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    • Llangrannog car park is notorious for the over issue of PCNs. If you put in its name followed by "Charges" or "Fines" on line you will see many entries and the local newspapers have taken on OPS. Their machine was not working for a while so the company gave a phone number to call and pay. Sadly for motorists the phone signal wasn't good enough. Then a lawyer found out that apparently when the machine was fixed, the time wasn't right so that people including her were charged for overstaying, when they hadn't . She went to court and won but of course many people just paid up, In your case, even their own photos show you weren't parked. Waiting for a parking spot is not parking.  As dx100uk says just sit on your hands and see if they can take the heat. You will get lots of letters putting up the price with no legal justification and  endless unregulated debt collectors saying the same thing. It is completely safe to ignore them all. Perhaps several months down the line or maybe several years down the line they might pluck up the courage to threaten you with Court-a letter headed  something like Letter Before Action. then come back to us and we will advise you from there. Only a small proportion of motorists get taken to court and they tend to be mostly the ones who write when they are innocent. This tells OPS that they will probably pay up at least £100 if threatened. So just ignore them and they may well pass you by.
    • Thanks, before I submit it could someone please check that this looks right and that I haven't missed anything   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 2. Paragraph 1 is noted. I have had in the past a contractual relationship with Sainsbury's Bank.The claimant has failed to state any agreement/account reference number within its particulars therefore I am unable to admit or deny the alleged debt claimed.   3. Paragraph 2 is noted but not admitted.The claimant has failed to state the actual agreement/account reference number.   4. Paragraph 3 is denied as I am unaware of any legal assignment.   5. On receipt of this claim on the 20/08/2021 I requested information pertaining to this claim by way of a CPR 31.14 request and CCA1974 Section 77 request. The claimant is yet to respond to this request. Mortimer Clarke is yet to respond in relation to the CPR 31.14 request. To date, 20/09/2021, no documentation has been received.The claimant remains in default of my section 77 request.   It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant entered into an agreement; and   (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974   (c) show how the Defendant has reached the amount claimed for; and   (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • Original Thread:   After not hearing anything from Drydens in months this arrived the other day. I have followed every step from the CAG thread...again they're somewhat vague and I'm not even sure what they have sent in proof is even evidence that I agreed to the loan maturing?     erudio_2.pdf
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Hi everyone,

I have started my claim against First Direct and Lloyds TSB a few weeks ago, not heard a thing from TSB (have asked for statements) so far, but sent claim for £420 to FD last week (who kindly returned my £10 cheque also), they acknowledged with a "10 days to reply" letter. Started to panic a bit about TSB though, cos we have a huge o/d, so have applied to Citibank for parachute account today!

Anyway, I am also new to this Forum thing and Posting Threads etc... Never used them b4 so I apologise in advance if I make a mistake. I have a lot of learning to do now.:!:

First Direct ** WON ** :p

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Just read read read.


With your TSB account, if you don't hear from them, just stick to your deadlines and proceed to the next stage.


Good luck!

If my post has been useful, tip my scales and let me know


Always start with the User guide!

Stuck with RBS charges? Click here!!



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  • 2 weeks later...

SUCCESS, Letter received from FD today offering to pay back my bank charges in full. I had included the interest with my letter, but I am happy to accept their offer and not take things any further, as I was a bit nervous about it getting to the court stage. So, happy days. I am going to put a new thread in Lloyds TSB now because they are also on my list. I will be making a donation to this site as soon as my cash hits my bank. Thanks a lot CAG!!!! Cheers:D

First Direct ** WON ** :p

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Nice work well done.Good luck with your next claim.:D

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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