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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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SAR Follow Up


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Hi folks

 

I submitted my SAR to RBS on 14th March 2010.

I have had loans and credit cards all with PPI applied and I have some of the original statements and loan agreements but not all. Hence submitting the SAR. My credit cards and loans all ran between 1992 and 2002

I received a reply today from RBS in respect of the credit card statements.

They state "as the accounts have been closed for more than 6 years, we no longer hold information".

They did not provide any proof that the records have been destroyed even though I requested it in the SAR.

Is there anything else I can do or just accept that its out of time!!

 

Cheers

 

FMC

Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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Hello fmc,

 

RBS are a pain in the backside,

 

Please see this thread of my long battle and you will see that I managed to claim back several years. You may wish to use some of this information to back up your claim for information beyond six years. My Guess is if you apply more pressure through the FOS you will get a result. Please feel free to copy anything useful from my thread but using your own data to strengthen your case.

 

***RBS PPI Claim Long fight but, WON***

 

Long thread but I got back over £10k

 

good luck

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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alanalana

 

Thanks very much for your reply.

 

I decided to send them a follow up letter highlighting a few of the key points stated in my original SAR. I will put the letter in the post on Monday, however I have given them 14 days to comply and supply information previously omitted.

If they still fail to comply I will go to the ICO.

 

Cheers

 

FMC

Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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Hello fmc,

 

In my thread you will see I managed to claim back to 1997/8 so I recovered about 10 to 11 years worth of mis sold PPI. Do not on any account accept what they tell you. They will try and keep you off track to prevent you claiming what is rightfully yours ie Money they have taken through mis selling PPI on Loans, Credit Cards etc etc.

 

Keep at them. If they had my records back as far as 11 years you can bet they will also have yours. If they are adamant they do no have the records then put them to strict proof of destruction with the data protection officers signature attached to the certificate of destruction.

 

Make them work:eek:

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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alanalana

 

You must have read my mind.

 

Thats exactly what I put in my letter. If they are unable to provide the documents requested the I require proof of destruction, as per DPA.

 

I will let you know how I get on.

 

Cheers

fmc

Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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  • 2 weeks later...

I submitted a SAR to MBNA looking to see if any PPI was attached to my credit card. To my surprise I received full details, dating back 8 years, including my signed copy of what appeared to be the original agreement :shock:

 

However much to my surprise and disappointment there was no PPI applied to the card. :mad:

 

However on the SAR paper work, at the account opening, I discoverd I transferred the balance of two old credit cards to MBNA. One for Lloyds and one for Morgan Stanley. The full credit card numbers were on the paperwork also.

 

As a result I sent a SAR to Lloyds but they say it is not one of their accounts and provided details of two other insurance companies to try.

 

I did a bit of research on line about the credit card number and the prefix, 546780 is definitely Lloyds.

 

Anybody any advice on this one!?!??!! :-x

 

Thanks in advance

 

FMC

Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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If lloyd are saying it doesn't belong to them, but you know it does, you could speak to ICO, explain the situation and get them on the case. They will act on details given over the phone. They can fine Lloyds for not keeping proper records.

 

 

LloydsTSB - Beneficiary List

Edited by rebel11
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I finally received a reply from RBS, with regards to my SAR delivered on 16/03/2010, regarding my loans and current account dating from 1992. (The last loan finished in 2000 and I cannot ever recall closing the current account)

 

In their reply, which I think was laughable at least and very frustrating at most, they state all data older than 6 years will be destroyed in line with Group Records Management Policy. (Copy of reply attached)

 

I am now going to submit a complaint to the ICO but I cannot download any forms from their website.

 

Does any one have a copy of a complaints form, and if so could you let me know.

 

Many thanks

 

FMC

SAR Reply 11.05.2010.jpg

Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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I finally received a reply from RBS, with regards to my SAR delivered on 16/03/2010, regarding my loans and current account dating from 1992. (The last loan finished in 2000 and I cannot ever recall closing the current account)

 

In their reply, which I think was laughable at least and very frustrating at most, they state all data older than 6 years will be destroyed in line with Group Records Management Policy. (Copy of reply attached)

 

I am now going to submit a complaint to the ICO but I cannot download any forms from their website.

 

Does any one have a copy of a complaints form, and if so could you let me know.

 

Many thanks

 

FMC

 

see if this helps

 

 

Complaints about data protection policy - ICO

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 1 month later...

Hi folks

 

Took my eye off the ball slightly with my SAR's and I have let this drag on slightly.

 

I have a quick question I was hoping someone might be able to answer.

 

The accounts I require information on were closed over 6 years ago. The bank state they do not hold any info. I pressed them for proof of destruction and they replied:

 

"It is not bank policy to provide any information in relation to data deletion or destruction processes or procedures"

 

Must the bank provide a certificate of destruction or other suitable documentation?

 

Thanks in advance for your help.

 

FMC

Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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  • 2 months later...

Hi

 

Just a quick update with regards to my ongoing struggle trying to get information under SAR from RBS.

My original SAR was sent off in March this year. In reply I received a standard fob off letter stating that as my loans, current accounts and credit cards had all been closed for more than 6 years they did not hold any information and that it had been destroyed.

Following advice from members of this forum I kept pressing RBS for proof that my records had been destroyed. This resulted in a game of letter tennis between myself and the bank over the past 5 months.

 

Low and behold after almost 6 months, and contrary to what they had stated in all previos correspondence I received bank statements dating back to 1995 (account opening 15 years ago) and a loan agreement dating back to 1999 (11 years ago). Unfortunately they have not provided any credit card statements so looks like as a last resort I will be heading to court.

 

However the purpose of this update is to inform people not to believe what the banks tell you. They will do anything to try and throw you. If banks tell you that they do not hold records keep pressing them and go on and claim what is rightfully yours.

 

FMC

Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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