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    • What you've just written complicates things. No, the snotty letter now needs to be changed so don't rush and send something off just yet. We see you've done your reading up - well done - so you'll have seen we have several cases with our mate Kev.  His MO is to hide signs in the undergrowth where no-one will see them, and ignore consideration & grace periods, so he can issue his invoices.  His antics mean that motorists are legally in the right not to pay his invoices.  And so far he hasn't had the bottle to do court. However, your case is different.  As much as we despise Kev, you didn't pay for the private car park that Kev "manages" but instead gave the money to a completely different car park run by the council.  In that case Kev does have the right to be miffed.  I've just a mock booking for Sea View car park on JustPark and it works no problem. I think you have two decisions to make. 1.  Do you want to do a chargeback with your bank to get back the £60 you paid?  I did a chargeback about a year ago for the first time, i didn't have a clue what to do, but the regulars here guided me and everything was painless. 2.  Although you are probably legally in the wrong and may have outed yourself as the driver do you want to refuse to pay Kev for the other two?  If Kev won't do court then after all his bluster you'll be in the clear. However, as there are two tickets involved (potentially three if you go for chargeback) Kev's geed might win over his lack of backbone and he may go for court. There's no easy solution.  Your choice.  We will of course support you all the way with what you decide.
    • Ok thanx  I keeping coming across this term “ holding defence”. Can someone explain what this is. Thanx. 
    • Thank you @lookinforinfo and @FTMDave.  The car park I paid for by mistake instead of this one was Cornwall council, not Alliance. Will the letter still be ok in this instance? Thank you so much again for your help. When you open the Just Park app in the  Alliance car park (Sea View) the first car park that comes up is Polzeath Beach. Both car parks are on the beach. The signs do not give a code for 'Sea View' anywhere. I also have not been able to find the landowner to complain. (not on land registry.) Please confirm whether above letter is ok to send, thanks again.
    • OK thanks, I noted them down when I checked the report - 3 have already expired, although if I'm adding the 14 days on then it'll be another week or so for those. The others are; end of July (so into August is that right?), end of August (these two are the big ones) and a couple of grand on Shop Direct at the end of November but seeing as this furthest one is Lowell and they have already missed those first 3 then I feel pretty safe with that one. Are these DN dates on the credit report that dates I should be looking at +14 days when their anniversaries come up this year as the time when I can be sure the debts are SB?  I won't be rushing to send the SB letters anyway until the final one has passed and I can just do them in one fell swoop.
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Gill V Clydesdale


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:) Hi there,

 

Been reading up on things for a couple of weeks now and decided to go for it. Sent my letter away today requesting my statements. So I will wait & see how I get on. A little nervous though! Never mind, I will keep reading up on things. :)

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Hi Gil,

 

Great start, nothing to get nervous about though - as you've probably seen from reading these threads YB/Clydesdale can be a little harder to tackle, but you've got as much help and support as you need here.

 

Just give a yell if you need anything, and make sure you keep us updated with everything so that we can see what's happening should you need any advice :)

 

PJ x

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

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Thanks PJ,

 

A couple of things you might be able to help with are: The account is in joint names, does that mean we both have to claim against them or can one of us just pursue it? We both signed the form requesting the statements just to make sure that they couldn't waste any time! Have also asked for my credit card statements, so can I claim on both accounts in one go or will they be individual claims. It will probably be just late fees on the credit card & service charges on the bank account. Also we live in Scotland so I understand the procedure is a little different to England. Will be greatful for any help. From what I've read about the Clydesdale I think I'm gonna need it!

 

Thanks to anyone with info, Gill

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Glad to see some more successful claims today:) . I posted my S.A.R - (Subject Access Request) away last Thursday 'Special Delivery' & today my account states that the cheque has been cashed! So just have to wait until I receive them & then the fun will start:D . Will keep you posted,

 

Gil

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Hi,

 

Today I received a letter confirming that the Clydesdale have received my SAR. The letter thanked me for my request. Also confirmed my £10 payment. It then went on to say that they have 40 days with which to comply & that I will be receiving statements in due course.

 

The only thing I was wondering was that my SAR was sent to the Head Office in Glasgow & this reply has came from Leeds. (Advice Quality Unit, Charges Section, Third Floor, Brunswick Point, Wade Lane, Leeds, LS2 8NQ.) I was under the assumption that Glasgow was their Head Office & any correspondance should be sent their.Their letter states that if I need further assistance I should contact Leeds with my reference number.

:confused:

Should my request for charges be sent to Glasgow or should it now be Leeds I deal with.

Anyone??

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Thanks. I'm gonna need it with this lot. I'm also in the middle of changing my bank just now. I don't know if that will affect this claim as we have used there bank for over thirteen years and now we are dumping them & claiming against them!!

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  • 4 weeks later...

Nothing after the 40 days is their normal trend and the ICO appears to be doing nothing to correct this, which is their job. I suggest you nip over to the DPA Non-Compliance FAQ:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Mine went off last week to Yorkshire and they have until tomorrow to come up with the goods. Seems unlikely they will bother complying with the law. They haven't so far. So Wednesday it's down to the court to begin action to force them to provide them. (Next thread down).

Good luck. You won't need it but you will need a lot of patience, which they thank you for! :roll:

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Cheers Devonshrimper, no need to now as I received statements today (day 40) for mastercard account, my current account statements are at the post office. Will pick them up tomorrow & go through them. They sent letter of apology for taking so long. Seems to be due to amount of requests they've had!!:-o Thanks Again. Gil

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Statements arrived yesterday morning. I received 6 years statements. Should I just chance asking for the 6 years? It all mounts up to just under £300. Do I apply interest at this stage?

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