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    • Thanks everyone. Will speak with the manager first chance I get later today and let you know.
    • own topic created  tnx the info. dx  
    • this debt: MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?    
    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver ,the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Successful Claims

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If you have been successful in your claim with Alliance and Leicester but the thread title doesn't show **WON** or **SETTLED** can you please send a private message to one of the mods to change the title and put it in the successes sub-forum.


This will give other users an at-a-glance guide to other cases that have been won and may just give them that extra little bit of confidence needed to pursue A&L themselves.


If you can't PM a mod for whatever reason then just reply to this thread.



BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.


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  • 3 months later...

A&L S.A.R - (Subject Access Request) sent 6/10/06

Chq cashed 18/10

STATEMENTS arrived 27/11/06

Prelim letter sent 29/11/06 £461


Capital One X 2 S.A.R - (Subject Access Request) sent 12/10/06

Cheques cashed 28/11

Prelim sent 29/11 £276

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I have not started a thread re my claim against A & L. It was a small claim and I knew all the procedures from my claim against Nat West.


Anyway I won £188 (£150 + interest/MCOL costs) and thought you might like to know. I have added successful claim to the survey.



Nat West, * WON *, 10/2006, £1287

A & L, * WON *, 11/2006, £188

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Hi All,


just claiming my charges and submitting my claim to court, trying to work out if I can claim any more interest, the account is quite new, so not sure about compound interest...any one with any ideas, sorry not used to all these facts and figs?

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  • 2 weeks later...


spacer.gif Bootle: Sefton Metropolitan Bo, Town Hall, Lord Street, Southport, Merseyside

spacer.gif Postcode:







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Hello, after a month away, found telephone and computer disabled - it's taken 8 days 'til this evening for all to be restored.

Would Caro or someone kindly move this to correct place,please. I want to tell the world I have won: A&L cheque(hopefully unbounced, I'll soon know)for £2389.44 received(as Battleaxe, dear lady, heard me screech down my mobile) against claim of £2362.16, on 24 January.

Asked at Court if I should return the £17.28 overpayment and was looked at strangely by Clerk.

'No', said she.


It is so wonderful. I am trying to find my way to making donation, but just get 'You do not have enough privileges'etc note when trying to access other areas.

My apologies for any inconvenience I am causing by posting here.



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  • 4 weeks later...

Alliance & Leicester




Recieved the cheque today, two weeks after issuing my claim with MCOL.


The standard "no liability" letter, plus the "future operation" bit. I have written an acknowledgement, quoting the recent FSO ruling and pre-announcing my intention to report to the FSO if (when) my account is closed.

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Hi guys, just in the process of filing the small claims court N1 form but just wanted to ask a few things if anyone can help. On the bottom of the form it has a space for solicitors fees, and i wasnt sure what to put in there as i was hoping there wouldnt be any! Also the interest charges that you claim back does that include the standard monthly charge that they issue for being in you overdraft? :confused: Any helo would be much appreciated, cheers.



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  • 2 weeks later...

I've got my £2315.00 from the theiving monkies!!! had to file court action though.... A&L make life as difficult as possible. If you are still trying to claim your money back keep going they pay up in the end!!!

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Hi all,


Following earlier success with Lloyds have just received the full amount from A&L but only after we filed in court. They said the usual 'no admission of liability', 'no sign of weakness', 'charges are fair' etc etc but coughed up anyway!

Subsequently, however, they have now followed up with another letter saying the account is to be closed because we 'clearly do not accept certain aspects of their terms and conditions' and threatening default status being registered with a credit refererence bureau if we can't immediately repay any outstanding balance and have to make repayment proposals! Talk about bad losers or what!

I am not one to lie down easily and now intend to take the petulant b*stards to the Financial Services Ombudsman because this is nothing short of retaliation and a thinly veiled threat for them being found out! Can anyone point me in the right direction?






Keep up the fight, remember it's your money!

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I won my claim against the A & L. They submitted my cheque 2 days pior to the court cut off date. Yes, I used Money Claims on Line and wrestled with the site and the address of the defendants but eventually it was all worthwhile both financially and just to have a moral victory against a large institution

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  • 3 weeks later...

Hi SamI wrote to them again stating that I would be taking court proceedings, left it for 5 days and then lodged a claim using the On line Claims facility; they responded to the court they would be fighting the claim and rescinded at the last minute and sent me a cheque.I hope this helps and Good Luck

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Hi SamI did not use a template - from memory, all I said was something to the effect that "I consider I have been fair and reasonable in trying to settle this matter amicably. I now intend to invoke legal proceedings to reclaim these illegal charges"I hope this helps

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Hi Sam, I had the letter you received aswell (I think it's one of their standard issues) I sent them a LETTER before action expressing my disappointment that they had failed to respond positively. I stated that if monies are not refunded within fourteen days then I will initiate court proceedings for the full amount plus interest, plus cost without furhter notice. They test the water and hope that you will give in and go away, however don't!!!! Stick with it and see it through. You will have to apply to the court as they will send you a similar letter after they receive the letter before action. they will even state to the the court that they intend to defend their case, however this is all scare tactic's hoping that you won't see it through. They will pay out and you will not have to go to court. keep at them and don't give up, thats what they want!!!! Good Luck, Louisa

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  • 3 months later...
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