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    • 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. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Green Bowl vs. Lloyds TSB


the green bowl
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Having checked my online statements recently I note that Lloyds TSB have charged me £610.00 in overdraft excess fees and unpaid D/D fees since August 2003.

 

At the moment I've taken no action against the bank.

I've printed off the relevant statements from Lloyds online banking site and the sample letter from the BBC - http://news.bbc.co.uk/1/shared/bsp/h...bank_14day.pdf.

 

I'm quite worried about pursuing this as I've got a £1,500 overdraft with them. If they decide to close my account and/or demand that the overdraft is cleared immediately I have no means to pay it off (getting the unfair charges back off them would be a start though!).

 

As I said I have the BBC's template letter ready to send, I'm going to open another current account on Monday in case Lloyds try to play hardball.

 

Does anyone have any advice for me?

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Hi green Bowl.

 

Does anyone have any advice for me?
Yes.

Throw away the BBC letter.

Spend a couple of days reading the FAQs and the step by step guide in the library section. That will answer most of your initial questions.

Have a look at the letter templates library. You will find all the letters that you need.

If you use a letter from elswhere and there is any problem, then we may not be able to help you properly. We know that our letters work.

 

Regards, Rooster.

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Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi and welcome!

 

Firstly I was wondering if you've considered using the forum's own templates - as you're obviously intending on getting help and guidance here. I'm not trying to tell you what to do but if you are wanting to use this forum as an aid then it would probably be better to use the forum's methods. :) I've had a quick scan through the BBC's letter which you've usefully linked to and it is quite different to the initial letter on this forum. Firstly it is, in effect, a Letter Before Action as it gives them one warning and then you file at court. On this forum we send a prelim giving them 14 days, then a LBA giving them a further 14 days, then we file the claim at court. You can find all of the relevant letters in the Bank Templates Library. It would probably be worth checking out the Step-By-Step Instructions too.

 

I hope this doesn't come across as me trying to tell you what to do - as it really isn't meant that way. :) I just think that as you haven't sent your initial letter yet you might want to reconsider which method you're going to use. Also we tend to send in a schedule of charges at each stage so that they can see a complete breakdown of charges you're claiming for - I didn't notice mention of this in the BBC letter.

 

As for the overdraft it is probably a bit of a gamble I'm afraid. I think it is unusual for them to demand it back while you're in the process of reclaiming , but you're right in getting another account open.

 

Whatever you decide to do I wish you the best of luck and I'm sure people will still be willing to offer advice whichever letter you use.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

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Many Thank to you both.

 

"I hope this doesn't come across as me trying to tell you what to do"

 

On the contrary, I came here looking for advice from people in the know and I'm more than happy to listen. I was going to send the BBC letter today but then stumbled across this forum and I'm glad I was more cautious. I think this forum is fantastic - truly indicative of the power the internet has given the consumer when dealing with these disingenious companies.

 

My girlfriend's mother dived straight in with the BBC letter and has now been frightened into compliance by a rather rude letter from Nationwide where they advise her to 'seek an alternative banking service in the future'. I will certainly be pointing her to the direction of this site.

 

As it stands it will take me some time to clear the overdraft. I think my best option is to transfer it to my new current account before continuing this action.

 

My Thanks again.

 

green bowl.

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I think it is a good idea to give them as little ammunition as you can. As I said, it probably would be very unlikely that they demand repayment but obviously it helps your confidence if you don't have to worry about it. A good place to find potential bank accounts is on MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more. The Best Bank Accounts article lets you know the best accounts for each situation - including switching your account with overdraft to another bank. If you can do it then I think it's certainly worth it. :)

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

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Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

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You guys have been brilliant.

I will shop around on Monday to find a new current account. Due to my overdraft situation it looks like Alliance and Leicester are my best bet.

I'll keep my activities posted.

You've really helped me avoid some obvious pitfalls, thanks again!

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