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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.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
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Halifax Overdraft Withdrawal No Notice!!!!


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Hi,

 

I checked my account online today to see what i had in there and was totally shocked!!!!!!!

 

I have had for over 8 yrs an arranged/authorised overdraft of £3850 which i am usually well into.

 

However today overnight my Overdraft has changed from £3850 down to £900 leaving me nearly £2600 in an UNAUTHORISED overdraft which they are demanding back at 10% a month and my account is on hold, i can't buy food or anything and i have been told to phone their Customer relations Dept on monday as i may have a case for reinstating my OD as they never wrote me any letters online or by paper.

 

Has this happened to many people , it just seems a way of claiming extra payments back at customers expense, i am completely stuffed now.

 

If i open an account with someonelse will i be accepted as i am a debtor to the Halifax overnight!!!!!!!!!!

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You should be able to open another account with another provider today. I would suggest perhaps popping into your local branch and asking them to start the process of investigating this issue TODAY

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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It seems total madness to me. I have been a good customer for over 21 years with them, yes in an overdraft quite a lot but it was an authorised overdraft that they made a nice bit out of, i get my salary of around £1900-£2000 paid in there as well, seems totally stupid to me why they did this?

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Spoke to their relations dept today and my OD has been reinstated and she said she doesn't know why it would have happened in the first place.....not convinced. There is a down side in that it is up for review end of june, she said i will then need to contact them 10 working days prior to state that i wish to continue with my OD in its current form.

 

Will wait and see as i'm not entirely convinced ......in the meantime a new account has been opened with another bank as back up.

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Halifax are routinely dropping O/D limits with little or no warning. I would as a matter of precaution use your new account for income and expenditure and pay off an amount each month to the O/D. You cna pretty much guarantee they won't renew it in June and they will take away your salary leaving you with no money.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Halifax are routinely dropping O/D limits with little or no warning. I would as a matter of precaution use your new account for income and expenditure and pay off an amount each month to the O/D. You cna pretty much guarantee they won't renew it in June and they will take away your salary leaving you with no money.

 

My thoughts exactly.......

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  • 3 weeks later...

Ok, i had trouble with the Halifax taking my OD away with NO notice, this has been reinstated, but i don't trust them and have opened a parachute account. However my query is if i do a complete swap to the new bank will Halifax immediately want payment on the OD as i'm always in it or will the new bank take on the OD as they say if i use their swap service they "may" match my current OD.

 

I don't want to end up in a fight with halifax as i will lose especially with OD's, i was very happy with them , but i truly don't trust them, my OD is up for review in June when no doubt they will stitch me up .

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Watch they don't delay transfer of DD's, I moved to parachute account and my new bank asked Halitwats to transfer details electronically, this they refused to do!

Ended up with DD's being taken from Hali, but with no cash going into that account ended up with over £300 in charges for returned DD's.

FOS have managed to get this cleared as part of hardship claim, but it has still being ongoing for the last 6 months!

Don\'t let the B**tards grind you down

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