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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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Hi, Help!... and a slight rant.


Could_Be_Anyone
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Hi guys,

Firstly I'd like to let you know how grateful I am about finding this site, without which i dont think i'd have found any of the information that will allow me to proceed with my claim vs Lloyds.

 

Before I go about putting together the charges details of my claim I thought I'd better substanciate which charges I am entitled to claim for.

 

Warning : Mini-rant follows, but i felt it needed as although i know the bank charges are being contested now under the 'unfair charges' I need to clarify wether personal circumstances affect the unfairness.

 

Through admittedly poor diligence on my part I have incurred failed direct debit and unauthorised borrowing charges.

 

Due to my budget and my outgoings the current cycle of charges looks to continue, this has happened to me twice - the first time I received a pro-active call from my 'account manager' and visited my branch to discuss my situation, naively I assumed that this was to help me - at the time I ended up with my overdraft cleared BUT additional outgoings in the form of a loan. This was accepted on advice from my branch manager that "a quick injection of cash is the only solution".

 

The second time (currently happening) I noticed on more than one occasion that direct debits had been refused (and charged for) on a first attempt, then allowed (and charged for under unauthorised borrowing). This to me appeared to e a way of maximising their income by circumventing the 'maximum per billing period' for both sets of charges.

 

I then have visited my local branch to query how and when the banks decide when they are going to:-

 

a) Reject a direct debit and charge the failed direct debit fee.

or

b) Accept the direct debit and charge an un-authorised borrowing fee.

 

As the above information has not been made clear in any documentation I have received from the bank, the response I got was that they did not know in branch. I asked for the details of who I would contact to request this information and was told "nobody will be able to tell you that, all you need to know is that there is enough money in the bank to cover the charges" the implication being that my money management was solely to blame.

 

The above answer is the main driving factor behind me taking this further.

 

Given that the the above charges are 'according to the banks' categorically not penalties, and 'a service' i pay for, i found it objectionable that they were unable to give me information pertaining to that service that would allow me to account or budget for it's use.

 

Now I understand from reading the forums, that it's likely that 'manual intervention' is the likely mechanic behind the decision to allow or deny direct debits, and if this is the case would the above behavior be the 'unfair' part, or the actual financial cost of the charges.

 

Would I be right in assuming that both direct debit and unauthorised borrowing charges would be part of this claim, and given the ambiguity of the information provided could I also include failed direct debit charges incurred through companies I had direct debits set up for as I have never been in a position to determine wether or not said service would be provided before the decision was made ?

 

My apologies for the legnthy post but I hadnt seen any information concerning what about the charges are being considered 'unfair' and wether any of the above information is helpful...

 

Thanks in advance

C.B.A

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Banks deciding to pay or return an item is in 99.9% of the time automated. There is NO manual intervention. This is a standard reclaim. Furthermore, bank workers are sellers. If you got a phone it was because they wanted you to have a loan not that it was necessarily better in your circumstances. Never assume that banks' have your best interests at heart most of the time.

  • Haha 1

.

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

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Banks deciding to pay or return an item is in 99.9% of the time automated. There is NO manual intervention. This is a standard reclaim. Furthermore, bank workers are sellers. If you got a phone it was because they wanted you to have a loan not that it was necessarily better in your circumstances. Never assume that banks' have your best interests at heart most of the time.

 

Sound advice, taking it on board. Have an appointment with them again on friday thanks to a pro-active letter they sent... but this time i'm armed with some experience and facts...

 

Will see how this goes.

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Sound advice, taking it on board. Have an appointment with them again on friday thanks to a pro-active letter they sent... but this time i'm armed with some experience and facts...

 

Will see how this goes.

Face 2 face meetings with staff are simply a waste of time. Branches have absolutely no leeway on charges at all. A Bank charge is a bank charge period. Whether you say it was a service you didn't want/agree to, it is clear that the obvious argument is that you agree to the changes to the terms and conditions. You and I know that they will pay the money back eventually.

.

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

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I do love a good rant so I'm subbing.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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At the very least I shall ensure that despite her best efforts, attempts to sell me something are futile, and I wonder just how much of their time I can consume...

 

I've a particular chip on my shoulder about sales through service or as i prefer to think of it 'taking advantage of a captive audience'.

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At the very least I shall ensure that despite her best efforts, attempts to sell me something are futile, and I wonder just how much of their time I can consume...

 

I've a particular chip on my shoulder about sales through service or as i prefer to think of it 'taking advantage of a captive audience'.

 

When I worked in the bank and posted on here I hated the fact the posters felt that those at the bottom were the ones you had take it out on. In fact it is those in glass houses that needed a good kicking(if I can say that). You can waste the persons time all you like. A bank is a sales shop. Branches can be seen as stores.

When I was trying to cut my outgoing Lloyds was trying to give me a contents insurance quote. I understand the culture but one a seller ALWAYS a seller.

.

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

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When I worked in the bank and posted on here I hated the fact the posters felt that those at the bottom were the ones you had take it out on. In fact it is those in glass houses that needed a good kicking(if I can say that). You can waste the persons time all you like. A bank is a sales shop. Branches can be seen as stores.

When I was trying to cut my outgoing Lloyds was trying to give me a contents insurance quote. I understand the culture but one a seller ALWAYS a seller.

 

I understand that they are essentially stores full of salespeople. That I can understand and appreciate, and if thats how they advertised themselves i would simply have told the lady that i wasnt interested in any additional products right now.

 

Luring me into the branch (wasting my time) with a false promise of being able to assist me with my situation (which we know is unlikely) is in my opinion deceitful.

 

For the avoidance of doubt I spent time working in both a straight sales environtment (shop floor sales) and several years (still there) in customer service (yes... call/correspondence centre's) where sales through service were/are rife, and depressingly for me given more importance than actually resolving issues and helping customers...

 

Rest assured that if she's honest, she'll get no hassle from me. At the least she should be able to provide me with details of the charges.

Edited by Could_Be_Anyone
spellong
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Had my visit at a different branch this time.

 

Result - Shocked.

 

Bank charges due for next 2 months have been wiped off (£300+) and didnt try and sell me anything !

 

Another colleague gave me a quote for a remorgage but I asked for it and she wasnt pushy at all. Credit to their profession and I told em so.

 

I've had at least £650 charges over the last couple of months...

 

and more before that... now waiting for that £10 fee to turn up for SAR.

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