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    • if it's a total loss but not structurally damaged it'll be Cat N.   Of course you can insure a Cat N car, there are loads about that have been repaired. It's unlikely that your current insurers will insure it, however.  It is also normally more expensive to insure a Cat N car. Get on to some brokers and run the numbers.  
    • Lol! Yes, lookinforinfo,  I picked up on the word "Must" .... As you say, they have not done what they legally "Must" do I'm going to buy the Dummies Guide to Law and see if DCB(L) will give me a job   I'm also looking forward to CPR 27.1(1)(b)    
    • Well done for boning up on Schedule 4 . I expect you understand the point I was making about not inviting the keeper to pay the charge. At the start of Section 9 the wording includes the word "must" which is a very important word legally. It means that Highview have to include all the requirements stated in that section or subsection. If it's missed out the PCN does not comply with the Act and the keeper cannot be held liable to pay. You have to make allowances for them . The Act has only been in force since 2012 so it will take them a few more years yet before they get it right. But it does emphasise the comprehension level of who you are dealing with. Their solicitors are a tad below that level so most of your snotty letter will doubtless go over their heads. But the Judge will appreciate the humour. if it gets that far. Probably the irony too of the solicitor getting some legal information that they are unaware of.
    • Yes, I read that, that's what prompted me to think of not mentioning it here yet. This is what I was referring to earlier, seems credible, if anyone was interested: (although I don't want to stray of topic ) At the final hearing in 2016 at the Bolton County Court we relied, you might think unwisely, on a defence that the signage was illegal.  ParkingEye’s Claims Handler, David Greenbank, although not attending the hearing, had submitted a Skeleton Argument containing a claim that they had been granted planning permission for the signs retrospectively. The judge found in favour of ParkingEye and anyway we had run out of time and he was anxious to move on to the next case (back-to-back parking cases).  We had evidence to prove our case, but weren’t allowed to present it. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro...  
    • nope. shows where you've been reading up then...though so cag does not recommend filling any defence that plays any of your cards thats not till WS stage if it ever goes that far. when you've done the sticky, scroll down on it further and you'll see the defence section. dx
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Overdraft removed without reasonable cause?


karimali831
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Hi,

 

I am looking for some advice on the action Lloyds made against my account. I am student and have had my £500 student overdraft facility removed. Reason being as they said, I have not used my account since late July this year. I am now on a study abroad course which means I am taking one year as part of my degree in the USA and return May 2015. I left UK August so I have not received some of their letters. However my mother now sends letters to my address in the USA and was only notified once that the overdraft was already removed. I also noticed my account was set to a graduate's account but I am still student. I phoned immediately and they said I will have my account set back to student once I send proof of letter. I have done so as well as letter of complaint. I said I have not received letters since August, I have not used my account recently as I had been using another account for travelling etc, I am not permitted to work here so there be no regular funds in the account however will use the account for regularly transactions but they didn't care and kept saying I breached their policies, they will not put me back to student and my account will be closed and have default on my credit report if I do not settle installments with them now. It all seems immediate.. can they be doing this?!

 

Any advise thank you

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So there is no money in the regular account and no money going into it and the overdraft facility is in the red ??

 

Not exactly there was no money in the account since late July so I agreed to use the card regularly and put money in the account while abroad but only if they could reinstate the overdraft otherwise I would be paying off an unforeseen debt. They said no to this.

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I'm not sure what you are saying there, but you do realise that you cannot have an overdraft by right and it is up to the bank to decided if it lets you have this facility. It can remove the facility as it pleases as well as increase or decrease the limit.

These things are done an a considered risk basis.

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