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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
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Vicki Vs Lloyds **starting out**


BlindApproach
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Hi there,

 

Well I have just printed and signed my letter to go off to lloyds to begin the whole process. Around 5/6 years ago i was a director of a company, which went down the pan. The problem was it was my fathers company, and I took out loans etc to keep it going as long as possible. Obviously this got me into big problems with both loan repayments bouncing and also subsequent unemployment, meaning nothing going into the bank, which of course they hammered me for on unpaid direct debits. Yes, it was foolish to cover my fathers company in the short term with loans, but what could I do! Anyway, now it is time for me to claim it all back, and I think it will be a lot too.

 

I've also got a Credit Card with lloyds, but do I send the same letter? I'll have a look through the templates, but couldnt find one specifically for credit cards rather than bank accounts, so maybe there isnt one.

 

Anyway, here goes - slightly apprehensive, but i can see there is a lot of help around - plus my hubbie is claiming from Barclays and is about a week ahead of me - so hopefully there is a similar process!

 

Here's hoping!

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Hello Vicki, I am just coming to the end of my claim against Lloyds, but my situation was completly different to yours. Here are some simple points to follow.

1 Make sure that you have not duplicated any statements.

2 Keep copies of all letters that you send.

3 Know what letter to send and at what stage.

4 Dont panic and accept the first offer.

 

With Lloyds they will drag it out. I started my action in November 2006, once they have received all statements and the first two letters have had 14 days apart. You might be offered a £750 good will gesture, reply to them. Thanking them but you are still after the full amount. Then start with court action by filling out a small claim form and paying £250 if your claim is over 5k. The bank has another two weeks to reply. At this stage i received 3k from the bank still 2k short, and i have just completed the allocation questionnaire for a court hearing. Now is a waiting game. But dont give up.

Keep in touch.

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thank you for your comments - i certainly wont be giving up. i have a friend who was owed over 3k and they settled for £300 at the first offer because they werent aware that help like this was around, so of course didnt know the process and have the templates etc, wish i had known about this site then, would have helped him out enourmously!

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  • 1 month later...

YES!

 

got my statements of charges through the post today. I have to say that lloyds seem to be more cooperative than barclays both in their tone of response and the added bones of detailing just the charges rather than sending you 6 years of full statements through the post!

 

OK, so my initial thoughts were that for this six year period I am owed around 2500 - we will see!

 

First questions about the charges listed;

 

Which can I claim back from the following which are itemised;

 

Fee : Account Charge

Chg : Overdraft Interest

Chg : Overdraft usage fee

Chg : O/draft excess fee

Chg : Unpaid cheque

Chg : Unpaid D/D

Chg : Unpaid personal LN

Chg : Unpaid S/O

 

I will try to find out myself, but if anyone can help :)

 

ooooh, am excited!

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I sent off my preliminary letter to Lloyds on February 22nd. Got no reply so sent second stage letter 8 days ago, still no reply. As neither have even been acknowledged should I send a copy to htem before I start with my MCOL?

 

Anyone advise?

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Tommy I didnt get any acknowledgement, just received the statements today after sending initial request on 20th feb. They do have 40 days to send them, and you are only 2 days behind me so hopefully you will get them in the next couple of days

 

Anyone have an answer to my question about which charges to claim from above list?

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Tommy I didnt get any acknowledgement, just received the statements today after sending initial request on 20th feb. They do have 40 days to send them, and you are only 2 days behind me so hopefully you will get them in the next couple of days

 

Anyone have an answer to my question about which charges to claim from above list?

 

 

BlindApproach

 

I didn't need to request copies of my statements I already had them, I keep everything (sad I know), what I haven't had any response to is the actual letters requesting my charges back.

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Which can I claim back from the following which are itemised;

 

Fee : Account Charge

Chg : Overdraft Interest

Chg : Overdraft usage fee

Chg : O/draft excess fee

Chg : Unpaid cheque

Chg : Unpaid D/D

Chg : Unpaid personal LN

Chg : Unpaid S/O

 

anyone?

 

I am probably being thick, but I am struggling to find the information I need due to the amount of stickies!! Also looking for a good step by step guide, I know I have seen it before!

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Hi, I can't find the thread, but out of the following you can claim for:

 

Fee : Account Charge ++NO++

Chg : Overdraft Interest ++Not sure - I did and got it back though!++

Chg : Overdraft usage fee ++if o/d caused by penalty charges++

Chg : O/draft excess fee ++YES++

Chg : Unpaid cheque ++not sure++

Chg : Unpaid D/D ++YES++

Chg : Unpaid personal LN ++NOT SURE++

Chg : Unpaid S/O ++YES++

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wow - thats what i hoped for!! so thats everything they detail on the charges they sent through - never thought it would be that straight forward :)

Thank you, you are a star!

 

Better get totaling, now where is that spreadsheet!! :)

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I agree Vicki that what you can and can't charge for is really hard to find without trawling through lots of pages.

Wish it was in the FAQs or STEP by STEP guide.

As for the unpaid cheques I am sure that the fee is punitive, i am guessing at around £35 or so, but would prefer someone who knows exactly what you can and can't charge for to reply too!

Just wanted to add that the info above was from a thread "ConsumerAction Group > The Bank action group - against unlawful charges > Lloyds Bank> what charges back in june 2006! so there must be something more recent than that!

That was info from Bookworm - moderator.

sorry cant help more!

Red

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Vicki - wow hang on - please make sure that you have read my edited mail as my pc crashed when i was halfway through typing! so i added my notes inbetween ++ ++!!

sorry it happened at just the wrong moment!

Red

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Hi, I can't find the thread, but out of the following you can claim for:

 

Fee : Account Charge ++NO++

Chg : Overdraft Interest ++Not sure - I did and got it back though!++

Chg : Overdraft usage fee ++if o/d caused by penalty charges++

Chg : O/draft excess fee ++YES++

Chg : Unpaid cheque ++not sure++

Chg : Unpaid D/D ++YES++

Chg : Unpaid personal LN ++NOT SURE++

Chg : Unpaid S/O ++YES++

 

ah ok. I would imagine that if you can claim for Unpaid DD charges you can claim fr unpaid Personal Loan and S/O too, so will try that.

 

I was thinking I should leave out the interest until the court claim as I have read and will leave out the od usage fee coz i am not sure if all were caused by penalty charges.

 

Damn, I wasnt confused earlier, now I am!

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Sorry, was not trying to make this harder for you!

Yes, leave out the interest - that is for court stage only,

I would agree about the charges for cheque and DD, personal loan and SO, maybe someone will be able to advise overnight before you send your letter off!!

Red

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no - you werent making it harder! i meant that I thought it would just be a case of totaling up all the charges they sent me and sending it off, but alas it seems not!!

 

I am so desperate not to make a mistake in all this!

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Which can I claim back from the following which are itemised;

 

Fee : Account Charge No

Chg : Overdraft Interest Some not all, you need to use spreadsheet to work it out

Chg : Overdraft usage fee Yes

Chg : O/draft excess fee Yes

Chg : Unpaid cheque Yes

Chg : Unpaid D/D Yes

Chg : Unpaid personal LN Yes

Chg : Unpaid S/O Yes

 

anyone?

 

I am probably being thick, but I am struggling to find the information I need due to the amount of stickies!! Also looking for a good step by step guide, I know I have seen it before!

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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'Unpaid' anything is completely claimable :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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WOW - i dont believe this - i am going through yr 2002 and there are some unpaid d/d items for £85 & £120!!! Thats absolutely rediculous surely! As you get towards 2006 these charges seem to standardise at £35, so they were even worse back then than they are now!

 

Crazy! Anyone else get items listed at this amount?

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