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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [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 states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Supreme court rules


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It's pretty simple really, don't break the rules and there aren't any penalty charges.

 

What is it with you people ?

 

lol i saw that interview also, did you see how much botox the bank spokeswoman had, i suppose that was to stop her laughing all the way to the bank

TOTALLY debt free as of 2007, Fantastic,

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It's pretty simple really, don't break the rules and there aren't any penalty charges.

 

What is it with you people ?

 

I don't have any charges to claim back at the moment anyway, as it happens, but for some it isn't just about that, it's about holding the banks to account for their OWN RULE BREAKING.

 

Vegnomeat is a troll, anyone know of a large billy goat who needs a troll kicking contract?

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Financial institutions never face any penalties and Never break the rules? That's why the FSA has issued a record £28 million in fines to financial firms. Get it into your head that without this revenue stream the banks will be determined to grab their billions from the taxpayer and every current holder in the land.

 

Anyone with a current account. Move it if you can to the Nationwide or the Co-op. Where the customers are the shareholders. Let the High Street Robbers go back to their profitable investment banking that caused the economic meltdown.

 

Well said, they were fined 28 million pounds, if you take advantage of an unauthorised overdraft you too will pay a penalty, if they write to you telling you so you will pay for their letter. However, if you stuck to the terms and conditions of the Bank you won't pay any penalties, simple really.

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Finally, after posting the wrong case up, the Judgment is available on the SC Website.

 

Here's the judgment.

 

http://www.supremecourt.gov.uk/docs/uksc_2009_0070_judgmentV2.pdf

 

I suggest reading it. It really is not the doomsday decision that everyone thinks it is. The OFT lost the right to assess the charges for fairness. That is all. We have not lost any rights in respect of challenging the fairness of the terms, although the banks have admittedly gained a lot of ground with this ruling remember that was from a position of caving in to just about every claim without contesting it in court.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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I think Peter could be right about lifting the stay.

 

However, I think this also needs a co-ordinated campaign to clearly state how unhappy with the decision we consumers are:

 

Options:

 

1) A petition on the No 10 webisite express our disgust and outrage urging the goverment to overturn this decision.

 

2) A Rally in Central London to follow up the above.

 

Whatever we do we shouldnt just roll over and die.

 

ST

 

Totally agree..if this was France or some minority hard-done by group the streets would be awash with angry people.

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This is going to be where the action is I think:-

 

UK and EC competition law prohibit two main types of anti-competitive activity:

 

  • anti-competitive agreements (under the Chapter I and Article 81 prohibitions); and
  • abuse of dominant market position (under the Chapter II / Article 82 prohibitions).

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If you took a little off each exorberant (spelt wrong sorry) bonuses then surely 2 odd billion would be made up easily to make us the ordinary person not struggle as much

 

I hope Crapstone gets total support we should all move our money to under the matress -

 

Veg not meat Your are more a veg than the meat

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So angry, but what did we really expect, I have now been left in a situation where an unauthorised payment took from my account a matter that I have disputed but was told it can take 120 days to sort out, and since september alone due to this the bank have took almost £600 in overdraft charges all of which have left me over my overdraft limit (so who knows how much in the past 6 years) and as now I am stupid enough to bank with halifax with their new charges which begin early dec I am now looking forward to getting a £5 charge aday added to my account, I cant afford to pay what I owe and if todays decision had of been different I would have had no problems at all, yet know what to do next I have no idea, but I cant pay so????????? we are all being robbed by the banks, the government and too many other organisations and companies to mention, like sheep bing led to slaughter comes to mind.

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Well said, they were fined 28 million pounds, if you take advantage of an unauthorised overdraft you too will pay a penalty, if they write to you telling you so you will pay for their letter. However, if you stuck to the terms and conditions of the Bank you won't pay any penalties, simple really.

i am already on with moving out of the rbs, does anyone know if skipton is indipendant.

TOTALLY debt free as of 2007, Fantastic,

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what a Farce.....Like everyone has said i have to agree the ruling was for one reason...."restoring Big players confidence in the banking system" can;t have the system fail again....tosh why not just keep stalling unitl encomny was in a better posistion??

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If it were so simple why has it taken two years of top legal brains and courts toing and froing in their decisions to come to this rather narrow and artificial construction between core and ancillary terms. The transposal of the directive means that unfair terms shall not be binding on the consumer.

 

Perhaps you would like to provide us with a SIMPLE yes or no as to whether all laws should be observed by all, or only observed when they suit us? SIMPLE? I don't think so.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Just see the news regardng the test case, what will happen now ???????? have a claim which went to court and the court uled that the defendant the Halifax must file their defence by 16 Nov 4pm which they did not and the court stated that their defence after this dtae will be stuck out so on the 18th Nov 09 we filed for the judgment, which the judgement papers are with the judge. Can the judge now stop our claim due the the test case or confirm the judgement as the defendant dd not file defence by the date set by the court. we are hopng that the court will issue the judgement as the claim was filed before the test case hearing and the defendant did not replied to the court papers

 

here hoping

 

UPDATE i have called the ourt today and the judge has issued the judgement in relation to our claim, now hoping the bank will refund

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On reflection, Its only the OFT that cannot have a say in the charges. That doesnt mean, that someone can't take their bank to court and demand a refund based on what the charges are actually made up of. They would have to show that it costs them the amount they charge, making profits from charges may be illegal.

As for the Troll Vegnobrains, a quick trace route and block should put paid their Network for a while:p

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On reflection, Its only the OFT that cannot have a say in the charges. That doesnt mean, that someone can take their bank to court and demand a refund based on what the charges are actually made up of. They would have to show that it costs them the amount they charge, making profits from charges may be illegal.

As for the Troll Vegnobrains, a quick trace route and block should put paid their Network for a while:p

 

 

I totally agree.

I dont see this as the end.merely the beginning of the 2nd phase.

NatWest Bank

- S.A.R Request Sent 21/9/06.

- Prelim Letter Sent 16/10/06

- LBA Sent 09/7/07

 

Barclays Bank

- S.A.R Sent 4/1/07

- Prelim Letter 1/2/07

- LBA Sent 16/02/07

- MCOL Filed 20/3/07

- A/Q Filed 30/5/07

- Court Date received 16/6/07

- SETTLED IN FULL £15XX.XX 07/7/07 :)

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Maybe it's just me and I'm SIMPLE, really SIMPLE.

 

Perhaps those who argue that it is SIMPLE could have a quick read through the SIMPLE UTCCR's and enlighten as as to the SIMPLICITY of the following regulations. In fact if you break the law you deserve to be punished/penalised right? SIMPLE eh?

 

In SIMPLE terms please show us in the following regulations, which carry the full force of law, in the UK, where the banks charges are fair. It's SIMPLE really so shouldn't take you long.

 

Statutory Instrument 1999 No. 2083

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Crapstone this isn't a troll at all. Using unauthorised overdraft charges as an example please explain to me why I am wrong ?

 

Regards

 

 

ok example for u , i go to a high street foood retailer to by my dinner a day before payday, i haven't had time to check my balance but im pretty sure i have £10 in my account, now i spend £9.80 in said store, in fact i had £8.30 avail, now the transaction gets authorised for that and i get charged £38 for unathorised overdraft request, ok the T&C's of my account probably say that that will happen, but i don't have a choice i can't bank else where, where this doens't happen?? how can that be fair.

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Crapstone this isn't a troll at all. Using unauthorised overdraft charges as an example please explain to me why I am wrong ?

 

Regards

 

If only it were that B&W.....I suggest you read the threads on this site. This is CAG ..Consumer Action Group and meant for people that are concerned consumers, not people that wan't to argue against them. I'm sure you'll be more at home on a bank support website.

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It was hardly going to be any other way, the government has spent billions on these banks, they were not going to let the banks loose this and pay out billions were they. We have lost. There are glimmers of hope, but very very slim ones IMHO.

 

The only was forward is to make sure you dont go OD, atall. Since I got my charges back, well most of them, 2 years ago, I have gone over once, and been charged £8 by Barclays. I can live with that...

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Anyone with a current account. Move it if you can to the Nationwide or the Co-op. Where the customers are the shareholders. Let the High Street Robbers go back to their profitable investment banking that caused the economic meltdown.

 

I might just well do this and if a sizeable number of us did the same that would make a dent in their deposits

 

On another note I believe that banks have to retain a certain % of assets in the form of cash deposits, which has been reviewed since the financial crisis. If we were to withdraw our deposits or transfer to building societies not affialiated with the major high street banks what kind of impact would thsi have on their cash deposits.

 

We all know that there is a move from investment to more traditional high st banks using customer deposits as leverage for loans etc so i wonder if there was a move by a good % of retail cutomers to "other accounts" whether this would make them think.

 

Regards

 

ST

RBS/Triton - Gone Away No CCA

RBS/Moorcroft - Gone way No CCA

RBS/AIC - Gone Away No CCA

RBS/Intrum - Gone Away No CCA

RBS/Regal - Gone Away

 

Cahoot/Link - CCA in Dispute

 

Capital One - Settled

 

Lloyds Bank - Awaiting Outcome from Supreme Court Hearing.

 

Lloyds Credit Credit - Repayment Plan

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hi Bobsp

 

isn't that the point though? you are now paying £8 where it would have previously been much higher. That's because the inflated charges were unfair

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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