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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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maria v natwest ** WON **


marcie63
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okay read some more threads and getting more confused by the minute. sent lba yesterday but did not include breakdown of charges(did that in my prelim letter. Now when i start mcol which spread sheet do i use as there are so many and how do i work out 8%. Thanks

:confused:

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Sorry,so stressed with it all i dont seem to be reading things properly.

Just read FAQs again and think i,ve messed things up. Only sent one schedule of charges and interest up to now.Is this going to matter or can i just send another when i start claim with court

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If you've already sent a copy of your schedule with your first letter then this should be OK, with regards to the 8% interest, if you are using the Excel spreadsheet then this should automatically calculate the interest for you, although you don't need to send this until you file a court claim. Just keep reading through other peoples threads, the more you read the more you'll familiarise yourself with the whole process.

 

Don't worry about it we're all here to help each other.

 

Good luck

 

Deller

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Seems like you're feeling like I was about a month ago, but seriously, the more of this site you read and the further into your claim you go, the more confident you'll get.

 

I can't see how you can end up in more s..t when you've got so much help and support right here infront of you on this brilliant site!! :p :p :p

  • Confused 1

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Might be worth asking one of the Moderators about this, they're very clued up about the whole scenario!! I've found their advice very useful with regards to my claim.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Night night!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Can i add these additional charges on when i file a court claim and i think i may have forgotten to deduct advg fee.

 

You can amend your claim (up or down) right up till you file at court and you can't claim the advg fee, so you need to sort out your schedule of charges before filing, even if this means delaying it. Once you file it's much more difficult (and costly) to correct any mistakes.

 

Look here for a good explanation of Advantage Gold a/c's:

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

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so if at the end of one month it has interest 46.25 and charge 40.00 what can i claim back? From what i can tell the amounts are for exceeding my o/d limit so can i just deduct £12 avgd fee and claim back rest

Thanks

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  • 2 weeks later...

Had my letter from Stuart Higley today saying he can find no instance where charges were not properley due. Their offer of £514 still stands on the proviso i return my cheque book and service card. if i decide to go ahead with proceedings then please make sure they are served at bishopsgate,and thank you for taking the time and trouble to contact us.

Do i now just carry on with claim and is this the usual rubbish he sends out.

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  • 2 weeks later...

Yes to borrowing fee, no to ADVG fee

 

 

There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

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Hi Can Anyone Advise Me On Applying For Remission Of Court Fees? As Natwest Is Stinging Me For Around £200 In Charges A Month I Cant Afford The Court Fee So I Am Going To Apply For Remission. Do You Think Its Worth A Try Or Should I Just Wait Till I Have The Money Which At This Rate Could Be Never. I'm Not On Any Benefits Just Broke.

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I Keep Reading That Some Of You On Here Have Sent Letters Declining Offers Twice. My First Reply From The Bank Was Partial Offer Which I Turned Down With Lba. Stuart Higley Then Replied Making Same Offer ,do I Turn This Down Again In Writing Or Go Straight To Claim?

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I Keep Reading That Some Of You On Here Have Sent Letters Declining Offers Twice. My First Reply From The Bank Was Partial Offer Which I Turned Down With Lba. Stuart Higley Then Replied Making Same Offer ,do I Turn This Down Again In Writing Or Go Straight To Claim?

 

Probably better to decline the offer in writing and then proceed with your claim, use the letter in this link.

 

Hope this helps!! ;):rolleyes:;)

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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