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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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Santander 123 Credit Card Fraud


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Thanks Brigadier but I've done that already. Back in June. Two weeks later and they had no trace of it despite a signed for delivery.

 

I'd like to get this printed in something like the Daily Mail or BBC's Consumer Watchdog, if anyone knows the contact details I'd be very grateful.

 

 

OK send the complaint again, this is far from uncommon with Satans.

 

 

Tony Hetherington at the Mail has dealt with complaints against Satan in the past.

I do know he likes as much detail as possible, certainly worth a try.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thankyou, I will send the story on to Tony Hetherington, I think the story on here says it all.

 

I've also just contacted BBC Watchdog and sent them the details on their website.

 

Be in touch.

 

 

Great but please send the complaint again.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Which's money expert took this to Santander's press office / CEO and yesterday I received a call and email confirming this money will NOT be taken from my account, not on the 22nd and not ever.

I will be receiving further information on Monday but I am very relieved that this is being sorted once and for all.

Unbelievable.

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Which's money expert took this to Santander's press office / CEO and yesterday I received a call and email confirming this money will NOT be taken from my account, not on the 22nd and not ever.

I will be receiving further information on Monday but I am very relieved that this is being sorted once and for all.

Unbelievable.

Excellent!! Well Done LS!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thankyou Brigadier, what a long and stressful journey it's been.

 

Frightening to be persecuted by a bank that knowingly pursues innocent customers. I'm intrigued as to what was really going on here, I hope I'm told the full story.......

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  • 1 month later...

Further to my last post..

 

 

..Santander finally closed the 123 credit card account and touch wood..

..I've not received any more statements.

 

Hopefully that means it's finally gone.

 

 

I was paid another £150.00 compensation for the further stress and inconvenience and Which are going to feature the story shortly.

 

I was told over the telephone by Santander's chief exec's media man that the fault lay with the Visa dept

but this wasn't explained to me properly or in the final resolution letter.

 

The explanation was weak.

 

No more credit cards for me and thankyou once again Brigadier for encouraging me to fight it!

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Further to my last post..

 

 

..Santander finally closed the 123 credit card account and touch wood..

..I've not received any more statements.

 

Hopefully that means it's finally gone.

 

 

I was paid another £150.00 compensation for the further stress and inconvenience and Which are going to feature the story shortly.

 

I was told over the telephone by Santander's chief exec's media man that the fault lay with the Visa dept

but this wasn't explained to me properly or in the final resolution letter.

 

The explanation was weak.

 

No more credit cards for me and thankyou once again Brigadier for encouraging me to fight it!

 

 

LS an excellent result achieved by real guts and persistence, well done!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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