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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Reply to notification letter


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Hi all,

 

First i would like to introduce myself as a new member and just say how great and helpfull this website is.

 

I have sent my prelimary letter to the Halifax and i have a reply which basically reads:

 

Thankyou for your letter, which was received at this office on 25th september 2006.

i am sorry to learn that you are unhappy with the charges applied to your account.

Were keen to deal with your concerns as quickly as possible.A customer relations manager will investigate the points you have raise and you will receive a reply shortly, certainly no later than 4 weeks.

 

 

In the draft prelimary letter it gives a 2 week lead time before sending the second letter, should i reply to this letter that 4 weeks is unsatisfactory or shall i wait up to 4 weeks for their reply.

 

I am not very good at letter writing so if i need to reply to this letter what kind of letter should i be writing/

 

many thanks in advance

 

Regards

 

Duncan

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Hiya and welcome

This is a standard response from Halifax, just ignore them....we all do!

Two weeks after you sent your preliminary letter, send your letter before action, the template for this can also be found in the library.

Good luck and keep us posted.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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Thanks dolly, will certainly keep everybody posted.

 

this forum is SUPERB !!!

 

Duncan

Totally agree, duncanvale.

Have just done a repeat Subject Access Form, as A&L deny receiving the first one and, by cutting me off Internet banking, prevent me seeing if they have complied with my request to take the £10 fee from my in-credit a/c. I have not rceived any statement this month either.

I will submit the form at the Branch for internal post tomorrow and obtain a receipt as proof of acceptance.

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Hi Duncan, welcome to the family.

 

Take no notice of any time periods that the bank quotes.

This is your show. You're in charge. Stick to your own timetable.

The banks will try to side-swipe and confuse you by introducing their own timetable.

Resist all their attempts.

 

Good luck with your claim.

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hi,

 

halifax are quicker than what i thought they would be.Today i have received a letter and the basis reads as follows:

 

I am sure you will appreciate like other organisations we incur costs for every transaction made. when we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall involved.we believe it is fair to pass these costs on to the accounts affected, as apposed to them being absorbed by other customers.

 

Our charging policy is clearly outlined in the terms and conditions that apply to your account.in addition we are committed to complying with the banking code, which sets standards of good banking practice.the terms and conditions of your account state that you must have funds in your account to cover your transactions.We cannot be responsible if you authorise payments against funds that are not available.

 

As a gesture of goodwill i would like to offer to refund £346.00, being 6 months worth of charges to your account in full and final settlement of your complaint. I must stress that future charges will stand and we reserve the right to close your account if you do noy manage it correctly.

 

I understand that you would like to receive information about specific transactions.We are under no statutory obligation to record the information you want and are unable to help you with your request.

 

i will not accept this offer, so what is my next step?

 

Do i send the 2nd draft letter? if not is their a draft letter to reply to this?

 

Thanks in advance

 

Duncan

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