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    • Yep, I agree with what you are saying, I only mentioned the governing body code of practice as a nod to the fact that I wasn't dismissing the BPA or whoever out of hand, thought that would go in my favour before a judge. I wrote a long post about the BPA CoP earlier but then deleted it because I realised I wasn't talking about points of law but a set of guidelines drawn up by one bunch of charlatans for another bunch of charlatans. It is ludicrous that the 5 minute consideration period doesn't apply if the motorist parks, such nonsense. As for legislation, I was referring to the government legislation (if it is legislation?) document which has been withdrawn. Does that stand until it has been reintroduced? In the explanatory document it is quite clear. Otherwise, how does one hold them to the consideration and grace periods? Or is that at the discretion of the judge?
    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
    • Are you saying that both businesses were closed? Yet you stayed there for over two hours. . If both were closed than to charge £100 is a penalty since Horizon had no legitimate interest in keeping spaces clear for the company. sake as there were no customers..
    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
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SCM, Lloyds credit card and CCJ***PPI paid out in full***


nunnyrose
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Ok

 

Write to them and ask them to provide the full breakdown of how they have arrived at their figure. They should send you a detailed breakdown, charge by charge which shows how interest is calculated on each individual charge etc. It will look like a spreadsheet print out.

 

They do provide them when pressed as there is another case on CAG i have dealt with where they sent this information through.

 

We can then compare to see where the potential differences are.

 

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great, I'll do that now, but in the meantime can I ask them to pay me what they have offered so far as I'm a desperate lady (not the marriage bit lol ) pretty much living on air and porridge oats :violin:

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I would think that their offer came with a letter of acceptance which must be signed before they pay out.

 

That letter may well say that by signing it you are signing in full and final settlement of the PPI claim which would effectively close the door on a challenge after the event.

 

I understand that things are tough for you at the moment but would it be better to make sure things are right before accepting?

 

Incidentally, what is the amount they have offered?

 

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There is no letter of acceptance, or anything for me to sign as full and final

to quote " we are now making arrangements for the appropriate payment to be made to resolve this matter for you. The payment will be made within 28 days in the form of a cheques sent to your home adress.

important: please contact us as soon as possible if you do not wish to accept our offer on telephone numeber xxx

 

absolutely,I want to make sure things are right before accepting but it sure would be handy. I know they take forever to pay out, and even though they say 28 days I don't trust them.

I'm thinking that maybe I could try and play them at their own game and dispute the offer on day 28.

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so........... a cheque arrived today for the above amount. So much for 28 days, it's taken them less than a week !

If I bank the cheque would that be taken as my acceptance of their offer ? or could I say thanks for the part payment, now where's the rest ?

 

I haven't contacted them yet to dispute the amount as I thought I had time on my side, and even if I had it would have been in writing and so would've probably crossed in the post.

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To me it would be that the cheque is an offer to form a contract and if you bank the cheque your accepting the offer and thus the contract.

 

I would wait until they send you the detailed breakdown you have asked for.

 

The cheque will be good for six months.

 

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sorry, another question.

Just reading through their offer letter received last week,

it says :

Calculations

The calculation is as follows:

Difference between the actual and revised balance = £2xxx.00

Interest at 8%, calculated up until charge off date = £ xx.xx

Other indirect lossess = £ xx.xx

Total = £cheque amount

 

does this mean that I now owe a zero balance, because if so it's sorted, and I really am a dumb blonde !

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ok, but am I understanding correctly re post #34 above.

because if I take the outstanding balance on the card + their cheque amount it basically adds up to my claim amount, give or take £200.

 

(I guess you can tell I'm desperately trying to cash this cheque...:???: )

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Well normally they would give you the offer figure in writing and then explain how much of it they are going to use to set off against the balance.

 

Might be worth asking them if that is what they have done though but I doubt that it is.

 

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ok ims, but nothing is normal in my life....

after all, I didn't get the normal reply, no F&F settlement to sign And it's only taken a few days from offer letter to cheque arriving. I don't trust them but maybe just this once they're being honest, all be it in a very ambiguous way.

I'll ring them tomorrow ( making sure I record the call ) and ask them to explain. I let you know the outcome.

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well what a frustrating day I've had !

phone them 1st thing this morning and got passed from pillar to post. Nobody could explain to me what "Difference between the actual and revised balance" means.

so they then put me through to credit card department to try and find out what the current balance is on the card as this would answer my question. BUT, they failed me on security questions and locked me out of their system.

So they told me to go to my local branch of bank who would verify me and then they could answer my question.

I trot along to bank, who verify I'm me, and they then call the supposedly correct department... NOT! it was the PPI dept. again who couldn't help, so put me through to CC dept again who couldn't help because the verification process was done for PPI dept. So again the local brank called the cc dept who tried to put me back to PPI dept.

it all got very confusing, but eventually they agreed that they would send the breakdown of the calculation, and in the meantime I can cash the cheque and when I get their figures I can carry on with my complaint. All logged on their system that this has been agreed.

This has taken most of the day and the worst part is that I know deep down that I shouldn't have spoken to them, but stuck to the rule of " in writing only "

I really need a large glass of red now, but have to wait till the cheque clears ....lol

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Can I suggest you write a letter / email and confirm the conversation you have had with them ..

 

Something along the lines of..

 

Dear Sir or Madam,

 

Account Number..

 

This letter is just to confirm a conversation with your office today.

 

blah, blah.

 

 

 

If it were me, I would also point out that you are not particularly happy with the many obstacles that were put in your way when all you wanted was an answer to a simple question.

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

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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.

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  • 3 years later...

I know I haven't updated this thread in an awfully long time, but it's honestly taken an awfully long time to sort.

so, I wrote to them in July 2012 asking for confirmation of the conversation and to complain of the obstacles I was faced with, and requested a full breakdown of the figures.

They didn't respond so I wrote again the following month

and again 2 months later

No reply ever received and I admit that I did let it slip a bit, only wrote to them once in 2013 and again at the beginning of last year - basically just sending them a copy of my original letter and asking why they hadn't yet replied to which (you've probably guessed) I never received a reply too.

Gob smacked this morning to receive a letter saying cheque on the way to me for a further £3k. I really don't know if its got anything to do with my ongoing complaint as they make no mention of it.... lol.

I'm just updating here to show that we should never give up.

Edited by nunnyrose
typos
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Sounds like success nunnyrose

 

So have you now been paid everything you are entitled to...? Do you wish me to amend your thread title to successful reclaim?

 

Regards

 

Andy

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