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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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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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