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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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Bankrupt ! Can I still reclaim Bank Charges???


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Does anyone know the situation arround claiming bank charges back if one has been forced down the sad road of bankruptcy ??? My financial advisor will propose to the court that I get a reduced amount (£15,000 reduced) to repay my mortgage to make it possible. If that goes through... am I still - or not - in a possition to claim the unfair charges? They were certainly not responsible for my present financial MESS but the banks monthly £500 charges, because I am in such a mess, have not helped!!! to say the least... please offer advice because I do not know. If I claim and get it... will it be just deducted from the £15,000 anyway - so would this be a waste of time? Thanks.

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Does anyone know the situation arround claiming bank charges back if one has been forced down the sad road of bankruptcy ??? My financial advisor will propose to the court that I get a reduced amount (£15,000 reduced) to repay my mortgage to make it possible. If that goes through... am I still - or not - in a possition to claim the unfair charges? They were certainly not responsible for my present financial MESS but the banks monthly £500 charges, because I am in such a mess, have not helped!!! to say the least... please offer advice because I do not know. If I claim and get it... will it be just deducted from the £15,000 anyway - so would this be a waste of time? Thanks.

 

I don't understand what you mean by reduced amount. And are you not already claiming charges?

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Hi lyn-marie & emijen,

 

lyn-marie, I must admit I don't understand what you mean by 'a reduced amount' either, maybe you could explain further. Are you saying that you were in debt to the bank by £15,000 at the point of bankruptcy or are you not yet bankrupt? Also, haven't you already started claiming charges back?

 

Regardless, whilst you are an undischarged bankrupt all money you receive over and above the basic amount required to live on will go to the Official Receiver handling your bankruptcy. If you were successful in re-claiming charges from your bank, they themselves would not be able to take the money for themselves to repay any outstanding amount you owe them. As a condition of your bankruptcy you are obliged to declare this money to The Official Receiver who will then divide up the money proportionally between your creditors starting with priority creditors (Usually banks and mortgage cos!) so they may well get it back anyway depending on the particulars of your bankruptcy.

 

If I'm wrong about any of the above, hopefully someone here will put me right but this is how it was a few years ago.

 

emijen, How far back do the bank charges you would like to claim from your bank go back to and when will you be discharged from your bankruptcy? My advice would be to wait until you are discharged and then claim. If it's February next year then you've only got 6 months and then any money you receive as a discharged bankrupt is yours :-D

 

Hope this helps.

 

Minnie

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Surely if someome is bankrupt then all their debts have been written off regardless of how they have been made up. Therefore I can not see how they could reclaim bank charges as they have not been paid ie

already written off by OR

 

If however charges made up a lare proprtion of hte debt before BR then the claimant would have a whole diferent case.

 

This needs a mod to clarify

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thanks for the advice everyone,

i will be discharged in february 2007 so it is only a few months left, was hoping to go for the whole 6 years worth of charges out of principle, my bank was so unhelpful when things got really bad!

Gizmo, i totally understand your view and i have to admit an unaffordable loan and credit cards were my main cause of bankruptcy, unfortunitly i went to the bank for advice rather than an advisor and instead of helping me out of debt they advised a massive loan was my only option, in fact it was so unaffordable i had to promise them that i would reduce my phone bill and cut out my mobile so that i could tick all the right boxes and get the loan, as stupid as it sounds, i should have known better but i had no food in the house and 3 kids to try and feed so i needed a quick fix, biggest mistake of my life!

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Oh just thought! OR wrote off loans and cards, but i had no debt with my account so i have paid all my bank charges! didn't have so much as an overdraft just getting £30 charges every other day for being skint! does this make any difference?

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Oh just thought! OR wrote off loans and cards, but i had no debt with my account so i have paid all my bank charges! didn't have so much as an overdraft just getting £30 charges every other day for being skint! does this make any difference?

 

Seems so but I owuld wait until Feb if I was youy.

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I am sorry to have caused confusion... It is my friend who is having to take the sad road of bankruptcy. |I put this in the first person to try to avoid confusion and seem to have made it worse! Anyway, some of his questions have been answered, I will just relay your replies back to him. Situation is... He has got into such a mess now with credit cards, exceeding overdraft limits, loans and mortgages to the max that there is no way to keep up with repayments and nowhere else to turn. The financial advisor says bankruptcy will result in reducing amount owed for mortgage to bank (for example) can be reduced by £15000. That bank has applied charges of £500 per month for last good few months. So each time they get paid the money goes out before they even start with repayments and living. That is of course excluding interest on everything. My heart breaks for them really. My friend is saying it is a waste of time trying to claim the bank charges as I have been pushing for them to do (thanks to this site) caus anything claimed will go straight back to the bank. Hope this makes some kind of sense; I have confused meee. I am doing this on their behalf because their phoneline has been cut off and therefore no life line - internet! Any advice is welcome thanks

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I am sorry to have caused confusion... It is my friend who is having to take the sad road of bankruptcy. |I put this in the first person to try to avoid confusion and seem to have made it worse! Anyway, some of his questions have been answered, I will just relay your replies back to him. Situation is... He has got into such a mess now with credit cards, exceeding overdraft limits, loans and mortgages to the max that there is no way to keep up with repayments and nowhere else to turn. The financial advisor says bankruptcy will result in reducing amount owed for mortgage to bank (for example) can be reduced by £15000. That bank has applied charges of £500 per month for last good few months. So each time they get paid the money goes out before they even start with repayments and living. That is of course excluding interest on everything. My heart breaks for them really. My friend is saying it is a waste of time trying to claim the bank charges as I have been pushing for them to do (thanks to this site) caus anything claimed will go straight back to the bank. Hope this makes some kind of sense; I have confused meee. I am doing this on their behalf because their phoneline has been cut off and therefore no life line - internet! Any advice is welcome thanks

 

I still don't understand - if you are bankrupt then financial advisors have nothing to do with the court, it is all amnaged by the OFFICIAL RECEIVER. All assets are taken to pay creditors. If assets exceed debts then the person is not unsolvent. there is no such thing as part bankruptcy. If the house is in joint names then the benefiacial interest will be offered to the partner usually at the reduced rate that would be acheived in a quick sale. I hope your friend is not paying this so called advisor for his strange advice?

 

I would suggest that your friend adds up what the banks owe him, what he owes now and what he will owe after they have paid. Changes bank accounts as a priority so his essential outgoings are paid and he has mone yto budget, in the meantime offers creditors pro rata reduced payments and then re addressess his situation in six monthsa time. If you feel uncomfortable putting details on here then feel free to PM me.

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