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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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Rob v Abbey.....


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Hi all,

 

Just got my claim underway with Abbey

 

Sent of SAR last month and today got the reply :

 

"The last 14 months statements will be sent in the next 5-7 days. Any previous transactions have been archived onto microfiche and it is not possible to provide you with a computer printout of this infiormation, however we have made arrangements to send you a list of archived transactions between 2000 and 2005 under seperate cover."

 

Is this ok? Any idea how soon after the 1 months worth of statements, the microfiche data should arrive?

 

Thanks

 

Rob

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  • 2 weeks later...

received microfiche statements today.

 

It lists all the charges etx but doesnt say what the balance was.

How do i work out the interest without knowing the balance.?

 

Thanks

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Hi Rob,

I didn't bother calculating the interest for my claim as I found it all too confusing. Sent my prelim letter just over a week ago, just asking for a refund of charges. I have absolutely no idea how any of this would affect your mortgage......what about opening a new account elsewhere and arranging for your mortgage to be paid from there??

Prelim request letter sent 19/10/06

Reply from complaints Dept received 01/11/06

GOGW received 11/11/06 for £210

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Hi Rob,

I didn't bother calculating the interest for my claim as I found it all too confusing. Sent my prelim letter just over a week ago, just asking for a refund of charges. I have absolutely no idea how any of this would affect your mortgage......what about opening a new account elsewhere and arranging for your mortgage to be paid from there??

 

 

Its an Abbey mortgage though, so i'd imagine it has to be paid from an Abbey account?

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Yes, Rob!!!

 

More or less, anything that looks like its gone straight back into their hands without them having agreed it with you, and it usually says 'chg' at the end of it like you said.

 

For Example: Unlike an authorised overdraft, which is agreed with them, so they are allowed.

 

Phil:)

This is only my personal, honest opinion!

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  • 2 weeks later...

ok, got my prelim letter ready to post.

Just wondering abut how i add the interest for the lba stage. I dont have any balances on the microfilche statements and also i have an authorised overdraft on my account for £1800.

 

Thanks

 

Rob

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  • 2 months later...

Hi,

 

Ive got an £1800 overdraft on my account. Do you think Abbey will want this back before they look at my claim?

 

Im claiming over £1800 but i havent got the money to clear the overdraft.

 

Thanks

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I have an abbey mortgage myself all i did was open an umbrella account and then rung abbey mortgage and requested a dd form filled it in with the new umbrella details and sent it back, little while later got a letter back from abbey saying that they confirmed that the dd had been setup ok. they dont really care were they get the money from.

Good luck with the claim

Regards pmahonc

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