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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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the don versus halifax !!!


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Hello am new here so please excuse any inaccuracies !

I have three accounts with the same bank - Halifax,

do i send one data letter with all three account numbers on it as it says in the letter "all history with your banking organisation"

or do i send three seperate letters to them ? Any advice is appreciated cheers

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  • 2 months later...

hello everybody !

i have sent my first lba on the 16th november and received a swift response from Joanne Carmichael a customer relations officer, in it she says that they are sorry i am upset with the charges made against my account that they are going to lookinto those complaints and will get back to me no later than four weeks ! very nice ey lol

so i am just wondering do i send her a letter back telling her i am proceeding anyway or ignore it and stick to the timetable ie wait another seven days then send final lba ?

cheers

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hey there only me again ! well just received another letter fromthem today informing me that am overdrawn by some 150 as they have continued to charge my dds eventhoi cancelled them !! if my account is od does that affect my claim ?

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right have checked with the bank today an they got cute saying can you remember who it was you spoke to about cancelling them ??? when i signed a receipt cancelling them etc ???!!! there is no record of it basically accuced me of lying !!

so now do i have to put the 150 back into my account to proceed with my case or do i just add the charges to my lba ?

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hiya everyone right this is absolutely mad !

I sent off two sars back in ocotber 6th one for me and one for my pal, nothing has come for my mate i have had all my information sent to me !

so last week onthe 17th i sent the template letter asking for the statements again

TEMPLATE LETTER 3

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated (Insert Date).

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully __________________

 

at the same time that i sent my prelimary letters for my claim to the same address, guess waht happenend next ! i got a nice fob off letter from customer relations my mate still aint heard anything !!!

 

So when the time expires for them to respond does he proceed with the claim as outlined by alan form derby ? doing that Order under Section 7 and Section 15(2) of the Data Protection Act 1998

Damages will that cost a lot ?

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hey everyone hope all is well !

right am about to send halifax my LBA jsut got a couple of questions

do i include my sar fee or claimthat later in my court claim ?

is it alright if i just claim ordinary 8% interest later too with that court claim ? i arent claiming for any overdraft jsut bounced dd's cheers

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  • 2 weeks later...

hey everyone i have a quick question i have got two accounts with halifax that i am trying to get the charges refunded on am gonna be at the MCOL stage this friday so was wondering how do i go about submitting this claim with both accounts in one claim wording etc not my strongestpint so any help would be appreciated i dont wanna give them any excuse to mess me about about at this stage cheers

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  • 5 weeks later...

hey everyone hope your all having a great weekend i think i have made a huge mistake with my claim !

i filed on the 28th december online for 1000 but i thought that you waited until the bank or their lawyers got in touch with you before you send them the spreadsheets and full particulars of claim !!

the 14 day period expires on monday and i aint heard anything from halifax or their lwayers so am a bit nervous is this normal have i messed it up ?

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This is why it is always suggested that anyone wishing to make a claim should read the FAQ's (http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/), read the http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html, and read lots of other threads - so you're sure of what you are doing before you start.

 

In effect you've gone straight to court and claimed there, without giving the bank reasonable opportunity to deal with the claim. I'm not sure what will happen, the Halifax will no doubt put in a defence and part of this will say they had no knowledge of the case.

 

See what comes back from court, you may have lost your court fee through doing it this way but could re-start the claim properly ?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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hey there thanks for your reply i have sent the dpa request then the prelimary letter then the LBA all within the required time frame and reeived letters back from the bank about these its just when i filed my claim at the MCOL stage i didnt then send the bank and court the spreadsheets and further info except what was on the MCOL form have received notice of issue form the court on the 28th of december but as yet heard nothing from the bank

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Ah, now that makes a bit more sense as to what you've done. You have followed procedure and arrived at the court stage, from your post it looked like you had just filed at court without any of the correspondence with the Hx.

 

When you file with MCOL some people send copies of the spreadsheet to support their claim, but it may not be needed at this stage. The Hx should have up to date figures for your account, so will be able to cross-check the amount you've claimed. If they disagree with the figure they'll be quick to say so.

 

If they intend to defend then MCOL will allocate the case to a local court, they will not deal with it themselves. The court should then ask for supporting documentation.

 

What will probably happen is that you'll hear from the court around the 14th day to say the Hx are defending the case. If it all goes according to their usual timescales they will go no further than that, and will pay the claim within a few days of that. Once it's cleared into your account you would need to notify MCOL, or the court if the case was allocated to one, that the claim has been settled in full.

 

It is not unusual for the Hx to keep very quiet and not let you know anything, they'll deal directly with the court for now.

 

Sorry for any confusion in the last post, it did sound like you'd jumped the gun though. Looking back through other posts you've made I could see mention of the SAR and LBA, perhaps a PM to a moderator would help as they can pull everything into one thread for you.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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hey there thanks for the reply mate i know my postings have been a bit all over the place ! lol am learning now though ! well the 14 days was up yesterday checked today and its been acknowledged by halifax which buys them an extra 14 days from now or an extra 28 days am not quite sure which ?

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WOOO HOOOO !

i won i won i won

it happened just like you said went home checked my post an was al etter from them saying due to commercial reasons wouldnt be able to afford teh costs as wuould be snmall claims YEAH am gonna just say thanks to all this site is great#have told all i know about it an gonna donate asap ta ta ta

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hey everyone i have just a query as am about to claim for my second halifax account have done the process statements prelim lba all within the timescale and received usual responses from them. My question is as i sent my LBA to them on the 16th December can i submit my claim now as it is well past the 14 days or do I send another LBA ? cheers

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