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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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Just starting out ***WON***


tjinuk
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Hi to everyone here

 

I have been pondering this for many weeks an saturday i decided enough was enough. Iv sent two letters to Lloyds tsb, 1 for my statements and 1 on behalf of my daughter. Her costs amount to £1455.34. Im not sure about mine until i get the satements back.

Thankyou to all for giving all the advice needed an template letters. I will keep you all updated as to what happens.

Bye for now

Tjinuk:-)

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Hi Ellie

 

Thankyou for the welcome. I have been reading lots and lots and some of it gets really complicated especially if it goes to court but im trying not to think that far ahead yet. Its weird how people who bank with the same company (llyods) have completely different outcomes. Sometimes the amount is near enough the same but the procedure can be completely different in each case.

Well i will keep you posted and ask any questions if i get stuck. Thankyou

Tjunuk :)

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Hi tjinuk and welcome to CAG,

 

Unfortunately Lloyds do tend to hang things out as long as possible before settling.:(

Stick to your guns and the procedures set down on this site and you'll get the money back. Don't be afraid to ask any questions you may have. People are only too happy to assist you, as you will find out.:)

 

Good luck with your claim, you made the right decision!

 

Pondfish

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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tyinuk, i know what you mean about things being scary my first letter to lloyds was sent on 8th jan and i've just sent my allocation questionaire to the courts cos they are not playing ball, but i think as long as you stick to your guns seen as this money you are claiming is yours by law then fingers crossed you'll get the outcome you want. good luck and i hope things go well for you

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Hi Steph

 

Thanks for that and coincidentally iv just been reading all your thread and todays post!!! (p.s. i know how it is with kids around..lol.)

I hope your case will be coming to an end for you soon. I look forward to seeing the post saying..yay...full setlement. Please hang around as i have a gut feeling im going to need advice along the way.

Tjinuk..:)

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Hi All

 

Just wondering if anyone can help me. I sent my letter off with a £10 postal order requesting my bank statements for the last 6 years. I sent it recorded delivery. This was a week agao and its still not been delivered as nothing as come up on royal mails site. At the same time i sent my daughters letter to her bank asking for refund of charges and this letter has been signed for. do you think the other one has been lost? If it has what do i do about it? Any help would be appreciated. Thankyou.

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Hi

 

Iv made a boo boo. Rushed around on Saturday to get the next letter off (LBA) and just realised that it wasnt signed. I have had no letter off them regarding the first letter i signed. Now im wondering if that was signed, im pretty sure it was? How do i stand on this? Do i need to send the same one again..The LBA one? this timed signed.

Also, i sent a letter SAR for my account, with a £10 postal order. Again iv heard nothing. But whats strange is i use recorded delivery and its still not showing up online as having been signed. This was 2 weeks ago. I have got a claim form from Royal mail and sent letter yesterday.

Shall i send them another or what to see what royl mail say first?

Thanks, cant believe i was so stupid!!Its my daughters account and i completely forgot to get her to sign it.

Tjinuk

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Hi

Have you tried ringing LTSB on the number I gave you about your SAR?

The Royal Mail Track and Trace is not always reliable.

Sorry I'm not sure about the not signing the letter thing.

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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  • 2 weeks later...

Hi All

 

Just an update on my daughters account. Had a letter today from andover...the usual sorry to hear blah blah. Do i now go ahead and claim online? this is the first response off them in 3 letters and nearly a month!!

The address i use in the MCOL is lloyds registered address..is that right??

I emailed regarding my closed account and someone got back to me and said i would hear within 5-10 working days..so just waiting for that.

Thanks for all advice, its much appreciated.

Tracie

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Hi Tracie,

If the 14 days you gave them in your LBA is up, you can start your claim through the courts. You can use MCOL or fill out an N1 form the choice is yours.

Yes the address you use is the registered address:-

 

Lloyds TSB Bank plc,

25 Gresham Street,

London,

EC2V7HN

Pondy :)

 

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Hi all

 

Well had another reply today saying they are looking into my complaint and should get back to me within 4 weeks. Well thats very nice but im still starting the court claim this Thursday when iv got the funds to pay for it...:) . I think this is another way to make you stall but having read all the other threads i'm not falling for it!!!

Have a great weekend all.

Tracie

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Hi All

 

Just starting to get my N1 form ready and not sure where to put the interest im claiming...i dont want to get it wrong..i know how to work out the daily rate..bt where do i put the 8% interst of £101.63

Thankyou

Tracie

 

Charges £1,410.00

Overdraft Interest £?

Interest under s.69 County Courts Act 1984 £?

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

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Hi All

 

Just starting to get my N1 form ready and not sure where to put the interest im claiming...i dont want to get it wrong..i know how to work out the daily rate..bt where do i put the 8% interst of £101.63

Thankyou

Tracie

 

Charges £1,410.00

Overdraft Interest £? This is the overdraft interest incurred as a result of charges, I dont think you are claiming this.

Interest under s.69 County Courts Act 1984 £? this is your 8 % interest.

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

 

 

hope this helps

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Hi Livelylad

 

no im not claiming the over draft interest(is that the contractual interest??)..

Thanks for that..i thought thats what it might be but wanted to know for sure.

Thankyou

Tracie :)

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Hi again

 

Another question. My claim is for £1,410.00 + 8% interest of £101.63 which equals £1,511.63.. The problem i now have is this..its over the £1,500 which means the court costs will be £250.00 and not £120. I understand you get costs back if/when you win but i dont have £250.00 spare until then. Would you suggest tweaking the costs so it does not amount to that much. With my 1st 2 letters i did not include £50 of charges they have taken today so if i leave that off it will be below...any ideas which way is best??

Thankyou for any help beforehand.

Tracie

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Sorry to hijack your thread but I recently did a claim through small claims and providing it's under £5k then it only costs £120, or have I missed something? I recently sent my LBA off and have diddly squat, they have taken the £10 but haven't sent any info on my statements so can't even get that information, now they are really peeing me off, I can't wait to file a court action, god they deserve everthing they get. Good luck tho, reckon it's going to be a long slog for us. x

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Hiya

 

Yes your right, thankyou. Im such a plonker, panicking and making sure everythings right!!! From £1000.01 - £5000 = £120.

There is so much to think about when filing, i dont want it thrown out for something iv done wrong...thankyou once again.

Tracie

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