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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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Natwest at Telford


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About 18mths ago, I defended a court claim, the judge ordered a stay.

They did not respond to a cpr18.

After that Natwest Telford provided a/c numbers (1 loan/1 current) and a total sum - no split between a/cs

They then closed the loan a/c stating nothing to pay but wanted payment against current a/c stating this was in overdraft.

Next they sent a Termination letter for the current a/c.

I have since received demands from Irwin Mitchell who went away when challenged and now am receiving demands from Shoosmiths who are ignoring the account is in dispute and threating legal action.

 

I have posted sometime ago re: above and thought the problem had gone away.

 

I closed my account with Natwest 10yrs ago with a nil balance and have not applied for a new one.

The account no. they list is different to the closed a/c.

It would appear they have created a current a/c and transferred loan balance thus creating an overdraft.

I have read about this type of accounting on the forums.

 

Can they do this without my permission and how do I respond to Shoosmiths who are now asking for income & expenditure as well my payment proposals.

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I would write back stating that you haven't had a bank account with Natwest for 10 years and when you closed it, it was at a ZERO balance also state that it is likely that the debt is entirely made up of excessive charges and it could be that Natwest actually owe you more than you owe them !!

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I have an even better idea, Send a subject access request and ask for NatWest archived notes for the account. They will hate me for telling you but then again, they don't want you to know that information do they ;)

.

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

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About 18mths ago, I defended a court claim, the judge ordered a stay.

They did not respond to a cpr18.

After that Natwest Telford provided a/c numbers (1 loan/1 current) and a total sum - no split between a/cs

They then closed the loan a/c stating nothing to pay but wanted payment against current a/c stating this was in overdraft.

Next they sent a Termination letter for the current a/c.

I have since received demands from Irwin Mitchell who went away when challenged and now am receiving demands from Shoosmiths who are ignoring the account is in dispute and threating legal action.

 

I have posted sometime ago re: above and thought the problem had gone away.

 

I closed my account with Natwest 10yrs ago with a nil balance and have not applied for a new one.

The account no. they list is different to the closed a/c.

It would appear they have created a current a/c and transferred loan balance thus creating an overdraft.

I have read about this type of accounting on the forums.

 

Can they do this without my permission and how do I respond to Shoosmiths who are now asking for income & expenditure as well my payment proposals.

 

Telford are experts at changing account types without their customers knowledge.

 

Did you have a loan with Natwest?

 

Take Yourbank's advice and send a SAR.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Looks like the RBS group are continuing this "secret" accounting and digging themselves such a hole they will never get out of I can see the plug being pulled on this Bank by the government within the next 2 years it will no longer exist ...unless they come clean NOW!!!!

 

sparkie

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I did have a loan.

Last payment made was 4 yrs ago.

I forgot all about it until the court claim Dec 08.

Until then Natwest had not contacted me.

The poc on the claim showed - no a/c no. type of a/c etc.

After the stay they closed the loan a/c.

 

I have asked for information but not yet sent a SAR.

Does their nil response to cpr18 help in this matter.

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I maybe a little confused here with cpr18 and sar.

Do I still need to send sar even though they have had a cpr18.

Is cpr18 now no longer relevant after court ordered a stay.

 

Also what argument can I use as Natwest appear to have created a new current account to hold balance of a loan without my permission or knowledge.

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I have now sent a sar to Natwest.

Also sent letter to Shoosmiths to again advise a/c is in dispute and quoting harrassment.

I made a mistake earlier the court claim was Dec 07 & stayed Apr 08.

Over last 12 mths first Irwin Mitchell & lately Shoosmiths have said they are awaiting further info from Natwest as I requested.

A long time just to get some basic information.

As it is a current account do they not have to prove I applied and agreed to terms.

Surely they can't close a loan account and then create a current account out of nothing.

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