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    • My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA.  I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPCM to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and it is unfair to misguide motorists. I await your  response which I understand will usually be within a week.
    • It probably deletes after a certain time. What a shame you did not check at the time. However I have no doubt that there was a PCN envelope under your windscreen wiper  as shown quite clearly on one of the photographs. . It would seem strange that it was placed there empty hence the reason I stated a second Notice was issued [though not necessarily sent. As I said in that letter to IPC that was not what the complaint was about and probably  IPC will ask about that at the same time if they accept you  going direct to IPC for the other matter. It is immaterial how many original PCNs were issued or not issued. You are able to show the two that you have from their sar one of which coincides with the one you received in the post and that is the one that does not agree with the date times of PoFA. Thus breaching not only the Act, but also the IPC  Code of Conduct and the ability of UKPCM to obtain data from the DVLA. So leave that part of the letter as good to go. However as it is as Dave [Thank you Dave!} pointed out that it is UKPCM and not UKPCI have amended the letter and posted it below.
    • Its based on 10% annual depreciation, divided by 52 weeks and then x the excess number of weeks that they have had the vehicle for, after the agreed initial 3 week repair.
    • LOL LOL LOL Don't need that many to deport a handful of volunteers - at best Home Office department processing Rwanda deportations told to cut jobs Exclusive: Illegal Migration Operations Command freezes recruitment and draws up redundancy plans, leaked documents show Cant have hundreds of well paid people in a department deporting a single volunteer when we have an upcoming election to lose now can we - VIPal drenched in riches and departments full of pals well paid for doing nowt will 'sadly soon be history - was rumored to in a text from a soon to be ex-minister texting in from one of his main jobs in a number of industries he will soon be unable to help.   Home Office department processing Rwanda deportations told to cut jobs | Immigration and asylum | The Guardian WWW.THEGUARDIAN.COM Exclusive: Illegal Migration Operations Command freezes recruitment and draws up redundancy plans, leaked documents show  
    • try it.... use recuva or file scavenger or glary utils
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Jadest v's lloyds


jadest
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Think yourself lucky - my LTSB case is stayed untill March next year!! Doing my best to get it lifted though.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Unfortunately its been stayed (suspended) by the court pending the outcome of the test cases that are due to be heard in the Mercentile court. The idea is that a test case will set a precidant for all the other simular bank charges cases - in other words it'll sort the issue out once and for all. The courts are being completely clogged up with all the bank charges cases lately so you can see why they're doing it, but unfortunately there is very little chance of the banks actually showing up - they will more than likely settle before the trial can take place, as they always do. Even more so becouse the test cases will be in the multi-track and they would have to disclose sensitive information about their charging systems. How they're allowed to abuse the court system like this I'll never know.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hiyall,

If a case gets resolved through the mercantile court, ending up in decision say, similar to the credit card situation where the recommendation was for a max charge of £12, would that mean that we would all be limited to claiming back each of the charges minus that amount? I hope my question makes sense...

Bye for now,

Cat

29 March 2006 Data Protection Act Request sent for ac 1 (then she got a bit distracted but got another charge so...)

27 May Prelim letter sent for ac 1

27 May Data Protection Act Request sent for ac 2 & 3

21 June Prelim Letter sent for 2 & 3

14 July LBA sent with schedule for ac 1 & 2 & 3

7 August MCO filed – defence expected 10 September

11 September defence filed - signed Sean Copping

12 September AQ form received

18th September AQ sent back to Lambeth Court and copy sent to solicitors both recorded delivery

13th Feb 2007 Court Date Set

15th Feb Reclaimed Money is in my bank Account

 

Cat's opinions are those of a nurse and most definitely, definitely not those of an accountant or solicitor, although she was always quite good at sums and elocution.

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no, iv read this before somewhere.....its to do with them originally charging £30 plus pounds in the first place , and not being able to justify ANY of it, therefore you can legally claim it ALL back. the new charges i think are now classed as "fair" and therefore dont have to be justified.

it was something like that anyway.

on and on it goes!!!........:???:

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Hi Cat,

 

No, I doubt it. That was the OFT ruling and it was a bit of a fudge. They still said that £12 was likely to be unlawful. If the case was ever heard (v. unlikely IMHO) and the banks lost, they would only then be able to charge a genuine pre-estimate of their actual loss, ie, however much it costs for the postage of a letter and maybe a proportionate allowance for the maintainance of their computor systems. I would say they're actual costs could be no more than £2.50.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi Jadest,

 

Thats good news with the phone call. Hope they keep to their word now!

 

I'm at a similar point in that got my AQ in on Monday and received a copy from SCM today.

 

On their AQ did they put they intended to call any witnesses? On the one I received they have put '1' but it seems strange for them to put that if they plan to negotiate?

 

Matt

11/07/2006 - First request sent

21/07/2006 - Standard 'sod off' reply from Lloyds TSB

25/07/2006 - Letter before action sent

01/08/2006 - Second standard 'sod off' reply from Lloyds TSB

03/08/2006 - Claim started through moneyclaim for sum of £1756.26

04/08/2006 - Claim issued by moneyclaim

09/08/2006 - Claim served by moneyclaim

06/09/2006 - Defence entered

25/09/2006 - AQ returned (no Lloyds AQ yet)

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On their AQ did they put they intended to call any witnesses? On the one I received they have put '1' but it seems strange for them to put that if they plan to negotiate?

 

Probably scare tectics, designed to make you go weak at the knees and faint at the prospect of facing a WITNESS:eek: in court!

 

Why not ask them for the name of the witness, profession, employer and area of speciality?:D

 

Elsinore

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Yeah, they put that on every A/Q. I wonder if its the same witness:confused:!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Yes mine said one witness too... I think it has to scare tactics but I will contact them again, on Monday, to ask who the witness is, profession etc.

When they tell me I will post it on here!:)

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Hi all,

I called court today they said that the case has been allicated through small claims track and I will here from them soom re: court date. I then called SC&M and surprise surprise they have still not had any intructions from LloydsTSB. I guess I will here nothing till I get court date or until court date is approaching.

this prossess is so long and drawn out... and in the mean time lloyds are calling me every day for the £200 that I am overdrwn due to the charges they took out this month.

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Has any-one who had to return there allication questionnaire around the 20th Sept had a court date or heard from SC&M about a settlement? I am so fed up of there delaying techneques surely the court should be able to do something about this. Can any-one suggest a way to speed Lloyds up?

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Hi Jadest

 

I know its frustrating, but I don't think there's really much you can do to hurry things up unfortunately. Just sit tight and try to be patient. The good thing is that you have at least got a court date - many cases are being stayed at the moment.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hold on in there Jadest...can't be long now. I'll keep an eye on how you're doing

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Hi Jadest, Just to let let you know I'm still here but have very very reduced access to computer so I will catch up from time to time.

Cat

29 March 2006 Data Protection Act Request sent for ac 1 (then she got a bit distracted but got another charge so...)

27 May Prelim letter sent for ac 1

27 May Data Protection Act Request sent for ac 2 & 3

21 June Prelim Letter sent for 2 & 3

14 July LBA sent with schedule for ac 1 & 2 & 3

7 August MCO filed – defence expected 10 September

11 September defence filed - signed Sean Copping

12 September AQ form received

18th September AQ sent back to Lambeth Court and copy sent to solicitors both recorded delivery

13th Feb 2007 Court Date Set

15th Feb Reclaimed Money is in my bank Account

 

Cat's opinions are those of a nurse and most definitely, definitely not those of an accountant or solicitor, although she was always quite good at sums and elocution.

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Thank you all. I am trying my best to stay patient but Loyds are calling me every day over £197 that they took out is charges this month and has made me over drawn... I moved all my payments to another account as I could not afford the charges and to pay all my bills... so now the overdraft has been sent to the collection department... Honestly they call me every day. I told them as I get paid I will give them there £197 but they still keep harassing me daily. I told them if they had not took illegal charges I would not owe them any-thing, and actually they owe me £4,800 and I am not calling them dailly to harass them... they still carry on calling me... it is so frustrating... Sorry for the whinging.

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Jadest you poor thing...what a hassle. But..possibly a good thiung they have moved the account to collections. Next time they call you, just state that the account is in dispute and you are not prepared to talk to them about it until the case is settled by court or negotiation. Tell them you will put this in writing and add that you require them to stop hounding you. Keep strong...can't be long now

saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Jadest you poor thing...what a hassle. But..possibly a good thiung they have moved the account to collections. Next time they call you, just state that the account is in dispute and you are not prepared to talk to them about it until the case is settled by court or negotiation. Tell them you will put this in writing and add that you require them to stop hounding you. Keep strong...can't be long now

saj x

 

I never thought of it that way.... I will do that and then hopefully they will stop hounding me... thank you saj

Jadest x

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Received a letter from the court:

 

Upon the courts own initiative

 

IT IS ORDERED THAT

 

Claim be Stayed and to be referred to district judge dudley in box work on 23rd October 2006.

 

What does this mean exactly?

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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Jadest...any news...did you speak to the bank re stopping hassling you?

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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jadest, if lloyds are hasseling you by telephone, send them the letter that can be found in the templates section by jonni2bad, titled telephone harrasment,

then next time they call ,tell them that you have made the request in writing that they stop contacting you by phone immediatly,and they are not to call you again, and that if they do they are commiting a criminal offence. and if they want to contact you it is to be in writng only,

  • Confused 1
:mad:LF53
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Jadest, how's it going?

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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