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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Emma Vs Capital One


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Hi guys,

 

Just won my first case against Halifax, so I'm now going through every account where I've ever been charged, starting with Capital One.

 

The really annoying thing about this account is that the credit card only has a limit of £200, and I've had it for less than a year. I've spent about £100 on it, but because of the charges, the balance now stands at £330.

 

I've noticed that Capital One usually fall at the second or third hurdle, not dragging it out all the way like the Halifax, so I've just sent off my prelim, and I'm when they credit the charges back to the account, I'm going to pay off the balance and close the account.

 

Anyway, that's me, so I'll let you know the progress.

 

Oh, I also included a little message in my prelim, requesting that they discuss the matter through written correspondance only, and not by telephone, after suffering cruel torture by telephone from the Halifax. Let's see if it works!

Halifax 1 - £1030

18/05/06 Data Protection Act Request

30/05/06 Received statements for six years

01/06/06 Sent Prelim

15/06/06 Sent LBA - Received nuisance phone calls

07/07/06 Received outright refusal of refund!

13/07/06 Received an offer for £91

19/07/06 Filed moneyclaim

26/07/06 Halifax state intention to defend

03/08/06 Halifax paid out!

 

Halifax 2 - £491

15/07/06 Sent Prelim

03/08/06 Sent LBA

08/08/06 Received standard letter

 

Capital One - £200

01/08/06 Sent Prelim

18/08/06 £88 refund credited to my account!

28/08/06 Sent LBA

 

Lloyds - £?

08/08/06 Sent Data Protection Act

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I too went for it with the halifax as my 'test' case. I managed to get all my charges back on my current account, but had to go as far as the Moneyliam stage.

 

As you can see from my list, I have many to go at, Capital One being one of them. I am at the same stage as you, so will keep watching.

 

Good Luck!

Halifax Bank Account - Settled in Full £650 MCOL Stage

Halifax Credit Card - MCOL Filed (£100)

Halifax Personal Loan - LBA Sent (£80)

Citi/Associates Credit Card - MCOL Filed

Aqua Credit Card - MCOL Filed

MBNA Credit Card - Settled in Full with Contractual Interest

Capital One Credit Card - Settled In Full £100 Prelim Stage

GE Money Personal Loan - MCOL Filed

HFC Personal Loan - MCOL Filed

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  • 2 weeks later...

Well I haven't heard anything yet, but some refunds have appeared on my online account - £44 Overlimit fee refund and £44 Late fee refund. I suppose I'll get a letter soon offering it as a 'goodwill' gesture!

 

I'll be sending my LBA tomorrow, but I wanted to check something first. By my calculations, every month I am being charged interest at around 22% on my oustanding balance, which includes the unfair charges I am requesting be refunded. I believe that I'm entitled to this interest back, as we claim overdraft interest on unfair bank account charges. Am I right, and if so, how do I calculate this? Is there a way to alter the standard spreadsheet to calculate at this interest rate? Also how will I word this in the LBA?

 

Sorry for all the questions guys - just as you think you're an expert on this, the banks throw something new at you!

Halifax 1 - £1030

18/05/06 Data Protection Act Request

30/05/06 Received statements for six years

01/06/06 Sent Prelim

15/06/06 Sent LBA - Received nuisance phone calls

07/07/06 Received outright refusal of refund!

13/07/06 Received an offer for £91

19/07/06 Filed moneyclaim

26/07/06 Halifax state intention to defend

03/08/06 Halifax paid out!

 

Halifax 2 - £491

15/07/06 Sent Prelim

03/08/06 Sent LBA

08/08/06 Received standard letter

 

Capital One - £200

01/08/06 Sent Prelim

18/08/06 £88 refund credited to my account!

28/08/06 Sent LBA

 

Lloyds - £?

08/08/06 Sent Data Protection Act

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Hi Guys

 

Really could do with some help over claiming back extortionate interest from Capital One. I need to send the LBA today. Can I claim back interest of 22% on the charges?

 

Thanks

Halifax 1 - £1030

18/05/06 Data Protection Act Request

30/05/06 Received statements for six years

01/06/06 Sent Prelim

15/06/06 Sent LBA - Received nuisance phone calls

07/07/06 Received outright refusal of refund!

13/07/06 Received an offer for £91

19/07/06 Filed moneyclaim

26/07/06 Halifax state intention to defend

03/08/06 Halifax paid out!

 

Halifax 2 - £491

15/07/06 Sent Prelim

03/08/06 Sent LBA

08/08/06 Received standard letter

 

Capital One - £200

01/08/06 Sent Prelim

18/08/06 £88 refund credited to my account!

28/08/06 Sent LBA

 

Lloyds - £?

08/08/06 Sent Data Protection Act

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You can try, bear in mind this has yet to be tested. I am doing this with Capital One also - and a one or two others.

 

It might be wise to include something like this in the LBA, in order that, should the claim for contractual interest fail you get the 8% statutory interest.

 

"The Claimant also claims interest at a rate of22%, from the date of each transaction to (date of claim) of £xxx.xx, as set out in the attached list of charges. The claimant further claims interest at the same rate up to the date of judgment or earlier payment, at a daily rate of £xx.xx per day.

 

The Claimant believes this rate to be justified under the principle of mutuality and reciprocity, and is based on the Defendants cash advance interest rate that would be applied under the terms of the above mentioned account.

 

Should the court find that this interest rate is not applicable, then as an alternative the Claimant wishes to claim interest pursuant to section 69 of the County Courts Act 1984.”

 

 

Regarding your earlier post ref the calculation of this interest, use the standard spreadsheet but alter the formula from 8% to 22%.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Thanks hagenuk

Halifax 1 - £1030

18/05/06 Data Protection Act Request

30/05/06 Received statements for six years

01/06/06 Sent Prelim

15/06/06 Sent LBA - Received nuisance phone calls

07/07/06 Received outright refusal of refund!

13/07/06 Received an offer for £91

19/07/06 Filed moneyclaim

26/07/06 Halifax state intention to defend

03/08/06 Halifax paid out!

 

Halifax 2 - £491

15/07/06 Sent Prelim

03/08/06 Sent LBA

08/08/06 Received standard letter

 

Capital One - £200

01/08/06 Sent Prelim

18/08/06 £88 refund credited to my account!

28/08/06 Sent LBA

 

Lloyds - £?

08/08/06 Sent Data Protection Act

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Hello Rose

 

Look here first,

 

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/

 

Then here,

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

And here,

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

 

Templates for letters are found here.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Best of luck with your claims

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Hi Emma ;)

 

Looking around cant seem to find which address to use for Cap 1 prelim letter, could you please oblige... Many thanx.

 

Watching to see how you progress - good luck.

 

Pixl.

[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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Capital One

250 Euston Road

London

NW1 3JJ

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Thats great, prelim printing now...

[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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Hi Roseperrywinkle,

 

I remember when I first discovered this site, feeling overwhelmed by the ammount of info and all the technical jargon. I was also a bit sick of everyone telling me to read all the FAQs - as if I was stupid. However it really does all fall in to place and then you can start your claim confident that you won't mess it up over something silly.

 

Good luck!

 

Emma

Halifax 1 - £1030

18/05/06 Data Protection Act Request

30/05/06 Received statements for six years

01/06/06 Sent Prelim

15/06/06 Sent LBA - Received nuisance phone calls

07/07/06 Received outright refusal of refund!

13/07/06 Received an offer for £91

19/07/06 Filed moneyclaim

26/07/06 Halifax state intention to defend

03/08/06 Halifax paid out!

 

Halifax 2 - £491

15/07/06 Sent Prelim

03/08/06 Sent LBA

08/08/06 Received standard letter

 

Capital One - £200

01/08/06 Sent Prelim

18/08/06 £88 refund credited to my account!

28/08/06 Sent LBA

 

Lloyds - £?

08/08/06 Sent Data Protection Act

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Well on the 18/8, I noticed two lots of £44 had been credited to my Capital One card on my online banking, so I waited for a letter to see what they had to say. It arrived yesterday, and said that it was a godwill gesture. It wasn't as heavy-handed as the Halifax are, nothing about final settlements or anything like that.

 

So today I've sent off my LBA, thanking them for their interim payment of £88, and requesting the outstanding balance. I've decided not to claim interest at the credit card APR, as it would amount to pence, not pounds, but when I claim back on some of my larger credit cards, I might try it.

Halifax 1 - £1030

18/05/06 Data Protection Act Request

30/05/06 Received statements for six years

01/06/06 Sent Prelim

15/06/06 Sent LBA - Received nuisance phone calls

07/07/06 Received outright refusal of refund!

13/07/06 Received an offer for £91

19/07/06 Filed moneyclaim

26/07/06 Halifax state intention to defend

03/08/06 Halifax paid out!

 

Halifax 2 - £491

15/07/06 Sent Prelim

03/08/06 Sent LBA

08/08/06 Received standard letter

 

Capital One - £200

01/08/06 Sent Prelim

18/08/06 £88 refund credited to my account!

28/08/06 Sent LBA

 

Lloyds - £?

08/08/06 Sent Data Protection Act

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