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    • all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • Hi All. I was driving in Stevenage down a 40 road after coming off the motor way, i noticed my car felt a little "weird" i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intolerant on date night, we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i haven't received anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. Should i query the ticket as i don't want to miss any deadlines (if so who do i check with?) OR should i keep quiet. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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Help needed - me v A&L


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Hello,

I would be very grateful for some seriously needed help/advice.All that has prevented me from starting my claim against A&L is the fact that I am in receipt of Disability Living Allowance and my money is paid into my account. I am a little nervous that they would close my account without notice and I don't know if another bank would take me on. I'm living on my overdraft which is hefty.

Is there anyone to point me in the right direction?

Thank you in advance

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The basic accounts tend not to have overdrafts so you will have to negotiate a payment plan that you can afford. Your claim will clear part, if not all of it. Let us know if you have any problems.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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A&L do send the payment as a cheque instead of a credit into your bank account so you will then have to decide whether to put it into that account to clear the overdraft or into a new account and then make arrangements to pay the installments off.

  • Haha 1
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Thanks for your acknowledgment, I'm typing up my data protection access request letter want to mail it today if possible.Am also looking for a bank.

 

Another silly question!!!

Do I have to mention to my new bank the reasons I need to switch? Should I just transfer everything to them from scratch i.e direct debits etc and have my money paid to the new account? I'm just concerned that A&L will be brutal, my disability relates to heart problems.

Apologies for appearing scatty,just confused about the order in which to do things and when.

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They will close your account but they have to give you 30 days notice.

 

But they wont !

 

I got no notice at all, they closed mine then wrote and told me, and I haven't even got to the court stage yet :evil:

 

Do I have to mention to my new bank the reasons I need to switch

 

No, and if they ask, just tell them you were unhappy with your previous banks service.

Nil Illigitimus Carborundum

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Hi,me again!

I am very grateful for everyones help and thank you all for your replies.I'm about to ring bank of Scotland as I understand they offer a basic account and will transfer everything for me.

 

1. Will A & L furnish them with adverse details because I'm switching?

 

2. Should I approach A&L with an offer of repayment on my overdraft before the switch takes place or wait for them to hit me with a demand?

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1. No. They can't do that.

 

2. I would be inclined to wait until you get your settlement although if they contact you just point out that the account is in dispute so they can't take further action.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Many thanks for your response. I have mailed (recorded delivery) my data protection access along with a postal order for £10.

I'm hopeful of a new no frills account so I will have everything transferred including my income, then wait for A&L to make their demand. Will keep you informed of events.

I feel good that I'm doing something so positive,thanks for your help.

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  • 3 weeks later...

hi all

I rang alliance and leicester today for progress on my statements and they were mailed as of yesterday, so will update when they arrive. I have opened a

basic account and have stopped any further monies going into A & L.

So far so good!!

Thanks guys for giving me the confidence to make the move.

 

A very merry Christmas to everyone and a prosperous New Year to everyone claiming their money back.

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  • 5 weeks later...

Hi

Well all statements have arrived and I'm about to mail LBA 14 day letter. Can anyone explain what I can claim?

I have monthly overdraft facility being charged at £25.00 p.m during 2003-2004 (OD limit £200) then it drops to £5.00 p.m from 2004 to date. my OD limit is now £1000. There are also small amounts of interest added here and there.

I am reclaiming just about the same amount of charges as my overdraft,and if they are going to shut me down anyway they will make sure the overdraft has been paid??????

I do have another basic account set up but if and when they refund me are they likely to put it into their own account to ensure repayment of my overdraft?

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HI

 

I had an odraft of £500, but with charges put me up to £575. They have closed account and I have made arrangement to pay off in 6 months.....they told me I had to pay off in that time scale. I have just sent letter before action asking for £475. Feeling nervous about MCOL, but this forum does give you confidence.

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Hi Thanks for your response,I've just sent off my 14 day letter after figuring out the list of charges. I'm anticipating them closing my account down, just can't see them handing me a cheque to put in a new account whilst I still owe them my overdraft. All the best with your claim,I'll keep a lookout for your progress and I'll post what happens next with mine.

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  • 2 weeks later...

Hi

Have received my court papers today,issued on 5th feb,deemed served 7th feb. They now have until 21st feb to reply.

 

Yesterday I see they have taken a further £34 x 2, £19 interest, and £5 monthly overdraft charge.

 

They notified me on last months statement they would be doing this,but I understood the account is now in dispute and charges are not to be applied,or do I have that wrong????

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I have only just started my claim with A&L and am not sure of the answer but I would read the following thread as it has loads of info

 

Mindzai and lucid v lloyds tsb.

 

Also if you check other success stories under A&L you will find info.

 

Also A&L have been fined for closing accounts in retaliation see announcements.

 

Also I think if you Private message a moderator when you start litigation it helps.

 

If this does not help keep posting and hopefully somebody with more experience than me.

 

Keep reading I think it helps.:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Jansus, Thanks for the reply. I had an explanation from Martin re the account being in dispute query. Banks are not allowed to take any action whilst the account is in dispute, e.g. close the account etc. but may still continue to apply charges. I'll have a read through the thread you mentioned.

 

I usually enjoy John Grisham or Tess Gerritson novels but they are fast becoming 2nd best to this site!!

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glad you got reply - the A&L forum seems a bit quiet at the moment and mostly I am just reading in preparation for my next stage - but sometimes it just helps to hear from someone just to know that people are watching all the threads. Must admit it is a bit addictive - there are some some real successes out there but aso some quite sad stories.

 

:) jansus

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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