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    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
    • Hi,    I'm almost done. One question is should I include a header with " Claimant's Trial Documents" or something similar and include a copy of my WX from the trial since that has the claim form defence and documents that were relied upon at trial so that the judge can see that? or should I assume they will already have those documents on the file and so simply include a short statement of case to show the case I intend to prove at the appeal should permission be granted. Since I've made a shorter concise statement of case setting out what I intend to prove at an appeal hearing I'm thinking maybe removing the header of "Documents/Exhibits for use for Permission to Appeal   " since the permission to appeal focuses on the grounds of law and so I'm thinking of just having   Appellant's documents Statement Of Case Skeleton Argument    Then a seperate category named Trial Documents Claim Form Defence Claimant's Witness statement Exhibibts to Claimant's trial witness statement   I'm wondering you think would be better, only because I don't reference a single exhibit in my appeal statement of case since I am just explaining the undeveloped points of law around why the judge is wrong since the  statement only focuses on permission, not the outcome of the appeal so there is no reference to any exhibits?   Or should I just remove exhibits and not add trial documents or exhibits on the understanding the judge will already have the trial documents and that if permission is granted I then include them in my appeal bundle.   Thanks   N/B My statement of case doesn't have the claim form or defence or any witness staements in. it is simply a short 4 page document setting out the claim history and the points I intend to prove at the final appeal hearing should permission be granted.
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CO-OP OD all charges - and Loan to pay off OD...


phatram
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I feel your frustration! So in over three years no-one has done anything, I hope you have reported them and the bank to the OFT/TS/and kept up the pressure on the FOS to do something..

 

You could try the FCA too.. http://www.fca.org.uk/consumers/complaints-and-compensation

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...
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Gone back through reams of papers and discovered that we SARd the Co-Op in 2006. They never complied. Should we SAR them again?

 

Just a quickie, is this still an acceptable SAR?

 

 

DataProtection Act 1998

Subject Access Request

 

 

 

 

 

Dear Sir/Madam

 

 

 

Please supply me with a complete list of transactions and charges relating tomy banking history with your organisation. Alternatively,a complete set ofstatements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over thisperiod which has required manual intervention by any member of your staff, orany other person, I require disclosure of any indication or notes which haveeither caused or resulted in that manual intervention, or other evidence ofthat manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manualintervention, then please be so kind as to confirm this in your response.

 

 

 

I also require written transcripts of any telephone callsregarding the consolidation loan sold to me.

 

I enclose the statutory maximum fee of £10. You have 40 days in which tocomply. Furthermore, if I discover that you have levied disproportionatepenalties against me which have or are causing hardship, then I shall be reclaiming them, and also reclaiming theenclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourselfas to my identity, please let me know by return. However, please note that theabove address is the one which you normally use to communicate my privatebusiness to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

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If you have a record of this, then I would be reminding them of it, and informing them that six years is plenty of time in which to have sent you the SAR, if they won't then I would be asking them for my £10 back, BUT it will include interest also.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

Ha ha. Lowlifes still sending out puerile missives.

 

And surprise surprise it's the 'Discount' letter too!

 

Ignore them, file it away with the rest of them.

Await your SAR.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Deliberately misleading and purposefully confusing.

 

Once again lowlifes are attempting to exploit the debtors lack of knowledge.

So they send you a missive using their trading name of Red then follow it up with a letter using their actual name??

 

Lodge a complaint to the OFT&TS.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Wow

 

Its only taken them 349 days to tell you officially.

 

And this alleged debt is made up completely of bank charges and interest which we were in the process of claiming back years ago.

 

SAR has arrived from COOP.

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Trawl through it, and get reclaiming all those fees/charges...

 

Tell lowlifes the debt is non existent and has been disputed with the OC ever since they claimed you owed it!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Had a quick look through SAR stuff and all they've sent is copies of loan agreements and copy statements. There's no copies of letters, transcripts of phone calls for the setting up of the consolidation loan or about my trying to cancel the "packaged account" with "free" car breakdown cover (we don't drive and have never had a car).

 

 

I will be sending a non compliance letter.

 

18 February 2009

 

The Co-Operative Bank

Balloon Street

MANCHESTER

M60 4EP

Account No; ****************

Dear Sir,

Could you please change the above Privilege Account into a normal account as the privileges offered do not relate to our needs.

I trust this is to your satisfaction.

Yours faithfully,

 

 

The bank refused to change the account so they were getting £12 a month for what?

 

 

Looking at the statements I can see numerous occasions where the bank took the loan repayment out of our account and then put it back as it took us over our O/D limit, they then of course charged us for doing so.

 

Just for reference I read on "Which" site something about miss-selling of consolidation loans where they were sold to pay off a short term debt (O/D) with a long term one (loan).

 

Lowell

P.O Box 172

Leeds

LS11 9WS

 

 

I ACKNOWLEDGE NO DEBT TO YOUR COMPANY

 

 

Dear Sir/Madam,

 

 

I am writing to inform you that once again the Co-Operative Bank has failed to comply with my Subject Access Request.

They have also failed to follow the guidelines issued by the ICO and should not have shared my data with a third party.

I have informed you of this previously on numerous occasions and yet you continue to harass me.

 

I require from you confirmation in writing that you accept the accounts in question are in serious dispute with the Bank and that you should not be in possession of my data.

 

Yours faithfully

 

How's that read? Anything I should add? & why on earth can't I change the font size on here?

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phatram, in the right hand corner of the reply section you will see A/A

 

if you click on that before copy and pasting, then you should be able to change font sizes.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Todays offering,

 

 

FROMLOWELLSreCOOPSARJAN2014_zps93328f9a.jpg

 

Just for reference I read on "Which" site something about miss-selling of consolidation loans where they were sold to pay off a short term debt (O/D) with a long term one (loan).

 

 

Has anyone else any experience of this?

 

Todays offering,

 

 

FROMLOWELLSreCOOPSARJAN2014_zps93328f9a.jpg

 

 

Is it correct that if there were more than three default charges (late fees) on the current account O/D the COOP were wrong to sell it on to any DCA?

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Is it correct that if there were more than three default charges (late fees) on the current account O/D the COOP were wrong to sell it on to any DCA?

 

Not 100% certain what you mean?

But if you mean that the sale of an account littered with fees/charges is not allowed then, almost all accounts are sold with these fees which artificially inflate the total amount owing.

 

FPC have a cr@pital 1 card of mine which is inflated with unfair fees & charges, they get £1 a month until I have paid the amount I owe, I have never paid fees or charges yet.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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There is the point that the ICO Technical Guidance on Defaults states 'if a default sum is made up of charges without which the account would not have been defaulted, NO default should be placed'.

 

The OFT lost the landmark test case on bank charges, so as CB says no reclaim.

 

 

Think it was this.

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  • 5 weeks later...

If you have specifically requested them then yes.

 

However, the statement 'All calls are recorded' is IMO a misnomer, used as a kind of threat to try and catch you out. Although I don't disagree it does happen, I am unsure as to how long they are likely to keep the recordings?

Might be something under the DPA regs?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Absolutely bog standard. Confirmation that Lowell have run out of ammunition and don't know what to do other than pass you around their puppies. You may get a second letter from Atlantis [as another poster called them] entitled "Notice of Intent to Start Debt Collection Action" but they give up after that.

Advantis senior staff include some Lowell drop outs, gone to seek the good life in Stoke.

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I wondered what Lowell had done with the other account and then this arrived today,

 

 

FROMFREDSRELOWELLCOOP31STMARCH2014_zps7b0e75e3.jpg

 

 

 

 

This is the second time this has been with these muppets.

 

 

The first time they returned it to the CO-OP as shown in the thread below.

 

 

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?235045-US-v-Fredricsons-Coop

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