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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Delboy against The Woolwich


Delboy01
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OK Around 15th September, unhappy with the charges on my account I asked for Customer Services to send the complete list of charges on my account.

 

I have included every single charge on the sheet UC RC QC OD DC and Information Commissioner, hopefully I am correct in including everything and that there are not things I should include in my figure, could someone tell me if I am right in doing so?

 

OK the Total Amount of Charges on my account since opened is £xxxx.xx

At the moment I have decided not to go anywhere near claiming the interest on these charges.

 

The letter from Cust Relations says If we do not hear from etc in 8 wks of this letter I will close my complaint file in acc.

 

Do I ring them up and say "hang on with closing the file I am considering claiming back the charges with the help of CAG"

 

Or open a parachute account monday and the send the first letter?

 

Much appreciated for your help in advance

 

Delboy01

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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stick to the timetable

dpa request

prelim

lba

court

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Ta Nathal, But my bank charges wernt sent to me as a result of a Data Protection Act request

I rang in to complain and requested a list of all charges. At that moment in time I wasnt going for or aware of the CAG and its procedure...

 

Are you Saying I should forget the letter from the Customer Services but instead go thro the full process??

 

Many Thanks

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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just start with your prelim with the schedule attached

 

ignore their letter

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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I need to be very sure on TWO points

 

1. I have totalled ALL CHARGES that were Applied since 2002, There are not any charges that I cannot claim for is there?

 

2. I am not going to charge interest on these charges as I find the Spreadsheets a bit scary and so cant be bothered.

 

So my claim:-

 

What I require

I calculate that you have taken £9999.99

I enclose a schedule of the charges which I am claiming with this letter

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Guest Mumofthreeboys

All charges are reclaimable and the matter of interest is up to you, probably wouldn't amount to much anyway. Go for it.

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Thankyou Mum:)

 

I shall open a parachute account monday and send the letter off the same day.

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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  • 4 weeks later...

Ok a little bit later than prev mentioned,,,,,,,,,,

 

Applied for a Nationwide Flex account over the phone .....Declined :(

 

Today applied for a Nat West Step Account, over the phone and OKd !!!!

 

I asked "have you done all the credit checks?" and she replied yes! just sign forms and send back, as well as take some ID and a bill into a local branch.. Is this the norm? I was expecting more grief.

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Hi Del

if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.;)

al.

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi Del

if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.;)

al.

 

 

Thnx AL, been keeping an eye on your progess over last couple of weeks

 

Does my prim have to be (registered) tho

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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I've been sending all my letters recorded, you can then use the royal mail website to get a printout proving the date the letter was delivered. That way theres no chance they can claim a letter was never recieved.

 

Mat

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OK I have posted the prelim letter to .. Woolwich Customer Contact Centre in Clacton CO15 1WH.

 

I have stopped all monies going into my account as they are due to whack me with failed DD charges. This will Put me over my Overdraft limit. and hence incur £3 a day charges. All DDs have been stopped. How do I deal with the account side pressure I shall no doubt get from them, regarding returning my account below my O/D level.? As I dont really want to go through the default bits and pieces.......

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Tell them the account is in dispute, they can't do anything to it whilst it's in dispute, it breaches the Banking Code section 13 para 6.

 

Thankyou MOTB, so, as soon as the prelim letter was sent the account is deemed to be in dispute, is that correct?

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Just a thought, As I said before the Wool sent me a list of all charges on the account, what I did was add up all the charges and got a total.

Now what might be included in that total are some charges that might have been made and then might have been refunded by the Wool. IE my total is probably incorrect.

 

I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"

 

What does you all think about this as I value all advice on this forum????

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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I think if you believe, as you clearly state you do, that your total is "probably incorrect" then you should correct it without delay.

 

The Woolwich are owned by Barlclays plc, a hugely successful company that have made money their business.

 

They will notice, make no mistake.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Guest Mumofthreeboys
I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"

 

I think you should make sure your spreadsheet is correct. Any credits to your account for the return of charges should be shown on it.

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MOTB I dont have "a Spreadsheet" I have the info they sent me,

Titled "charges on accnt no"

 

It details charge type, date incurred , date applied , charge amount, transaction amount, avail balance, and info

 

I totalled up the charge amount column for my total. on these sheets there is no indication of any return of charges.

 

1. So how do I find out which were refunded from the Woolwich,

2. having sent my prelim with "incorrect total" info, what is my plan of action, and in what order should it be.

3. How do I let the woolwich know my claim total may not be correct?

4. How do I get out of this mess, and get back on track.

 

Ta

 

Delboy

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Guest Mumofthreeboys

I what form did they send you this information?

 

When you sent your letter you should have attached a spreadsheet to it.

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I what form did they send you this information?

 

When you sent your letter you should have attached a spreadsheet to it.

 

Mum they sent a list on paper with all charges made on my account

With this along the top

 

chrg-- date---- date ---charge --transaction--- avail ------info

type-- incurred--applied- amount- amount ----balance

-----i---------i--------i--------i-----------i------------i-----------

 

UC-- 31/5/06--- 21/6/06- 35.00 --828.13 ------600 ------mort comp

 

 

 

 

 

 

 

etc.

 

I thought the spreadsheet is only for use if you are claiming interest and doesnt go with the prelim?????

 

Help getting confused here:eek:

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Guest Mumofthreeboys

Right ok, just use the list they've sent you and put the charges into the spreadsheet. Why didn't they send you your statements? Did you send them the SAR letter?

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Nah Mum, If you look at the first er 5 posts on here, I was sent the list of charges because I was unhappy at how many there were, un connected with an SAR , a couple of posts later I was advised to send the prelim letter plus a schedule of charges... and not send the SAR

 

Why do I need a spreadsheet if I am not claiming on the interest? and which spreadsheet are we talking about have you got the link Mum?.

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Delboy are you saying you just recieved a list of charges of the back of your SAR? If so thats what I got. I then rang the Woolwich and asked them to go through every charge that had been reimbursed and then deducted these amounts.

 

As I've said in your reply PM it doesn't really matter at all at this stage because you haven't filed yet.

 

*Call the Woolwich and ask them to tell you which charges you have had reimbursed.

 

*Ammend your list

 

*Use the link you have to enter the charges into Vampiresses spreadsheet

 

*Send this with your LBA and your back on track

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