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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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MINT CCA - Query


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Hi, Just a quick query. I requested a CCA from MINT. I finally received it after waiting over month (well outside the 12 working days). They have sent me a copy of my last statement and a copy of the credit agreement which was in place when I opened the account. Should they have sent me a copy of my application also, or would this be included in the SAR. Reason I ask is that the credit agreement discusses travel insurance and PPI, however I do not know if I had these. I was also charged stamp duty last month; can anyone advise what this is for? Sorry for all of the questions! :)

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I'm confused about this too! U sent a SAR request a couple of weeks ago so I'll see wht it turns up! I entered a payment plan with themso I'm guessing if I had anything it would have been removed. I've less than £100 outstanding so am hoping any charges and/or ppi will close this!

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  • 2 weeks later...

So I received my "non" sar from mint today. They have returned my cheque and provided a list if charges which gave been applied over the last 6 years. Data missing is 2004-2006 plus all other documentation they have in me! My question is regrading next steps. Do I just claim for the charges 2007 to date or pursue for other data? It's unlikely there are many charfes 2004-2006 ; could I guesstimate these based on average from 2007 to present day?

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Re submit the SAR with the failed SAR letter from the CAG library.

 

Tell them that you are enclosing both letters because they are in clear breach of the DPA by not giving you your data as requested in the original request and that their 40 days is still ticking. If the 40 days are up give them 14 to comply or you will report to the ICO and consider legal action to force compliance.

 

ims

 

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Thanks Ims. They have basically supplied the list of charges from April 2006 until today FOC. I am missing 2004-2006, I have a feeling this is because they are going by the 6-year rule. I don't think that I had PPI on this card (have a few random statements and cant see it). Should I return my original cheque back to them also? I was also wondering if it was worthwhile giving them a call. The account should be closed this month (woo hoo!!! :) one debt paid off!), so they may possibly still deal with me whilst its still active. I put the charges I do have into your spreadsheet and used the compounded interest rate of 24.9% (is this correct), in total the spreadsheet says I could be due circa £793! The credit limit on the card was only £500 :)

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ahhhh, I have had a look at the letter I sent to MINT and I have made a mjor error :( I have not sent a SAR request at all, I only rewuested charges for late payments etc for the last 6 years :( !!!! I am such an idiot! I have done the same for MBNA, but that was only opened in 2007 so I should be fine!!! Rats, back to the drawing board for me :(

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  • 2 months later...

Hey,

Again looking for advice. I sent off my bank charges request and have not heard anything back. I took my eye off the ball and never followed through with this. Its been a couple of months since I sent the claim for charges; should i just resubmit or send a LBA?

Thanks. If LBA, is there a template for this?

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