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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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Standard letter? Standard reply?


craigyb85
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Firstly, as a newbie, I would like to express my thanks to the creators of this site and the moderators of this forum. It has so far proved very useful, and I'm hoping some helpful person can help me with me latest issue!

 

I have received a letter from the A&L in response to me asking for my money back. The letter they sent seems standard, but I was curious as to whether I can still persue my claim or whether what they say is true.

 

I had a basic cashcard account with A&L for many years, and latterly they even let me have a debit card (oooh!) but still refused to allow me an overdraft facility, although possibly with good reason. The only time I was ever overdrawn was when they failed direct debits. And then once these charges were levied, I became overdrawn which of course they charged me for. Again and again! So I sent the standard letter and this was the reply:

 

"Thank you for contacting us regarding your account.

 

I have noted your comments that you believe the charges that have been raised on your account to be unfair, please be assured our charges are reasonable and are competitive with the charges made by other financial organisations.

 

The Office of Fair Trading (OFT) has commented that they consider the level of late payment charges to be unfair, however they were actually referring to late payment fees for credit card payments, which are quite distinct from a bank's charges on current accounts.

 

As yet, the OFT have not entered into any discussions with the banking industry regarding current accounts. However, should that position change in the future, then Alliance & Leicester will participate as appropriate.

 

Given the above, I cannot accept you have been unfairly charged as you suggest. I regret, therefore, that I am unable to agree to your request for a refund of charges on this occasion.

 

I am sorry if you are disappointed with my response, but as the charges have been raised correctly in line with terms and conditions of your account, they must stand."

 

Any informed and accurate comments would be greatly appreciated.

 

Thanks in advance!

 

CB.

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garbage!!

look at the claims successes.

just a stalling tactic, stick to oyur timetable

 

dx100uk:D

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi

the A&L are using the press release from the OFT to hide behind and play for time but if you actually read the press release from the OFT dated 5th April called indeed:Currant credit card default charges unfair, the second paragragh states that these principles also apply to default charges in other consumer contracts such as those for bank overdrafts, store cards and mortgages, so as you have a contract for a bank account I would hazzard a guess the second paragraph applies to every one who has a bank account including yourself, check out the OFT site and read this press release,

good luck

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Thanks for advice and help.

Following my latest letter to A&L, I received another one quite similar to the one posted above insisting that they are right and I am wrong!

 

On to the next Phase. Wish me luck!

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Yeah, good luck dude.

You won't need it though. Just stick to the tested format and you'll get there despite all their nasty scare and stalling tactics.

Think about it. You've already won cos you didn't let them scare you off. I bet there are many poor suckers out there who don't have the benefit of having found this site who take their letter as gospel and fail to follow up their claim.

Let's face it; we're all in this boat cos we've believed the banks were in the right to charge us for our errors and therefore accepted the punishment unquestioningly. It's only with the high profile that claiming back bank charges - and doing so successfully - has received in the last year or so that we have become aware of the unlawfulness of the situation. :rolleyes:

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