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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I opened an account with Nationwide about a year ago, I signed up for the cash card + account with no overdraft facility.

 

I am absolutely rubbish with numbers and got locked out of my online banking, I have tried many times to reregister and keep getting locked out before I can log in again and have had no statements.

 

I am only guessing but I am being charged £100 a month in bank charges, I have had no notifications of charges as all statements online which is locked out.

 

I think I have paid £1000 in charges, but no way of accounting for them, they have been mainly charges for going overdrawn after delayed visa transactions followed by another charge for being overdrawn because the charge sent me back overdrawn.

 

I know the high court ruled the charges are "fair" but would my case be "exceptional"?

 

Where do I start?

 

Thanks in advance

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Hi,

 

Think you need to get the full picture of what charges you have incurred, surely you can get new log in details by giving them a phone.

When you say you have paid about £1000 in charges, have you or do you mean you may be overdrawn by this amount, are you still using the account.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

Think you need to get the full picture of what charges you have incurred, surely you can get new log in details, there's a 'link' here..................

 

http://www.natwest.com/personal/online-banking/g1/existing-customers/first-time-user.ashx

 

When you say you have paid about £1000 in charges, have you or do you mean you may be overdrawn by this amount, are you still using the account.

 

Its Nationwide, I registered and the code didn't turn up, then it did after re-registering and it locked me out again.

 

I still use the account and it is not overdrawn, I am just guessing the amounts as every time I call them my account is overdrawn again - despite no overdraft being available on a basic account???

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Its Nationwide, I registered and the code didn't turn up, then it did after re-registering and it locked me out again.

 

I still use the account and it is not overdrawn, I am just guessing the amounts as every time I call them my account is overdrawn again - despite no overdraft being available on a basic account???

 

Hi, sorry I edited my post when I realised I had got the banks mixed up, I'd still give them a phone, get new log in details and access your account on-line.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Have a look at BCOBS.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

I agree that a SAR is prob the right way to go - I bank with Nationwide and on the few occasions I've gotten into a pickle I've usually called into branch and they usually print 15 months of transactions off for me - they can also switch you back to paper statements without charge...

 

...I've also had £360 refunded to my cousins account for charges and about £500 on mine in the past 12 months - I just went in and explained that I wasn't happy and that I wanted their help and they came good - I suspect this is a rare ocurance but it might be worth a visit. RE: cheque - they will write you out a cheque in branch from your own account even if you don't have a cheque book.

People who haven't made mistakes, haven't made anything!

 

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  • 2 weeks later...

I finally got my online login details and have been able to log in for the first time since Feb 2012 (I have had no sight of any statement since this time, nor any notifications of charges)

 

These dates below are the months the charges are notified on my statement and will have been debited 28 days after the statement date (20th I think)

 

£15.00 March 12

£15.00 April 12

£30.00 May 12

£75.01 June 12

£95.58 July 12

£20.03 August 12 (75.00 Refunded after telephone complaint)

£15.00 September 12

£35.50 October 12

£20.00 November 12

£20.00 December 12

£50.00 January 13

£50.60 February 13

£95.24 March 13

£80.74 April 13

£35.44 May 13

 

That makes it £578.14 total charges, the annoying thing is the charges are putting me below £0.00 and triggering another charge.

 

Any advice on the next step would be appreciated :-D

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  • 4 months later...
I finally got my online login details and have been able to log in for the first time since Feb 2012 (I have had no sight of any statement since this time, nor any notifications of charges)

 

These dates below are the months the charges are notified on my statement and will have been debited 28 days after the statement date (20th I think)

 

£15.00 March 12

£15.00 April 12

£30.00 May 12

£75.01 June 12

£95.58 July 12

£20.03 August 12 (75.00 Refunded after telephone complaint)

£15.00 September 12

£35.50 October 12

£20.00 November 12

£20.00 December 12

£50.00 January 13

£50.60 February 13

£95.24 March 13

£80.74 April 13

£35.44 May 13

UPDATED TOTALS

£95 - £75 DD Return fee, £20, Unauth OD, June 13

£20 - £20 Unauth OD, July 13

£20 Unauth OD, August 13

£35 - £15 DD Return Fee, £20 Unauth OD, September 13

£65.00 October 13 (3x DD Returns @ £15, £20 Unauth OD, 47p Interest)

 

Thats now £888.14 + that I have been charged.

 

I have had £75 refunded as noted above so thats 813.14 that I am out of pocket by nationwide charges.

 

I did not send in a SAR as I had found the details online.

 

What is the best way to start the ball rolling now and do I have any chance of getting any of these charges back (Normally charges on charges)

 

I have tried over the phone but cant get anywhere, they say because £75 was refunded in August 12 that is all they can do. I am just really rubbish at numbers, budgeting and money, this seems to be getting the better of me.

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