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    • Many, many thanks.  That is genuinely useful.     The lender was Natwest.  I am fairly sure they will owe me something one way or another, but they do seem surprisingly keen to cooperate so far.  Also Barclaycard.  I think they may have decided it is a lost cause from their point of view.  So, they might as well try and score a few brownie points for customer service.
    • probably far too old and mostly in those days [pre 1990's] no-one was regulated anyway. the real changes like GISC and ABI didnt come in till later and they only regulated the insurance co's.   not sure what rules existed on mortgages back then but the only thing you must have inplace certainly since the 2000's in buildings ins if you didn't already have it. so being charged home [contents ins] as a compulsory term of your mortgage could be a no-no.  and can all be reclaimed.   there was a case not so long ago of home ins going back to I think it was 1992 from today and the couple got over £50k back ithink.   sar to your original lender might be the only chance of getting paperwork.  
    • So I'm the one that's paying the mortgage for my kids to have a home so I have to let them no what goes in and comes out and pay them payments with my card so he just authorized me to talk to them when he ohones as they always have to as me questions and what not
    • Because I pay all the household Bill's my partner as always had to authorise them to speak to me on his behalf as I'm the only earner in the house 
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Versysrider

Parking Eye ANPR PCN - Morrisons Bridgewater Somerset

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Hi all, I have received a PCN from Parking Eye and wondered if I could get some advice.

 

The PCN was issued on 27/04/2019 and the parking "event" took place on 21/03/2019 

 

The Morrisons carpark where I parked had a three-hour limit and I parked for 3 hours 54 minutes and received notification c/w two photos of my number plate and demand for £85 with a discount to £50 if paid by 11/05/2019.

 

The PCN was sent directly to my postal address.

 

Parking Eye state (See JPG Parking 1) That I have been identified as the hirer/lessee of the vehicle and the hiring company has supplied my details c/w a copy of my signed hire agreement and statement of liability.

 

This is where I am somewhat confused.

I have never hired or leased this vehicle nor signed a hire agreement or statement of liability for said vehicle.

 

I was the driver of the vehicle but was parked in the parking area under the instructions of my employer, who had knowledge of the time limited parking in place.

I can perhaps understand Parking Eye issuing a PCN to the lease company who then identified the company I work for,  as the keeper of the vehicle,

however the firm I work for sought no permission to share my data with Parking Eye.

 

I have complained to my immediate superior who told me to park in the carpark and who failed to get me back to my van in time to avoid a ticket,

but he has denied telling me to park there and has told me it is company policy that drivers are responsible for paying their own parking tickets.

 

As you can imagine I am not very happy about the whole issue and wonder where I stand.

 

Thankyou anyone for your kind advice in advance.

 

Ian 

 

 

 

parking1.jpg.b9f7be6d8ebb3b22131219fddeae55e8.jpg

 

 

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please complete this:

 

 


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1 Date of the infringement  21/03/2019

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 27/04/2019

 

3 Date received 30/04/2019

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Y

 

5 Is there any photographic evidence of the event? Yes, two timestamped photos of my numberplate

 

6 Have you appealed? [Y/N?] post up your appeal] N

Have you had a response? [Y/N?] post it up N

 

7 Who is the parking company? Parking Eye

 

8. Where exactly [carpark name and town] Morrisons Bridgewater Somerset

 

For either option, does it say which appeals body they operate under. POPLA

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thank

you

 

now are you aware of the date your employer informed PE you were the driver

 

dx

 


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.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Regret to say, my employer did not let me know the date they received a comunication from Parking Eye. I can only presume PE contacted the Lease company, who then contacted my employer, who then gave my data to PE. 

 

Thanks

 

Ian

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has the ntk/pcn letter got your address on it?

 


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

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

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ok thanks

but you know your employer did rat on you yes?


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.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Yes, they didn't even contact me to say that PE had requested driver details. 

They just shopped me and then my area manager said the ticket is my responsibility, even though he told me and a colleague to park there so he could collect us and take us to our branch in town.

 

There is no parking at our shop for 2 x 3.5 ton LWB transits.

A fact I informed him, so he said park at Morrisons.

 

I even told him when he collected us, that there was a 3 hour limit on the car park, but he kept us in a meeting and we had no way to return to our vehicles.

 

As you can imagine I am a bit cheesed off.

Also am unhappy my firm gave my details to PE. 

 

Thanks for your advice though.

 

Ian

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well on the face of it it LOOKS like they are out of time

they only had 14 days to issue the PCN as it was an ANPR capture

however, if you were to add 14 [org one to firm] + [14 one to you] that = 28 days 

and even then they are out of time.

 

so time to ignore them.

 

until/unless you get a letter of claim from one of the fake/tame paperwork only solicitors I would ignore

 

see what ericbrother says.

to me they are out of time whichever way you look at it.


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.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks for your advice. I will take that onboard and await any further communication.

 

Thanks, v much!

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problem is that once they have driver's name the protection afforded to the keeper still only applies to the keeper.

Employer sent you there so you need to raise this as a grievance with immediate manager or if they were the one at fault you go to the level above.

I would avoid corresponding with PE in the meanwhile but dont let this get away from you. read your employment contract and see what it says about driving, you may well be telling you boss you cant take the van out if they continue to behave in the way they are and ultimately looking for another job

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