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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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      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.
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dchambers V Alliance & Leicester ***WON***


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28 days from when issued.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just asking

Is this the right part of the site to ask about Alliance&Leicester credit cards?

If so can you claim for late payments and going above the limit charges?

How do you sort out the extra interest they/ve charged when they charge for these charges?

Is this the 8% interest?

 

Diane

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Too true!!scary isn't the word.I'm terrified of anything to do with court etc but

if I've got to go I've got to go.I'm sick of people taking our hard earned money

and us having to work constant overtime to pay for charges.Overtimes OK when you can get a holiday or something for the house with it but to have to do it to live and pay charges just stinks

 

Diane

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This is where I'm up to now

21 Aug Sent Request for payment of charges

 

25 Aug A&L replied saying no

 

4 Sep LBA sent

 

6 Sep A&L still saying no

 

15 Sep Money claim sent

 

18 Sep claim issued

 

22 Sep A&L acknowledged claim

 

26 Sep recieved letter from court for acknowledgement of service with box ticked for I intend to defend all of this claim signed by Ian Brunt A&L solicitor

 

 

Does this sound like all the other claims?

 

Do I wait 28 days from 18 Sep when issued

or 28 days from 22 Sep when acknowledged

 

This sounds the same as the claim i did....

Just need to wait now

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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Just asking

Is this the right part of the site to ask about Alliance&Leicester credit cards?

If so can you claim for late payments and going above the limit charges?

How do you sort out the extra interest they/ve charged when they charge for these charges?

Is this the 8% interest?

 

Diane

I believe that their credit cards are run by MBNA now, although it used to be A&L themselves. There is a forum for MBNA, but the principle is the same and some people have got excellent results by sending one letter and a phone call, and they will calculate it all for you including contractual compound interest which bumps the claims up quite a bit. leebrennan claimed from A&L and also had a cc thread for MBNA and was very successful.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro

The reason I asked the question is that last night about 8.30 pm I got phone call from MBNA[i think]saying that I was in arrears for £20.42 on my repayments on my credit card.The fact is that A&L take £32 a week out of my bank as agreed with them some 12 mth ago to pay my card off.

They bounced a payment for £32 and charged me £34 on the same day and are now for some reason demanding I pay arrears of £20.42 or they will send my account to a bad credit file!!!

I explained that I wanted it in writing as to where these arrears had occured and that I wasn't prepared to pay on my debit card over the phone for something that I didnt have in black&white as there were too many scams going on

The lady [who was a foreigner] and I had difficulty understanding her] wasnt pleased and said that I would be put on the bad credit file and that it would be a very silly thing to do

I explained that it would be a very silly thing to do to pay it without a bill and proof as to who it was that was phoning me

This made me decide to look up the charges on my statements and I have come to the total of £1000 and thats with some statements missing so as soon as I have some end to the claim already in,then I intend taking the cheeky buggers for these charges

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Good for you, dchambers.

 

I am just beginning this business with the proviso that A&L deny receiving the initial form and Appeal letter their Helen Clarke instructed me to send on 8 September.

As they also cut off my Internet Banking during my 6-weeks' absence, I am unable to know what they have done/are doing, but money still goes in fortnightly and the account is in credit, though not responding to Hole-in-wall.

I have heard nothing from them since my return.

SO , IT'S COURAGE AND ENDURANCE TIME.

YOU HAVE IT!

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Hi Diane

 

Your moneyclaim is exactly the same date as mine. Issued defence on the 18th of September so would have due 16th October. I received a cheque on 29th September for the total amount plus the £120 moneyclaim fee. They didn't pay the 8% thats added on in Moneyclaim and apparantly I can continue and claim that as well.

Good luck

Rob

6/06/06 Data Protection letter sent, 18/07/06 Statements Received Total Charges £1,543.25. Int £366.13, 01/08/06 First request for repayment sent, 03/08/06 No you can't have your money letter received, 31/08/06 sending LBA, 05/09/06 Our charges are fair letter received, 14/09/06 Moneyclaim filed, 18/09/06 A&L say they will defend.[SIZE="1"][/SIZE] 29/09/06 Settled without interest, 6/10/06 Letter to A&L requesting further payment of £362.47 to settle

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Thanks Caro

The reason I asked the question is that last night about 8.30 pm I got phone call from MBNA[i think]saying that I was in arrears for £20.42 on my repayments on my credit card.The fact is that A&L take £32 a week out of my bank as agreed with them some 12 mth ago to pay my card off.

They bounced a payment for £32 and charged me £34 on the same day and are now for some reason demanding I pay arrears of £20.42 or they will send my account to a bad credit file!!!

I explained that I wanted it in writing as to where these arrears had occured and that I wasn't prepared to pay on my debit card over the phone for something that I didnt have in black&white as there were too many scams going on

The lady [who was a foreigner] and I had difficulty understanding her] wasnt pleased and said that I would be put on the bad credit file and that it would be a very silly thing to do

I explained that it would be a very silly thing to do to pay it without a bill and proof as to who it was that was phoning me

This made me decide to look up the charges on my statements and I have come to the total of £1000 and thats with some statements missing so as soon as I have some end to the claim already in,then I intend taking the cheeky buggers for these charges

 

It might be as well to write to them and tell them that you are placing the account in dispute as you do not agree with the balance due to unlawful charges and get the ball rolling. They should not take any action until the dispute is resolved.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just recieved reply to an email I sent to the MCOL claim

My claim was acknowledged by A&L on the 22 September with intention to defend and I am allowed to put in for judgement on the 22 October after 4pm unless I receive anything regarding going to court

Hopefully awaiting cheque!!!!!!

 

What do you think.Do I stand a chance????

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I will be gobsmacked if you don't!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just recieved reply to an email I sent to the MCOL claim

My claim was acknowledged by A&L on the 22 September with intention to defend and I am allowed to put in for judgement on the 22 October after 4pm unless I receive anything regarding going to court

Hopefully awaiting cheque!!!!!!

 

What do you think.Do I stand a chance????

 

You've prepared your case.

You've given the bank the opportunity to respond - twice.

You have right and the law on your side.

 

How can you lose?

 

I suspect you will get a cheque at the 11th hour 59th minute. I got mine just before I set the bailiffs on them.

 

Stay calm and follow the process - you're almost there.

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Thank you all so much for encouraging me

Its not easy to find these days that people stick together so much and help one another

If only the banks would be like us on the forum then they wouldnt have all the hassle of people asking for their own money back and having to research all the paperwork and paying the solicitors costs

Anyway after all my moithering I came home from work tonight to find yet another letter from the A&L

Oh hell I thought another letter for bank charges

But NO!!!!

A CHEQUE FOR MYCHARGES FOR THE LAST 6 YEARS!!!!!!!!!!!!

HOORAY at last I have some savings in my new bank account!!!!!

I'll be donating as soon as it clears and am considering 3 more claims for credit card charges,

As everyone kept telling me DON'T GIVE UP YOU WILL WIN IN THE END

and thanks again

I couldn't have done it without all of you

 

KEEP CLAIMING

Can someone put this on the successes for me please

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Guest Battleaxe

Well done Dianne.

 

I decided not to pick my lot one at a time, decided to go for broke withthe lot of them, so I am going to busy over the next weeks writing the letteers and filling in spreadsheets.

 

I am so glad someone has had their day made.

 

Phillipa

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Brilliant Diane. I am pleased for you. Don't forget the survey.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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