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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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LTSB Account closed


sempei
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Hi all, it's been a while since my last post :rolleyes:

Well, my personal account has gone over the overdarft limit, I asked LTSB to increase it, which was refused. Since then it's got worse, I have just worked out the charges over £4K in 15 months. Prelim letter sent today to claim these back.

Well, I also have (had) a business account with them which has never been in arrears or even close. This week I went online to check the balance and was denied access, the following day I called the business centre and was told I had been informed in writing (nothing received) that they had closed my account and that if I had a complaint to put it in writing and he hung up !!!

i have written a 3 page statement of events and took into my local branch to be forwarded to the ilusive complaints dept..... I have given them 14 days to respond before I send a copy to the FOS etc.

 

Can they just close my account which has been in credit since opening and without any 'issues'

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Guest Old_andrew2018

They seem to think they can, however any reasonable person would view this a retaliation by LTSB,

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I know a little late, but do not maintain your personal and business accounts at the same bank, keeps temptation away from the bank, like offsetting a business overdraft against a personal account, your example etc.

 

By all means complain to the FOS etc.

 

I know with personal accounts the banks can close at will, so long as they give you 30 days notice, not sure with business accounts though.

If I have been helpful please click on my star and add a comment.

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I'd agree on keeping business account at a separate bank wherever possible. Had a new venture a while back that didn't all go to plan, although it didn't have any debt. Made it hell to get anything done with my personal account though - even ordering a new debit card because the old one was damaged had to go through the business account managers :S

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Hi, I know it's too late now lol :D

I went to the NatWest Monday 18th to open a new business account and it was declined !!!! Hmmm, the business manager was quite apologetic and I filled out a manual form for a basic business account without O/draft facilities, which is what I wanted anyway. She said she would know probably Weds 20th if it was ok.

I wonder if LTSB has done something to my credit file, I hope that the basic account is opened or I am not sure what else I can do....?

Edited by sempei
mis typed
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ok, got the basic business account open today - Yeah, thanks to Natwest. Also received another letter today, sorry to hear you are unhappy etc from LTSB we will respond within 4 weeks etc.

Do I stick with the timescale in my complaint letter ie 14 days before sending that and follow up letters to the financial ombudsman service, is this deemed as a reasonable amount of time ?:confused:

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Hi Sempie,

as far as I know you have to wait until you get the final responce letter from Lloyds before you can take your case to the FOS

having said that I do believe that The FSA take retaliatory measures very seriously.

make sure you keep a record of any calls you make or receive, take the name of the person you talk to and note the date and time of the call.

If you don't get a satifactory responce then contact the FOS and FSA with as much detail as possible and include copies of any letters that you write or receive

Good luck with this

Shooter x

ps. Buisness accounts are not covered by the test case!

[sIGPIC][/sIGPIC]

 

:)Surely life can't get any worse it has to only get better from hear on out:)

 

LTSB- My claim like thousands of others is Stayed

Cap 1-See my tread about that one

Barclaycard- Won before court stage

GE capital -2 accounts and LTSB card letter asking for refund stage (Waiting for out come of the above to carry on with these ones )

Sars sent for all my mums accounts

About to start PPI claims on My Mums accounts

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Kinc - They did not transfer funds between the accounts. I did not receive anything in writing before they closed the account, I only found out by calling them, he did state that they had written to me, which I have not received or I would have put measures in place to prevent any loss of business.

I have received a ' we have closed your account' and attached is a cheque for the balance £***.**

I have also had five letters refering to my personal account ranging from you have an agreed overdraft for £1000 and £4300 written on the same day also one stating that I cannot use the account (already given the card and cheque book back) and an Enforcement notice telling me that I need to pay back the full amount!!! Do they know what they are doing ??:rolleyes:

I have received two 'sorry your not happy' letters as I took a 3 page complaint letter into my local branch, they posted it to Birmingham as they didn't have a fax number for them.... I received one letter from Birmingham stating they sent it to Andover as they specialise in cases like mine?!!?:D and received one today from -Bristol (not Andover)

I have kept copies of all these which already fill a plastic wallet.

The 'voicing your concerns' letter allows them 8 weeks to respond, I want this sorted and don't really see why I should wait.....

They are also charging me £60+ a month in interest against the personal account payment plan, I have read on this site that someone had a plan put in place where they froze the interest....

 

Anyone else had this ? I would want this as part of a remedy. What sort of response do you think I will get from my complaint.??

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Hi sempei

 

Kinc - They did not transfer funds between the accounts. I did not receive anything in writing before they closed the account, I only found out by calling them, he did state that they had written to me, which I have not received or I would have put measures in place to prevent any loss of business.

I have received a ' we have closed your account' and attached is a cheque for the balance £***.**

I have also had five letters refering to my personal account ranging from you have an agreed overdraft for £1000 and £4300 written on the same day also one stating that I cannot use the account (already given the card and cheque book back) and an Enforcement notice telling me that I need to pay back the full amount!!! Do they know what they are doing ??:rolleyes:

I have received two 'sorry your not happy' letters as I took a 3 page complaint letter into my local branch, they posted it to Birmingham as they didn't have a fax number for them.... I received one letter from Birmingham stating they sent it to Andover as they specialise in cases like mine?!!?:D and received one today from -Bristol (not Andover)

I have kept copies of all these which already fill a plastic wallet.

The 'voicing your concerns' letter allows them 8 weeks to respond, I want this sorted and don't really see why I should wait.....

They are also charging me £60+ a month in interest against the personal account payment plan, I have read on this site that someone had a plan put in place where they froze the interest....

That would be me!!

 

Anyone else had this ? I would want this as part of a remedy. What sort of response do you think I will get from my complaint.??

 

Personally I would now write to

 

Jon Bundy

Customer Service Recovery Centre

Queen's Rd Quadrant

4th Floor

BRIGHTON

BN1 3XJ

 

He's the one that helped me

 

See My thread here,

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/114478-belville-lloyds.html

 

if you want any help just post and help will be along

 

belville x

Edited by Belville

[sIGPIC][/sIGPIC]

 

:)Surely life can't get any worse it has to only get better from hear on out:)

 

LTSB- My claim like thousands of others is Stayed

Cap 1-See my tread about that one

Barclaycard- Won before court stage

GE capital -2 accounts and LTSB card letter asking for refund stage (Waiting for out come of the above to carry on with these ones )

Sars sent for all my mums accounts

About to start PPI claims on My Mums accounts

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Thanks Belville;), I have been reading your thread over the past few weeks with interest. My Son is also ill and we have to drive a 120 mile round trip every week for treatment. I have also added this into my complaint letter. keeping my fingers crossed.

Sempei

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Sempei please feel free to pm me if you need a shoulder.

Are you on benefits cause if so are you receiving your fares back from your hospital trips?

(((hugs)))

belville xx

[sIGPIC][/sIGPIC]

 

:)Surely life can't get any worse it has to only get better from hear on out:)

 

LTSB- My claim like thousands of others is Stayed

Cap 1-See my tread about that one

Barclaycard- Won before court stage

GE capital -2 accounts and LTSB card letter asking for refund stage (Waiting for out come of the above to carry on with these ones )

Sars sent for all my mums accounts

About to start PPI claims on My Mums accounts

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Hey Belville appreciate the offer:wink:, we only have family tax credit, I have been looking online about refunding of transport costs via NHS and DSS etc but it's not too clear.

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  • 3 weeks later...

Hiya,

 

Ok, update. I have received a letter the end of last week stating that Customer service recovery- Andover had received my complaint and if it was about bank charges- read on, it went to mention the OFT test case etc. If not and it was due to another issue please let us know !!!

I called the number and got an answer phone, left a very curt meassage stating that had they read my letter, they would have known what the complaint was about etc.....

Received a call Monday from Andover, explained the history etc and she appologised and put me on hold, when she came back she stated that I could in fact log the complaint over the phone and gave me a telephone number, I called and left a message. Received a call back today Tues from a company, they went on to say that I had left a message on their answerphone etc and it was in fact the wrong number. I have checked the number I was given and it matches the one I called!!!

 

The only thing I can think is that Birmingham sent it to two centres, Andover for the charges, Bristol for the complaint about the account closure. I really don't know what's going on now, LTSB has really confused me :confused::confused:

Is it worth ssending the FOS complaint form with supporting letters yet ??

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  • 2 weeks later...
Hey Belville appreciate the offer:wink:, we only have family tax credit, I have been looking online about refunding of transport costs via NHS and DSS etc but it's not too clear.

 

Ask the hospital for a form to claim back the transport fare. We have the same prob as we live in essex and travel to GOSH every 6 weeks. I can not for the life of me remember what the form was called but the hospital will be able to advise. There should be a office where you would ask for your fare back at the hospital. Go there, they will help.

 

Good luck

 

olives xx

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