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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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head in the sand.


grpro
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Thanks

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Hi all,

 

I am currently beginning to face up to the facts that I need to deal with my debt again. I was on a dmp with payplan for just under 2 years. I missed a couple of payments which I explained , then tried to deal with it myself. Big mistake.

 

With lloyds I had cc and current account. I never really checked either account when on payplan as thought they dealt with it all. However have discovered that payplan didnt always make the payment on time due to holidays.

 

lloyds though had agreed to stop charges but still added interest. Both accounts have increased while dealing with payplan as charges added are obscene(not much on the cc though).

 

I recently had a phonecall from apex dealing on behalf of lloyds saying they were dealing with both accounts. I made a payment to them and also asked if they could send me statments due to lloyds stopping access to internet banking and when going into branch stated account was closed. I recieved statements for classic account but not cc. I have not heard from apex since payment made in mid feb.

 

Then today I have recieved a phonecall from allied ( cheeky at that) demanding full payment for my classic account.

 

Is there any likliehood of getting charges back(£650) as payplan had stoppped charges or Is it a waste of time and possibilities of making them an offer .( sorry for the length, not great at writing)

 

also got charged for them taking money to pay cc causing to go over overdraft. can you fight that

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You need to keep the two accounts seperate

First the current account - it sounds as though the account is live and kicking if they are still making charges & interest. Have you received a termination or enforcement notice for it?

Do you have the agreement for no charges in writing?

Was the payment they took for the CC from your current account that caused so much grief authorised by you (direct debit) or did they just take it anyway?

The fact that you were in a dmp should have made them treat you sympathetically, but this is Lloyds we are talking about who will no doubt say they have done nothing wrong. They should have sent statements if the account was open. If it wasn't open there should be no fresh charges or interest.

As for the credit card, charges will be reclaimable. the same comments & questions apply as the current account.

Give the additional info here first.

Then start a complaint with LTSB re the above. They will dismiss it, but then send to the FOS.

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They are no longer making charges or adding interest, there was no notice of termination of my account . They never gave me anything in writing about stopping charges but when I spoke to them on the phone the person dealing with my account said there was a note on my account saying no charges(this was long time back,at the beginning). The payment was taken from current account to pay my credit card without my authorisation which then took me back over overdraft limit. This then caused more charges even though they must have known this would happen.

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The credit card started with a limit of £500 I then increased it to a £1000. When I started struggling to make payments before dmp they sent me a letter stating they were reducing my limit. The balance on the card is now over £1200 even though was on dmp for nearly 2 years they never stopped interest and still added charges. Apex never sent me statements for the cc even though I asked for both. From some of the statements I still have they added late payment fees on all the time. Are these the things that I might be able to get off the balance to help reduce it.

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grpro Hi.Can I ask you to keep of the telephone to the banks and DCAs you must get everything in writing.

 

If the bank has OFSET money from your current account to pay the credit card and this has put you into overdraft and then charges,use the banks complaint procedure.OFSET does not contravene OFT guidelines but OFSET by putting you into debt and charges is.

 

Write to the bank using their complaints procedure(ask the bank for this if you are unsure of how to go about this),or write to their customer services dept,with a letter along the lines of

 

I refer to account numberxxxxxxxxx and credit card numberxxxxxxxxxxxx .

 

It is beyond my understanding how you can take money from my current account to pay my credit card account,which then takes my current account overdrawn and I incur charges.

May I remind you that this complete disregard for OFT guidelines and European Directives 2011 on this very subject is unacceptable.

 

Please refund ALL charges and I require my Bank account to be returned to credit,should you feel unable to comply with my request,I will register my complaint with the OFT and ICO without further warning

 

A letter along these lines

 

Regards FS

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thanks for the reply firstship. I have lots of charges before this happened on the cc for late payment. Do you have to send sar to claim cc charges back.

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thanks for the reply firstship. I have lots of charges before this happened on the cc for late payment. Do you have to send sar to claim cc charges back.

 

Ho grpro

 

If you have all the statements then you will not to send a sar becuase you will have all the details on those statements.

 

If you do not have all the statements then you will need a sar to get them.

 

ims

 

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I have written a letter about all this now . Would I be best putting it up here or sending it to someone to proof read as it has certain dates and figurest on it . Really looking for better wording and not sure how strong to make my letter plus dont know how to go about making an offer as have some money to pay some of this.

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Hi there

 

Post it up here minus any personal details. You can leave dates and figures in....nothing wrong with that. Having said that, if you don't want to put exact dates and figures in open forum, change the dates and the figures or "XXXX" them out.

 

Posting here helps others who may be in a similar situation and you will get opinion from more than one member.

 

Hope this helps

 

ims

 

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Here goes..

 

customer complaints lloyds

 

Dear sir/madam

 

I refer to account number xxxxxxxxxxxx

 

 

As I am sure you are aware I was on a debt management plan with a comppany called Payplan. It was my understanding that Lloyds and Payplan had arranged that charges on my account were stopped to help me resolve my situation.

 

My problem started when there was a transaction processed by ( credit refrence agency) on the 3rd of March 2009. I believed this was a free credit report, however I now know this was not free and the sum deducted caused me to go overdrawn beyond my overdraft limit by £1.01.

The charges applied to this account from then have been extremely detrimental in the efforts I had made to resolve my situation.

 

I feel that the charge applied on xxx of April 2009 of £135.00 is very severe as was still making my regular payments and could never afford to pay more as was paying Payplan everything I could, thus meaning I was unable to get back within my O/D limit. This resulted in another charge of £25 on the xx of June 2009 further reducing my possibilities of ever resolving this.

 

I note there were no more charges for several months due to an increase in my overdraft limit to stop anymore charges. There was then a transaction on xx december 2009 of £ 20.17. I never authorised this. The credit card I have with LLoyds had removed this money from my account despite me still making regular payments through Payplan. This transaction then resulted in unplanned overdraft fees being added to my account to the sum of £200 and added to my account on xx of february 2010. From the copy statements I have there is no O/D limit on this page to show if I had gone over limit, which I find strange as the majority of the sheets you supplied Apex with do. The statement sheet is number xx and issue date xx/xx/xxxx, but I can see the O/D from the following statement sheets numbered xx and xx has increased dramatically from sheet xx.

 

It is beyond my understanding how you can take money from my classic account to pay my credit card account, which then takes my classic account overdrawn and I incur charges. May I remind you that this complete disregard for OFT guidelines and European Directives 2011 on this very subject is unacceptable. OFSET does not contravene OFT guidelines but OFSET by puting you into debt and charge is.( not sure on this as was in o/d so technically am I not already in debt and they are just adding to it)

 

I am really looking to resolve my situation as you are aware as have made payment through Apex to the sum of £xxx.xx when I could afford to. I also understand that you have passed me on to another company now.

 

I strongly feel that theese charges are excessive and unfair as regular payments were being made through Payplan and charges resulting from the credit card collection should not have happened at all. I look forward to your response on theese matters so we can resolve this situation.

 

yours sincerely

 

hacked off grpro

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added up the charges again 1 was reduced for some reason I cant remember why from £75 to £25 so diff figures from my very 1st post

 

any ideas on what I should perhaps change

Edited by grpro
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Hi grpro

 

To me the letter looks fine and puts the ball in their court for them to respond.

 

I would seriously think about claiming back the charges and associated interest on the credt card as this will have an efect on the amount you owe.

 

Do you have ALL he statements for the credit card? If not you will have to do a sar as mentioned in previous posts.

 

Also, if you are getting phone calls from a dca, do not talk to them on the phone. Do not answer their security questions just tell them you want everything in writing only and hang up.

 

Hope this helps

 

ims

 

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cheers ims letter getting posted what about the ofset is that still applicable to me even thogh I was in overdraft but seems they have put me over limit?

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cheers ims letter getting posted what about the ofset is that still applicable to me even thogh I was in overdraft but seems they have put me over limit?

 

Hi

 

While they are allowed to set off, it is against the OFT guidelines to do so if it creates a debt and directly causes a situation where charges are incurred as a result of the set off. So yes, complain about that as well.

 

ims

 

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  • 1 month later...

hello folks,

 

got a response today by letter offering me over £650 of which £50 is for distress and inconvienience which will be sent to me by post in the way of a personal cheque..this includes interest which was also applied along with the charges. they agree it was there fault and regret doing this . they have also refunded all charges and intrest since feb 2009 . IT SOUNDS AS THOUGH I GOT EM BY THE SHORT AND CURLY ONES. HOWEVER THERE IS NO MENTION OF DEFAULT NOTICES AND THE REMOVAL OF . I am still a bit unsure however there is no mention of a balance still to pay . Dont want to sound greedy but £ 50 for all the hassle doesnt seem much considering all the sleepless nights i've had or should i be happy .

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Hi grpro

 

Hope you're well.

 

This sounds like a bit of a result then.

 

Tell me, is this repayment in respect of the charges on your current account only? If so, from the figures you mention earlier on in the thread it sounds like a result to me. It is up to you of course if you want to push for more but to get them all back and the interest plus £50 bonus doesn't sound bad on some £600 of charges.

 

Bear in mind you will also have the credit card claim to do (if you so wish) which will bring more back.

 

Did you mention the default notcies in your correspondence with the bank? I can't see reference to it in earlier posts

 

Regards

 

ims

 

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will need to write or phone to ask for default notices to be removed as hadnt actually included it in this letter was getting mixed up with something else. Thought about it a bit more last night and reckon I got more than I had expected so will accept the offer and just hope they do what they say they will. Can I thank you all for your help and support in assisting me on this one lets hope my next couple of battles get similar results. This was my current account so credit card next which by coincedence recieved a letter this morning of a reduced sum to pay???

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