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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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#LloydsTSB : Lloyds charges for unauthorised OD


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I have an account with LLoyds with NO overdraft facility. Throughout the history of the account, if any transaction would take me overdrawn lloyds would refuse the transaction and charge me £20.00 for the returned DD or standing order. It only happened twice in 3 years. Fair enough, I should have been more on-the-ball.

 

Over the new year bank holiday a DD took me £27.00 OD which Lloyds allowed to go through. By the time I learned of this, 4 days had passed before I was able to transfer funds into the account. Now Lloyds have charged me £5 for the use of an unauthorised overdraft and £10 per day whilst I was overdrawn.

 

What can I do?

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suffer like the rest of us!!

 

there's nowt we can do about it as far as i know.

 

try £330 for one month o/d'd by 7.31 for for 22day!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have an account with LLoyds with NO overdraft facility. Throughout the history of the account, if any transaction would take me overdrawn lloyds would refuse the transaction and charge me £20.00 for the returned DD or standing order. It only happened twice in 3 years. Fair enough, I should have been more on-the-ball.

 

Over the new year bank holiday a DD took me £27.00 OD which Lloyds allowed to go through. By the time I learned of this, 4 days had passed before I was able to transfer funds into the account. Now Lloyds have charged me £5 for the use of an unauthorised overdraft and £10 per day whilst I was overdrawn.

 

What can I do?

 

I think you have three options.

 

1. Do nothing because this has "ONLY" cost you fifty quid and you won't do it again will you.

2. Write politely, explaining the circumstances and that you are a very good customer and would they please waive the charges on this occasion - after all, they usually bounce OD payments so why have they changed their procedure?

3. Close your account and tell them why...

 

I personally, would try option two and if they refuse go straight to option three.

 

MHO only!

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You MUST complain to the bank, preferably in person, go in, statements in hand and what it is you want them to do to rectify the problem.

If they don't or won't refund you the charges, then ask to speak to the manager, or someone else of a senior position, if they still will not back down ask them who it is you need to speak to to have the money refunded.

 

Pretty much you need to exhaust their complaints procedure, open another bank account with someone else, and vote with your feet.

 

Every bank charge Lloyds have taken out of my account, I have successfully demanded back, in fact up until now they have simply opted for the peaceful life and given me back my money.

 

The final straw being that although I have an agreed overdraft of £50, if I use anything more than £10 of it they charge me £5 flat rate! This is currently in the process of their complaints procedure, a new bank account has been opened and I am ready to vote with my feet.

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...

After a couple of letter to and fro (hardship plea, good customer etc.) , I received a letter from Lloyds stating they would NOT refund any of the charges and that I should take it up with the Banking ombudsman.

 

I wrote back saying that I would now be requesting a SAR for the 4 accounts I held in the past including a personal loan account with PPI.

 

A week later they refunded the charges!!!!

 

Still going ahead with the SAR.

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well done

 

great result

 

i've got to admit this is the second time i've heard of the refunding this week

 

are lloyds having a slight guilt trip?

 

BTW: what letter did you send regarding the chargs...i might try it myself!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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That is Excellent news!

 

Now vote with your feet and open up a different bank account, and as you now have the bit between your teeth get reclaiming those charges and fees when your SAR comes through..

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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Well done - I too have had charges refunded when being determined with my complaint - currently awaiting outcome over charges incurred when they set-off. Like you will threaten with SAR and FOS.

 

Wonder if this is a sea-change from LTSB, as generaaly being nice to me now. Still not banking with them

 

Intend

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Bazooka Boo

I already have.

 

 

dx

I initially sent a basic hardship letter taken from the templates off this site. Then I sent a letter offering £20.00 with the balance to be refunded.

 

When Lloyds stonewalled me I simplly sent this:

 

 

Lloyds TSB

Charlton Place

SP10 1RE

 

11th May 2011

 

Your ref: xxxxxxxx

 

Acc no. xxxxxxxx

 

Dear Mr. Stephen,

 

Thank you for your reply dated 3rd May 2011, to my letter of complaint regarding the excessive charges levied by you on my current account.

 

I have been reviewing the bank’s conduct across all of my Lloyds accounts – both past and present – and have decided to submit a Subject Access Request under the Data Protection Act 1998.

 

This will be sent to the Data Controller at Lloyds TSB and will cover all of the six Lloyds accounts which I hold or have held.

 

So whilst your suggestion to contact the FOS is welcomed, at the moment it’s a little premature.

 

 

Yours sincerely.

 

 

 

xxxxxx

lloyds SAR notification.doc

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