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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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dave55 vs. Abbey **they won't send my statements**


dave554
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Hi, thought I'd start my own thread for updating with my case.

 

I sent the Data Protection Act request on the 17th June and recieved a reply a few days later denying my request. I immediately sent off the Data Protection Act rejection reply from the sticky above. A few days later my last year's worth of statements arrived (which they said they would send straight away) but today I recieved a letter again rejecting my DPA request again :mad: - they seem intent on sending my statements when they bloody well feel like it and now my initial 40 day timeframe is almost up so just reading on here to see what course of action to take next...

 

Oh... I think they must owe me a fair bit as my charges for the last year amounted to £888 and this month I was charged £300 (for having £20 worth of payments go out my account over my overdraft which I was only over because they charged me £30 last month for a 79p transaction!! Arrgghh!!).

 

Any suggestions as to what action to take now would be welcome? Is it worth reporting them to the ombudsmen and should I make an estmate on what I'm owed (based on the last year) and send the first letter asking for the money back??

 

:?

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Hi Dave

 

I have not received my statements either DPA sent 10th June. I have sent them a reminder but still only 13 months. I have now sent them an estimate and prem letter giving them 14 days.So we will wait and see.

 

Good Luck and keep us all posted with your progress.

Abbey National - Prelim Letter sent / LBA sent 10th August.

Capital One - Data Protection Act S.A.R - (Subject Access Request) sent - Offered £428 - Refused. Statement received Actual charges £1060. M/C ISSUED PAID IN FULL I WON

GMAC Redmption Penalty - Letter sent requesting full detailed explaination of charges/exspense and penalty charges received

Yorkshire Bank/Visa - Data Protection Act S.A.R - (Subject Access Request) sent. Visa Prelim sent £235. No statements as yet for Bank Account.

 

This site has been so helpfull I will donate to keep it running to help others. :p

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Thanks for the suggestion guys. I'm going to send them a prelimanary letter asking for my money back - does anyone have any advice for estimating the amount to ask for? For the last 14 months I'm looking at charges totalling £1188 - should I just use that to work out a monthly average and then calculate back over 6 years or is there a better way? :confused:

 

Basically I'm worried about overestimating - is it better to underestimate and can you then increase the amount later or to overestimate? I don't want to look greedy to the courts, I just want to get back what they've taken.

 

Thanks again, without this site and people's help on here I'd be knowhere with this.

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Dave, if they wont send you the statements then the best you can do is to estimate, if you are lucky then they will come back to you and say that these are the charges incurred on your account, in which case, you get your statements (it would be very interesting but it hasnt happned yet).

 

The other side of the coin is, as long as you can show reasonableness ie, charges for 2006 to date ( and you can show these) x 5 plus interest, then they cant argue and neither will a judge

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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