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    • Hi All. Just as a matter of curiosity I sent a SAR's letter to JD Williams/N Brown  requesting details of my late wife's account  and a copy of the Default Notice. I received the reply today but it did not include a copy of the Default Notice. So I emailed N Brown Ltd and this is their response.   Good afternoon,    Thank you for your email.   We are sorry you are not happy with not receiving a copy of the default notice as requested. In our initial response we mentioned that in instances where we do not hold a copy of the information requested, we cannot provide it. However, we apologise that this point of your request was not addressed directly and therefore was not clear.   We have provided a list of letters issued on the account under the correspondence header. The letters included in this list, including the default notice, are system generated and we do not hold a copy of the actual letters. We only store the letter code and date it was issued, and this is what we have provided, along with an explanation as to what each letter is.   As we do not hold a copy of the default notice, unfortunately this means we are unable to provide it.   Kind regards,    Data Protection and Governance Team   So I can not check to see if the Default Notice meets the statutory requirements of the CCA.
    • OK, stayed, Thx - but what does that mean realistically?
    • So no agreement /account number referenced anywhere on the claim form ?
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
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Parked correctly, displayed BB but still got PCN

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Really annoyed. I was in hounslow today on bath road with a disabled passenger. We parked the car correctly on a single yellow line, not blocking anyone in and disaplayed valid BB on dash. Got a PCN with reason "Parked in a restricted street during prescribed hours"


The only reason I can think of getting the PCN is because I did not put the clock on the dash. We have had the BB for years and I've forgot to put the pass in previous occaisions and not had any problems. Maybe this was the problem and I was unlucky?


Anyway, I will be appealing. Has anyone been in a similar situation before? I want to make sure I have a strong case before going back to challenge the ticket.


I did not take any pictures as I did not see the point. The CEO took pictures and I admit there clock was not there.


As I said, car was parked at the end of a road but on single yellow and not rstricting anyone.



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L O all

in Merseyside on certain roads / streets they have marking on the kerb which designates that during certain hours (ie Rush Hours) you are not allowed to park, even with correctly displayed Blue Badge. If there are disabled parking bays the bays are also suspended. Reason for action is that road / street is classed as a through route to enable traffic to flow as quickly as possible.




















most of my knowledge is from the school of hard knocks


not based on any legal background


As quite a lot fellow caggers state seek Legal Advice




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Exemptions from prohibitions on waiting at all times or during specified periods



8. (1) This regulation applies to an order made under section 1, 6, 9, 35, 45 or 46 of the 1984 Act which includes a provision which


(a)prohibits (except for the purposes of loading or unloading) the waiting of vehicles, or any class of vehicles, in a road at all times of day or during one or more specified periods of the day;


(b)does not apply to a bus lane or cycle lane during its hours of operation; and


©is not a provision of the kind referred to in regulation 7(1).


(2) An order to which this regulation applies shall include an exemption from the prohibition in accordance with whichever of paragraphs (3) and (4) is appropriate in favour of any vehicle displaying a disabled persons badge in the relevant position.


(3) Where the period of the prohibition does not exceed 3 hours the exemption shall be for the whole of that period.


(4) Where the period of the prohibition exceeds 3 hours the exemption shall be for a period of 3 hours subject to the conditions that–


(a)the period of exempted waiting does not begin less than one hour after a previous period of exempted waiting by the same vehicle in the same road on the same day;


(b)a parking disc is displayed in the relevant position on the vehicle marked to show the quarter hour period during which the period of exempted waiting began.


(5) In this regulation parking disc means a device which


(a)is 125 millimetres square and coloured blue, if issued on or after 1st April 2000 or orange, if issued before that date;


(b)has been issued by a local authority and has not ceased to be valid; and


©is capable of showing the quarter hour period during which a period of waiting has begun.

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Thinking deeper - I thought I didnt put it out but it was on the floor when I got back so maybe I did or maybe I didnt. I doubt that changes anything. Was just saying

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Whether it fell or you forgot, the vehicle was still in contravention. You could appeal and hope for the best - if it fell you might have a marginally better case than if you forgot, but it doesn't change the situation a great deal. They could still enforce the PCN if they wanted to.

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