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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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LLOYDS TSB Charges


wondergirl
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Hello everyone,

 

this is my first post here.

 

I was charged a returned dd fee of £35 twice in this year... and after hearing something on TV about the OFT's investigation.. I looked for help... So here I am..

 

Any advice pertaining to Claiming with Lloyds TSB would be helpful.

 

Thank you in Advance people!!!;)

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You might want to phone your branch in the first instance to see if they will refund the £70-I do not see the point of sending in the letters just yet.

 

Obviously if they do not play ball then you can begin the process.

PPMAN159

 

If this comment has helped please click on the scales.

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Hi Wondergirl

Welcome and Snap - my first time on here and also with LTSB.

 

I looked at the template library & followed the first letter asking for all statements & charges, sent the £10. and they arrived within 26 days. Now about to go for second letter requesting my money back. Dare I hope that it will go as smoothly!!!

Good luck & go girl:-)

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Heres hoping-but dont hold your breath.

 

Getting the statements is the relatively easy bit-getting them to give you your money back is a another matter.

 

Keep us posted.

PPMAN159

 

If this comment has helped please click on the scales.

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Wondergirl,

 

Are you 100% sure that they have only charged you £70 since you opened your account? If yes, then you are only claiming back £70.

 

If they have charged you more, chances are you may not know how much and when. As a result, you will have to send a SAR letter to request your statements. See link below for template letters:

 

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

 

Good luck

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Any charges should be reflected on your statements so take a look but be prepared for a shock should you find any.

PPMAN159

 

If this comment has helped please click on the scales.

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Heres hoping-but dont hold your breath.

 

Getting the statements is the relatively easy bit-getting them to give you your money back is a another matter.

 

Keep us posted.

 

I know I'm probably in for a bumpy ride - but we've gotta keep at it...thanks....i'll keep you posted

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bennyowen

 

If they have charged me any thing more, would it not show in my Statements online???

 

Jeez the deeper I get into this the more I hate them!!!!:mad:

 

Yes. However, if the whole statements are not shown online, the only way you know would be to request past statements using SAR letter.

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HELP!!!!!!!!!!!!!!!!!

 

Can anyone advise as to the right address to send a request for my refund?

 

I have the statements & have worked out all charges, just not too sure where to send the letter. Have looked at contacts for LTSB, but cannot make up my mind which is the right address.

 

Help!!!!!!!!!!!!!!!!!!

 

Thanks in anticipation

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Some people write to their local branch and still get result. However, you could also write to their registered address using the link below:

 

Contact details of banks

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

 

Make sure all your letters are sent RECORDED.

 

Good luck

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HELP!!!!!!!!!!!!!!!!!

 

Can anyone advise as to the right address to send a request for my refund?

 

I have the statements & have worked out all charges, just not too sure where to send the letter. Have looked at contacts for LTSB, but cannot make up my mind which is the right address.

 

Help!!!!!!!!!!!!!!!!!!

 

Thanks in anticipation

 

Hey everyone. Im new here. Im about to take on LloydsTSB as well as Barclays. I know lloyds is gonna be a tough one cause i used to work for them and know what there like. There main headquarters is Black Horse House in Swansea, although they like to say different. On another note, does anyone recommend a particular company to help with this? im in touch with FinancialClaimsUk and they seem to get results but i wanted to know if anyone has heard of them??? of course they take 10% of the final settlement but they regain your charges, interest for u and get your statements for u

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Thanks for that.....I have decided to opt for the London address.

 

Right I'm over the first hurdle - now looking forward (with baited breath) for the next step, about to do my 'Oliver Twist' impression - Please Sir can I have my money back!!!!!!!!!!!!wish me luck guys & gals, and the very best to everyone out there...Go get em.

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Hello, it is also my first time on this site and I have never made any posts on any site before. I have been with Lloyds TSB for 5 years now and I'm sure my charges will be in the thousands. I've just been on holiday for 3 weeks and come back to £160 of charges. I've heard that Lloyds nearly always take the process to the court stage? Have others experienced this?

 

Thanks, Mulve! x :-)

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Stee03,

 

I think you will be better off doing it yourself. There are many of these companies out there, be careful.

 

It is easy to do it yourself. You will gain some valuable experience in the process like fighting the bailiffs, refund of mortgage exit fee, etc.

 

Ask you questions here and you will get help and support.

 

Good luck

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JJ

 

Did you put the charges into one of our spreadsheets?

 

You should do this now, because later you will probably need to claim for interest as well and only the spreadsheets calculates this for you.

 

Varangian

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Stee03,

 

I think you will be better off doing it yourself. There are many of these companies out there, be careful.

 

It is easy to do it yourself. You will gain some valuable experience in the process like fighting the bailiffs, refund of mortgage exit fee, etc.

 

Ask you questions here and you will get help and support.

 

Good luck

 

@bennyowen. Thank you for the reply. Im am pushing more towards doing it myself but im weiry of something. I get the feeling that whatever i ask for ie list of charges, statements etc they are gonna convieniently omit some information. I read a guy already had his info and asked the bank for them anyway just to test and what he recieved was missing a lot of charges he had records of. Does it not sound more "official" coming from an appointed company, where someone like lloyds would be weiry of sending these people inaccurate information?

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Guest Niklowe

Hi everyone in this thread,

 

It is best if you start your own threads so that you can get individual attention.

 

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

Good luck all, you won't need it though

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

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You might want to phone your branch in the first instance to see if they will refund the £70-I do not see the point of sending in the letters just yet.

 

Obviously if they do not play ball then you can begin the process.

 

Called up the telephone banking service and they said I need to write into

Lloyds TSB PLC

Box 1

BX1 1LT

 

Has anyone else got these instructions??

 

Should I write them an informal letter or take the one from this site??

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If you write them an informal letter, you will get a fob off letter in return. This is the attitude of all the banks. It is only by lottery chance that they respond favourably.

 

I think you should write using the template on this site because it makes them aware you cannot be fobbed off.

 

I hope £70 is all they have taken in unlawful charges since you opened the account. If not, you should request all others in one letter (preliminary letter).

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