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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Lloydstsb reclaiming court claim issued **WON** but more charges!!


jillg
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I like the idea, Tim. I would never have thought of that and I will seriously give it some thought as they obviously took the excess overdraft which was only one of my debts. Hmmm

 

Thanks Mindzai, will send off letter today and may incorporate it with Tim's suggestion.

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  • 2 weeks later...

Sent letter to scm informing them that as their clients didn't comply with the terms of settlement ie pay the resently applied charges and pay me by cheque that I will be going ahead with the court case against them, and as a result I will be seeking compensation for undue hardship and distress caused by their actions.

Court date is 27 Nov. Can't wait!

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hi jill, am awaiting my aq, 28 days where up last night and they defended it right at this last minute- as per usual with these guys it seems now.

 

Good luck in your quest and would you given your experience so far have any tips?

 

Phil.B

 

24th Aug 2006 - Small Claims Court action filed

26th Aug 2006 - Claim deemed to have been served

6th Sept 2006 - Defendent filed an Acknowledgment of Service

26th Sept 2006 - Defendant's solicitors filed a defence (Sechiari Clark & Mitchell).

Currently awaiting AQ.

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When you get your aq fill it in and return it , send a copy to lltsb sols.

they also get an aq, so you will get a copy of this.

 

on mine they had ticked the box requesting a further month ,supposedly to come to some agreement.

 

when you get this give them a ring (see earlier posts in this link) and dont settle for anything less than they have taken from you.

 

As you can see I got most of my money but have told them that I am going ahead with the court action as they have not complied with my terms.

 

It's a pity that they waste so much time and obviously there money.

It must be costing them a fortune in solicitors fees.

Do I care?

 

Don't be intimidated. Good luck. Jill

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As I've said before.... ring them straight away if you get this.

They've asked for a month to settle so ask them what their offer is,

if it's not 100% what you want then reject it (in writing) and write straight back to the court to tell them they won't settle.

 

Then ask for the stay to be lifted on the grounds that all other avenues have been exhausted.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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  • 1 month later...

Today I received a letter from SCM telling me that as the settled at the end of August they have told the court that the case is settled and that i should do the same. NO WAY!! As they are still adding charges to the account which I have not been able to use as I can't afford to lose any more money I will see them in court on 27th Nov. I am so angry about the knock on effect that the charges have had on my family's finances that i owe it to them and myself to make this stand. It really has been horrible and very upsetting.

Jill

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It is a nasty vicious circle isn't it.

 

Good on you for sticking to your guns. Keep at it, they will settle with you.

 

Keep the faith!

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Thanks for the support Pete.

Has anyone recieved any compensation for the problems caused by bank charges?

Also, Got letter from bank yesterday, telling me that my overdraft facility has now been removed and that they will now be charging me 29.9% apr on the amount that i am overdrawn (Over £600). Its Ironic that I am in this position as a result of their charges. I know that they are trying to make me afraid of going to court but it won't work because I am too bloody angry.

Got the date of the court hearing mixed up - it is on the 21st. Will keep you all posted!

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  • 1 year later...

After the bit about being able to reclaim charges if you are in financial difficulties I wrote to lloydstsb asking for my money back as we are really in deep sh--. We have got 3ccj's and have arrangemnets with our creditors etc and basically have no life apart from work worry and stress. we can't even afford to get our son a birthday cake never mind a present.

They wrote back to me on 19 of August saying they would let me know in a weeks time. They got back to me today with a standard letter that just explains about charges and hearings etc.

Obviously I am feeling messed about and very frustrated but don't really know what to do next.

Any suggestions?

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See here for the latest Direction from the FSA as how banks should treat hardship claims:

 

Hardship & Stayed Claims - Consumer Wiki

 

Write back asking them to treat your claim as financial hardship as per the FSA waiver, quoting any relevant parts and enclose an Income & Expenditure sheet. Such as the one here:

National Debtline England & Wales | Personal Budget Sheet

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Have a read of this and contact Jon bundy on the number in this thread

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/155937-theres-hope-those-hardship.html

 

Good luck

belville

[sIGPIC][/sIGPIC]

 

:)Surely life can't get any worse it has to only get better from hear on out:)

 

LTSB- My claim like thousands of others is Stayed

Cap 1-See my tread about that one

Barclaycard- Won before court stage

GE capital -2 accounts and LTSB card letter asking for refund stage (Waiting for out come of the above to carry on with these ones )

Sars sent for all my mums accounts

About to start PPI claims on My Mums accounts

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  • dx100uk changed the title to Lloydstsb reclaiming court claim issued **WON** but more charges!!
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