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    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
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You're going down, Howard.....*** WON !! ***


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That's it. Done. Prelim letter posted today.

 

Dear Howard,

They're clearly paying you too much to be annoying on those ads, so I want a refund. I'd like the £3,135 back that you've taken from me, probably just to fund your latest ridiculous advert.

Thanks.

The only extras I got were extra charges. Thanks, Howard. :mad:

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  • 2 weeks later...

I received the standard Halifax reply on the 9th, saying how sorry they were that I was unhappy with their charges and that they promised to look in to it! They also told me it would take them 4 weeks - from what I can tell, this is their standard reply to everyone now.

Later today I shall be sending the LBA. I've made a small adjustment to the opening line, as you will see below. As Halifax are sending replies to the Prelim letters, I thought it best to at least acknowledge their "efforts" whilst letting them know it isn't enough.

Feel free to use it if you like. I shall let you all know what response it gets. If anyone disagrees with the wording, please say so.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

 

[Address]

Halifax Plc

Trinity Road

HX1 2RG

[Date]

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ROLL NUMBER: D/12345678-9

ACCOUNT NUMBER: 12345678

 

I am very disappointed that you have failed to respond positively to my letter of the 4th August 2006.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

etc.....

The only extras I got were extra charges. Thanks, Howard. :mad:

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Received reply today from Halifax, with a "goodwill gesture" offer of £715.00, and as full and final settlement. Needless to say I shall be sending the rejection letter immediately - they're £2,420.00 short, and that's before interest is added.

The only extras I got were extra charges. Thanks, Howard. :mad:

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  • 2 weeks later...

Due to busy time at work (the joys of Policing our nation's capital city at the current time!) I have only just sent the rejection letter, and I think I've been fair in allowing them an extra 7 days prior to comencing MCOL.

New MCOL date set for 8th Sept.

The only extras I got were extra charges. Thanks, Howard. :mad:

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Best of luck - keep us updated how you go on.

 

(And you might want to edit your account details out of your earlier post)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Dolly - Thank you! (But, spookily enough, I wasn't fortunate enough to have an account number that was SO easy to remember! Look at it closely...)

 

Tinkerbelle - Thank you too, and I tried to PM a mod last night, but t'internet connection was being a bit tempremental. I shall do it now!

The only extras I got were extra charges. Thanks, Howard. :mad:

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How nice to come back from holiday and check on what's going on...

 

First letter I opened was the MCOL official letter, stating that Halifax intended to defend all of the claim, and this was dated 13th Sept.

Next letter, dated 14th, was from Halifax themselves - business decision, blah, blah, etc, etc, have all the money back! Will apparently be in my account within the next 5 days! Hurrah!!!

 

As soon as I see the cash, I'll update survey and donate. All other loose ends will be tied up later, once I've had some sleep and recovered from the 6 hour drive from Cornwall. Goodnight all!

The only extras I got were extra charges. Thanks, Howard. :mad:

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Cheers Karnevil. Just remembered that the litigation section will need updating too. The original's here if it helps! Would you be so kind, please??? :rolleyes:

The only extras I got were extra charges. Thanks, Howard. :mad:

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