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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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      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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Is this freedom of Information issues or not?


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I am unsure if this is the right venue for my question.

Please feel free to refer me elsewhere if I am mistaken.

 

I require some help in asking my bank to furnish certain documents.

 

Two years ago, I took a fairly large withdrawal from my bank.

 

Bank asked for an explanation, and the solicitor provided a detailed response through a letter from their firm and there were no issues.

 

The legal firm is no long operational and I require copy of that very document that was provided to the bank for an audit.

 

It is essential that I get this document and I am unsure how do I go by receiving it.

 

Do I make a freedom of information request?

 

Do I call the bank and just ask this document?

 

This was not a bank form but merely a letter from solicitors confirming why such a withdrawal was needed.

 

Can someone please help me out.

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You need to make a Subject Access Request under the Data Protection Act 1998 which require the bank to provide all documentation they hold on you within 40 days, you will need to specify this particular document precisely.

There is a £10 statutory fee for this, there is a template letter in the CAG library.

 

You could try just asking and maybe they would cooperate, but I'm not sure they will.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thank you, guys. Please bare with me as all of this is "French" to me. I have the exact date of withdrawal, which is the same day the solicitors issued a letter explaining the reasons behind the withdrawal. If I have to hazard a guess, I am probably going to deal with a low level customer service rep who is either going to give me the run around or won't understand what I am after. To be clear, I unsuccessfully tried this few months ago but my need wasn't as urgent so I let it slide, this time it's different.

 

If I am going through this SAR thing, do they automatically give me every piece of information they hold? I suspect that would be a LOT. I have been banking there for over 20 years. I have never done this sort of thing before and was wondering if there were certain things I should do to ensure that 40 days are not just pi**ed away. Appreciate any further feedback in this regard.

Edited by res123
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Yes they should supply all data the ''rule'' is the bank must keep all data for 6 years after an account is closed, so any documents that fall in to that category will not be available.

 

You send the SAR addressed to the Data Controlller at the bank by recorded delivery and check the date it is received the 40 days starts then.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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