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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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DhandI vs halifax


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I'm so cross, spent all week in tears. I can't beleive they can rob us of our money like this.

August we go overdrawn a little bit, had no idea at the time as card (although we don't use it much) worked and bills paid.

Sat here now £400 over the overdraft, having spent not one penny of my husbands wages this month. They took everything and now all they are interested in is us paying it all back, abusing credit apparently. Which we haven't, they abused us. We are only in trouble because of all the fines which they imposed on us, they are treating me like I deliberatley spent money I didn't owe. I had no idea the card carries on working when you have nothing. By the time letters came to tell us it was too late. They'd fined us too much to escape.

I'm so cross, it wasn't like we'd gone out and bought a tv or a holiday. We'd just bought a couple quid too much petrol.

So i'm writing my letter now. Just so angry I don't know what to do with myself.

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  • 2 weeks later...

Well data protection request and cheque (despite being sent internally and I have reciept) been lost by halifax. I have however been given a direct name to contact regarding this - Ken Patton, I notice he is already known to the group. Customer relations lady very nice considering she knew what we were doing.

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Well data protection request and cheque (despite being sent internally and I have reciept) been lost by halifax. I have however been given a direct name to contact regarding this - Ken Patton, I notice he is already known to the group. Customer relations lady very nice considering she knew what we were doing.

 

If you have a receipt for sending the letter, you need to write to Halifax (use address on site, not branch) and advise them that the 40day deadline started on the receipt date that you have, let them know how many days they have left to comply, and advise them that if they fail to comply, you will contact the Information Commisioner and make a formal complaint (Template Letter) and also advise that you will consider Court Action if they fail to comply.

You need to make them aware that they are working to YOUR timescales and not their own.

Halifax are not the worst when it comes to compliance, and I`m sure that if you take the action I reccommend, your statements etc will arrive on time.

Best of Luck, if you need any further advise, please let me know.

 

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Thanks! Had a confirmation that we will get the information by the 22nd of december.

On top of all of this we find out my husbands wages have been lost..his employer bacs them to my account Friday and they never arrived. Also one reason for all the fines was in october my husband was only paid half of what he should've been. Weird thing is on pay day when we checked the account the full amount was there, on our bank statement since the amount has changed. Really odd.

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Is the 22nd December within the 40 day limit?

I don`t quite understand how your husbands bacs payment can be `lost` - if his employers have record of it being sent, and can provide the receiving account details, you should be able to take this into the bank for them to put an instant trace on it, but given the issue with your husbands October pay, are you sure his employers made the bacs payment??

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Yep, the 23rd would be the 40th day.

My husband isn't the only one with missing pay, the company has lost about £60k in wages! Left their bank (lloyds) but never reached the employees. Apparently there's no pattern to who it has happened to, all different banks on the receiving end involved.

I think they should just pay out again and then sort out the problem of missing money with the bank, not leave staff hanging on without money.

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Under Employment law within the UK your husband has a right to be paid On Time, it forms part of the contract between your husband and his employer.

Even if the Bacs issue was geniune, it would only take your husbands employers a matter of minutes to reverse the payments out, and retrieve the wages, they would then be able to manually intervene (somthing that the banks like to do quite a lot!) to ensure that your husband was paid his wages.

If they have allowed you to go without money for nearly a week now? they have failed in their "Duty of Care" to their employees.

Your husband needs to get tough with them, as they are quite obviously not doing enough to resolve the situation.

A visit to the Citizens Advise may be of help to you as they should be able to assist in helping to resolve the issue.

Good Luck

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Got all our statements (rather amusingly in separate envelopes..is this where the tenner goes?) today. I've totalled up £3712 over 4 years in charges.

Letter and schedule in the post tomorrow. Still working on the wages!

 

Just a couple of questions.. who do I address it too. I have had a good search of the forums and can't find a specific reference to the best address for the prelim request. I was thinking the HBOS trinity road HX1 2RG but is there a person/department best to address it too?

 

Also when you win, where does the money go? Do they send a cheque or credit the account?

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  • 1 month later...

Well got some money to file the claim online as that seemed the easiest way! I'll apply for a refund (mind you by looks of it my husband will have a new job by next week)!

 

So is there a letter you should enclose when sending the schedule of charges plus the 8% interest that I need to send to halifax now (as the particulars of claim say I will send another copy)?

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  • 2 weeks later...
  • 3 weeks later...

I cannot post on the success board so will have to stick this here!

Halifax paid up £3,740 last week. It was the original amount we asked for before starting the claim with MCOL.

We lost the interest and charges due to our mistake on the MCOL site (I use firefox, and an important box to do with inputting the interest didn't pop up apparently)...we just didn't have the time to start again so accepted Halifax when they made the offer.

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oh great! Got a letter today offering me the full amount plus court fees.

 

Dated the 6th of february!! So they sent the offer of full amount minus court fees after this letter which we accepted. Blimming royal mail!

 

Sign the acceptance and send it back to them, advise them in a letter that your gratefull for them sending you the improved offer which you accept in preference to their previous offer. Tell them that on receipt of the funds from this new offer you will contact the court and advise that the case has been settled (after cheque has cleared).

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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