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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • 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. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Natwest Woes.


Lazaruseifer
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(Just before I start, Im dyslexic, sydcalculic and I had APD, so if some stuff doesnt seem to make sense, please just ask me to re-explain)

 

 

After reading a few horror stories around here, my own personal horror story seems like a mere scare in the streets at night, from a heroin addict, all whilst stumbling home after a few shandy's.

 

(I have just wrote a massive story and realized I was waffling, so I'll try and keep it simple, if people want to know details, I'll fill them in, but I realize people are too busy to read a story, so if my post seems to the point and a tad "rude" (for want of a better word), im sorry)...

 

If anyone could help with these few questions, I would be very, very greatful.

 

1. Can natwest change an account from a savings account to a student account without my consent. Which is what they have done.

 

2. Following on from that, is it legal to have 2 student accounts at the same bank, because thats what I have.

 

3. Natwest have put an ATM stop on my main student account which I have my student loans going into (my only source of income), because of a £500 loan not being honured. (this is another story in itself.), can they actually keep on bullying me into paying off my debts, which mostly seem to be just charges.

 

But to keep it short, I have a 500 loan which I fell back on repayments (which was coming out of my main account), so i phoned them and they transferred the repayments to my current account (which is what they turned into a second student account) and now, that account has gone to like -£800 from £250 in the space of a few months.

 

And now I know when I phone, to get the ATM lock from my account that I live off, they are going to bully me into coughing up. and at this moment in time I simply cannot afford that. Seriously!

 

I just wish I could default on them and just stop them snowballing me, which is what they are doing, and then sort it out.

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Lazerus, on (1) Definitely not. What kind of savings account was it? Did you have an old Card Plus account because in the historic past you ticked a box to convert it to a student account at 18?

(2) yes legal, but see answer to 1 which is what I suspect.

(3) The answer even on that one is yes they can stop the card if their is loan arrears.

 

I would start reclaiming the bank charges back. Are you saying that account 2 is 550 over the overdraft limit?

.

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

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Sorry mate, account 2 is 800 overdrawn, but this is what they have been taking the loan arreras from, it's all soooo confusing.

 

I definetly didn't change it to a student account mate, honestly, it just happened about 3 months back, they cannot even explain it. :eek:

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Sorry mate, account 2 is 800 overdrawn, but this is what they have been taking the loan arreras from, it's all soooo confusing.

 

I definetly didn't change it to a student account mate, honestly, it just happened about 3 months back, they cannot even explain it. :eek:

Was it a former card plus account?

.

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

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Even though they can stop me withdrawing money through my ATM card, can they stop me drawing out money from the cashdesk?

Arrears do need to be cleared so technically they should investigate any stop on an account. Whether they do is another matter.

.

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

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