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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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Suzy H v RBoS


Suzy H
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Hi - just moving over from the DCA posting as have now got round to posting off my SAR yesterday by recorded delivery to :-

 

Royal Bank of Scotland

Senior Customer Relations Manager

Freepost

PO box 1727

Edinburgh

EH12 9JN

This account is being handled by Wescot DCA but 'do not acknowledge any debt to their company' so will (as always) keep you updated on developments.

Thank you :-)

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Received a nice letter today (dated 26 October) from 'Mrs M Carpenter' (same person who wrote to me re my Tesco account) confirming 'safe receipt of [my] postal order and that copy statements will be sent to [me] within the 40-day timescale'

 

Marvelous :wink:

Thank you :-)

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Good luck Suzy and keep us all informed.

 

Stacy xx

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Recieved my statements today so out with the highlighter it is 29_1_14.gif

 

Just a quick question ... I have noticed 5 x £25 'unpaid convenience cheque fees' oops - can I also claim this back?

 

Cheers

Thank you :-)

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yeah I should think so Suzy!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Added up the late payment fees and the unpaid convenience cheque fees and get a grand total of £305 icon7.gif Will draft my prelim letter tonight and post tomorrow.

 

quick question ...

 

I have, for example,

 

14 JUN LATE PAYMENT FEE 20.00

14 JUN INTEREST - SEE SUMMARY 14.85

14 JUN INTEREST - SEE SUMMARY 28.45

14 JUN INTEREST - SEE SUMMARY 0.26

 

In the 'summary of balances' the interest is purchases, cash & convenience cheques. Don't suppose I can claim any of those interest charges back can I :confused:

Thank you :-)

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  • 4 weeks later...

hi suzy,

 

good luck, hope it all goes well.

 

im still languishing in the prelim letter stage, trying to work out what interest to go for.....i think im stalling myself instead of just going for it..:)

 

The RBoS statements are really hard to decipher....is that deliberate??:lol:

**ROYAL BANK OF SCOTLAND

2/11/2006 - Sent S.A.R - (Subject Access Request)

16/11 - Statements Received (envelope slightly torn, no cover letter)

18/11 - Acknowledgement of S.A.R received

12/12 - Prelim Letter Sent Recorded Delivery To Local Branch

30/12 - Offer received for all charges minus interest

13/01/07 - Letter of rejection sent,along with new prelim (adjusted interest calculated)

29/01 - LBA sent recorded delivery

**NATIONWIDE**

5/11/06 - Sent S.A.R - (Subject Access Request)

13/11 - Acknowledgement of S.A.R received

23/11 - Statements Received (Special Delivery with cover letter, very impressed, good service)

12/12 - Prelim Sent Recorded Delivery To Local Branch

13/01/07 - New Prelim sent (adjusted interest calculations)

29/01 - LBA sent recorded delivery

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Hi TD

 

For sure it's deliberate - I guess anything to put us off claiming :rolleyes:. I'm still just going for the 8% interest to be honest, as claiming the higher rate is still over my wee head :lol: never mind i'm happy with what i'm going for.

 

They received my letter on the 8th but I have not even had an acknowledgement from them, never mind the standard bogoff letter, so i'll keep you posted on the outcome of the LBA.

 

Nothing ventured nothing gained TD - go for it and before you know it you'll be running down to the bank with your cheque.

 

Good luck

Thank you :-)

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  • 2 weeks later...

hey suz,

 

did you MCOL the RBOS?(i love acronyms:))...following this with interest as i'm going to do the same in the next 4 weeks.

 

cheers

**ROYAL BANK OF SCOTLAND

2/11/2006 - Sent S.A.R - (Subject Access Request)

16/11 - Statements Received (envelope slightly torn, no cover letter)

18/11 - Acknowledgement of S.A.R received

12/12 - Prelim Letter Sent Recorded Delivery To Local Branch

30/12 - Offer received for all charges minus interest

13/01/07 - Letter of rejection sent,along with new prelim (adjusted interest calculated)

29/01 - LBA sent recorded delivery

**NATIONWIDE**

5/11/06 - Sent S.A.R - (Subject Access Request)

13/11 - Acknowledgement of S.A.R received

23/11 - Statements Received (Special Delivery with cover letter, very impressed, good service)

12/12 - Prelim Sent Recorded Delivery To Local Branch

13/01/07 - New Prelim sent (adjusted interest calculations)

29/01 - LBA sent recorded delivery

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Hi TD

 

Haven't gone to MCOL yet ...

 

... but meantime I have received another letter -- this time from Gareth Gerreli with the usual standard response.

 

I was going to wait until after Christmas to MCOL so I could give it 100% of my attention.

 

Good luck with your claim and i'll keep you posted :wink:

 

Suzi

Thank you :-)

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  • 2 months later...

Good morning guys

 

Received some great news this morning -- from The Royal Bank of Scotland Group, Group Litigation, 1 Princes Street, London, EC2R 8PB.

 

The letter dated 16 March 2007 has a cheque enclosed for the full value of my claim (£536.30 ).

 

Really chuffed :) and as always ... thank you to everyone for their advice, guidance and support.

 

Suzi

Thank you :-)

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