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    • Further, i contacted the Torbay Planning Department by telephone and email and they did an investigation for me going back to 1991 and they emailed me back staying there is NO APPLICATION OR GRANTED PERMISSION FOR ANYONE (Land owner or Leese) TO ERECT ANPR OR SIGNAGE FOR ENFORCEMENT OR FOR ANY REASON IN THE CROSSWAYS CAR PARK. So i really hope that helps someone else.     
    • Vehicle was hit today. Really annoying.   A supermarket van had illegally parked on double yellow lines to deliver its crate of food. The lines were on a main road to the corner of a small street.   My car came out of the small street very slowly - like 1-2mph.    The main road had a build up of traffic.  The large van had blocked any ability to see to the left and if any traffic was coming from the left.    So I just had to drive super slow.   As my car started to edge left into the main road a car came fast from the left (on the opposite side of the road - but it was over the centre line)  My car stopped to avoid the fast car - which was fine; nothing happened.  But all of a sudden my car and the van were "attached". I don't know how it really happened.   As I was turning I had had enough space to turn without hitting the van; yet suddenly the rear square-end (and sharp) bumper of the van was embedded in the passenger side of my car. No damage at all to the van.    But the van took a gouge out of the car - at the joint of the passenger door and rear side panel.   The only possible explanation is that the van started to reverse across the exit of the small road at the same time as I was exiting and the driver just didn't see my car.  This is the only way the two can have hit.  I have good spatial awareness and I would not have misjudged the space. No-one was hurt; the van is fine; my car needs to be mended.   So where does the guilt lie?     The van parked illegally on double yellow lines obstructing line of vision and vehicle safe exit from a road?  The van reversing without looking?    Or mine?    The driver immediately said I was to blame.   I took photos of the van reg and how it was parked. It was minor but I was stressed and a bit emotional as it is the first "accident" I have had...    I didn't take the driver's details nor did I give mine. The driver asked me to delete the photos.  I refused. Then I drove off.   Shall I get a quote for the repairs?    Is it worth contacting the insurance?    Will they apportion the blame?    I've never made a car insurance claim.    
    • Yes I have seen other posts on here relating to them. I know that they do take people to court even when it seems they know they will lose. My question would be without a ticket what proof dose SWIM have and what case can SWIM make to defend themselves.    Presumably the Courts in Devon must be tired of having to deal with PPS cases?
    • hoho we know it very well   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Crossway Centre Paignton&oq=Crossway Centre Paignton&gs_l=partner-generic.12...17467.17467.0.19981.1.1.0.0.0.0.77.77.1.1.0.gsnos%2Cn%3D13...0.0...2.34.partner-generic..1.0.0.inibz-lzog0
    • Company is Premier Parking Solutions    Crossway Centre Paignton   SWIM deff entered reg correctly but the machines and car park as a whole are in a seriously bad state.   
  • 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
redusga64

The Royal BAnk of Scotland!!!

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I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

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I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

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Post it to your branch.

If your account is in England, then keep all of your correspondence in England


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Post it to your branch.

If your account is in England, then keep all of your correspondence in England


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I sent my letter to the RBS on 21st Feb i'm not to sure of the next step do i wait 40 days to see if they will send me the list of charges they have applied on my account in the last 6 years or do i start with the court action straight away as the 7 days have gone.

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Did you send it recorded delivery or have you had any acknowledgement that it has been received?

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I've recieved nothing was actually thinking of sending it again recorded delivery.

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They will probably regard this as restarting the clock again on the 40 days but you may have no choice. They should have at least acknowledged your letter by now. Are some of your charges on the brink of being more than 6 months old? I had the same type of problem with Nat West (owned by RBS) in that, whilst they replied, they were trying to run out the clock so I've now sued them for an estimated amount.

 

If you don't face the same problen, it would probably just be best to resend it by recorded delivery.

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As another option i will go and pull out all my bank statements and see if i can come up with an estimate amount to just take it to court, as i can see they maybe avoiding the letter and to show i'm serious proceed to the next step with out the list of charges.

My most recent charge was end of Feburary for £145 all on 1 day my charges go back a long time and i'm sure they owe me alot of money, i'm not to sure what's the better thing to do as i'm travelling at the end of the month and don't want them to think i'm not serious.

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Just as i was ready to post the letter recorded delivery i recieved a letter from RBS 'if i should exceed what we have agreed then their standard charges will apply as a good will gesture they have refunded me with £28 plus the last charge of £38'.

Obviously they think this is the end I WANT ALL OF IT BACK!!!! HELP what do i do next as i still haven't received the list of charges and want to pursue to the end but as i stated before i'm going on holiday end of the month so i would really like to get this going.

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I take it that you haven't had your list of charges yet so send them an abrupt reminder.


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So, rudely remind them.


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Just as i was ready to post the letter recorded delivery i recieved a letter from RBS 'if i should exceed what we have agreed then their standard charges will apply as a good will gesture they have refunded me with £28 plus the last charge of £38'.

Obviously they think this is the end I WANT ALL OF IT BACK!!!! HELP what do i do next as i still haven't received the list of charges and want to pursue to the end but as i stated before i'm going on holiday end of the month so i would really like to get this going.

 

They tried this "goodwill gesture for the most recent charge" on me, hoping I would be daft enough to accept. I then wrote and told them I wanted ALL the charges refunding. In the end they paid up.

Stick to your guns. Give them the "14 days or court action" threat

Go for it all. Its your money, you are entitled to it

Good Luck,

 

Buzz.

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Thanks for advice, just wanted to know should i combine the 2 letters the one regarding the data protection act and also the abrupt letter requesting a full refund within 14 days without the total amount owed?

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No because then your deadlines become ambiguous. 40 days DPA, 14 days to settle. Doesn't work

We used to have a template letter which combined them in the way you suggest. It only caused problems and confusion.


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Ok well i've drafted the 40 days letter but stated this started from the date of my first inital letter which gives them until next week. Should i wait for the response on this before i conclude with the 14 days notice of full refund required?

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Did your original letter include £10?


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It needs £10 for it to be a valid DPA request. This gives the bank a legitimate reason for non-compliance


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Ok i will do this today by registered post, then move forward with the 14 days notice after the 40days. Thanks

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I'm now back from holiday and yesterday i went into my local branch to pay in a cheque the advisor there mentioned my over draft and the interest i am paying. She informed me that last month they have devised a scheme to be able to approve a loan to clear the overdraft which you pay back at an amount you can afford.

Cut a long story short got a call from the advisior today to discuss she pointed out to me the amount of charges that have been applied to my account and if they was to put me on this new scheme they will take back my switch card for 6 months to help stop the charges i mentioned to her that when i do receive my charges back that this will cover my overdraft and that this is a problem that the bank need to be dealing with and have informed her of the information i requested since March and soon as this has been received that i will be in a poistion to discuss this further.

Now my letter was date 16th March do i include the weekends when counting down the 40days as this is due on Tuesday?

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Yes include the weekends, bank holidays, end of the world and anything else that happens in a day :)

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Great cause i am actually looking forward to taking this further, summer is coming soon i want to enjoy it!!!

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HELP!!!

The 40 days are up for the bank to send me the information i requested should i call them to find out or should i proceed with action but the only thing is i'm not to sure of how much i've been charged over the years.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4621 days.

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