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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Bandit v NatWest - The Full Story And Finally**WON**


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The £33.03 charge I never found out what it was but I included it. If I'm thinking right, the charges you're thinking of Smel just have a date and an account number. If it is for £28 then it's an Unarranged Borrowing Fee and you can include that.

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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sorry for barging into this, how long ago the £33.03 was charged? i have been with NW for more than 7 years, i remember they used to charge £3 something pence daily since the day you have overdawn the od limit. i had a charge was £66.66 but it was years ago.

Apple

 

NatWest - MCOL issued 31/07/06; NW acknowledged 03/08/06; NW Defended 31/08/06; Cobbetts offered 60% 27/09/06; NW settled in FULL!!!! 07/10/06

Halifax cc - LBA sent 27/07/06; No Chance

First Direct - Data Protection Act sent 25/07/06; PRELIM sent 07/08/06; Offer received 12/08/06; Refused 18/08/06; 2nd offer rec'd 23/08/06 £1405 without interest (£172) and we accepted:grin:

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I picked that charge up on 29 Oct 2004 and had another the same day for £3.00

 

Bandit

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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mine was happened in 2000 and i haven't seen this kind of charging methods anymore. may be they still doing it sometime to random picked accounts. or would that the total amount of charge take away credit interest??? you should consult the robber...i mean the bank!

Apple

 

NatWest - MCOL issued 31/07/06; NW acknowledged 03/08/06; NW Defended 31/08/06; Cobbetts offered 60% 27/09/06; NW settled in FULL!!!! 07/10/06

Halifax cc - LBA sent 27/07/06; No Chance

First Direct - Data Protection Act sent 25/07/06; PRELIM sent 07/08/06; Offer received 12/08/06; Refused 18/08/06; 2nd offer rec'd 23/08/06 £1405 without interest (£172) and we accepted:grin:

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DISTRICT JUDGE MILDRED has considered the statements of case and allocation questionnaires filed and allocated the claim to the small claims track.

 

The hearing of the claim will take place at 14:00 on the 7 December 2006 at Weymouth County Court, Westwey House, Westwey Road, Weymouth, Dorset, DT4 8TE and should take no longer than 1 hour 30 minutes.

 

The court must be informed immediately if the case is settled by agreement before the hearing date.

 

The Defendant shall provide the Claimant with the information requested in Q1.1 of its request dated 26 July 2006 by 4pm on 6 October 2006

 

Each party shall deliver to every other party and to the court office copies of all documents (including any experts' report) on which he intends to rely at the hearing no later than 03 November 2006.

 

Documents must include the written statements of all witnesses to be relied on (including the Parties themselves).

 

If the Parties have already filed all witness statements and documents to be relied on they must, by the date that documents are due, notify the Court and the other party in writing that no other witness statements or documents are to be filed.

 

The original documents shall be brought to the hearing.

 

Notice to Parties: If you are unable to attend the hearing, you must notify the Court within 7 days and provide details of any other dates to avoid. The Court will then provide you with a further hearing date. Any later request to adjourn must be made by way of a formal application with a £35 fee.

Date: 18 September 2006

 

Here goes....

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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The Defendant shall provide the Claimant with the information requested in Q1.1 of its request dated 26 July 2006 by 4pm on 6 October 2006

 

What did you ask them? I can't find the details in your thread.

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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barracad - everything i've had i've put in here, so I don't know what I've asked them either....guess i'll find out :)

 

Bandit

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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barracad - everything i've had i've put in here, so I don't know what I've asked them either....guess i'll find out

 

Strange... it clearly states you requested from information from them on 26th July and they must respond to it. Not sure how they'll be able to respond if you don't even know what you asked them!

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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The Defendant shall provide the Claimant with the information requested in Q1.1 of its request dated 26 July 2006 by 4pm on 6 October 2006

 

I had a quick look through all my stuff and:

 

The only thing relevant to 26 July is Cobbett's defence and CRP18

The only thing relevant to Q1.1 is in their CPR18

In support of your claim please provide details as to what account(s) (giving details of the account name, number and sort code) the charges were applied.

 

I'm gonna phone the Court up on Monday and try and sort this out, seems I have a mighty confuzzled District Judge :(

 

Will let you know what happens there....

 

Bandit

  • Haha 1

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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Mahe sure u do M

 

Everyone here is waitin !!!;)

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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Did you request standard disclosure by the bank of its penalty charging regime in your AQ? Could this be what the judge is referring to? "The defendant must provide the claimant" - you are the claimant so it is the bank that must provide something...

NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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I just phoned the Court up and yes, the judge got itself in a tizzy and mixed up Defendant and Claimant. So now penning a letter to both Cobbett's and the Court confirming once again my account details....

 

Bandit

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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Well I just wrote a cover letter to the court enclosing post #90 on my thread http://www.consumeractiongroup.co.uk/forum/post-180962.html

 

Hopefully that'll show the incompetance :)

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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Well I just wrote a cover letter to the court enclosing post #90 on my thread http://www.consumeractiongroup.co.uk/forum/post-180962.html

 

Hopefully that'll show the incompetance :)

 

makes you want to cry doesn't it :mad:

NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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I have been following this thread for soooooo long now, I cant believe its still going on!!! I am only at the acknowledgement of service stage but this is really keeping me going and making me believe I can win (all my family keep on saying there's no way I can sue the bank and it must be some sort of con!).

 

Go Toilet

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Some sort of con ???

 

definately operative words........but the real term is unlawful charges !! ha ha

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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Dear Sir

 

We refer to the above matter and to your letter dated 24 September 2006.

 

Although our client maintains its position as stated in our letter of 19 September 2006, and is confident that it will be successful at a final hearing, its legal fees will almost certainly outweigh the value of the claim, and, as such, our client must take a commercial approach to such claims.

 

Accordingly, without any admission of liability, our client is prepared to settle this matter in full to prevent incurring any further legal fees. We enclose a cheque in the sum of £1456.80. As previously stated, acceptance by you of this goodwill payment will be in full and final settlement of your claim against our client and strictly on the basis that:-

  1. you agree not to disclose to any third party the fact of, or any details relating to, this payment.
  2. you write to the Court withdrawing your claim.

We would ask that you now write to the Court and discontinue proceedings in this matter. We have attached two copies of the Notice of Discontinuance, and we should be grateful if you would complete the copies, forwarding one to the Court and the duplicate to us.

 

We await receipt of the completed notice of Discontinuance.

 

Yours faithfully

 

Cobbetts LLP

 

Enc.

Enclosed was two copies of the NoD and a cheque!!

 

Bandit

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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Phew,

 

Looks like you are nearly there mate.

 

I too have been spending hours following your thread with great interest. Thank you very much for putting so much effort into it.

 

Ned

*********************************

NatWest Advantage Premier Account

01-09-2006 - S.A.R - (Subject Access Request) sent

04-09-2006 - NW respond asking for fee

09-09-2006 - New S.A.R and fee sent

23-09-2006 - Statements received

*********************************

IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU :)

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O.M.G.....GULP !!

I DONT BELIEVE I AM READING THIS!!!

 

 

Let me be the first to say congrats Mickie.....your journey has been an inspiration to us all

 

And thanks to Cobbetts.........now get the rest of them sorted please !!!

BY the way to all Rbs/Natwest claimants reading this....Mickies Court date was set for Dec 4th..............

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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Great news!! Hope I don't have half the fuss with my claim...

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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

 

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