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    • Referring back to to your initial post... So not a judgment ?
    • 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.
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I'm sorry your unhappy with the charges!


jonnytub
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Well of course you are, because I'm claiming them back!

 

I've just received my letter from Barclays after sending the second letter from the library section (the one that gives them 2 weeks to respond before the LBA is sent) and I wonder if you knowledgable people could help. The letter states that they are ;looking into my complaint' and the timescale they give is and I quote:

 

"May I take this opportunity to explain that whilst we will endeavour to respond to you within the timescale outlined in your letter, we cannot gaurantee that we will do so. Sometimes it does take longer to fully investigate a complaint. However we aim to find a solution within four weeks. If we are not able to do so, we will always write to you explaining what is happening. A full report on our progress will be sent to you within eight weeks."

 

So my question is, should I still send the LBA as I said I would in the second letter after the weeks have expired?

 

Thanks for any response.

 

John.

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Hi......Don't let these arrogant bullies run the show!.... stick to your own agenda and the tried and tested procedure initiated from this site... Give them an inch and they will take more money from your account and try to intimidate and sway you as much as possible.

 

Jendoc

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Just a quick question, I'm helping my brother do the same thing with his bank (HSBC) and we've got him as far as ready to send the schedule of charges, we used the spreadsheet from this site (as I did with mine), now I can't remember what I put in my letter (and I'm at work so get it off my copies) but does he include the full amount of his claim (as shown in the spreadsheet) or the full amount of his claim plus the 8% interest (as shown in the spreadsheet)?

 

I know I got mine right as I followed the instrucions to the letter but my memory is worse than that of a goldfish'.

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Just a quick question, I'm helping my brother do the same thing with his bank (HSBC) and we've got him as far as ready to send the schedule of charges, we used the spreadsheet from this site (as I did with mine), now I can't remember what I put in my letter (and I'm at work so get it off my copies) but does he include the full amount of his claim (as shown in the spreadsheet) or the full amount of his claim plus the 8% interest (as shown in the spreadsheet)?

 

I know I got mine right as I followed the instrucions to the letter but my memory is worse than that of a goldfish'.

 

You send off the Prelim letter and print out a copy of the schedule before 8%. In fact, print two, you'll need the second in two weeks when you should send the LBA .

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Thank you for the prompt response Welshman.

 

You must have poked some memory cells, now I remember, I'm in fact ready to send my LBA off in two days but at least now I can pass the info on to my brother about which parts to include in his claim.

 

Thanks again.

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Hi people,

 

Tommorow is time up day, they've had the 2 weeks and I'm now ready to post my LBA so it lands on their desks exactly as promised. I would appreciate it if anyone could have a quick look over my LBA before I post it (details removed) as I'm claiming for two accounts in one letter.

 

The letter is here http://www.lwc.org.uk/letter.html

 

Thank you for any response, you've all been very supportive!

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Think you should stick with the LBA in the templates. There is a proper step-by-step system outlined in the faq's which has been used successfully by thousands of us. Each step/template letter is there for a good reason - i.e. they work. If you stick to this tried & tested method you should eventually end up getting your charges back. Good luck.

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Hi jonnytub.

 

The link you provided is not very clear (well not on my pc anyway) but it's just legible enough to see that it is more or less the template provided in this site. If that's the case then you'll be fine. Again, just remember to attach the schedule of charges (without the 8% interest).

 

Steve and Michael were only trying to help by the way. They aren't going to guide you down the wrong path because they are on your side as are all of us here.

 

Go get 'em

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Thanks Welshman, believe me I wasn't having a pop, my spoken word doesn't translate well into text, at least thats my excuse :-) Apologies if that's how I came across, it wasn't intentional.

 

Question, the 8% interest thing, isn't that the overdraft interest I mention in the letter?

 

P.S. The picture should expand to fit 100% it's original size if you click the expand button on the bottom right.

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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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No. The 8% interest doesn't get introduced until Court filing stage.

 

You should edit the text to "I calculate that you have taken £XXXXX. I am enclosing a copy of the schedule of the charges which I am claiming etc etc ...." unless of course that you ARE claiming the overdraft interest from your statements. I didn't.

 

Hope this helps you (Typing doesn't always come across in the correct way - you don't get to see the facial expressions and body language)

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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