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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Natwest gold packaged account fees reclaiming **WON £1100!!**


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just the letter and the spreadsheets, all fine now

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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should I also delete the word credit card in the second sentence?

 

no

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leave out "I was also offered a credit card if I took this account"

 

and "I enclose letters.....to........of £250 and the credit card." --because your not sending them and not mentioning the credit card

 

are you sure I shouldn't delete the word credit card in the second sentence if I am not mentioning the credit card later?

also I would like to ask them to refund me all late payment fees for the credit card in the future if it's possible?

As I am still paying off the credit card but it's been cancelled because I went over the limit and couldn't afford the repayments.

is that something I need to mention or not and leave it for now and maybe see if I can ask them to refund it in the future? or is it not possible anymore?

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do I not need to add sort code to the letter or just the account number is sufficient?

 

 

you can if you wish, with your name address and account no Im sure they will find it

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are you sure I shouldn't delete the word credit card in the second sentence if I am not mentioning the credit card later? no youve mentioned it once, no need to repeat was the point

 

also I would like to ask them to refund me all late payment fees for the credit card in the future if it's possible?

As I am still paying off the credit card but it's been cancelled because I went over the limit and couldn't afford the repayments.

is that something I need to mention or not and leave it for now and maybe see if I can ask them to refund it in the future? or is it not possible anymore?

 

yes its quite possible, but you may need to go the court route to suceed. You need to start a seperate thread for that issue otherwise

 

this one will get completely confused

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  • 2 weeks later...

Hi, received a text message on wednesday last week saying they are looking into the complaint and will be in touch within 5 days even if they just let me know what is happening. Its tuesday and I havent heard nothing else. What do I do? Do I contact them to find out what is happening?

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just be patient for now, they have 8 weeks in which to fully respond

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just an update that I received a letter from Natwest saying they are investigating the complaint

and will keep me updated within the next 3 weeks.

 

 

let's see what they say.

 

 

I received a Tastecard from Natwest after being a packaged account holder for 5 years

they just sent me this card almost the same time I received the letter from Natwest about my complaint.

 

 

Coincidence or what?

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  • 3 weeks later...

Hi

 

 

I need advice please.

 

 

I have been refunded today some money.

 

 

Refund fees totalling over £900.

 

 

This is not the amount that I requested tho.

 

 

I want to be refunded the all amount of £2200.

 

 

What shall I do?

 

 

also received a letter today saying they are still investigating the complaint

and will write to me within the next 2 weeks.

 

 

Please advice what should I do?

 

 

Thank you

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are you sure I shouldn't delete the word credit card in the second sentence if I am not mentioning the credit card later?

also I would like to ask them to refund me all late payment fees for the credit card in the future if it's possible?

As I am still paying off the credit card but it's been cancelled because I went over the limit and couldn't afford the repayments.

is that something I need to mention or not and leave it for now and maybe see if I can ask them to refund it in the future? or is it not possible anymore?

 

re natwest credit card charges

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?423796-SabreSheep-Vs-Natwest-Moorcroft

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hi

thanks for that but I am not claiming credit card charges now.

 

 

This is about packaged account being missold and

 

 

I am asking for all charges and fees back, with the interest

 

 

its £2200 but

 

 

today I was refunded £900 and not sure what to do about it?

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did you receive a letter explaining your refund?

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yes ring them for an explanation as to what is going on

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lets see what they say first

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I phoned them

 

 

they said they refunded me what they owed me.

 

 

The interest they calculated is only 8% and not 17.94%.

 

 

They said if I am not happy I can complaint to financial ombudsman.

 

 

What shall I do? Thanks.

 

 

Also they wont refund all charges,

 

 

just the ones where I went overdrawn because of the maintenance fees which is about £54 and not £500.

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the fos have accepted that 8% should be the rate refunded, though personally I would argue this with nat west

 

as they have charged you at 17.94%, so why should they refund you at 8%

 

You need a full written explanation as to why the package fees have only caused £54 of the excess charges

 

However on the plus side, a month ago you were offered £24 in total

 

for the price of a stamp, you have at least reduced your borrowing by almost £1000, so something achieved

 

ask for a full explanation and breakdown in writing, and argue the interest as a first step

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Thanks.

 

 

They said the letter with explanation is on the way.

 

 

I did tell them the interest I was charged was 17.94%.

 

 

They said the interest they can calculate is 8%.

 

 

This is given by following financial ombudsmans recommendation.

 

 

I know its good what they gave me but it doesnt cover the overdraft

 

 

I am still forced to keep the account and therefore continue paying the maintenance fee.

 

 

Is there any way they can give me normal account and leave the overdraft I have?

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you proved that the package account was misold, so they should certainly change you to another account

 

you should request this asap, no reason to keep paying the £15 per month

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that is something for you to discuss with your branch

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