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    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
    • Hello, I am wondering if someone can advise. I sold some goods via an online platform who essentially middelmans and authenticates luxury goods.  I have sold over 100 times with them in the past without issue but a while ago I had a sale go wrong, whereby they claim they never received the shoes in the parcel and instead received empty boxes. They wont show any photos of what they received. I considered whether to pursue them or the courier, and decided to pursue them because the UPS tracking indicates no issues at all, but also because they are the ones that contracted with UPS.  I sent them a PAPLOC which they claim was "lengthy and pre written" which is true because I simply adapted a previous one. They rejected any resolution so I issued a claim using an adapated thread from this forum from before against i believe evri. Anyway they filed a defence which essentially says that they think I shipped empty boxes and never shipped the shoes and am commiting fraud. However, I have weight records of every parcel I ship (and have done since 2019) and they have provided no evidence to support their claims. They also failed to comply with CPR request for inspection of certain documents within their defence, such as a report by their authenticator who they claim emptied the box (Although I know this is false because they have had literal job offers for "Warehouse staff" with the job description of opening and sorting incoming orders (OWTTE) so I also think here that I have a ground that they are trying to mislead the court, which once again is likely to obstruct the just disposal of proceedings. The amount is just over £1,000 I'm now wondering whether I should apply to strike out their defence / apply for SJ on the grounds that the defence is totally without merit and will obstruct the just disposal of proceedings by making me wait months for a trial that they are bound to lose and upon them having absolutely no proof to support their claims, and me having weight records, as well as the fact they failed to comply. I am aware the fee for this would be £303 but the trial fee would be £123 itself so the difference is £180. Any advice please?
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starter advice


AbbeyMan
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Hi folks, and thanks for this site, it's giving me hope that I can do something!

 

I've got two current accounts with Abbey, one is overdrawn and is the one that had the charges month after month, the other is one I'm now using in my name, courtesy of a good mate which is clear and I've transferred my salary, bills etc to operate from.

 

What I want to ask is, when I start the process to claim back charges I've read that my account might be closed by Abbey. Are they likely to close the other account as well ?

 

They have messed up my finances for the last year so my credit rating to get an account with another bank is not good.

 

BTW I rang to get a card for the second account this morning and had to speak to debt management who will only let me have a cash card, and want £250 a month to clear the overdraft of £1200. I explained that I couldnt afford this, so they are referring it to a debt collection agency straight away, no discussion, no negotiation, nothing, again will I get charged for this ?

 

Thanks again, a worried

 

Abbeyman

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Hi folks, and thanks for this site, it's giving me hope that I can do something!

 

I've got two current accounts with Abbey, one is overdrawn and is the one that had the charges month after month, the other is one I'm now using in my name, courtesy of a good mate which is clear and I've transferred my salary, bills etc to operate from.

 

What I want to ask is, when I start the process to claim back charges I've read that my account might be closed by Abbey. Are they likely to close the other account as well ?

 

They have messed up my finances for the last year so my credit rating to get an account with another bank is not good.

 

BTW I rang to get a card for the second account this morning and had to speak to debt management who will only let me have a cash card, and want £250 a month to clear the overdraft of £1200. I explained that I couldnt afford this, so they are referring it to a debt collection agency straight away, no discussion, no negotiation, nothing, again will I get charged for this ?

 

Thanks again, a worried

 

Abbeyman

Hi, i hope i can ans some questions for you. Its up to Abbey, but i think its unlikely that they would close your acc you still owe them money. I have a parachute acc but I'm still able to use the Abbey acc even though I'm waiting for their defence.

 

As to you paying back your overdraft, there are template letters somewhere on this site on how to deal with debt collection agencies. I'll have a look for you

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Hello AbbeyMan

 

NatWest are supposed to be quite a good bank to open a parachute account with, even if your credit rating is poor. The 'Step' account is what you need to ask for.

 

I've only heard people talking about it, not through personal experience, but you could give it a try.

 

Phil:)

This is only my personal, honest opinion!

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  • 1 month later...

Hi folks, possibly another daft question. I'm getting grief from the abbey about repaying my OD now that I've stopped usign the account. I want to make them an offer to show myself as reasonable but I don't know if this would mess up any claim on the charges? By making an arrangement am I admitting liablity for the charges on my account ?

 

Thanks as always !

 

AbbeyMan

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I was in the same position £1200 overdraft and they accepted £86 per month until it was paid off. I have opened a Natwest Steps account as my parachute and I recommend you do that if you haven't already. If they do refer it to a debt recovery agency they are legally bound to accept any acceptable offer you make them as long as you can back it up with proof it is all you can afford. Looking at the bigger picture though, keep up your fight here and take it step by step, you will get all your charges back and you should then be able to settle the debt in full in one go, and surely that will make you feel a lot better.

:eek:ABBEY

Data Protection Act request complied with within 40 Days and no £10 charge..

31/01/07 Prelim Letter sent with schedule of charges.

19/02/07 LBA Sent with schedule of charges

08/03/07 MCOL started

09/03/07 £160 GOGW payment into account

23/07/07 Court Date set for 10/10/07

02/08/07 CPR Part 18 Request Submitted

10/08/07 Stay requested by Abbey :mad:

20/08/07 Claim Stayed by District Judge :mad:

:eek:HSBC

02/02/07 S.A.R - (Subject Access Request) Letter sent

22/02/07 Statements received and again no £10 charge...."happy to provide at their cost"

26/02/07 Prelim Letter to be sent with schedule of charges.

12/03/07 LBA sent with schedule of charges

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spicester you lucky person was that all of them statements that is and nat west acc easy to set up abbeyman and think of all the charges youll get back from what they charge you lolxxkia

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look in the templates section and there's a letter saying that this account is now in dispute. So long as you make some minimum payment into the a/c then you should be fine, but a parachute is the way to go. I used A&L

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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spicester you lucky person was that all of them statements that is and nat west acc easy to set up abbeyman and think of all the charges youll get back from what they charge you lolxxkia

 

Yes complete set of statements for the last 4 years including a lot off microfiche.

:eek:ABBEY

Data Protection Act request complied with within 40 Days and no £10 charge..

31/01/07 Prelim Letter sent with schedule of charges.

19/02/07 LBA Sent with schedule of charges

08/03/07 MCOL started

09/03/07 £160 GOGW payment into account

23/07/07 Court Date set for 10/10/07

02/08/07 CPR Part 18 Request Submitted

10/08/07 Stay requested by Abbey :mad:

20/08/07 Claim Stayed by District Judge :mad:

:eek:HSBC

02/02/07 S.A.R - (Subject Access Request) Letter sent

22/02/07 Statements received and again no £10 charge...."happy to provide at their cost"

26/02/07 Prelim Letter to be sent with schedule of charges.

12/03/07 LBA sent with schedule of charges

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Once again thanks folks ! Have set things up with NatWest who are so easy to deal with in comparison ..

Will get the letters sorted for the Abbey and will be back for more advice haha!

AbbeyMan

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my statements where hit amd miss and im still missing about 13 months of statements but not consectutive ones either just to confuse me or cos they thought i wouldnt check ha lolxxkia

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Once again thanks folks ! Have set things up with NatWest who are so easy to deal with in comparison ..

Will get the letters sorted for the Abbey and will be back for more advice haha!

AbbeyMan

 

Good Luck - keeping an eye on your thread mate, I have just sent off my Prelim letter today - keep ya fingers crossed lol.

:eek:ABBEY

Data Protection Act request complied with within 40 Days and no £10 charge..

31/01/07 Prelim Letter sent with schedule of charges.

19/02/07 LBA Sent with schedule of charges

08/03/07 MCOL started

09/03/07 £160 GOGW payment into account

23/07/07 Court Date set for 10/10/07

02/08/07 CPR Part 18 Request Submitted

10/08/07 Stay requested by Abbey :mad:

20/08/07 Claim Stayed by District Judge :mad:

:eek:HSBC

02/02/07 S.A.R - (Subject Access Request) Letter sent

22/02/07 Statements received and again no £10 charge...."happy to provide at their cost"

26/02/07 Prelim Letter to be sent with schedule of charges.

12/03/07 LBA sent with schedule of charges

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  • 1 month later...

Evening all! Well surprise, surprise the letter was sent off 28 Feb and I got an answer along with 12 months of bank statements. I've copied the letter from the Abbey person below and would welcome any comments (keep em cleanish folks haha!)

 

I quote:

 

Thank you for your recent enquiry, requesting information on your bank account. I also acknowledge receipt of your £10.00 fee.

 

I confirm that arrangements have been made for the information you have requested to be sent to you. The transactional information remaining on our systems, normally covering the last fourteen months, will be sent out in the form of duplicate statements. You should receive these within five to seven working days of the date of this letter.

 

Any previous transactions have been archived onto microfiche and it is not possible to provide you with a computer print out of this information. However, we have made arrangements to send you a list of archived transaactions between 2001 and 2005, under seperate cover.

 

With regards to any 'manual interventions' that may have been made on teh account. We consider 'manual intervention' to mean an aciton that is not automatic or computer-driven. Not all manual interventions are recorded, for example if a member of staff looks at a paper document relating to an account, a record is not always required. Similarly some interventions may relate to work carried out by a department rather than individuals where no central record of activity is kept because this is not the information we need, or more importantly, that a customer would usually request.

 

If you have any questions etc etc.'

 

Am I being simple but does the last paragraph make any reasonable sense at all?

 

Anyway I'm wading through the statements here, jsut wanted to check one thing. Charges - all charges inc those for 'unauthorised overdrafts' as well as transaction charges ?

 

Cheers all !!

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Ello again folks. Abbey have sent the first batch of statements through covering the last 12 months. I have a feeling that they won't comply with the SA request within the 40 days. Is there anything stopping me from going for a claim for the charges from last year (it's a considerable sum - over £3k) and then going for the rest when I get the previous 5 yrs info through? Or is the advice to wait and claim the lot in one ?

 

Ta!

 

AbbeyMan

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Abbey have been behaving in getting this info to people following a kick up the bum from Information Commisioner. Since you have asked for the info i would wait till the time is up before continuing. When is 40 days up???

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Not a problem mate. Its not even my claim against Abbey, its for my girlfriend but the hardship they have put her through makes me determined to get her and everyone elses money back. I'm plaing the waiting game at the moment but logon here "in works time" everyday to help answer questions and also it helps me get my head round the next step. AQ submitted and awaiting directions. http://www.consumeractiongroup.co.uk/forum/abbey-bank/42608-sparkys-lass-abbey.html:cool:

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Sparky thanks for that mate !

It's interesting that you got the same reply about the microfiche, and your letter about their excuse worked ? I got that excuse as well so will wait and see what comes through the post by Monday and go from there ...

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afternoon folks, an update and requeswt for more advice please.

The deadline for the 6yrs of statements has passed and all I've had is the past 12 months duplicates through. Where do I go now? Do I chase them for the rest of the information before I take action, or send them the letter asking for the refund and one stating they are in breach at the same time ?

Cheers!

AbeyMan

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hi there, every is different with me, It took 5months for Abbey to supply me the rest of my statements and had waited, well i would not have been paid by now. its up to you, you can estimate the rest of the claim based on the charges you are already aware of. Just make sure that you inform abbey that part of the amount is estimated and that they have failed to provide you with the info under the DPA. for me, in the end Abbey gave me the info at AQ stage.

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evening folks.... have just done the prelim letter for Abbey. They haven't complied with the DPA request so I'm going to report them for that. I ahve put a sentence in the letter stating that the claim I'm going for is a part claim as they haven't complied.

I'm confused about the interest though. Can someone please explain it to me in very short words? I know about not adding the 8% on yet, and have done my own s/sheet that shows the monthly chrages and the gaps where i haven't got the statements yet. But I don't get the bit about adding interest where i can prove it was caused by the charges ?

 

Thanks folks!

 

AbbeyMan

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hi there this the interest that the bank charged you while you were overdrawn. As to separating it.... lets say you have an overdraft on your acc, the amount on interest you put on the spreadsheet is excluding any normal interest charged while you are overdrawn( in your overdraft) If you don't have an overdraft, this is much easier to calculate.

 

Hope this makes sense

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