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    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
    • Hi,    I'm almost done. One question is should I include a header with " Claimant's Trial Documents" or something similar and include a copy of my WX from the trial since that has the claim form defence and documents that were relied upon at trial so that the judge can see that? or should I assume they will already have those documents on the file and so simply include a short statement of case to show the case I intend to prove at the appeal should permission be granted. Since I've made a shorter concise statement of case setting out what I intend to prove at an appeal hearing I'm thinking maybe removing the header of "Documents/Exhibits for use for Permission to Appeal   " since the permission to appeal focuses on the grounds of law and so I'm thinking of just having   Appellant's documents Statement Of Case Skeleton Argument    Then a seperate category named Trial Documents Claim Form Defence Claimant's Witness statement Exhibibts to Claimant's trial witness statement   I'm wondering you think would be better, only because I don't reference a single exhibit in my appeal statement of case since I am just explaining the undeveloped points of law around why the judge is wrong since the  statement only focuses on permission, not the outcome of the appeal so there is no reference to any exhibits?   Or should I just remove exhibits and not add trial documents or exhibits on the understanding the judge will already have the trial documents and that if permission is granted I then include them in my appeal bundle.   Thanks   N/B My statement of case doesn't have the claim form or defence or any witness staements in. it is simply a short 4 page document setting out the claim history and the points I intend to prove at the final appeal hearing should permission be granted.
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Is the bank taking your Benefits ?


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abroad Such a clause may well not only be unlawful but also illegal as it demands you agree to the banks illegal behaviour. which is what they are doing by removing money from your benefits

 

Make great emphasis of this conduct in your POC

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Dear Sir/Madam

 

Unlawful bank charges following an arrestment of welfare benefits - request for refund for [YOUR NAME, SORT CODE, and ACCOUNT NUMBER]

 

I write with respect to the application of the following charges to my account: [iNSERT DETAILS of charges applied].

 

I am of the view that your charges are irrecoverable in law. As you know the monies in my account derive from [tax credits, paid to my client by HM Inland Revenue, and/or child benefit paid by DWP, and/or child maintenance from the CSA, and/or social security benefits - income support, Jobseeker's Allowance, Incapacity Benefit, Disability Living Allowance, Attendance Allowance etc. - paid by DWP]. This is confirmed from my bank statements, and are clearly marked as such.

 

It is therefore trite law that tax credits and other such maintenance or social security benefits are exempt from levy of a charge. Those monies remain exempt from such insofar as such monies can be clearly identified within an account.

 

Accordingly, you have erred in law in levying charges on exempt monies in my account. You cannot impose administrative or penalty charges for your legal error. I would therefore ask you to refund said charges of £xx my account within the next 7 days, failing which I will commence an action for payment and wrongful diligence without any further notice.

 

Yours faithfully

 

 

This template has been amended and reproduced from louieboys post on page 2.

Maybe someone could verify or add/amend the above?

Hope this helps.

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Thank you Perseus.

 

Hmmm, being terrified of having to actually take them to court and not able to find anyone to go over these charges with me as far as Benefits are concerned, I am scared of proceeding and falling foul of the case.

 

7 days then action???? That's not very long to get everything in order. I suppose the way is to have it all ready before submitting the initial claim letter.

 

So what is the step after that letter? How do I do it? What will I need to take them all the way, if necessary?

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VS

 

Suggest the following with its amendments

 

Dear Sir/Madam [YOUR NAME, SORT CODE, and ACCOUNT NUMBER]

 

I write regarding the application of the following penalty charges to my account: [iNSERT DETAILS of charges applied].

 

As you know the monies in my account derive from means tested benefits paid by DWP, and/or the CSA. This is confirmed from my bank statements, where they are clearly indicated.

 

Accordingly, you have erred in law in levying such charges on exempt monies in my account contrary to The Social Security Act 1992 which for your information states as follows:

 

Social Security Administration Act 1992

Miscellaneous

Certain benefit to be inalienable **

 

187- Subject to the provisions of this Act, every assignment of, or charge on-

(a)benefit as defined in section 122 of the Contributions and Benefits Act;

(b)any income-related benefit; or

©child benefit,

and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.

 

I would also respectfully remind you that said benefits are not the property of the Recipient but of the State, and are provided by the State, for the Recipient and their Dependant's sole upkeep

 

Therefore as this is my only/main source of income please refund any and all such charges together with interest applied within 7 days from the above date

 

Yours faithfully

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Hi jonchris, that sounds good.An email to inga is called for as im just waiting for abbeys defence and she recently offered me 40% of my benefits back. you think these people would already know the law.thanks to both who put these recent letters up.Having just read the post on page 2 though, why can we not quote the woods v RBS. Perhaps im being ignorant as i ts a scottish case i think.is that why?

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You can quote a Scottish case but where the Courts might not & often DO refer to Scottish Law the banks can ignore it.........Unless you sue them 'in' Scotland assuming they have their HO there

 

You could if they had simular laws quote Australian cases

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Accordingly, you have erred in law in levying such charges on exempt monies in my account contrary to The Social Security Act 1992 which for your information states as follows:

 

Social Security Administration Act 1992

Miscellaneous

Certain benefit to be inalienable **

 

187- Subject to the provisions of this Act, every assignment of, or charge on-

(a)benefit as defined in section 122 of the Contributions and Benefits Act;

(b)any income-related benefit; or

©child benefit,

and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.

 

If you claim Working Tax Credit or Child Tax Credit the corresponding legislation is the Tax Credits Act 2006. Section 45 states:

 

45. Inalienability

(1) Every assignment of or charge on a tax credit, and every agreement to assign or charge a tax credit, is void; and, on the bankruptcy of a person entitled to a tax credit, the entitlement to the tax credit does not pass to any trustee or other person acting on behalf of his creditors.

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

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Thanks JonCris. You are one Hell of a Bunny when it comes to this stuff. Do you work in Law?

 

Would it be prudent to have all "things" in place to take the bank to court if they don't pay up within the 7 day period?

 

If so, how do I go about doing this? Idiot fashion, please, remember this bunny's created from God's reject parts pile. :-)

 

Hmm, I wish I knew what I'd done with the letter from the bank advising me that they were payig ng £750 into one of my accounts (the one into which my benefits are paid). I have a feeling that they, in so many words, announced it as a "goodwill gesture" rather than as a refund of charges taken. They did, I do remember, state that they did not see themselves as having done anything illegal.

 

If they didn't state that they were refunding charges (certainly no interest was included), can I still reclaim all charges taken?

 

Also, if their taking charges from benefit payments is actually breaking the law, therefore illegal and a criminal offence, why are we not asking the police to charge them with theft?

 

Can a customer make a Citizen's Arrest on a bank?

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Thanks Steven have amended accordingly as follows:

 

Template for getting a refund of benefits from you bank

 

Dear Sir/Madam [YOUR NAME, SORT CODE, and ACCOUNT NUMBER]

 

I write regarding the application of the following penalty charges to my account: [iNSERT DETAILS of charges applied].

 

As you know the monies in my account derive from means tested benefits paid by DWP, and/or the CSA. This is confirmed from my bank statements, where they are clearly identified.

 

Accordingly, you have erred in law in levying such charges on exempt monies in my account contrary to The Social Security Act 1992 which for your information states as follows:

 

Social Security Administration Act 1992

Miscellaneous

Certain benefit to be inalienable **

 

187- Subject to the provisions of this Act, every assignment of, or charge on-

(a)benefit as defined in section 122 of the Contributions and Benefits Act;

(b)any income-related benefit; or

©child benefit,

and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.

 

Note * if you claim Working Tax Credit or Child Tax Credit the corresponding legislation is the Tax Credits Act 2006. Section 45 states then include this para in your letter of claim.

 

In addition I remind you that included in this exemption are the following

 

Tax Credits Act 2006. Section 45 states:

 

45.: Inalienability

(1) Every assignment of or charge on a tax credit, and every agreement to assign or charge a tax credit, is void; and, on the bankruptcy of the person entitled to a tax credit, the entitlement to the tax credit does not pass to any trustee or other person acting on behalf of his creditors

 

I would also respectfully remind you that all the said benefits are not the property of me, the Recipient, but of the State, and are provided by the State, for the Recipient and their Dependant's sole upkeep

 

Therefore in view of the foregoing and the fact that these benefits are my only/main source of income please refund, within 7 days from the above date, any and all such charges together with any interest applied.

 

 

Yours faithfully

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I've been reading this thread with interest, I'm in a dispute with Abbey (received standard blah blah letter, waiting for outcome), charges were due on account today, so needing my money more than Abbey I withdrew all but 9p. I've scoured the thread (but cannot find it) looking for information that stated if the bank deliberately makes an account overdrawn by applying charges, this is 'unauthorised lending' and is illeagal. Can anyone confirm?

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JonCHris

 

One small point - Tax Credits are paid by HM revenue and Customs not DWp or CSA

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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hello please can anyone advise

a friend of mine has asked me is the dss acts

do they apply to the united states

about there benefits being taken frome there bank account i said i didnt know but would ask tyvm for any hel;p and advise

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Abroad girl, ive just replied to a similar question you posted on another thread. didnt know it was a friend in america. this is uk law so icant help sorry.No idea about the states.

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I myself am on "SDA" [severe Disablement Allowance] since 1995,but am 95% sure that I should be on Incapacity Benefit,[ Long Story need a legal eagle willing to help with this, have all the info needed, desperate for someone specialising in Social Security Law ?????????] , I also get DLA Mobility and a low rate care allowance, my husband receives long term Incapacity benefit and we are not entitled to free prescriptions ,so are not getting the medication that we need, in March 2006 after continued problems with the Yorkshire Bank, who I had been with since approx 1993, and who also applied and took from my account their penalty charges, which resulted in quite a few weeks where we had no money at all as they had been swallowed up by the bank, even though I now know that these charges under the "Law of Penalties" were extravagant and so were unlawful, I am sending QA'S back next week claiming from 2001-2006 an amount of £3712.57p inclusive of Stat Interest, I stated that under the "Law of Mistake" my grounds for restitution are that the bank automatically debited this amount from my account but were not "LEGALLY ENTITLED" TO DO SO, hence the change to HSBC but after 13months, feel that the HSBC are far worse than the yorkshire bank were. after going through my statements from the HSBC I have found that at least 75% of the £986 charged by the HSBC has been due to the "UNLAWFUL + ILLEGAL" CHARGES APPLIED AND DEBITED FROM MY ACCOUNT, WITH THE OTHER 25% due to the allowance of obtaining money from the ATM , which allowed these transactions to take place even though it took me over my authorised O/D limit and that according to a letter sent with reference to their " FAIR FEES POLICY " SEP 2006 which states that I will not PAY MORE in fees than the amount I am overdrawn by, in that charging month , this must refer to the unauthorised overdrafts not the authorised Overdrafts but I think a charge of £50.00 for 2 days unauthorised by an amount of £51 is not proportionate to the charges applied by themselves when they know exactly what date the Benefits go into our account, why could they not show consideration to this and deduct charges accordingly, which would have saved me the £986 lost last year ????????? letter requesting refund of all the charges + interest will be typed and posted this afternoon.

shelley;)

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Hi all, this seems to be just the thread i've been looking for for hours on a few message boards.

 

Anyway, i'm going through the process of claiming back my own bank charges, and was helping a friend earlier on go through their bank statements, which they have dating back years (amazingly organised with paperwork!) their charges total just over £1000 alone.

 

But then on top of that, going through the statements, we worked out that although they'd been payed about £3000 in housing benefits from the local council, they effectively only had use of about £1000 of that figure because roughly £2000 in benefit had just being gobbled up by their overdraft. On at least 2 occasions it was partly an unauthorised overdraft.

 

So not only did they get £1000 in charges, they also effectively lost about £2000 in Housing Benefits, ended up in about 3 or 4 weeks arrears with the rent, and had to pay the gap between what they were being paid in benefits and the total rent(they weren't elligible for a full award)

 

Has anyone any advice for this situation please?

 

Thanks in advance.

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JunkiMunki, from what I've read in various posts some, at least, posted by moderators, and if I have understood correctly, the bank haven 't charged you Standard Rate interest but Compound, Contractural Rate of interest. Is there a reason why you don't claim the reciprocal rate?

 

It would give you so much more money back whioch would perhps enable you to get out of any hole into which bank charges may have plunged you.

 

It's not that we're all going to be extremely wealthy (although, at times, breaking even appears wealthy,) by acquiring these refunds: we're just goign to put right all the many areas of our lives which have been thrown into disaray.

 

Unlike the banks who used our money to make money through investment well as from charging us exhorbitant interest rates, well meely be tryign to get ba ck onto an even keel.

 

Go for the Compunded interest, Munki but speak with a moderator first as I could be well wrong whereas they really know their stuff.

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Maybe best to pm a moderator but I'd say contact those who provided teh Housing Benefit. That was for a specific and very basic purpose: keeping a roof over ones head.

 

I wonder if your friend could reclaim charges with compound interest, of course. Once that case is either won or the bank capituates before the court case is heard, which is most likely (they are virtually admitting to wrongdoing in this way), your friend could go back to court for the £2000 as damages regarding putting the roof over their head into jeopardy by unlawful means.

 

Now PLLLLEASE, don't take my word for it. Just seems to me it should be this way but the moderators will be able to help and advise properly.

 

Good luck to all concerned, anyway.

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Hi Vital Spark, thanks for the reply.

 

Yes, we were talking about contacting the benefits section on Monday when they reopen, we didn't really talk about what sort of interest they could claim, but I did say to take a look at this site after we'd worked everything out to get some ideas and useful information to go forward with - after all it's in their hands now, and they've got to decide which specific paths to take, I don't want to influence their decisions.

 

It's cases like this that make me so angry, after all if someone is fraudulently claiming benefits, then there are measures in place to effectively deal with that, but there doesn't seem to be an effective system in place which automatically guards against the banks misappropriation of public funds in such a way. My guess is that the banks between them have made far more money from legitimate benefit claimants than those fraudulently claiming benefits have made in total.

(And no, I don't agree with fraud in any way before anyone says anything, but neither do I agree with robbing from the poor to give to the rich)

 

Sorry, rant over.

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;) Hi there raf; I noticed your question about people on JSA being divided, as one qualifies for free prescriptions while the other doesn't, I don't quite know the answer to this, but if I do find out I will almost certainly keep you in mind, but I have been on "SDA" and "DLA" mobility and low rate care since 1995, with my husband claiming Long term Incap, this being the only money we receive, and we dont qualify for "free prescriptions", we have just been told by the "Social Fund" that as we do not get IS, JSA[iB] or JSA[CB], we do not qualify for a crisis loan , or Budget loan , for help towards a combi boiler being fitted as the gasfire/ back boiler we have is over 23years old and is now obsolete so cannot be mended.

The government allowed us a grant of £2700 towards the cost but also said that the £645 deficit would have to be paid first,contacted the Social fund as a loan from them is Interest free, but for the life of me I cannot see why we are not eligible for this, after all it is still benefits which we receive. any answers to this one!!!!!!!!!!!!!!!!!!!!!!!

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It could be said that the banks ARE fraudulently claiming benefits, though?

 

I've been thinking about that myself Vital Spark. I know that a benefit fraud hotline was set up, I wonder if a mass phone call campaign to snitch on banks grabbing benefits would be useful?

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