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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Financial Ombudsman..good info to use with your defence.


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Following recent communications with the Financial Ombudsmans office they sent a reply.

They basically say that they have not had any cases to deal with regarding disputes for full settlements,this may indicate that they have been involved where there have been issues regarding partial settlements,but it looks as though those issues have gone on to be resolved by full settlement.At the early stages of claimant communications with banks,they frequently suggest that if you are unhappy you should contact the Financial ombudsman......The FSO now seem to clarify that the banks are settling without too much intervention....at the very least there have been no interventions regarding full settlements.I think this is a good piece to quote in claimants submissions.

for the benefit of reference here is a snippet from the reply.

 

 

Dear Martin

 

Many thanks for your email.

 

So far, we have not had to make any formal decisions on disputes about

bank charges - because the banks have preferred to settle the

complaints

brought to us, making offers to customers to repay disputed charges on

a

goodwill basis. And if a bank offers to settle a complaint in full,

there is nothing for the ombudsman to decide.

 

A different government body, the Office of Fair Trading (OFT), is

looking at the wider issues involved in banking charges. The OFT is

separate from the Financial Ombudsman Service and has different powers

to us. The OFT cannot deal with individual customer complaints - as we

do.

 

We've got a special FAQ section on complaints about banking charges on

our website at:

http://www.financial-ombudsman.org.uk/faq/bank-charges.html

 

We can and do look at complaints about difficulties in opening bank

accounts - just as we look at complaints about banks closing accounts.

Often these complaints involve other aspects and issues too - for

example, where the consumer has financial difficulties, and problems

have arisen in the relationship between the bank and the customer over

a

period of time. This is why we have to look at each case on an

individual basis, to see whether and how we can help given the

particular circumstances.

 

In the first instance we tell consumers to give the bank or building

society an opportunity to investigate the complaint and sort out the

problem. If this doesn't work - or you're not sure who to get in touch

with at the bank - you can contact us free for help on what to do next.

 

 

I hope this information is useful.

 

 

Claimants having difficulty with Parachute accounts may also not the comments about complaints too.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

May I also add that the Financial Ombudsman made the following statement in their Oct/Nov 2006 newsletter which would be useful to include in any bundle:

 

"It's understandable that the regulators do not want to be accused of becoming price-fixers. Nor do we. But for certain charges, the law on contract variations and penalties demands a reasonable relation between cost and price, and requires those who seek to justify the price to produce evidence of their actual costs."

 

issue 57 - October/November 2006

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Out of interest, my partner has today received a letter from the FOS stating that Lloyds have agreed to pay her £1060 in respect of all charges made over the last 6 years on her (now empty) account.

It has taken a while - the FOS were so busy that they just sent letters for the first 3-4 months saying they would get round to it, but once they did, it's taken 6 weeks to get this offer. Just to send the acceptance now and see how long it takes Lloyds to hand over the cash!

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  • 4 weeks later...

Well done, did this represent 100 % of the bank charges you had received over the last six years ,if not what would you estimate the % to be ?

'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.'

Thomas Jefferson 1802

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  • 3 weeks later...

Hello,

 

Can someone please give the e-mail address of the Financial Ombudsman as have sent an e-mail with my complaint to:

[email protected]

 

twice and it came back undelivered twice.

 

if anyone there can help me I would very much appreciate.

 

Many thanks

Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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  • 2 weeks later...

Hello to all.

 

Please can someone advise me on the following.

 

I received my statements from the Halifax and returned them listing all the charges and the 14 day template letter and they confirmed that the correspondence was received same on the 14.03.2007.

 

I am owed just over £1000.00 and today I received a letter advising that they have 8 weeks to respond to this complaint as per the FSA REGULATIONS.

 

Please can someone advise me in lay-man's terms what eactly the 14 day letter means and is it working days or calender days.

 

When I contacted the bank in question the staff member that I spoke to was abrupt and terminated the call just simply because I questioned her responses to the 14 day timescale.

 

Please please advise the next step and should I call them back to complain about her conduct.

 

Kind Regards

 

 

Ryan :(

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www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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  • 1 month later...

I have had two of my complaints to financial ombudsman returned, no luck with fsa either or ts? not a bank but unfair terms, missold insurances, any other route?

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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  • 2 weeks later...

Don't bother with the FOS. They are a private limited company financed by the financial services industry. You may as well ask the bank's lawyers for an adjudication. The European Parliament has widely condemned the UK's financial services regulators:-

 

European Parliament - News - Press service - Info - Equitable Life final report says compensate the victims and improve EU lawmaking

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jdey123, thanks for the link, its an intersting read, it is also very sad and frustrating, UK regulators of the finance industry, I've heard an expression, not fit for purpose?

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Just a thought?

Considering the positions of Judges, Bank managers etc, Has anyone thought to ask for disclosure of membership of the Masons amongst these people and that any membership of the Masons or any other organisation may influence the outcome of any court case?

 

Many years ago, whilst suing my landlord, I discovered that he and the judge that was due to hear my case belonged to the same lodge of the Masons and I Insisted that another judge try my case. The case was dismissed and I received over £5,000.00 in compensation from my landlords!

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Yes, that was 100% of charges, although no interest or similar.

 

tafkam,

 

I have a claim with the Ulster Bank and am considering to take it to the Financial Ombudsman instead of through the courts. I do want to receive a settlement which will include interest as the amount of money taken off me over the 6 years amounted to a lot. This meant that I suffered greatly by the banks actions over that period.

 

Was the £1060 the full amount you were reclaiming from the start and had you included any added on interest?

 

Volkswagen

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markthedrainman,

 

In Northern Ireland the small claims court has a limit of £2,000. My claim is over 7 x more so small claims is out. I would prefer to use the Financial Ombudsman but really want to be paid the full amount because of the past hardship over the amount of money taken from us by the bank.

 

I am still worried that the FOS will not obtain the 100% figure. Also, does anyone know if I can start a court case myself if the FOS have made a judgement which I do not agree with.

 

Volkswagen

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markthedrainman,

 

In Northern Ireland the small claims court has a limit of £2,000. My claim is over 7 x more so small claims is out. I would prefer to use the Financial Ombudsman but really want to be paid the full amount because of the past hardship over the amount of money taken from us by the bank.

 

I am still worried that the FOS will not obtain the 100% figure. Also, does anyone know if I can start a court case myself if the FOS have made a judgement which I do not agree with.

 

Volkswagen

 

Hi VW

 

You are not bound by any decision by the FOS and are free to pursue any action through the courts after an FOS decision.

 

In saying that, in NI it is possible to issue a Civil Bill for claims up to £15,000 (before interest).

 

From my readings, Ulster Bank seem to pay up pretty swiftly and painlessly after they have been issued with a court claim. However after recent events, due care and dilligence should be taken when considering any court action - especially as a Civil Bill action could leave you exposed to costs if you were to lose.

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