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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Hi everyone. This is only really my second post since I joined in March. It was my dad who showed me this website and how thankful I am to him now. I spent a good hour crying and stressing tonight because my internet service provider, Pipex, have taken out the direct debit early AGAIN :mad: so that's TWO times now, after agreeing a date with them so as it WOULDN'T happen again. Anyhoo, I called the bank and said, no, I won't pay it I REFUSE. So the 1st girl said that there's nothing she can do and they can't refund it whatsoever I have to speak to Pipex as this is their fault and Halifax have already refunded once before when this happened as a "goodwill gesture". Goodwill my backside, they have no grounds to make these charges on!! She upset me so much I eventually hung up on her. Called Pipex who asked me to send the proof in I was being charged by post. At first I refused because I still haven't heard back about the one from August!!! I said to him what good is that to me I'm obviously not going to get a reply any time soon am I. He advised to call back tomorrow and speak to their Finance dept who work 9am - 5.30pm. I asked if he was billing trained and he said no. So really, why does the option offer you to go through to that department if they are not open at that time of night.... So, I now have to fax this dratted bank charge letter through to Pipex tomorrow from my work as that's the only place I can do from anyway. Halifax have upset me so much by not refunding the charge that not only do I want that back but I want EVERYTHING back that they have ever shafted me for since I opened the account which will probably be around 6 years :p. I'd love to hear some advice from others on the best way to go about it. I'm gonna read up on it tomorrow at work as I have all-day internet access. Maybe print out a swift letter or 2 from work as I have access to a printer there ....;) they so deserve it. The second man at Halifax was rather rude to me and didn't even care if I were to cancel the account and take all the money from it. *sigh* I want to get them and get them GOOD. please help!! :)

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haileyraeburn firstly you need to read read and read, it is so much easier after reading up the faq's and some peeps posts and if you need advise then stick to this thread. Send the bank a SAR (subject access request)with the £10 required which will take up to 40 days whilst your waiting get stuck in and read as much as your head can take. Find the SAR in the templates library, good luck.
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Welcome.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help

 

All the info to get you started is here:

http://www.consumeractiongroup.c o....se-read-these/

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

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thank you guys, was just getting a quick feeler for the forum before I toddle off to bed tonight. Much reading will be done tomorrow and a few letters printed out I have no doubt. Will advise on progress soon as I am very, VERY keen to bring Halifax down and give them again what they deserve :) thanks so much, you're all so helpful, you've given me hope.

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Well, posted my S.A.R letter this morning, haha, i was queuing (sp?!) up outside the post office waiting for it to open at 9am before I went to work so I could get it posted recorded delivery! So, that's it done now, the process is started. Do I start my 40 days from today? Or when they sign for the letter?? Thanks guys :D

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  • 2 weeks later...

well, only a wee update, still not heard a peep from them although they have cashed the £10 fee and I see that it cleared on the 1st December. Someone received and signed for the letter on 27th November, do I start the 40 days from there yeh? Thanks.

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As that's when you've seen proof of them receiving the letter, yes that's when to count the 40 days from. And you don't have to add on any extra just because there's a bunch of bank holidays coming up - isn't that nice?

I found my statements came about 3 weeks after my cheque was cashed, and about 4 days after my 'statements are being sent' letter. So maybe a nice Christmas present?

HALIFAX

30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed

BARCLAYCARD

20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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  • 1 month later...

Hi all, posted off my 1st charge refund request letter to Halifax and it was received by them on 25.01.07. I received a letter back from them today dated 30.01.07 stating that I will "receive a reply shortly, but certainly no later than 4 weeks." Do I accept this or because I have given them 14 days starting from 25.01.07, do I stick to my guns and send the second request letter if they haven't replied by the 7th of February? Please help! Thanks!

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Stick to your timelines... I have read and read this forum and these are your terms not theirs!

 

Good luck!:D

26/01/2007 = Requested 6 Years Bank Statements.

02/02/2007 = Received statements, charges £1,684.

02/02/2007 = Sent Prelim Letter recorded delivery!

:D

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:) Thanks, I thought but I just wanted to make double sure I was doing it right. Just a bit afraid in case it goes to court haha! I should think they'll give it back, it's only £249 so I doubt they'd bother going to court for that would they?
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You never can tell from what I have read.. If you did go to court just think, you will get more back! :rolleyes: All I know is that it seems everyone is getting back what they are owed.. power to us I say!

 

Im still waiting for statements at the mo.. can not wait till I can get my first letter sent! :D

 

Go for it haileyraeburn!

26/01/2007 = Requested 6 Years Bank Statements.

02/02/2007 = Received statements, charges £1,684.

02/02/2007 = Sent Prelim Letter recorded delivery!

:D

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