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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Can charges be claimed after bankruptcy


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My wife and i have recently been discharged from our Bankruptcy and i feel slightly aggreived that HSBC put us on the long slippery road 2 years ago by piling on charge after charge at a time when my wife was due with our 1st child, not working and we were unable to keep up with household bills let alone credit repayments. Has anybody that you know of ever tried to reclaim charges after a bankruptcy.

This bank had over a £700 off me in 8 months,pleas for help went unanswered and was then systematically hounded for a year.

Any advice would be helpful.

Thanks in advance

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Sorry, I don't know. I'm not au fait with bankruptcy..... but I know someone who is.

I'll get someone to give you some advice.

 

Good luck.

 

Regards, Rooster.

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Hiya

 

If you're discharged from bankruptcy, then there's no issue of being able to receive a payment (unless you're subject to an income order?).

 

However, I see a potential problem if HSBC were included in your bankruptcy & they wrote off more than the amount of charges you want to claim. Maybe you could just clarify that one first please? :)

 

Cheers

 

Michael

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Hi Michael,

I'm not subject to an income order,it was very straight forward.

however HSBC were included as a creditor and they did write off more than the charges are

 

cheers

Gary

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Hi gary

I'm not subject to an income order,it was very straight forward.

however HSBC were included as a creditor and they did write off more than the charges are

 

Thanks for the answers :)

You can probably guess where I was going with the creditor & amount question.... I do think that you'd have a problem trying to claim back an amount less than the amount that the creditor wrote off in the bankruptcy. HSBC could well argue that you'd never actually paid the charges, since putting the charges back on the written off amount wouldn't get you into a positive value. Yeah, I know the reality is different when you've got the charges coming out of your account every month, swallowing up your salary and causing more problems - however it's an argument they could well use.

 

If the situation was that the amount of charges exceeded the write off, then I'd think you could at least claim the difference - certainly that's what I'd be comfortable claiming.

 

Anyway, all that said, there's nothing to stop you having a go! Though it might be worth having an informal chat with the OR (or an IP) first though?

 

HTH

 

Cheers

 

Michael

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