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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
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Lloyds Breach of SAR court claim issued ***Resolved***


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Normally it would be Tuesday but try it tomorrow anyway

Nothing to lose

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Awesome - thanks i will try it tomorrow. I assume MCOL won't let me enter it if it's too early? I know they can still file tomorrow or over the next few days, until MCOL process my judgement. Any ideas how long it can take for a judgement via MCOL to take to be served please?

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How long is a piece of string?

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Think about telephoning them in 10 days and see where they are

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So today is d-day and i tried to submit a judgement online. MCOL wouldn't allow me to submit the judgement, as i had to wait until tomorrow. Having logged on again this evening I have now discovered that Lloyds have filed a defence at the 11th hour. They have been sent a DQ.

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Okay. Post up the defence as soon as you receive it.

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It will be interesting to see what there defence is. With all the evidence i have personally collated , plus the ICO correspondence, i am astounded they have filed for a defence. Where is madpriest when you need him!

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Have they seen the ICO email?

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I dont think so.

The ICO Case Officer said they were writing to Lloyds on Wednesday last week.

I doubt they will have received or processed it yet.

 

I haven't made any disclosure to them about it either.

So the way i see it is, i have evidence of the breach with my own correspondence and from the internal case notes, I have seen from the bank, as part of the original SAR.

 

I also have the correspondence from the ICO and i am hoping to have evidence from other consumers too.

 

Once i receive the defence, what are my next steps?

Edited by dx100uk
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So it may be that they going to make a bald denial without realising that the ICO has already expressed an opinion against them.

That could embarrass them. Let's wait rather than speculate

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Today I have received Lloyds Bank defence. I have attached a redacted copy of their defence.

 

In summary, they admit to not complying with my DSAR at the time the claim was issued, but avers it has since complied with it's obligations.

 

Unfortunately for them, they haven't complied, as there were numerous documents missing from the two large data bundles they originally sent me, and having written to them, to advise them of this in early April, I have still yet to receive an acknowledgement of that letter, or the full data disclosure I have requested.

 

I can prove they received my letter, as I sent it via an email, which I still have the original in my sent mailbox. I also happened to have sent the email to four people

 

(1) the DSAR team manager's email inbox (i have the group email address for the DSAR team manager's) and i know this works, as i have sent the other letters they refer to in there defence, via the same email address. Unfortunately for them, I also sent it to

 

(2) the named Customer Complaint Manager, who is dealing with my internal complaint, and

 

(3) there general Complaint email inbox. Finally, as I wasn't getting anywhere I also decided to copy in

 

(4) the Chief Executive Mr Antonio Osorio himself.

 

They make no reference to the fact that i am still waiting for full disclosure, or any reference to my letter advising them of this fact. So I believe it still prudent for the Court to issue an order under Section 7 of the DPA.

 

The last part of there Defence is that they want me to prove the £200 damages i have asked for (i.e. letters, phone calls, and time away from the desk in the workplace, in order to make these numerous calls).

 

I am in the process of collating all of the evidence i have, and i am currently writing up a bullet point list to cover all their points.

 

Any guidance on next steps would be much appreciated please CAGERS. :-)

Lloyds Bank Defence.pdf

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So very briefly they are admitting the statutory breach and merely disputing quantum. Is this correct?

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OK. That is straightforward enough. It's a shame that moneyclaim won't allow you to apply for judgement on the basis of this.

There must be a way to make a paper application for judgement and as long as it doesn't cost any money then I think that you should do it.

Apply for judgement on the substantive issue and then continue the dispute on the issue of quantum.

Don't bother to send a reply at the moment.

 

Who are the solicitors?

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That sounds good news Fodder. I did originally complete an N225 Request for judgement and reply to admission (specified amount) as MCOL wouldn't allow me to apply for a judgement. The button for request judgement has no been removed from my MCOL claim.

 

Having just reviewed the N225 the form doesn't look like i can make a paper application for judgement. It says tick A if the defendant has not filed an admission or defence to my claim - which they have. Or tick B if the defendant admits that all the money is owed.

 

Any idea on what form i need please?

 

The solicitors are Eversheds Sutherland.

 

No worries - catch up with you then. Can you you please also double check with their Defence, that they are actually admitting the statutory breach.

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If you are unable to request judgment online you can complete form N225 (or N225A where the defendant has filed a part admission) and send it to the court. Please be aware that doing this will prevent you from taking any further action on the claim online.

 

Forms N225 and N225A are available to download from http://www.justice.gov.uk/forms.

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Be aware that you can only use the N225A if the defendant returned the N9a (Admission Specified)...an admission contained within a defence is not the same...and the claim continues as a fully defended claim.

 

https://www.gov.uk/government/publications/form-n9a-form-of-admission-specified-amount

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Yes, I eventually found that when I was hunting for suitable forms and it was the form N9 concerned me.

 

If there is no form N9 then I would suggest that may be the best thing to do is to wait for the questionnaire and then asked the judge for an order that judgement be given for the admitted part of the claim and the case to proceed on the disputed issues.

 

Even if the judge says no, it will bring everything to everyone's attention. I really don't expect Evershed's to want to commit their clients money on this for the sake of such a small claim when they've already admitted the statutory breach. However, it is very important to get the judgement. I think you should hold out for this even if they try to offer you the money. In certain circumstances you are not obliged to accept the full offer if there are reasonable grounds for continuing. In this case, this is an important statutory breach of data protection obligations – something which is very prominent in the public mind nowadays. Lloyds are serial breachers of their DPA obligations. The ICO was already injured an opinion that they are in breach. They continue to be in breach in respect of an incomplete disclosure – which in my view is even more serious because it is essentially deceptive and amounts to withholding information rather than the mere delay. There is clearly an interest in going forward on this.

 

If/when you get the judgement, then I would be sending it to the ICO and also to the FCA and also to the ombudsman. I think that you would need to make this clear to the judge as well and that this is why a judgement is extremely necessary in this very low value but extremely serious case. When you get the questionnaire we'll help you work something out.

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Well I think I have fallen seriously out of date. I thought that the DQ would give you an opportunity to seek particular directions and I was going to suggest there that you ask for judgement on the admitted portion. I've just looked at an online DQ and it seems that is not possible. I'm wondering if there is another version.

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I've looked around and I can't find another version – unless site team member Andyorch can come up with one – as he so often manages to do!

 

Otherwise, I suppose you had simply better fill it in. I suggest that you don't bother to ask for mediation. Obviously you want it on the small claims track. You want in in your local court - because you are a private individual and the defendant is a well resourced business. No expert evidence. No witnesses. Blah blah.

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Directions are set by the court in SCT N180 ...always have been.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?406099-LEGAL-N180-Directions-Questionnaire-(Small-Claims-Track)-**Correct-at-Sept-2016**

 

Complete it on your PC and run 3 copies...Court /Solicitor/File

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Fodder, thank you for the support and guidance to date. Andy thank you also for your support and on-boarding to these important documents. I have just completed the N180 and will print off 3 copies Court/Solicitor/File.

 

Guys, at what point can i write to the Solicitor and judge to respond to the Defence? Or can i only do this at the actual Court hearing? I am also keen to make the judge and Defendant's know that i am not prepared to enter into further mediation as i have previously attempted to do so on numerous occasions via telephone and on two occasions in writing.

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