOS they said they cannot get involved in cases of harassment that they are investigating but because of my medical condition they will fast track my ppi complaint.

 

They also advised that i call the OFT regarding harassment.

 

No within an hours i got an email from the FOS saying my complaint has now been past to an adjudicator.:)

 

I phoned the OFT and got straight though and outlined my complaint i have going with the FOS and that they advise that i contact you regarding the harassment.

 

Very nice polite chap he was he said because of the fact i have a medical condition inc hypertension and that i had been to see my GP this morning who put me on Ramipril 2.5 mg to bring my blood pressure down he will investigate this complaint with urgency and pass it on also to my local trading standards agency also.

 

Things are now looking up.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Fantastic news PF!! I hope this is resolved very soon. And I hope the idiots harrassing you get their come uppance.

(idiots was a safe word to use or I could be in trouble if I put what I really meant;))

Any opinion I give is my own and given without

any liability.

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Thank you pinknico,

 

I too am hoping for some good news to come though the door for a change top dollar to the OFT.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hello PF,

 

Update

 

Hiya All,

 

Still getting letters another one arrived though the post this morning, so i decided to telephone the FOS they said they cannot get involved in cases of harassment that they are investigating but because of my medical condition they will fast track my ppi complaint.

 

They also advised that i call the OFT regarding harassment.

 

No within an hours i got an email from the FOS saying my complaint has now been past to an adjudicator.:-)

 

I phoned the OFT and got straight though and outlined my complaint i have going with the FOS and that they advise that i contact you regarding the harassment.

 

Very nice polite chap he was he said because of the fact i have a medical condition inc hypertension and that i had been to see my GP this morning who put me on Ramipril 2.5 mg to bring my blood pressure down he will investigate this complaint with urgency and pass it on also to my local trading standards agency also.

 

Things are now looking up.

 

Regards

 

Pompeyfaith

 

Great bit of news. You are on your way. Adjudicators are pretty helpful just got to make sure they have the full story. Medical conditions are something these banks do not take into consideration. To them it is all electronic.

 

DD not paid......charge

Unpaid cheque..........charge

Unauthorised overdraft..............Charge.

 

How about this for an eye opener.

 

My dad 86 blind and partially deaf decided to give cash gifts for Christmas.

Now he has two accounts with a bank a savings account with cash in and a current account with a little cash in to cover direct debits like coucil tax.

 

So my dad writes cheques on his current account to the family and yes insufficiant funds in that account to cover the cheques but he was aware he had funds in the bank to pay the cash.

 

So the bank do the following and I understand it is all electronic and they will look at the particular account and not compare with other accounts held by the same person.

 

Account 1 with limited funds

the cheque for £500.00 an unathorised overdraft is put into force letter sent out

Cost of letter £35.00

Cost of unauthorised overdraft £28.00

 

Account 1 with limited funds Cheque for £1,000 cheque is referred to drawer cost of letter £35.00

so for a genuine mistake for a blind deaf man aged 86 on pension the cost was going to be £98.00 when he had funds in account 2 savings which easily covered this.

 

I saw the bank staff and the charges were withdrawn cash transferred to cover the cheques and it was sorted withinh 30 mins thanks to understanding staff.

 

Point is how much of this is going on where people are not standing up or getting help.

 

The electronic system does not work as can be seen from the forums on CAG

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hiya Alan thanks for dropping by that is unbelievable in the real world glad u got it sorted for him also fantastic that your complaints are going well.

 

Regards

 

Pompeyfaith

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Had a peaceful day today no letters though the post or Phone calls very strange they usually Phone every day.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Update

 

Hiya All,

 

Still getting letters another one arrived though the post this morning, so i decided to telephone the FOS they said they cannot get involved in cases of harassment that they are investigating but because of my medical condition they will fast track my ppi complaint.

 

They also advised that i call the OFT regarding harassment.

 

No within an hours i got an email from the FOS saying my complaint has now been past to an adjudicator.:)

 

I phoned the OFT and got straight though and outlined my complaint i have going with the FOS and that they advise that i contact you regarding the harassment.

 

Very nice polite chap he was he said because of the fact i have a medical condition inc hypertension and that i had been to see my GP this morning who put me on Ramipril 2.5 mg to bring my blood pressure down he will investigate this complaint with urgency and pass it on also to my local trading standards agency also.

 

Things are now looking up.

 

Regards

 

Pompeyfaith

So pleased for you Pompeyfaith. Its such good news...:)

 

I also have hypertension. Its amazing how much these things affect us. I have had another eye bleed this weekend. Try to let the adjudicator deal with it now and take a breather. Its not worth your life.

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Hiya Marshallka

 

Thanks for dropping by and your words of encouragement as you can see i did as you said on the moneysavingexpert site.

 

I also went to see my doctor who gave me some ramipril 2.5 mg tabs which i must say are good i feel a lot more relaxed now must of been the high blood pressure.

 

Im glad i got those as im due in court on the 15th of this month re: MBNA

do not worry though i have that in order as they have no original agreement and the default they served is un-enforceable plus the judge turned down Optimas n244 for summery judgement.

 

The OFT are investigating my complaint of harrassment and also letting my local trading standards know.

 

As for my Complaint regarding PPI that is with the FOS they are now fast tracking it due to my medical history thanks for that tip.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hiya Marshallka

 

Thanks for dropping by and your words of encouragement as you can see i did as you said on the moneysavingexpert site.

 

I also went to see my doctor who gave me some ramipril 2.5 mg tabs which i must say are good i feel a lot more relaxed now must of been the high blood pressure.

 

Im glad i got those as im due in court on the 15th of this month re: MBNA

do not worry though i have that in order as they have no original agreement and the default they served is un-enforceable plus the judge turned down Optimas n244 for summery judgement.

 

The OFT are investigating my complaint of harrassment and also letting my local trading standards know.

 

As for my Complaint regarding PPI that is with the FOS they are now fast tracking it due to my medical history thanks for that tip.

 

Regards

 

Pompeyfaith

I am just relieved that they have fast tracked this for you. Your body is asking you to relax and take it easy me thinks so try to listen. Any help we can give we will pompey. I am always over the road.;)

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So glad things are moving for you pompey...... hope you can get some peace now .... :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Yes i will be glad to see the back of this claim its been dragging on now since July 08 anyway i have told my wife if we are successful i will treat her to a weekend away somewhere before i start my next battle with Halifax.

 

Thank you both for dropping by it really is comfort knowing there are good people out there.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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UPDATE

 

Hiya All

 

I thought it was to good to be true lol, had another threat letter today and they have decided to start emailing me and the wife not sure where they got the email addresses from because i did not give them out to the bank ?

 

I also sent on friday all the letters i have sent to the bank because they said they have not recieved any mail from me ( load of bull) i sent them via special delivery cost me £5.05:mad: but worth it i think they signed for it today so at least i know they got there.

 

Still got a call this evening though will they not give up. I think i will now reply to there email then print it off.

 

Regards

 

Pompeyfaith

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Good with money - to help cut our CO2 emissions we've built the UK's largest solar power installation. The Co-operative Tower in Manchester is clad

with over 7,000 solar panels capable of saving 78 tonnes of Co2 each year - that is enough to fill over 5 million party balloons

 

Is this to ofset all the junk mail they send out every year lol

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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UPDATE

 

Hiya All

 

I thought it was to good to be true lol, had another threat letter today and they have decided to start emailing me and the wife not sure where they got the email addresses from because i did not give them out to the bank ?

 

I also sent on friday all the letters i have sent to the bank because they said they have not recieved any mail from me ( load of bull) i sent them via special delivery cost me £5.05:mad: but worth it i think they signed for it today so at least i know they got there.

 

Still got a call this evening though will they not give up. I think i will now reply to there email then print it off.

 

Regards

 

Pompeyfaith

 

Hello Pompy

 

I would be seriously asking them where they got your email address from????

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Just a thought pompey...... if you reply to their e-mail they may take it that you are accepting this method of communication and keep using it ...

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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that is a good point but as they already got my e-mail from somewhere they will use it anyway

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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that is a good point but as they already got my e-mail from somewhere they will use it anyway

 

And as hhnf says - when you write - ask them to explain how they got your e-mail address and who gave them permission to use it ....... :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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How about this for an eye opener.

 

My dad 86 blind and partially deaf decided to give cash gifts for Christmas.

Now he has two accounts with a bank a savings account with cash in and a current account with a little cash in to cover direct debits like coucil tax.

 

So my dad writes cheques on his current account to the family and yes insufficiant funds in that account to cover the cheques but he was aware he had funds in the bank to pay the cash.

 

So the bank do the following and I understand it is all electronic and they will look at the particular account and not compare with other accounts held by the same person.

 

Account 1 with limited funds

the cheque for £500.00 an unathorised overdraft is put into force letter sent out

Cost of letter £35.00

Cost of unauthorised overdraft £28.00

 

Account 1 with limited funds Cheque for £1,000 cheque is referred to drawer cost of letter £35.00

so for a genuine mistake for a blind deaf man aged 86 on pension the cost was going to be £98.00 when he had funds in account 2 savings which easily covered this.

 

I saw the bank staff and the charges were withdrawn cash transferred to cover the cheques and it was sorted withinh 30 mins thanks to understanding staff.

 

Point is how much of this is going on where people are not standing up or getting help.

 

The electronic system does not work as can be seen from the forums on CAG

 

aa

 

This was disgraceful aa.. especially as the banks are not above helping themselves to your cash to offset debt repayments when it suits them. I am pleased you got it sorted out.

 

Pompey, Do you have internet banking? this is where MBNA got my email address from. As a rule I would not have signed up to internet banking for a credit card, however I wanted information regarding a points system MBNA had offered and wanted to swap them for a Tesco Voucher. Even though I never used their system again, they still of course had my email address. I have since marked their email address as SPAM so if they are still sending me emails, I dont get them:D

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4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hiya All,

 

Right after giving it a few hours thought, ive decided to blow a big hole in the co-op banks butt and expose them for a change to the sunday times in response to there constant harassment and perhaps get PPI a bit more expossure.

 

They asking for people with medical conditions so i think i qualify there.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hee -Hee ! They picked on the wrong one when they picked on you Pompey ----- :eek::cool:

 

Keep us posted on progress please ..... the more publicity this practice gets.. the better it'll be for those who have bee stung! :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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They sure have Johnny i don't lay down easy you know and what goes around comes around there just reward for the harassment.

 

Besides i got ****ed off in court today:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/151709-help-15.html

 

Regards

 

Pompeyfaith

 

and you are right the more exposure the better this is a bigger issue than endowments

 

WOW just noticed this post has taken me to Platinum

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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