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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
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At my wits end with the A&L - some advice please!


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Hi all,

 

I hope this is the right place to post this but if not, I apologise in advance!

 

I have a basic account with A&L and have worked out from previous statements that they owed me £442 in failed DD charges. I sent them a letter (before discovering this site) and they replied, agreeing to refund me - as a good will gesture, a payment of £34. They then proceeded to take this back out of the account a day later. I sent them the prelim letter out of the template gallery on the 3rd of August and I am still awaiting a response.

 

I am due to the next letter on Wednesday, and have this all ready and prepared. Looking at most of the cases people have posted on here, I realise that I am going to have to start court proceedings and that the likelihood is that A&L will probably close my account after I do so. Herein lies my problem. When I split up with my husband, about a year and a half ago, I found out that he had not been paying any of the bills and this left me in a total mess financially - most of them being in my name and having accrued CCJ's etc. I only found out the full extent after he had left and as a result, although payments are being made, my credit rating is shot to pieces.

 

I am a student and therefore have to have my own bank account to enable me to have student loan payments. Does anyone have any advice as to where I will be able to open a bank account which will not require me to have a perfect credit rating? I am not looking for an overdraft etc. (the last thing I need are more debts to have to pay)!

 

Also, currently everytime any money hits my account, despite having now cancelled all my DD's, A&L are 9 times out of 10 taking a £34 charge for failed DD's, is there anything I can do to prevent this happening?

 

Thank you in advance for any advice that anyone has to offer - it is much appreciated.

 

Sarah x

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Hi,

 

I know the post office offers a basic bank account, as does the HSBC, I have just opened a parachute a/c with them, and all it offers is a cash card (no chip and pin) and dd facilities, nothing else.

 

Like you my credit rating took a battering when my ex and I split, he stayed in the house and didn't pay the mortgage or any bills for 6 months! Again leaving me to pick up all the peices!

 

Good luck

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Hi Heidi,

 

Thanks for the info - will check both of these out straight away, I just need to make sure I am covered as my loan payment is due in 5 weeks and I can't have it 'eaten' by A&L!

 

Thanks again,

 

Sarah x

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Hi,

 

Thanks very much - I will give them a go, it's just so frustrating at the moment as every time any money goes into my A&L account (including CTC and Child Benefit) they take £34 from me. Yesterday I was left with £9 after they took yet another charge.

 

Thanks again,

 

Sarah x

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Yes I know the feeling - and being chrarged twice for a failed direct debit in a few days doesnt help. A & L were unable to tell me why they allowed some through and charged £16 but others failed at a cost of £34. Those going through or not obviously being sorted so they can make the most money! There has been one month where they charged me almost £700 in charges - my entire months salary and least to say made things even worse with my creditors!! Not any more - we are going to get it back!!! Good luck

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Jovichick,

 

Lets get things into perspective first. Their are a number of banks that offer basic accounts although I can't place my hands immediately on the list I have from CCCs, as soon as I can find it I'll list them in this thread for you.

 

It sounds to me like you need to get another account and move all payments into and out of it, that should at the very least give you some breathing space to resolve the problem with A&L. Make sure you work out a budget and stick to it as well.

 

A&L can apply as many charges as they like once your main banking is done with another bank, after all your going to get it all back eventually :)

 

I would also speak to the CCCS on 0845 272 5400 regarding the problems of the CCJ's if your ex husbands name is on any of the original debts then he is jointly liable for them.

 

If Direct Debits have been cancelled and A&L are still attempting to pay them and charging you for the privilage then that is covered by the direct debit guarantee and they have no legal right for the charge. I had a similar situation last year when I moved bank account from A&L. they failed to provide a full list of mandates and then made charges for failing them despite being told NOT to pay any after a certain date.All those charges were fully refunded.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Thanks very much for the info Tamadus, I am trying to secure an account at the moment and the second I do so will definately be moving everything to the new account!

 

The original 14 days are up as of today so my second letter is going to be winging its way through the post later today :)

 

They still haven't responded to my first request but from reading the threads on here, I am sending my second letter anyway..

 

Usually I wouldn't be too worried about opening a new account but with my student loan payment due in 4 weeks, I have to get a move on!

 

Thanks again,

 

Sarah x

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Hi all,

 

Just thought I would post an update! My worries about setting up a parachute account are over!!! Natwest have accepted me and have set me up a step current account - thanks very much for all the advice everyone has offered over the past week or so.

 

Still no news from A&L, but my second letter was sent yesterday so in 13 days - and counting! - my moneyclaim will be filed!

 

Thanks again for the support,

 

Sarah x

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Great news Jovichick now you can concentrate on dealing with A&L properly instead of keeping track of how much they are taking.:)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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  • 2 weeks later...

Hi all,

 

Just thought I would post another update!! Well, I recieved a letter last week - 3 weeks after my prelim letter was sent telling me that the report only refers to current accounts... blah, blah, blah!! After reading other peoples cases on here, I was completely expecting this and as my second letter had already been sent, I popped the letter into the envelope I am keeping with all the correspondence to do with the case.

 

The 14 day deadline after the second letter ran out today and I happily paid my £80 for the court costs about 2 mins ago in order to file my claim!

 

I have however, had a few issues with my cashcard today. I went to the post office to take out some money, and my card was refused :Cry: , I rang my local branch, who advised me to try a cash point, which I did and it still wouldn't give me my money!! I then took a trip to the bank only to be told that my account had been temporarily suspended due to the information on their files being incorrect (I changed address in June and despite two notifications having been sent, they have not yet changed their system!). The laughable thing was that although they would not let me use my cash card in a cash machine, I was told if I wanted to take my money out in branch, they would have to levy a £2 charge. As I am sure you can imagine, I was having none of that and after having been quite snotty with the woman behind the counter, I managed to get the 'charge' waived. They said it was nothing to do with my taking them to court but couldn't tell me exactly why my account had been suspended - very suspicious eh?

 

Anyways, the only thing I want to ask now is what should I expect to happen next? How long does it take before moneyclaim hit A&L with the claim pack and how long have others had to wait from this point on??

 

Thanks in advance,

 

Sarah x

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awwww sorry Jovichick but I submitted my moneyclain on Friday so it would land on their doormat first thing Tuesday morning. I'm guessing here but I suspect they want to keep your money to help pay my claim ;)

 

Seriously it will take them a couple of weeks to respond to your claim, but in the meantime it sounds like they need to make an apology and restitution for suspending your account, as for paying a fee to withdraw your own money from the branch I thought that idea had died a death a long time ago.

 

I hope somebody feels sorry for the poor old A&L with 2 claims in the same week to contend with :-D

 

Tamadus

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Nah, we shouldn't feel sorry for them, after today and their suspension of my account, I have no pity!!!

 

Just can't wait to get back the money so that I am able to pay some of the bills it was intended for in the first place!!

 

Thanks for the support - is much appreciated, will keep you posted as to progress! :)

 

Sarah x

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I should imagine they will think they are doing well if they only get 2 claims in a week. If you haven't done it yet can you send a pm to a moderator with your claim details to go in the litigation in progress forum.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I was going to say that Caro lol:)

 

just to update you Jovi the acknowledged my claim today 31/8/06 :) I am off to issue on Capital One now as Debitas seem to be using the phone a lot since I sent the LBA not bad going as I have told them to stop calling under the telecoms act.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I have a rubbish credit rating including CCJs, but I have just opened a basic account with cooperative in preparation for getting my charges back from A&L (I'll be sending the data request this weekend). With the Co-op you get an electron debit card and online banking. All you need to do is prove your identity.

Alliance and Leicester: started 2/9/6, LBA 7/11/06.

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Got the acknowledgement of service this am saying that they intend to fully defend claim...... lol so now counting down days til cheque arrives!!

 

Hope your claim is progressing Tamadus, let me know when you get your cheque, and thx for the advice Nackers, I have now got my new account with the Natwest, is much better than A & L one!!!

 

Thanks,

 

Sarah x

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When anyone checks their a&l statements be aware the charges changed approx sep 04 from flat £25 to an intial £25 to be followed by a further £25 3 days later. Be aware that an excess charge pre 04 appears as 'Monthly O/D Charge' on statements.

My 1st letter to them got posted on the 31st August, i'll keep you all posted...

 

James

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I got the acknowledgement of service in the mail yesterday Jovi but the acknowledged it online last Friday stating they intend to fully defend the claim so hopefully I should have the check in the next couple of weeks

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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jovichick, if you are receiving CTC and file your claim at the Court Office you are exempt from fees, see court leaflet EX160A, this is how I have filed my claims against A and L, very easy to do and very helpful Court staff.

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When anyone checks their a&l statements be aware the charges changed approx sep 04 from flat £25 to an intial £25 to be followed by a further £25 3 days later. Be aware that an excess charge pre 04 appears as 'Monthly O/D Charge' on statements.

My 1st letter to them got posted on the 31st August, i'll keep you all posted...

 

James

 

This is nothing new. The 'Monthly O/D Charge is and always has been £5. Thats the charge they make for any month your overdraft facility is used and it's a legitimate charge and cannot be reclaimed. If you look closer they charge you £10 to set up the overdraft facility and a further £10 a year continuation fee, again legitimate. The £25 charges you mention are for excedding your overdraft level and are applied on day 1 and again on day 3 if the level hasnt been reduced to your agreed amount. Those are a penalty and should be claimed

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Woohoo!!! :D

 

Woke up this morning to a nice little envelope on my doorstep from the Alliance & Leicester having settled in full!!!

 

I couldn't and wouldn't have had the courage to do this without the help of this site and everyone has my sincere thanks for all their help.

 

Am off to pop cheque in bank now - good luck to all still awaiting settlements, although I am sure you won't need luck! ;)

 

Thanks again,

 

Sarah x

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Woohoo!!! :D

 

Woke up this morning to a nice little envelope on my doorstep from the Alliance & Leicester having settled in full!!!

 

I couldn't and wouldn't have had the courage to do this without the help of this site and everyone has my sincere thanks for all their help.

 

Am off to pop cheque in bank now - good luck to all still awaiting settlements, although I am sure you won't need luck! ;)

 

Thanks again,

 

Sarah x

 

Wooohooo great news jovi, strange I have heard nothing yet and I filed a few days before you did. Watch mine be the one they do defend in court :eek:

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

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