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    • Thanks for the advice and pointers much appreciated, letter will come from daughter in law but I would type it her up and print it off for her.   The officer told her he could not guarantee it would not happen again like you say I am astounded the Police have time to be stopping a driver who has proved 5 times now that she is legal to be on the road none of it makes sense.
    • We requested evidence for the PCNs and have received this. Where do we go from here?  BW_Legal_Evidence-compressed.pdf
    • Definitely move the cars ASAP, the bailiff will come back and clamp them, don't wait bailiffs can now call on Sundays and most Bank Holidays.
    • What should you do? Totally ignore them. Next time you are there take photographs of Athena's notice at the entrance to the car park plus the position of the others as well as any difference between the T&Cs of their signs. Also a picture of their payment meter as the T&Cs there are often different from the signs. Check with the local council to see if Athena have permission to erect signs and ANPR cameras under the Town & Country [Advertisements] Regulations -they are often online these days. Also ignore any future correspondence from them and their unregulated debt collectors and do not be afraid of ever escalating fees most of which have no basis in Law. The time to come back to us is if they send you a letter of claim where a snotty letter to them may discourage them.Also read other threads on here to get an idea of the numties you are dealing with. One amoeba has more intelligence than all the car parking rogues together. It is still worthwhile contacting Lidl even without your receipt and especially where you have a record of regular visits to them.
    • First, I'm a bit surprised that your local police force has the manpower and time to waste chasing up a complaint from a member of the public that a motability car's paperwork may not be in order, bearing in mind that most forces can't be bothered to follow up reported burglaries, if stories in the popular press are to be believed.  But if that's what the police officer has told you, that's what he's told you.   If you want to follow up his suggestion to make a complaint, check your local force's website for how to do so.  Or (bearing in mind the history of problems that you've had before) write straight to the Chief Constable (website again).   Simply say you want to make a complaint about the number of times your daughter (or whoever) has been stopped by the police for no apparent reason.  Give a list of when and where this has happened and what the outcome was (presumably that the police took no further action).  I would also add that in the latest incident the police officer actually suggested making a complaint about the number of stops.  Not only do you (or your daughter or son or whoever it is) find this police action to be extremely distressing, but you also consider it a waste of scarce police resources.   Ask for an explanation as to why this keeps happening and ask for an assurance that the police will stop doing it.   You may also want to add (see what others advise about this) that the police officer in the latest incident also told you that they had received a call from someone saying that the car's paper work "might not be in order".  Say that you are concerned that whoever made this false allegation is wasting police time.  (You may want to think carefully about this as it may not improve your daughter's relationship with her neighbour!  If the allegation came from the neighbour.)   Those are my initial thoughts but it's a bit late to be thinking clearly.  See what others suggest rather than just relying on my suggestions.   [The letter really needs to come from your daughter (or whichever family member keeps being stopped) and not you, unless you can make it perfectly clear in the letter who it is that is being stopped etc. and that you are complaining on their behalf.  Is that clear?]
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Bakerboy27

Coop account and hardship

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Hi,

I have a friend (no really) who has debt problems which are being added to I believe by the charges levied on her account.

 

 

She had a basic account with no overdraft facility

although she did keep going overdrawn and hence accrued charges,

these have snowballed as happens and resulted in the account being closed.

 

The thing is she is on benefits which the bank are obviously aware of and as soon as the benefits are credited they have been swallowed by charges adding to the debt problems she has.

 

I have tried finding posts on here but dont seem to be finding what I need so can anyone point me in the direction of reclaiming charges under hardship rules if this is possible.

 

would it be prudent to send an SAR or is this likely to be a dead duck ?

 

I am in the process of collecting all the info that I can.

Cheers

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First things first is to get a NEW bank account with a separate banking group, otherwise the bank will steal anything that goes in.

 

SAR the bank yes, find out exactly what charges have been levied on the account, and the interest charged, then under the hardship rules reclaim them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks, yes that is in hand not quick enough unfortunately, got her to apply for a post office account yesterday but they have closed her account today. not good !

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hardship letter should be in the debt collection section of our library


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Single Premium PPI Q&A Read Here

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Thanks, yes that is in hand not quick enough unfortunately, got her to apply for a post office account yesterday but they have closed her account today. not good !

 

Matters not one jot if they closed her account, open another one, and reclaim all of the charges the parasites levied as they knew she was in financial hardship.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They closed it when she was in the black, refusef to let her have the 30 quid she had on saying that she might be overdrawn in a few days !!

Its the inconvienience of not having any alternative and done with no notice.

Really stinks.

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They closed it when she was in the black, refusef to let her have the 30 quid she had on saying that she might be overdrawn in a few days !!

Its the inconvienience of not having any alternative and done with no notice.

Really stinks.

 

Then she needs to lodge a formal complaint with the bank, exhaust it, then escalate to the ombudsman.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yes, complain. notice should be required.

and any money available at time of closure or withdrawal should be paid back out, regardless of what might poss happen in the future.

it seems coop bank is on the way out.


IMO

:-):rant:

 

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My advice would be to get your friend to join your local credit union. Not only will they provide a Visa debit card, they will encourage her to save a little each month, even £10 mounts up. The other good thing with a credit union is that loans are available, some on joining. Typical loan of £300. They do everything a bank does, but a lot better and without all the charges. Unlike banks, they will lend £500. I've used the Lincolnshire Credit Union for many years now and have received an excellent service.

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I had similar problems with the coop bank a few years ago now. They closed my accounts with very little notice, said that because I was just a basic account holder that it operates with different rules from a normal bank account. Even after banking with them for over 5 years they still closed the account and never upgraded it to a normal account.

 

I joined Barclays and opened apt heir basic account. 4 years on and it's been the best decission I've made. I now have a normal account. Their online van kings a great help, but what I've found the biggest help is that they will pay a direct debit, if you don't have enough in to cover it they will text you with the minimum funds needed to pay the DD and you have until 3pm of that day to get money in.

 

It's really hard when your at the bottom with no way out, but finding a better bank can really help you start yo straighten things out

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