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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Going after the charges for my girlfriend...


Richy Freeway
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  • 2 months later...

Right, massively confused now.

 

I've got back a list of all the charges, it has entries as such :

 

10/09/2001 CHG O/DRAFT INTEREST 3.16DR

10/09/2001 CHG O/DRAFT USAGE FEE 5.00DR

09/10/2001 CHG O/DRAFT INTEREST 2.12.DR

...

09/05/2002 CHG O/DRAFT INTEREST 1.93DR

09/05/2002 CHG O/DRAFT EXCESS FEE 25.00DR

 

Right, now I understand it's the excess fee's I'm going after. I know I've got to write the letter saying how much I'm claiming back, but what I don't understand is what parts of that I can be claiming. Can I claim all of those things or just the excess fee's?

 

Also I have to include a schedule of fees? What goes on this?

 

I've seen all the spreadsheets but I have no idea which one to use.

 

Arrgh! I'm usually quite bright but this is TOTALLY baffling me. Any help is gratefully received, by me and my girlfriend! :)

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Hi

You can also claim O/D Usage fees.

You can claim O/d excess fees, unpaid DD Charges, unpaid CHQ Charges, unpaid SO charges.

The o/d interest is quite a complicated one to work out, you can claim back part but not all, and I personally, along with some others on here, didn't bother claiming this as it didn't add up to a great deal.

If you fill one of the spreadsheets out, I think I used the basic one, and then print this out as your schedule of charges to send to the bank.

Hope this helps a bit, it will all become clearer the more you do!

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 2 weeks later...

Right, lemme get this straight. I'm still waiting for them to get back to me after I sent the first letter. They've got til Feb 1st to respond (assuming 14 working days). Once they respond (assuming they do) I should then send another letter with the revised amount? Or should I just send another letter now with the revised amount and then count the 14 days from then?

 

Cheers in advance!

 

PS. What's LBA? :)

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Got a letter through from the bank on Saturday.

 

Dear Mrs xxxxxxxx

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

Like any business, we do make a charge for some of our extra services. When customers don’t have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can’t agree it. We feel it’s fair to charge for this service.

Of course it’s only fair too, that we’re completely open about any charged-for services before you take them up. That’s why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.

Just as importantly, we do everything we can to help our customers avoid these charges altogether. I’m sure you’ll know how easy it is to keep a running check on how much is in your account. You’re free to get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.

If you know a payment is going to take you over the limit we’ve agreed, you’re welcome to see if we can raise it and we can usually give you an answer straight away. Again we can do that for you by phone, on line or at any of our branches.

You’ve mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don’t agree with the OFT’s thinking on this and we’re still talking it through with them. But the important point is that the guidelines are about ‘default’ charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you haven’t broken your agreement. They are our prices for the service we provide in these situations.

 

 

I do hope you can see that we make our charging system as fair as possible and why I can’t agree to cancel your charges.

Please let me know if there is anything else I can do. If we cannot come to an agreed solution after this I will help you refer your complaint to the Financial Ombudsman Service for independent advice.

 

If you are happy with the way I have dealt with your complaint, there is no need to reply to my letter. If I have not heard back from you by the 14/03/2007, I will close my file, though I will be happy to reopen it should you come back at any point afterwards.

 

Yours sincerely,

 

Debbie Gilbert

Team Manager

Customer Service Recovery Centre Andover

What's my next course of action? LBA?
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