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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Peterbeale VS Halifax-- settled in full


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Hi,

 

Help needed, i still can't hget my head round this money claim thing. i have no idea what to write, apart from what is on the library the bit about hard copy of particulars. i'm a bit stumped.

 

Please can someone help. (copy of their claim, or assistance with mine)

 

Thanks

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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Hello Pete.

 

With regard to filling in Moneyclaim(MCOL) this is what i wrote and it fits perfectly.

 

I have a contract with the defendant bank which is conducted on their standard terms and conditions.t am claiming the return of money taken by the defendant in the way of charges over the last 6 years plus the interest they have levied on these charges.The banks charges are a disproportionate penalty and therefore unenforcable as they are contrary to common Iaw.Further,as a disproportionate penalty they are invalid under the Unfair(Contracts) Terms Act 1977 s.4and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2(1)(e).In the event that the charges are not a penalty then they are unreasonable within the Supply of Goods and Services Act 1982 s.15.1 have asked the bank to justify charges they have declined to do so.£2141 is the amount owed. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {31/01/2000} to {26/04/2006} of £549.59.There are 49 charges.A breakdown is available.

I couldnt scan it in in the same format as MCOL because i dont know how to.

I had to keep adjusting it so that it was only 24 lines long as requested on MCOL(it doesnt look like 24 now but will on form) and this also took me under the amount of characters they ask for of 1080

 

Hope this is some help

 

Sean

DPA Letter sent 28 Feb

  • Statements Received 24 Mar
  • Prelim sent 24 Mar
  • LBA sent 12 Apr
  • MCOL 26 Apr
  • Acknowledged 3 May
  • Coming soon:

£2810 inc int. Halifax. Done and Dusted 16/05/06

Dont forget to donate

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Hi All,

 

Just an update.

 

I have a slight problem, the deadline for the LBA was the 6th May, i now have had charges on my credit card taken out, and now i don't have the money to enter my money claim, how long could i leave it? or would halifax get suspicious, thinking i have given up?

 

It's a pain in the backside.

 

------------------------------

 

Halifax Current Acc - £2558

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

 

Nationwide Flex Acc - £634

27/04/2006 - Prelim Letter Sent

 

Halifac Credit Card - £345

28/04/2006 - Prelim Letter Sent

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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No problem there at all Peter. The 6th May was just a deadline you set. If they have more time to pay then they can't moan when you do issue in a few days/couple of weeks time. :)

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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Thanks for that

 

---------------------------

Halifax Current Acc - £2558

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

 

Nationwide Flex Acc - £654

27/04/2006 - Prelim Letter Sent

 

Halifac Credit Card - £345

28/04/2006 - Prelim Letter Sent

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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Hi Pete,

not sure if this will work, but those on benefits show a copy of this to the court and they pay the cost, their is also a low income form you can fill out if your income is £15,050 gross per year, if you show the court also that the cost of the court fee would endure hardship you can apply for a fee exemption/or remission. Ask your court for an EX160A form.

This could possibly be another way of helping us all on this forum. Give it a shot Pete, it gets you to fill in out goings and income, if your case looks favourable even better. After all it is only a mug that backs a loser. And i know my local court aren't Mugs.

Good luck anyway

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Thanks Blast I am on a low income and am under a strain finacially so if Ineed to take mine to court I will try to get help

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Glad to be of help, i always read the small print now, Most small print normally contradicts itself in one way or another so scan over, you might find that vital point.

Sounds to me like you will get some help with costs if not all of it, any way it will be the Halifax GIVING that little XTRA help :D:p in other words they will end up footing the bill for costs, they can easily afford it on their profit margin.

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Only another update

 

Sent LBA for my nationwide account and my credit card, after receiving letters from both saying, blah blah blah yes you agreed and signed the original agreement about charges blah blah blah. we are unable to give you a refund of these charges, blah blah blah.

 

so i ignored these and just fired off the LBA letters

 

:confused: Also, when i file my claim, how would i get the banks to remove the defaults that were caused by these charges? :confused:

 

Thanks

 

 

Halifax Current Acc - £2558

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

19/05/2006 - !! Payday !! - Court action begins!!!

 

Nationwide Flex Acc - £654

27/04/2006 - Prelim Letter Sent

13/05/2006 - LBA Sent

 

Halifac Credit Card - £345

28/04/2006 - Prelim Letter Sent

13/05/2006 - LBA Sent

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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  • 2 weeks later...

Hi Everyone,

 

Have submitted my claim today, claim ref: 6QZ33308

 

Just waiting for that cheque to drop on my doorstep now.

 

;):lol:;):lol:;):lol:

 

 

Halifax Current Acc - £2553

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

19/05/2006 - !! Payday !! - Court action begins!!!

23/05/2006 - Claim Submitted for £2925.44

 

Nationwide Flex Acc - £654

27/04/2006 - Prelim Letter Sent

13/05/2006 - LBA Sent

 

Halifac Credit Card - £345

28/04/2006 - Prelim Letter Sent

13/05/2006 - LBA Sent

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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Hi Everyone,

 

Can anyone help me with the Halifax credit card, i have sent away the prelim letter, received a reply basically saying no way, to refunding you. Sent LBA after 14 days, yesterday received what looked like exactly the same letter as the last one, but a different signature?

 

Can i still go ahead with the court? When the 14 days are up

 

Help Me, Please

 

Thanks

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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Hi Everyone,

 

Can anyone help me with the Halifax credit card, i have sent away the prelim letter, received a reply basically saying no way, to refunding you. Sent LBA after 14 days, yesterday received what looked like exactly the same letter as the last one, but a different signature?

 

Can i still go ahead with the court? When the 14 days are up

 

Help Me, Please

 

Thanks

 

Yes you can go ahead with the court claim, you can do that now, you don't need to wait the 14 days if they have refused point blank to give a refund. :)

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Halifax Visa sent me same stuff. Basically one letter saying OFT could be ignored till 31st, go to ombusman if unhappy. Well I am unhappy but going to court instead (may even look into EX160A form that blasthebank suggested!)

 

Good luck

Halifax: £478 (+ interest & cost) reimbursed

 

Halifax Visa: £370 - 1/2 back so far

 

Bank of Scotland: £802 (+ interest & costs) court ordered to pay (BoS failed to respond)

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Hi All,

 

Just checked my halifax creditcard online, they have reduced my credit limit, even though i had paid a very large sum of it off. i phoned card services this lunchtime and they are telling me its because of another account i have with the halifax (my current account i have filed on money claim), its because it is over its overdraft limit, because of all the unlawful charges.

 

They say they have sent me a letter notifying me of this, and i should get it in a couple of days.

 

Can they do this before i have even received the letter?

 

Help.

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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Morning everyone,

 

Have just received letter from halifax this morning saying they whave increased my offer to £946, but it's too late, it has already been submitted to court.

 

Also on the letter it says " Thank you for your letter dated 29th May" and " in an attempt to reach an amicable solution to your complaint"

 

I don't think £946 out of £2925 is a very amicable solution, do you!

 

So i have responded this morning saying "unfortuntely it has now been issued to court proceedings, i will be claiming the full amount of £2925.44, which includes the 8% interest and my £120 court costs.

 

if they wish me to drop the court case against them, i require them to pay the full amount plus costs to the approriate bank account."

 

Thats also after i had given halifax an extra 2 weeks to reply, so original date for court proceedings would have been the 6th May.

 

Hopefuly i have caught the postman, before the 12 o clock pickup

 

Halifax Current Acc - £2553

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

19/05/2006 - !! Payday !! - Court action begins!!!

23/05/2006 - Claim Submitted for £2925.44

27/05/2006 - Increased offer to £946

27/05/2006 - Response sent

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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Just An Update

 

 

Checked MCOL this lunchtime, and Halifax have Acknowledged my claim 26/05/2006, just waiting to see what reply i get from that.

 

Managed to beat the postman, this lunchtime replying to halifax last letter.

 

Should push things along nicely.

 

Thanks

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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I am, to the day, in exactly the same position as you with halifax. Race to the finish? Good luck!

Claim against Halifax for £492

:: Moneyclaim form filed 22nd May, total claim now £649.57 including costs and 8% interest.

:: £210 offer recieved 19th May, rejected

:: LBA sent 8th May, 22nd May deadline.

:: £70 offer recieved 6th May, rejected

:: Recieved Halifax charges leaflet: 28th April

:: Original Request Sent: 25th April / Deadline: 10th May

 

View my progress

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:D Howdy all,:D

 

Received acknowledgement this morning, stating they intend to defend the full amount,

 

checked bank account this afternoon, two cash deposits that suspiciously add up to the amount i have claimed for.

 

Will wait for automated letter from halifax saying it will cost them too much to take it to court, and they have paid in full, but will move money to another account first.

 

 

Halifax Current Acc - £2553

08/04/2006 - Prelim Letter Sent

22/04/2006 - LBA Sent

28/04/2006 - Gesture of goodwill £531

06/05/2006 - Deadline before court action

19/05/2006 - !! Payday !! - Court action begins!!!

23/05/2006 - Claim Submitted for £2925.44

26/05/2006 - Claim Acknowledged - Stated they intend to defend

01/06/2006 - Settled in FULL

 

Nationwide Flex Acc - £654

27/04/2006 - Prelim Letter Sent

13/05/2006 - LBA Sent

 

Halifac Credit Card - £345

28/04/2006 - Prelim Letter Sent

13/05/2006 - LBA Sent

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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Hi All,

 

Now that halifax have basically admitted by paying the full amount, what do i do now, do i have to notify the court about the payment, or do i wait for halifax to do this, as they have said they have done so.

 

Thanks

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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:) Cribbed from a Spiceskull post:

 

Notify the court that the claim has been settled

Complete the survey

mechs

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Well done!

 

Have they mentioned closing your account?

Pre-lim letter sent 7th June

Total charges £1404.00

Offered £384 over telephone

Letter received 15th to accept?

Declined and LBA sent 15th

£384 credited to my account 15th

MCOL 6th July

Served to Halifax 10th July

Intend to defend in full, 11th July

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  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Halifax Current Acc - £2925 - Settled in FULL

Halifax Credit Card - £429.74 -Settled in FULL

Nationwide Flex Acc - £654 - Settled in FULL

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