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    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
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Grrrr Evil Halifax!!!!


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HEY ALL,

AS A NEWCOMER HERE I FIRSTLY SAY HI ALL, AND PLEASE PLEASE HELP ME!!!

I WAS DIRECTED TO THIS SITE BY THE STUDENT ADVICE CENTRE AT MY UNIVERSITY. I HAVE BEEN HAVING MAJOR PROBLEMS WITH HALIFAX, BOTH WITH MY NORMAL ACCOUNT AND WITH MY CREDIT CARD. I HAVE READ A LITTLE THROUGH THE POSTINGS AND HAVE FOUND IT HELPFUL, BUT NOT QUITE SURE ON WHAT I SHOULD DO NEXT.

 

A LITTLE BIT ABOUT MYSELF.

:shock: I AM A STUDENT NURSE, ON A NHS BURSERY, WHICH MEANS I DONT GET A STUDENT LOAN, AND HAVE BEEN 'SURVIVING' ON ABOUT £5500 A YEAR. I AM AT THE END OF MY COURSE, SO A JOB WITH MONEY IS IN SITE!!! ANYWAY;

 

 

PROBLEM ONE,

 

HALIFAX STUDENT BANK ACCOUNT

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Hi & Welcome, I also joined this site yesterday and found reading the FAQ section and all around it along with the forum relating to your bank ie Halifax helped a great deal......

 

I've even started mine now, take a deep breath, and get ready to take control

 

Now grab a cup of coffee or Tea and read, read, read.....all will become clearer - I promise. :)

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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HEY ALL,

AS A NEWCOMER HERE I FIRSTLY SAY HI ALL, AND PLEASE PLEASE HELP ME!!!

I WAS DIRECTED TO THIS SITE BY THE STUDENT ADVICE CENTRE AT MY UNIVERSITY. I HAVE BEEN HAVING MAJOR PROBLEMS WITH HALIFAX, BOTH WITH MY NORMAL ACCOUNT AND WITH MY CREDIT CARD. I HAVE READ A LITTLE THROUGH THE POSTINGS AND HAVE FOUND IT HELPFUL, BUT NOT QUITE SURE ON WHAT I SHOULD DO NEXT.

 

A LITTLE BIT ABOUT MYSELF.

:shock: I AM A STUDENT NURSE, ON A NHS BURSERY, WHICH MEANS I DONT GET A STUDENT LOAN, AND HAVE BEEN 'SURVIVING' ON ABOUT £5500 A YEAR. I AM AT THE END OF MY COURSE, SO A JOB WITH MONEY IS IN SITE!!! ANYWAY;

 

 

PROBLEM ONE,

 

HALIFAX STUDENT BANK ACCOUNT

ON THIS ACCOUNT I HAVE A £2000 OVERDRAFT FACILTY, ON WHICH I HIT EVERY MONTH. IF I GO OVER THIS (WHICH SEEMS TO HAPPEN QUITE ALOT!!!) I GET CHARGED, AND THEN THE CHARGE COMES OUT THE NEXT MONTH, WHICH PUTS ME BACK OVER MY OVERDRAFT, SO I GET CHARGED AGAIN. THIS IS A VICIOUS CIRCLE IN WHICH I DONT SEEM TO BE ABLE TO GET OUT OF. THEY JUST SAY THEY CANT DO ANYTHING IN MY LOCAL BRANCH. I DONT KNOW WHERE TO GO NEXT. THE LADY AT STUDENT SERVICES HAS BEEN BRILLIANT, BUT EVEN SHE CANT HELP!!!

 

PROBLEM 2

 

HALIFAX CREDIT CARD.

I WAS SOLD THIS WHEN I OPENED MY STUDENT ACCOUNT, TO START WITH IT WAS A GREAT HELP, THEN THEY STARTED CHARGING ME LATE FEE'S, AND CHARGING ME TILL I WENT OVER MY LIMIT AND THEN I COULD NOT AFFORD TO PAY BACK THE AMOUNT IN WHICH THEY WERE ASKING ME. I WAS PAYING BACK ABOUT £40 A MONTH QUITE HAPPILY, UNITL THEY STARTED ASKING ME FOR MORE, THEN THEY CHAGNED DIRECT DEBIT DATE TILL END OF MY WORKING MONTH, SO I HAD NO MONEY TO PAY WITH. AFTER THAT IT JUST SPIRALLED. THE LADY I HAD SPOKEN TO AT UNIVERSITY HAD HELPED TO START. HALIFAX REFUSED TO CUT INTEREST RATE, OR MAY AN ARRAGEMENT TO PAY, OR HELP ME IN ANY WAY. I ONLY SAW A WAY OUT IN LETTING MY ACCOUNT FALL INTO DEFAULT. HOWEVER THEY RANG ME THIS MONTH, ASKING ME WHAT I WAS GOING TO DO ABOUT MY DEBT, WHY HADN'T I ASKED FOR HELP ETC, GENERALLY BEING RUDE, THEN THEY ASKED WHY I HADN'T TRIED TO MAKE A PAY ARRAGEMENT. I TOLD THEM THAT ONE OF THEIR ADVISORS HAD TOLD ME I COULDN'T. THEN THEY TOLD ME THAT AN ADVISOR THAT THEY HAD WROTE ONTO MY ACCOUNT DEATAILS, THAT THIS HAD ALREADY BEEN OFFERED IF I SENT THEM A FINANCAIL STATEMENT THING FROM CITIZENS ADVICE. SO I AM BACK AT SQUARE ONE, CHASING HALIFAX... AGAIN.

 

SORRY FOR THE LONG POST. BUT I AM GETTING TO THE END OF MY TETHER WITH HALIFAX. AND I DONT KNOW WHAT TO DO NEXT!!!

 

GINA :confused:

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yes it does take a while, spend lots of time in the library on this site, it is full of useful info, make sure you understand the process before sending out letters, from what i gather it is imperative that the process is followed to the letter so to speak good luck

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I've pointed what you should do on your other thread......it will be Ok, just take it one step at a time and read the good news threads, that will be you soon.

 

Oh and if you could turn your caps lock off I'd be grateful, it's hard to read, and in the online world considered shouting. - Ta. :)

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Welcome, Im in the same boat too I have just sent my prelim letter today, and once I have sorted out the bank I will be onto them Re my CC, good luck with your claim and keep us all posted this is a fantastic site and the guys here all want to help, keep it up and dont get to dispondant, you will win in the end!!!

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Huge problem with many of them......I'm just attacking Halifax first. :lol:

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Apparently the halifax (and this is only what I have read on the forum) is the pussycat of the banking world, you watch now Im really going to get screwed over by the halifax, from what I have read the is a major problem with all of the banks........what we really need (and this is only my opinion and does count for anything) is an actual court case so that the flood gates can be well and truly blown open and expose these bankers to a whirlwind of complaints and legal action!!!

Just my opinion you understand!!!

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Well don't vote me for the court case.......I've got enough to do, I'll just have the money before it gets to court thanks. :lol:

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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yeah, someone really needs to stand up to them!!! i just cant believe how much they do screw you over, and then they try to get you to use a debt advice company that they pay for??!!! now thats not being biased is it? and they told me to ignore the advice i was already being given, and has worked well so far! dont know what i would of done if it wasn't for the student advice team at uni!

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Advice is there to be taken or ignored, if you ask me take it every time, and if it doesnt work try something else at least you can turn round and say that you did try!

The cccs (consumer credit councilling service) are great apparently they are a charity and their help is free, their number is on Martin Lewis' site check it out guys, my sister says they have worked wonders for her, and I have also advised her to check out this site, my next step is the cccs.

I will volunteer to go to court and fight them face to face if need be..........I hate injustice, this is going to be my own personal crusade against the bankers, if (when) I win a donation to the forum is on it's way!!!!

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THREADS MERGED

 

Please stick to one thread per claim.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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i just wish i had found out about this site earlier. could of saved myself from the financial mess i am in now. but at least i am trying to sort it. i know lots of people who just stick their heads in the and and ignore their problems. just printed out the step by step instructions, and data letter thing. gotta get it all sorted.

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i just wish i had found out about this site earlier. could of saved myself from the financial mess i am in now. but at least i am trying to sort it. i know lots of people who just stick their heads in the and and ignore their problems. just printed out the step by step instructions, and data letter thing. gotta get it all sorted.

 

Good for you. :)

 

Don't forget there is light at the end of the tunnel, you never know by the time this is finished you'll either not be in debt as much as you were, or you'll be clear.

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

Link to post
Share on other sites

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