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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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Clydesdale Bank obstructive behaviour


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R1,

 

Absoloutly, post your letter up for us all to have a gander at.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Bookworm,

 

hang on, who said anything about buying a drink, I'm a sweaty after all so I generally manage to have them bought for me.......Doomed, we're all Doomed Captain Mannering!

 

As for being loud, I'm no shrinking violet myself, my neighbour 5 houses away says I always cheer him up when he hears me laughing!.......cheeky sod.

 

The only problem I have is that I'll be biking it in and I don't fancy wobbling home after a drink or two, so I'm on the coke, do they do doggy bottles?

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Bookworm,

 

hang on, who said anything about buying a drink,

 

You did! You said you'd seek me out and people are only allowed to seek me out if they buy me a drink or expensive jewellery ( you can choose!!! :-D)

 

I'm a sweaty after all so I generally manage to have them bought for me.......Doomed, we're all Doomed Captain Mannering!

 

What's a sweaty?

 

The only problem I have is that I'll be biking it in and I don't fancy wobbling home after a drink or two, so I'm on the coke, do they do doggy bottles?

 

That sounds a lot ruder than you meant, I think... :razz:

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Bookworm,

 

thats 'seek out' as in exocet..........LOL

 

A sweaty...........Sweaty sock............Jock.........(common term of endearment for a Scot, unless it's used by a Sassenach then it's just a filthy insult)

 

Sassenach........common term of endearment for an Englishman/woman but only when used by a Scot and yes......it's a filthy insult.

 

If it's used by any other nationality it's meaningless.

 

Used by an Englishman/woman it's only effect is to provoke giggling, sniggering, pointing and nudging between fellow Scots. No one else is in on the joke so the Englishman/woman is left standing in the middle of the pub looking foolish. (That would be like this mornings form playing cricket then!)...........LOL

 

OK, the bit about the doggy bottle being rude I just don't get and I have the filthiest mind you could imagine! Maybe I'm just getting old and slow.......no no, make that am old and slow!

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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So let me get this right, you use Cockney rhyming slang? Isn't that beign a traitor to your roots? :-?

 

I KNOW what a Sassenach is, I lived in Scotland for long enough!

 

You do know that a Sassenach is actually anyone born below the Highland Belt, don't you? :-D So maybe you're one as well, shock horror! ( I can see that free drink getting further and further away from me!)

 

And as for threatening me with your exocet, Sir, away wi' ye, I am a married woman, and besides, no-one likes a bragger! :-D

 

(Thread gone well and truly off-topic now)

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I don't care if it's off topic, it's getting near Christmas and it's good fun!

 

Other than the Scots would probably have referred to themselves as Sweaty Hose, who's to say it's Cockney rhyming slang!.........could have been a Scot that chipped in that particular bit of prose.

 

How Scot's are you really if you let out the secret of a real Sassenach, that's a closely guarded national treasure.........just as well this is a CB thread, hopefully there will be no English folk peeking in and we have gotton away with it.

 

Now, truth be known, I'm actually Chinese by birth so the term Sassenach couldn't possibly be levelled at me albeit I was brough up just north of glasgow for 22 years and have lived in Kent for the last 18 years so very lowerlanderish! but only by circumstance........LOL, I reserve the birthright of dodging that particular slur on my character, besides Scotlands about to thrash the Aussies at Murrayfield on Saturday and they need all the support they can get regardless of high or low lands, and hopefully another scalp for the boys.

 

Now that were going down the exocet route, the expression "And whats worn under your kilt sir" the stock reply being "Nothing at all, it's all in perfect working order" comes to mind. Not that one would responsibly try to conceal an exocet under your kilt (don't try this at home kids), messy if it went off :) a bit like carrying a firecracker in your trouser pocket........"Is that a banger in your pocket or are you just pleased to see me" Boom Boom!......(Basil Brush bit there).......Getting a bit carried away now, I think I'll go and lie down for a bit.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Been off for a few days, But I'll PM you a copy of my letter - see what you think ....I don't want to post it publically on here, as it would be easily identifiable !

Learned fools speak their nonsense in better language than the unlearned, but they are still fools and it is still nonsense !

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Been off for a few days, But I'll PM you a copy of my letter - see what you think ....I don't want to post it publically on here, as it would be easily identifiable !

 

Could I just offer a word of caution regarding advice by PM which is discouraged on this site for a number of reasons.

 

1. The success of this forum is due in large part to sharing information in the public forum.

 

2. There is no-one to confirm if the advice is either accurate or complete. Others may be able to offer additional help.

 

3. If the person receives bad advice which subsequently causes problems, they may try to sue the person who gave the advice in good faith.

 

So in other words this is to protect both of you.

 

None of us are professionals in this area here (or very few anyway) and all of our claims are confidential to us. As long as you don't include personal details like account numbers, names and addresses there shouldn't be a problem with identification. The banks will get to read any letters when you send them anyway.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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yeah, I accept that Caro, I'll obviously take responsibility myself for whatever I do - it's just handy to have a second opinion

Learned fools speak their nonsense in better language than the unlearned, but they are still fools and it is still nonsense !

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I don't care if it's off topic, it's getting near Christmas and it's good fun!

 

Seconded.

 

How Scot's are you really

 

Errrr.... Not at all, I'm French. :-D

 

Now that were going down the exocet route

 

We are?

 

the expression "And whats worn under your kilt sir" the stock reply being "Nothing at all, it's all in perfect working order" comes to mind. Not that one would responsibly try to conceal an exocet under your kilt (don't try this at home kids), messy if it went off :) a bit like carrying a firecracker in your trouser pocket........"Is that a banger in your pocket or are you just pleased to see me" Boom Boom!......(Basil Brush bit there).......Getting a bit carried away now, I think I'll go and lie down for a bit.

 

That's probably wise.

 

By the way, I hear Bob Monkhouse's family is looking for the second volume of his joke book: "Bob - The Scottish years"... Any ideas, by any chance ??? :-D

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How did it go today guys, I'm really sorry I couldn't make it, I have had my kids to look after since Tuesday when I had to rush my wife into hospital (and I do mean rush) nothing serious but she was in terrible pain.

 

R1, mate, stick your letter up here, even if the tossers read they cant do anything and will see that your part of a group that is actually doing something about them.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hey Bookworm..........you imagine Bob's material was his own? Damn, I only borrowed his stupid book to fill in the last few chapters! It was going to be titled "Bob, my Scottish roots, written with my mate Dread who's my inspiration and abiding companion" (I thought the title needed to be shortened but......we all know Bob!) then quite unexpectadly the book was stolen from me. Imagine the press reaction, well obviously they didn't want to implicate me so they kindly left me out of the whole sordid affair thereby maintaining my anonymity to help my other mates write their books like "Bono, did they call me that at school or did I make it up". Then good old Elton "Did they call me that at school or did I make it up?.....don't be stupid it was the first attempt at Bernie naming something and it stuck". These artists really ought to get their titles sorted out! Talking of titles, "Beyonce" whats going on there then, if she wants a short name, take a leaf out of my mate Princes book and do it properly, squiggle, that was my idea as well, as soon as he started using it no one recognised him, all through the 90's and to date, we have not seen hm so it worked...........Damn I'm good........Strangely though, I feel the need to lie down, can't imagine why.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I wondered where you were Dread. You missed a good day (and night) but I'm still absolutely shattered. The link below takes you to a thread with a few accounts of the day, as will as links to press coverage, particularly Channel 5 news which has interviews.

 

http://www.consumeractiongroup.co.uk/forum/campaign/35765-protest-against-unfair-bank-22.html

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I wondered where you were Dread.

 

Like a true Scot, hiding in case he had to buy that round! :lol:

 

I got accosted by a friendly Scot on the day, and thought to myself: A-ah!.... Turned out he was a mod on the penalty charges site, and obviously not you... Imagine my disappointment... :rolleyes:

 

Hope all is aok at home.

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Like a true Scot, hiding in case he had to buy that round! :lol:

 

I got accosted by a friendly Scot on the day, and thought to myself: A-ah!.... Turned out he was a mod on the penalty charges site, and obviously not you... Imagine my disappointment... :rolleyes:

 

Hope all is aok at home.

 

She also got accosted for a TV interview. She's such a celeb since her Tonight with Trever McDonald appearance in the summer that you just can't drag her away from the TV cameras.

 

Still I shouldn't moan too much. Thanks for all the lifts BW and to your roadie for supplying the drinks and carrying my stuff too. Now theres a man who knows how to position himself by the bar.:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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"Accosted" is the right word. Although to be fair, the TV guy was put up to it by someone, can't quite remember who... All I know is I turned round, and they were pointing at me, saying: "That's the woman you want to speak to..." :shock:

 

I think I'm going to have to go post my version of events somewhere... :razz:

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You were a star in every sense of the word BW, and I can confirm that she was not actively seeking press attention, unlike some others who shall remain nameless.

 

Anyway you and I both managed to have our backs filmed to get our user names off our CAG t-shirt(me) and sweatshirt(BW). Wonder why they didn't want my front.:rolleyes:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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They didn't have a wide-angle camera? :razz:

 

Bitch!

 

To all other users. Only I can say this to BW as I have mod privileges, which may be taken away from me at any moment. ;)

 

Dread, sorry to have hijacked your thread, but you did ask about the day so I hope you will forgive it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Caro and Bookworm, Hijack away, I'm loving it and as I have nothing more to report than having written to the FOC with my complaint on CB's obstructive behaviour (filled in the official complaint form) and sent it off on Friday with all the letters I have written to them. Hopefully they will do something although, like you, I doubt it however I reckon it's worth a try.

 

Considering I'm only about half an hour away from the protest I was pretty hacked off that I couldn't make it, as for my wife, she recovering, almost back to normal. I'm glad you all had such a good time, now I guess I do owe you two a drink.......a painful offer I'm compelled to make, painful?.....short arms and long pockets ! LOL. I'm off to read the reports on it now.

 

Thanks to all of you guys for turning up for yourselves and on behalf of the ones that couldn't make it.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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You're forgiven in the circumstances Dread. I'm glad your wife's on the mend.

 

It will be interesting to see if you get a satisfactory result, although I assume they will have to respond to an official complaint. Keep us posted.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Postcom didn't want to know !! ...they said -

" Postcomm does have the discretionary power to prosecute in relation to this offence. However, in this particular circumstance, Royal Mail has discharged its responsibilities by delivering and returning your letter (I note that the item was left in its opened state when returned by the bank). As such, we do not consider it appropriate for Postcomm to become involved"

Learned fools speak their nonsense in better language than the unlearned, but they are still fools and it is still nonsense !

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R1,

 

what a bummer, as usual an organisation set up to protect members of the public doing a F*****G great body swerve. Did they say who you should go to about mail being tampered with?..................stupid question really, they would probably say the Police, who would in turn say, "civil matter mate, sorry".

 

What the hell do we all pay income tax, VAT, Road tax, petrol tax and every other damned stealth tax, struggle like buggery to build up businesses, educate our children and turn them into decent citizens when the chav's on the street corners can't be moved on and stupid ass quango bureaucrats simply shuffle paper, go for 3 hour lunches, take their fat salaries and refuse to do anything for the people they are supposed to represent!........Spitting mad doesn't quite do my feelings justice.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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And there's a coincidence, letter arrived this morning from FOS, usual bumph about passing on the complaint to a caseworker blah de blah. No Christmas card, not even a Merry Christmas! I suppose their too politically correct in case It'll offend my faith!

 

I did, however, get another obstuctive letter to the last letter I wrote to CB which now I can't find!...........did a monster shredathon last week, hope it didn't get mixed up with that somehow.

 

Right, thats it for now.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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R1,

 

I'm still spitting mad (10 minutes later...LOL). They are complete tossers, prosecution is usually discretionary and it's not the effing Post Office they should be doing something about it's the sodding Bank. So we all now receive summonses, tax demands, parking tickets for Pete's sake!, by registered mail, open it, don't like the contents so simply drop it back in the mail to be returned to the sender. I bet Postcomm would be fast enough to prosecute one of us for doing it, but not a bank........Noooooooooo, they're to honest, must have been a mistake! Feck, Feck, Feck!

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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