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    • No, do the section 75 chargeback to your credit card provider.
    • See what dx thinks but it seems to me that sending a photo of your own pass isn't relevant to what happened. Let's wait and see what he says. HB
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    • Many thanks for the replies and advice!   I what to send this email to the Starbucks CEO and the area manager. Your thoughts would be appreciated.   [email protected] [email protected]   Re: MET Parking PNC at your Starbucks Southgate site   Dear Ms Rayner, / Dear Heather Christie,   I have received a Notice to Keeper regarding a Parking Charge Notice of £100 for the driver parking in the Southgate Park Car Park, otherwise infamously known as the Stanstead Starbucks/McDonalds car park(s).   Issued by: MET Parking Services Ltd Parking Charge Notice Number: XXXXXXXXX Vehicle Registration Number: XXXX XXX Date of Contravention: XX.XX.XXXX Time: XX:XX - XX:XX   After a little research it apears that the driver is not alone in being caught in what is commonly described as a scam, and has featured in the national press and on the mainstream television.   It is a shame that the reputation of Starbucks is being tarnished by this, with your customers leaving the lowest possible reviews on Trustpilot and Trip Advisor at this location, and to be associated with what on the face of it appears to be a doubious and predatory car park management company.   In this instance, during the early hours of the morning the driver required a coffee and parked up outside Starbucks with the intention of purchasing one from yourselves. Unfortunately, you were closed so the driver walked to McDonalds next door and ordered a coffee, and for this I have received the Notice to Keeper.   It is claimed that the car park is two separate car parks (Starbucks/McDonalds). However, there is no barrier or road markings to identity a boundary, and the signage in the car park(s) and outside your property is ambiguous, as such the terms would most likely be deemed unfair and unenforcable under the Consumer Rights Act 2015.   I understand that Starbucks-Euro Garages neither operate or benefit from the charges imposed by MET Parking. However, MET Parking is your client.   Additionally, I understand that the charge amount of £100 had previously been upheld in court due to a ‘legitimate interest in making sure that a car park was run as efficiently as possible to benefit other drivers as well as the local stores, keeping cars from overstaying’.   However, this is not applicable when the shop or store is closed (as was the case here), as there is no legitimate interest. Therefore, the amount demanded is a penalty and is punitive, again contravening the Consumer Rights Act 2015.   As the driver’s intention of the visit was genuine, I would be grateful if you could please instruct your client to cancel this Notice to Keeper/Parking Charge Notice.   Kind regards
    • I received the promised call back from the Saga man today who informed me that the undertakers have decreed it IS a modification and they will need to recalculate a quote individually for me. However it all sounds very arbitrary. The more I think about it, and with help from forum replies, the more I am sure that it is not a modification. If for example the original seatback had become damaged by a spillage or a tear, I would be entitled to replace it with the nearest available part. The problem is when it comes to a payout after an accident, there is no telling what an individual insurer will decide when he notices the change. I am still undecided which of the two best routes to go with, either don't mention the replacement at all, or fill in the quote form without mentioning, and when it comes to buying the insurance over the phone, mention it at the time.
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Vikki Arda v Lloyds


VIKKI ARDA
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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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I have an agreed overdraft of £5800 but my claim only totals £1234 is it wise to continue with the claim or do you think they will call in the whole of the overdraft? There is no way I can afford to pay this back at any great rate or in one go.

I am about to send my first letter am I correct in thinking that overdraft interest cannot be claimed?

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Guest Lueeze

Unfortunatly you cannot predict what the bank might do!

 

They may close the account but usually this isnt done very often! In which case they wiil ask for your OD back!

 

Good Luck!

 

Lou x

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What can they do if I can't pay it back all at once, can they take me to court or are they obliged to accept an offer of settlement.

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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They usually send you and income and expenditure form first then try to agree a mutually acceptable pay back amount.

 

If it ever got to court. Make sure you attend and fillin the court income and expenditure form. The judgment can then be made with your needs taken into account.

 

I doubt it would get to that though unless you persistently defaulted on paying them back.

 

LOULA

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LOULA

 

Am I correct in thinking that if they call it in, even if the account holder works out a payment schedule, they could still issue a Default Notice?

 

If so, it's another very serious point that needs making to the OP

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Guest Alison82

This happened to me, Natwest wanted me to pay back me 1,800 o/d my claim was for approx 500 (on top of the 1,800 not included in) they gave me option to pay it back a bit at a time I propsed 20 per month haven't heard anything about it yet

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With regards to paying your overdraft back, as far as i know if you owe money to a company / bank etc and you make a payment plan. Legally they cannot refuse payment.

 

If they took you to court and you told the judge but i am paying (for instance £40 per month) and i cannot pay anymore because of this and you show your budget plan. The judge would throw it out of court.

 

As long as you pay something regular its ok

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....If they took you to court and you told the judge but i am paying (for instance £40 per month) and i cannot pay anymore because of this and you show your budget plan. The judge would throw it out of court.

 

As long as you pay something regular its ok

 

BUT, to issue a default notice, they don't need to go to court. They issue a default letter, giving you xx days to pay the lot, and if you can't / don't then they can issue the default. This is still true if you offer to pay an amount each week / month.

 

That's what is so very wrong about defaults.

 

The only point I cansee that would fend one off is to reply to that default notice and say that the amount is contested, advising them that legal action will be taken if they proceed whilst the amount contested is resolved.

 

Other thoughts welcome........

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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This is my first letter which I will post tomorrow. I have left out the default section as I am not sure if I ahve one or not. I have also left out the bit about interest as everyonr seems to be of the opinion that is is to difficult to calculate. Is this correct? I have included the folllowing:-

unpaid d/d

o/draft excess fee

o/draft usage fee

unauthorised borrowing fee (exceeding ageed o/d limit).

 

Lloyds TSB PLC

Moorgate

London

EC1V 4LE

 

 

 

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxx

I am writing to ask you to refund to me the charges which you have levied from my account over the last 6 years

I now understand that the regime of “fees” which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

Your responsibilites

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

What I require

I calculate that you have taken £1234 .

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

 

 

 

 

 

 

 

Yours faithfully,

Mrs V J Arda

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Sounds good but maybe edit your address out...

 

Good luck ;)

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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Thanks Neo just wanted a little reassurance. Here go's.

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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I posted my request for a refund of charges totalling £1299.00 today. I've dragged my heals a bit but it just added another months charges to my claim.

 

 

 

Please stay on 1 thread, the Moderators have spent time cleaning up the forum due to this reason, thanks!

 

Louise

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Sorry about that I am abit of a novice with computers.

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Toady I recieved one reply dated 10th May thanking me my complaint and saying they are sorry that I feel they have let me down. They will look into the issues raised and will give me a full response within 28 days. It gave the name of the manager of my branch if I wish to contact them and eclosed a leaflet "How to voice your concerns"

I also recived a reply dated 11/5/05 which was the standard reply to the first request for refund. A big fat NO!

Sorry I haven't worked out how to scan the letter yet.

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Can someone please confirm that it is now ok for me to send the letter before action and is there anything I need to add to it? I know I delete the red text if there is no default.

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Yes I have used your advice thanks.

I intend to post my LBA letter on Monday 15/5 is anyone else on the same time scale as me it would be good to compare how things are progressing.

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Managed to post off my LBA today ansd intend to get my spreadsheet ready for Moneyclaim as we all know what the reply will be.

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Can someone please tell me the easiest way to calculate the number of days of days since offence on the Spreadsheet.

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Unfortunatley mine won't for some reason. Also do ou know if you can claim for Overdraft Usage Fee's

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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Please

Start your own new thread

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

 

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