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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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The time has come to "crush" lloyds..


HSBCrusher
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at the bottom of one of the posts.

 

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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Thats a problem I think we all can suffer from, I know I do.

We let things go by, deadlines come and go, still no money.

At least its in my account now!

 

As I said earlier though, I didnt get my CC sorted with this lot, so spreadsheets out... watch this space! :-D

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  • 4 weeks later...

You think that's bad! When I worked at LTSB in edited!, the then business manager used to withhold the bank's cut of any loan insurance premium refunds if the customer settled early. The matter of unpaid items when you pay in same day is a hot potato now! The managers make their decisions at 9am and cannot change it even if someone phones at 9.30am. The system has changed - it's called single decisioning! Really helpful!

  • Haha 1
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Red Dave

Welcome to our site !!

I do hope your making a claim, the irony would be fantastic !!

Otherwise, I hope your planning to hang around and impart some insider wisdom to us !!

Regards

photoman

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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You think that's bad! When I worked at LTSB in XXXXXXXXXXXXXXXX the then business manager used to withhold the bank's cut of any loan insurance premium refunds if the customer settled early. The matter of unpaid items when you pay in same day is a hot potato now! The managers make their decisions at 9am and cannot change it even if someone phones at 9.30am. The system has changed - it's called single decisioning! Really helpful!

Hello Dave, thanks for that.

It's really annoying, and so illogical. How can you go overdrawn within the same day?

Are you still an employee, because if you are you need to edit out your details for your own safety, and give Dave or Bankfodder a PM to let them know.

A warm welcome to you Dave to the CAG!

 

Crusher :-D

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Hi, I am extremely interested in your case and will be monitoring your response. I have a jount account, myself and my husband both have savings accounts each and a business account each. Due to Lloyds (without masks) we do not have a good credit rating anymore and therefore cannot open a 'parachute account'. This means, I think, that it would be dangerous for me to take them on. Do you have an opionion on this? :confused:

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  • 2 weeks later...

Great thread, excellent advice on all counts, particularly Red Dave! I'm in the early stages (awaiting statements after sending SAR) to Lloyds, and from what I've read on the forums, they are one of the most stubborn banks to deal with!

 

Glad you managed to get a settlement, HSBCrusher - Nice one!!

 

:)

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

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  • 2 months later...

Hi Crusher, not as stubborn as some I can tell you! :grin:, you were saying:D

There all the same and getting worse:rolleyes:

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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I have a court date set for 14 June 07 against Lloyds Bank.

 

I need to get my Court info ready - The solicitors say that I havent taken into account some refunds that have already been made over the years -

 

Does anyone know if its ok to change the claim amount prior to the court hearing?

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Hi CCard,

Welcome to the forum:)

 

First you need to start your own thread, so your questions can be answered (back to Lloyds top left corner new thread).

 

When you say the solicitors who do you mean?

Is it your solicitor? if that was the case, they should be able to tell you that you need to fill in N244 amendment to claim.

You can't just change it.

 

Start reading as much as you can, http://www.consumeractiongroup.c o.uk/forum/faq.php

 

And here is the N244 http://www.hmcourts-service.gov.uk/c.../n244_0400.pdf

 

Hope this has helped,

 

Happy claiming:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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  • 2 years later...

the last post in this was 2007!

 

well, now the oft debacle is over, and the dust has settled, I think its time to take the fight back to Lloyds.

 

This reminds me somewhat of the early days, I'll need a new letter, and a new POC. Lets see where this goes eh? :-D

 

The Consumer Forums - FAQ - The New Bank Charges Position

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HSBCrusher,

 

I currently have two claims in the court system awaiting to amend my POCs, I had a pretty torrid time with the banks Barrister who turned up to gloat, as it was the day that the Supreme Court handed down to court their decision re the bank charges etc. It was a good job I had already had sight of and read the decision that they had handed down The banks barrister seemed to be rather amazed when he was told by me to foxtrot oscar after he was most insistant that I had to discontinue with the claims as there was absolutely no chance of a decision now. The DJ asked if I wanted to re amend my pocs on the day but I went for the further options and asked for further time to seek legal advice and await further legal developments, he promptly granted my request and reserved costs that the bank wanted to claim.

I put in a further request for added time for legal advice at a later date and that again was granted by the DJ.

 

However with this site and the team behind it I have great faith in the knowledge that you will give them a bloody good fight to which I add the final immortal words, Exterminate!! Exterminate!! Exterminate!! :D

 

 

 

"EXEMPLO DUCEMUS"

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  • 2 weeks later...

Hi, we have received the standard letter saying that the charges cannot be assessed for fairness under the UTCCRs giving us until the 9th of March to respond before our file is closed. We have not issued a court claim but do have past correspondence with LLoyds in which they state that the charges represent a "fair charge for a banking service that is valued by our customers" and in another letter they state "Like any business, we do have to make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service...... These are not default charges because you haven't broken your agreement. These are our prices for the service we provide in these situations."

 

So they have more or less said that the charges represent the cost of the admin involved and I shall be writing back to say we don't want them to close the file thanks! Any thoughts before I do respond?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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