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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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CCA received from Lloyds TSB


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Hiya,

 

I asked for my CCA for a Lloyds TSB loan that I took out in 2002. My original request went to Apex in March, so it's only taken them 6 months! At least Apex closed their file on me though :)

 

I noticed in the t&c's on page 2 (at the bottom) it says about charging £25 for each letter they send me if I fall behind with my payments. Ashamedly, I have a stack of them (and that's just the ones I kept.) Are these included in the reclaiming bank charges? If they are I'm going to have to do some reading lol.

 

I have already sent a S.A.R - (Subject Access Request) to Lloyds TSB, which they received on 3rd September. Lloyds closed my current account and my savings account in February this year - I only found out when I went to pay some money into my current account (towards my overdraft.) They still haven't wrote to me about this so I don't know how I'm meant to be paying that off? I'm not sure if they have lumped my loan and overdraft together - this should show up on the S.A.R - (Subject Access Request) shouldn't it?

 

I did claim on the PPI when I had to leave work due to illness, but was already well behind on the loan by then, and now that the loan should have finished in June, it's not paying anymore.

 

Anyway, CCA received today - I hope I've attached it right and it can be read. *crosses fingers*

 

Any advice welcomed, but from what I've read on this brilliant site, it seems to have all them prescribed term thingies.

 

Sue

 

Edit: I need to have made 5 posts to post a link - which is a bit weird because I've done it before with a Cahoot CCA??? Will reply to myself and post links.

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Meant to ask the same question myself. It does seem that the central points are there (mine dates a year later, but has a much higher APR), but shouldn't the T&Cs be limited to the same page as the signatures?

 

However, the 'Customer Copy' I got at the time doesn't have the signature on it. Also, if PPI is a factor, was there not a separate document for that? Mine has my signature of there, but the vendor completed the name and date sections (mis-spelling my name in the process).

 

So, I'm trying to find faults with mine.

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I think they are the business suz7. But all is not lost if you have been showered with charges. You need to send them a SAR covering all the accounts you hold (or held!) with them and that should help you work out the charges, not forgetting that you will have been charged interest on those charges as well.

  • Haha 1

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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If it's a question of charges reclaiming, then all I can say, is that Lloyds' position on this can be best described as 'inflexible'.

 

It'll be a question of filing a court claim for refund of the charges - attempting to resolve it between yourself and Lloyds will lead nowhere. I do speak from personal experience on this one.

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We have an account with LTSB (or rather Halifax Building Society Bank of Scotland Lloyds Trustee Savings Bank etc) where the overdraft is less than the charges we have reclaimed. They are ignoring us/we are ignoring them.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I detect some very annoyed ex-HBOS customers on the horizon. If they thought their dealings with HBOS were problematic, then the holiday is truly over. Never have I dealt with a company as truly disorganised and shambolic as Lloyds - and I've worked for some truly awful companies.

 

Still, all good for very annoyed ex-LTSB customers...

 

Oh, how I can't wait for the tidal wave of negative opinion against LTSB - not that there isn't one now.

 

Back to the topic in hand though - I'll have to go through that Lloyds agreement with a fine tooth comb, thought the points I made above were all I've found thus far, and that was just with a casual glance. I think LTSB agreements do deserve greater discussion - many posters have had problems with them in one way or another.

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Meant to ask the same question myself. It does seem that the central points are there (mine dates a year later, but has a much higher APR), but shouldn't the T&Cs be limited to the same page as the signatures?

 

However, the 'Customer Copy' I got at the time doesn't have the signature on it. Also, if PPI is a factor, was there not a separate document for that? Mine has my signature of there, but the vendor completed the name and date sections (mis-spelling my name in the process).

 

So, I'm trying to find faults with mine.

 

Re: the APR - I got some discount because I had a gold account lol

 

I've also read that the T&C's should be on the same page as the signatures, but I've also heard the phrase 'within the four corners' of the document. My 3 pages all have a date and time stamp at the top and have consecutive numbers on them, so I'm not sure if that links them all to 'within the four corners.' I can't see how they could get all them tiny T&C's on one page!

 

I've already sent my SAR so will see what they come up with on that.

 

Good luck with yours! My name and address are typed on mine - how come your's are hand-written?

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I think they are the business suz7. But all is not lost if you have been showered with charges. You need to send them a S.A.R - (Subject Access Request) covering all the accounts you hold (or held!) with them and that should help you work out the charges, not forgetting that you will have been charged interest on those charges as well.

 

Ta Goldlady, I've already sent the SAR (they received it on 3rd September). I was getting impatient with not receiving the CCA! There does seem to be alot of ignoring going on between me and TSB too - they're doing better than me though lol.

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Back to the topic in hand though - I'll have to go through that Lloyds agreement with a fine tooth comb, thought the points I made above were all I've found thus far, and that was just with a casual glance. I think LTSB agreements do deserve greater discussion - many posters have had problems with them in one way or another.

 

Thanks for the info F_DCAs, I won't bother trying to sort out any charges with Lloyds then!

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As regards the Optional Loan Protection document, all the fill-in boxes on the sheet are hand written by them and not me. My name is definitely mis-spelled on this. The signature also doesn't look right.

It is not unheard of for them to compile a CCA , photo copying your signature on to a document . But only way to test it is in court where the Judge may rule the Original must be produced .

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