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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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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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MBNA Charges


cozzie121
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I made a phone call to MBNA this morning asking for some kind of recompense. I was passed to 4 different departments then eventually was told that because the information they have is on microfiche, for the last 6 years information I would be charged £122!, I queried this amount and brough to their attention the maximum statutory fee of £10 to gain access to my information, they said this fee only covered seeing your balance and not the breakdown. call ended

 

I read the other post here about contacting stuart, and thought I would give it a try, MANY MANY thanks for that advice. It wasnt Stuart i got through to, it was a Gavin (Theobald?) I explained what I had been told, how unhappy I was and suggested instead of proceeding formally through DPA, that some kind of recompense be credited to my account. Gavin was very good, suggested that instead of trailing through the records he was going to send out a copy of all charges to the account in 6 years and for me to give him a call directly when i recieved them within 5 days!

 

Thought this was also a good method if your not looking to go through the whole procedure! fingers crossed now!

Lloyds TSB - LBA sent for £338

Launched court action on 28-03-2007

Return Date 28-05-2007

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Gavin is very pleasant. Don't botrher with the call centre from now on, just go straight to the advocates office as they have a lot more common sense.

 

When I spoke to Gavin the other week he was the one who mentioned charges first, not me so they know exactly what is coming.

 

May I suggest that you put your request in writing though, as in the unlikely event of it going to court you can display written evidence of reasonable attempts to reclaim the money, otherwise they could just deny conversations took place and in the long run it may save you time anyway.

 

Just a thought

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Fantastic, thanks for the advice. I'm going to wait till I receive the paperwork and then put it to Gavin. If I am not able get a decent sum or answer then i'll back it up with a letter.

 

I'll keep optimistic just now and hope he doesnt welch!

Lloyds TSB - LBA sent for £338

Launched court action on 28-03-2007

Return Date 28-05-2007

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Hi,

 

Im new to this site. I recently paid off all my credit cards, one of which was a virgin card. sometimes i couldnt make payment and was charged £25 as people are problaly aware.

 

I am wondering if there is any chance I can claim back all the lates fees i ended up paying? I would estimate about £500 in total i paid mbna in late fees. remember of course that i have now paid them off everything.?

 

Cheers

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Hi. Yes you can claim the charges back, even if you have paid the accounts off.

 

Please start your own thread though, as it makes it easier for everyone (including you) to keep track of your claim.

 

Also spend some time reading other posts and especially the FAQ section, as most of your questions will be answered here!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Lloyds TSB - LBA sent for £338

Launched court action on 28-03-2007

Return Date 28-05-2007

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Thanks

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