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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Sophie2006 Vs Lloyds TSB


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Hi there, been a passive part of this site for some time and have finally got around to initiating the first move in my action against LLoyds TSB. I've sent off my Data Protection Act request and I received the statements last week, I've toted everything up and it comes up to quite a substantial amout (4 figures).

 

I'd like some advice on how to proceed further, my account is a joint account that I have had together with my husband for some time. As I live in Scotland our small claims process is capped at £750, how can I best proceed with this? Should I split what is owed into £750 segments and send first action letters for each of the individual claims, or should I notify them in one letter only of my intention to reclaim the total sum?

 

We also had a second account with Lloyds TSB that we closed last year, this had slipped my mind at the time of the first DPA request as I was concentrting on the main account we hold. I now intend to send off the DPA request for this account, should I delay the next step for the first account, and wait for these statements to arrive too, then incorporate them in to one larger claim?

 

Sorry for all the questions in my first post but I know I'll get the advice I need here, many thanks for your patience in what has been a very long first post !

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Yes unfortunately looks like you are going to have to split them up.

 

Good thing is you have the figures so no waiting 40 days.

 

When you do your first claim you can say in your prelim letter that you will be seeking recovery of the total charges.

 

Just dont sign as full and final after your first claim is sorted.

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Its her choice as to where she wants to have it.

 

If she would prefere to have it moved then thats no problem.:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin

I am sorry that it's taken me so long to reply to you, thank you very much for your advice I think though that I might be better on the Scottish site and I wonder if you would be kind enough to transfer me to that link.

 

Sophie 2006

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I will try and sort that for you.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Hi

I am sorry I haven't posted any messages on here yet, as I said previously I have sent off for details of the account we closed last year and I am still waiting as yet, they have about 6 days left to send them out to me but this was exactly what happened last time too. I will keep you posted and let you know as soon as I am ready for the second stage.

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At long last I have finally received the statements for my second account which I had closed last year and having totalled them up they both arrive at similar amounts £4,600.00 for first account and £4,400.00 an the second, but before I go any further I would like to ask a couple of questions:

 

1:: Is it possible to link both amounts together and claim them back as one or do I have to claim them back seperately ?

 

2:: The bank have "very kindly" supplied me with statements for the second account going back as far as 1997 is it possible to claim that far back or are there regulations in place preventing this?

 

I would be grateful for any help with this as I am very keen to set the second phase in motion.

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This is interesting.

You can indeed link the 2 together for submitting on an N1.

 

So they supplied statements from 1997 ?

There have been claimants who have gone back further than the 6 years.

Let me come back to you on this.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Are you in Scotland Sophie? If yes you CAN do them both at the same time. Just treat them as totally separate.

You can do a Summary cause between £750-£1500,

or a small claim for upto £750, for EACH account. So long as you state the diff account numbers on the forms

mairi

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Hi Mairi

 

Thanks for replying, yes I am in Scotland and your information is very helpfull. at teh moment I am unsure what to do next as I was ammazed that the sum I would be claiming would be so large so now I don't know whether to claim through the Scottish courts or the English courts.

I would be grateful for any input on this.

Sophie

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Hi Sophie

It will be a long process if you go through the Scottish courts but it can be done.

BOS owe me £5k, I submitted my first claim in June and am now onto no3. £2200 ish has been returned to me so far.

I havn't really researched doing it through the English court with their £5000 limit, but i know this is possible also. There is a thread on Scots claiming in England

Scots claiming through English courts. (sorry can't get the link to work)

 

You could ask someone there about it.

good luck making a decision

mairi

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  • 3 weeks later...

Hi

At long last I have received a reply from Lloyds TSB saying that they will look into my request and get back to me as soon as possible.

In the meantime I have printed off my LBA and will post it of to them tommorow.

I will keep you posted on my progress.

 

Sophie

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Hi Sophie,

I am in similar situation to you and am curious as to where I send my Data Protection Act Subject Access Request. Is it to the Bank? I apologise for my level of thickness regarding this -just a little confused at present as to where to start. I have copied the example from the Bank templates. Should I send this with the requisite £10 and wait.

 

Regards,

 

Ponderosa

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Hi Ponderosa

You need to send your request to your own branch FAO The Manager by registered post and just wait. If they are anything like mine they will keep you waiting right up until the last few days.

Good luck

Sophie

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I have now received a letter from Lloyds TSB saying that the charges were justified and that it is the banks final response.

So now it's court time.

I would be very grateful to anyone who could get back to me regarding caliming through the English courts. Is there anyone living in Scotland ,who has an account in a Scottish branch, and has raised court action in an English court?

Although I have sent everything to my registered branch, all the correspondence I have had from them so far has come from Andover.

The reason I am thinking of going through the English courts is it will take me forever to get back my money if I can only claim £750.00 each time in Scotland. The judge and I will be on first name terms by the end of it all.

I would appreciate any help and advice anyone can give me.

 

Sophie

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It is my understanding that you can claim in England but must have an english address. It does'nt have to be your own address just someone who is willing to take mail for you and pass it on . I would also point out that if you claim in England you will have to travel their to attend court. Look at the summary cause route. I will be using this route for my next claim. Limit is £1500+ court costs.

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Hi

 

I am sorry to keep asking the same questions but time is running out for me to raise court action, my probelm is if I go for small claims or summary cause it will take several actions to claim the whole amount back as I am claiming almost £10,000 between the two accounts. I know the only way to do this is to raise an action in the Sherriff court with the aid of a lawyer.

I live in Central Scotland and wondered if anyone has already had succcess in this area and could suggest a lawyer that I could approach to fight my case. Glasgow, Edinburgh, Stirling ect: would be ideal and I would be very grateful to anyone that could advise me on this, I have already phoned Govan Law Centre in the hope that they could have provided me with some help on who to approach but they were unable to do so.

I am going to get in touch with the Sherriff court tommorow and ask them a few questions maybe just maybe I will get the answers that I need, I will keep you posted.

 

Sophie

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Hi

I phoned to the Sherriff court and didn't really get any further, so I have an appointment with a solicitor tomorrow afternoon so no doubt I will have all the information I need to continue with my claim.

I will let you know how I get on and hopefully pass on any information that I gain to the site in the hope that it might help anyone else in the same position as myself.

Things are really heating up for me now and I can appreciate how you all must have felt at this stage, it's very exciting but also very scary.

So until tomorrow.

 

Sophie

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Sophie,

 

I did post something a while ago about using the ordinary cause procedure (which is for claims over £1500), but people were reluctant to go down this route as the bank could - in theory - be awarded their full costs should you loose the case. The chances of you loosing are still pretty slim, but when such a large amount is involved, you can bet the bank will defend it.

 

I'll post a link to the thread with my ordinary cause template once I go off and find it. As I said in that thread, it's never been looked at by a lawyer. Perhaps you could take it into your meeting and see what he says?! That way people will know how reliable it is.

 

I'm off to find the link! :-)

  • Haha 1

edinburghbeerbucket :D

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Hi EBB

Thank you for your help and advice, I am so confused with all of this I am terrified of making a mistake and losing everything (which would be norm for me).

As my normal luck would have it just as I was gathering everything that I needed together to take with me to Solicitor's appointment yesterday the phone rang "Hi this is solicitor's office just to let you know she has been called to court and your appointment has been cancelled" told her I had arranged half day holiday off work for appointment and she said she was sorry but she could offer me another for Monday morning, told her I needed it to be afternoon she said it would then have to be 5th December, pointed out that I didn't really want to wait that long and through no fault of my own the one I had had been cancelled told that if I can't manage mornings it's the best she could do. Phoned work and arranged for a day off and accepted Monday's appointment.

Not happy at all I had hoped to have some answers by now.

Still thinking of going for several summary cause claims though a little undecided.

I have been reluctant to do this in case after the first or second that my claim was declared finalised and I lost the chance to claim the full sum, but reading through a lot of the threads quite a few people have already gone down that road and been successful.

If I do go and seek legal advice from solicitor I will ask you to e-mail a copy so that I can print it off and ask about it.

 

Sophie.

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