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    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
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AdamandI Vs NatWest * * WON * *


adamandi
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I've kept relatively quiet on here whilst absorbing all the information and serving the banks with all the letters – But I thought you’d like to know that NatWest may be struggling to cope with the influx of refund requests…

 

I sent Natwest the first letter requesting a refund and they wrote straight back saying they'd "respond within three weeks" (which was one week longer than I had given), they also said they'd write if there was going to be a delay.

 

Their own deadline came and went and they didn't respond! So I wrote again (LBA), this time giving them 7 days to respond. I followed it up with a phone call to ask why they had breached their own deadline… they blamed workload.

 

7 days passed (today!) and this afternoon I got a call from a ‘customer services manager’ apologising profusely for the delay and informing me that STUART HIGLEY (lol) had written to me personally and it was in the first class post.

 

The guy on the phone was very pleasant and we had a long chat (without prejudice), he said that they had received ‘literally thousands’ of similar complaints and blamed the OFT’s statement for the rise adding that they had only commented on credit cards and not current accounts.

 

He later added that they were waiting to hear the OFT’s next statement and expected that they would lay down new guidelines on future charges

And veto claims on old charges.

 

He also said that the letter headed my way was probably not what I wanted to hear but that it would “allow me to take it to the next stage”. I joked that we both new what each other's next 4 moves would be... he just laughed and reiterated that the letter was on it's way... An admission perhaps?!

 

By the way... with interest they owe me £3263.21 (all from University) Money Claim ALL DONE! I still bank with them too.

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Hi and welcome, you seem well clued up as to what to do ...which is good ....keep us informed of your progress. One thing to remember though it is your claim and you dictate the time schedule not them, as a cautionary note I would open another account with a different bank just in case they decide they are going to close this one

 

Mechs

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I've just read a few postings about the state of the envelope that NW bank statements arrive in. Mine too were re-packed by Royal Mail after arriving in a cheap (torn) and unsuitable brown envelope!

 

Surely they're not so desperate that they have to tear the envelopes in the hope it'll come apart in the post and delay your claim?

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Your joking, I would like to get information from the bank on security of sent items in the post and if they are leaking in the mail would persue if this was a breech at their end if the envolope was unsuitable as it is OUR PERSONAL information in the post leaking! Keep us updated.

Oli

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I have my 'personal letter' from Stuart Higley... It's basically a personalised paragraph apologising for the delay and then all the standard stuff about the charges being completely legit and that they won't refund. Plus 'they do not accept' the OFT's findings and make it clear that they were referring to credit cards, not current accounts...

 

I wrote back to Mr Higley today:

 

Dear Mr Higley...

 

...Thank you for you letter of 10 July. I appreciate that you have had to do some extra investigation into the particulars of my complaint, but your complaints procedure (and your letter of 16 June) clearly state in that instance you should have written to me by 30 June to explain the delay.

 

In response to your comments regarding the OFT’s statement; As I understand, it isn’t relevant whether you accept their statement or not. It would be naïve to assume that by using credit cards as an example the OFT weren’t planning a blanket policy on punitive charges across all financial products and services.

 

I think the future of their findings and recommendations is easy to predict and I imagine your standard letter template is simply an attempt to deter claimants from taking their cases further.

 

I have made all reasonable attempts to settle my claim for the unfair charges to my account with you directly. It is with regret that, further to your refusal to refund them, I confirm my court claim has been submitted and served to your registered office...

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Sounds great ! - Keep us posted :D

 

Embleton

Parachute Deployed !!! :-D

Data Protection sent to Barclays - 04/07/06

Reply from Pete Townsend - 06/07/06

Statements received - 12/08/06 - Claiming £200

Prliminary Letter sent 27/09/06

Reply from Martin Bennett 03/10/06

LBA sent 16/10/06

Partial settlement offered 25/10/06

MCOL Claim 04/11/06

 

OH NatWest Credit Card - Paid in full

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I personally wouldn't send the letter , if you are still going to I would take this part out ' As I understand,' as it comes across as your not quite sure , when in fact you are .:D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 4 weeks later...

*Update*

 

Cobbetts have filed a defence with 7 hours to go! Boooo

 

I'm quite looking forward to going to court though.

 

Does anyone know how long it takes to get a court date? and how far in the future they tend to be?

 

...Adamandi

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*Update*

 

Recieved defence from Cobbetts and Allocation Questionnaire from the court...

 

The Cobbetts document is about 8 pages long, with a CPR Part 18 request. Sounds similar to the response everone else has been getting. They said I haven't supplied details of the accounts and that made the claim invalid or something. Frequent use of 'without prejudice' too.

 

Do they think we're all stupid?

 

...Here we go!

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  • 2 weeks later...

I spoke to Stuart Higley on the phone today... I don't know if that is normal.

I called the Borehamwood call centre and asked for him... they just put me straight through.

I have to say, he's a thoroughly nice guy!

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  • 2 weeks later...

So you have won?

 

CONGRATULATIONS!!

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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NO!!!

I haven't won.

They have refunded the charges OUTSIDE the parameters of my MCOL claim... I'm still waiting on the county court (who have had both allocation questionnaires for nearly two weeks.)

How weird is that? has anyone else had that?

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  • 2 months later...
:cool: Cool.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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CONGRATULATIONS:)

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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I am in the process of giving NatWest 7 days to pay up or put in a court claim, I have had an offer but told them it was not enough, Anyway my point is taking one of the posts writted here about the way Natwest send out the statements. I originally applied for details of 6 years charges on two accounts, I recieved half the statements for one account in a battered envelope which had been repacked by the post office in a clear plastic envelope. the next half came in another torn brown envelope with everything hanging out and as the post man handed them to me he said that "I should sue Natwest for breech of privacy as anyone could have read these". The second account statements came in one envelope which was also damaged and had again been repacked by the post office. I wonder if there is a breech of the privacy laws here as the banks make a big thing of taking care with your account numbers etc but in my three cases anyone could have read my account details between the bank and my home address. I would have thought that a stronger padded envelope would have been more the thing also a compliment slip would have been more proffessional.

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