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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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      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.

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Haven't sent DPA but.....


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I did send a letter of complaint after receiving a £39 charge for an unpaid DD with the threat of a £28 unauthorized overdraft charge.

Today I received a phone call at work from their complaints dept asking how I would like to proceed!

 

She generously offered to negate the £39 charge and the £28 overdraft charge at which point I explained that I had been doing some research and would be requesting a copy of all charges for the past 6 years. Long story short, she told me there were almost £900 of charges in those 6 years and she is authorized to offer me just under £500 (I forget exact figures).

 

The interesting bit is she claims it is company policy to refund the the charges for the 6 months that has incurred themost charges.

 

I thanked her for contacting me personally but asked for a copy of any offers to be sent to me in writing, which she said she would do, as well as a copy of all charges over the past 6 years.

 

One thing that made me bite my tongue was while idly chatting I asked her if she'd ever looked in to the legality of the script she was reading to me (Part of the terms & conditions, not legally obliged to supply details of manual intervention blah blah blah) and she said. "I don't have too, I don't have any financial difficulties!"

 

CHEEKY B***H

 

Any difficulties I've had have been caused by them in the first place.

 

Anyways, good luck to everyone taking a stand, this site is a goldmine for ammo.

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Welcome.

 

Be careful that she isn't leading you up the merry path... If in a week, you haven't got your stuff, you could find yourserlf having to do a proper DPA request and having wasted time, which is pretty much what they like to do. My advice is, don't take her word for it, spend the £10, it's well worth it, and send the DPA request anyway.

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I find it quite plausible for banks to use unscrupulous tactics like telling their employees to waste their customers time by promising things and not delivering.

Good advice Bookworm.

Thought she was quite nice and reasonable till the snidey comment.

 

Though she did admit she was reading a prepared speech as to what to say and that there's been a lot of requests for DPA's of late.

 

GOOD, I hope every single one pursues it and gets a reimbursment.

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Lets say for examle if I were to use my debit card in store "X" and their were insufficient funds it would just be declined, no letters, no charges just the cashier asking if I had another way to pay.

I'm not an expert in banking administration methods but I don't understand the vast difference in the banks approaches to these electronic transaction methods.

 

Any thoughts?

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Surely a DD can't cost them £39......

 

Lets say for examle if I were to use my debit card in store "X" and their were insufficient funds it would just be declined, no letters, no charges just the cashier asking if I had another way to pay.

I'm not an expert in banking administration methods but I don't understand the vast difference in the banks approaches to these electronic transaction methods.

 

Any thoughts?

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Thanks for that,

Wait till I tell my poor daughter about this site, shes struggled through her degree, bank charges and been stitched up like the rest of us have, its all hard to believe. No wonder were refered to as the gullible public, weve all been had by the bastards..

 

Does this apply to mortgages as well does anyone know?

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Yes but can you tell me what DPA nad LBA stand for.

I have visited the FQA section which required me to input a search for my query

I did this but nothing came up!

 

So a bit lost......help!!

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  • 3 weeks later...

Mortgages? Yes. Local lawnmower man (if he charges you a penaly for breaking his t&cs? Yes.

 

Anyone in fact who has penalised you for a breach of contract.

 

Have a read of the FAQ and associated material, and you will find answers to questions you didn't know you had!

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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  • 3 weeks later...

Congratulations!

 

Can't believe they got back to you so soon- filed my claim at court on Mon and still heard nothing. Given me hope that they'll deposit money next week (fingers crossed!)

 

Congratulations again

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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  • 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

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