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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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Etali Vs Lloyds TSB


etali
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OK, I've been reading this site for a while, and I've decided to claim back my Lloyds charges - they total 922 at this stage :o

 

I'm expecting another 90 quid fee this month - I just can't break the flipping cycle of charges at the moment since I'm on benefit :( I'm sending my Preliminary approach letter today, but theres one thing I'm unclear on - will I be able to reclaim any charges that go on between the Preliminary letter and it getting to court? Is there anything I need to change in the letter to reflect the fact that I want to claim for future charges too?

 

I was hoping to get myself 'under control' charges wise before claiming - sold a bunch of stuff to try to avoid needing to go overdrawn, but it hasn't quite worked out yet :(

 

Thanks in advance for any advice.

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Hi Etali

 

If you have received prior warning of these charges (usually given at the bottom of your previous statement), I would add them in at this stage.

 

When I finally went to court with my claim, I added on the new ones and as I did my claim on-line (which doesn't allow for 'an attachment'), I sent a copy of the new breakdowns + 8% interest claimed (which you do when you claim) + notification of my costs incurred by going to court, to them for their info. Needless to say, I got no response.

 

The other thing you may find is if it goes to the point where their solicitors submit a defence to your court claim, it does seem that the solicitors don't always get your breakdown which you originally sent to the bank anyway. I feel sorry for them because it seems the bank doesn't always send to them all the details you gave them in your original prelim letters.

 

So don't worry too much!:)

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Thanks for your advice.

 

I do online banking, and don't get statements, but I do get letters saying 'you have gone overdrawn, we will charge you' but they don't say how much. I'm *hoping* it will only be 60 pounds this time, not 90, but I'm not absolutely certain and the letters don't say how much you'll get charged, so I'm budgetting for 90 just in case. I wouldn't want to put the amount on the claim letter - if its wrong then that might lead to trouble with the rest of the claim.

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Well, sent my letter last week, got a reply today dated the 22nd saying thanks for your complaint, we take them all seriously and hope to respond within two weeks..

 

I'm expecting to get fobbed off, but lets see what happens.

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  • 2 weeks later...

Got a letter back from them - basically saying no we won't refund your charages.

 

I'm worried about this bit:

 

'But the important point is that the guidelines nly concern 'default' charges. The fees we charge for going over an overdraft limit and for returned payments are not any kind of default penalty. They are fixed standard prices for the service we provide in these situations. So according to our legal experts, the OFT's guildelines on credit card default charges do not in any way apply.'

 

Is that true? I'm inclined to push ahead with action anyways, but I want to double check I can claim back my overdraft excess fee charges.

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Carry on as usual :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Belated thanks! (been having net connection problems).

 

I'll send my LBA tomorrow then.... complete with the extra 90 pounds they charged me today.

 

Stupid WTC people haven't paid out :(

 

Thanks again.

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