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    • Something else to add to your WS.  I have just reread your NTK and it is not compliant with PoFA. That means they can only sue you as the driver, not the keeper so it is important that you do not divulge who was driving. Schedule 4 paragraph 9 section [2a] and [2f] refer. (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;   (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;   If you compare the above with your PCN you will ind that they have missed   (if all the applicable conditions under this Schedule are met]. So they have not complied with the wording in Schedule 4 where it says that the notice must. And in Law must means must.   They cannot assume that you were the driver so put them to strict proof that you were the driver. Bear in mind that anyone with car insurance is able to drive the car. Whenever you receive their WS please post it up and we will tear it to pieces to add strength to your WS.      
    • Just to confirm.  You have sent the snotty letter, haven't you?
    • OK, back again.  So.   4.  We don't know.  It is up to VCS to prove the do have PP.  And as in just about every VCS case they show total contempt for the legal procedure and never obtain PP we can hazard a guess as to which it is.  This is a breach of their Code of Practise which they sign up to where they state they obtain all legal permissions.  No planning permission is a criminal offence under The Town and County Planning (Control of Advertisements) (England) Regulations 2007 and means a contract cannot have been formed with them.  To give the extreme example which is usually quoted.  Someone promises a hitman a large sum of money for carrying out a murder.  The hitman does so but is never paid.  The hitman cannot sue for the money as murder is a criminal offence.  That is an extreme example but the point stands.  If you want to be sure, contact the local council and find out if VCS have PP.  They won't.   5.  Should you really owe this money. VCS are entitled to sue you for £100 plus their costs.  But they are suing you for £160 plus their costs.  Where has the extra £60 come from?  They've just made it up.  We've seen cases where VCS actually won at court, but the judges invariably disallowed this extra £60.  Some judges have been so annoyed with VCS's antics that they have chucked out the whole case on the basis of the made-up £60 alone.   As well as the airport threads HB advises, have a read of EL21's excellent Witness Statement at, I think, post 120 in  https://www.consumeractiongroup.co.uk/topic/430570-vcs-2vanishing-windscreen-pcns-now-claimform-brook-retail-car-park-ruislip-claim-dismissed/page/5/#comments  Don't worry, you don't have to write a document like EL21's!  Although EL21 was in a retail park, not near an airport, a lot of the legal arguments are the same.  
    • Hello,     I need some advice / help regarding a dispute I have with Sofology. Not another one I hear you cry!     We bought a sofa from Sofology after seeing one in their showroom and falling in love with it. The sofa is less than 4 months old. We complained about the quality of the sofa:     excessive wrinkling of leather insufficient padding improperly installed - the legs under the two seater part (it's a corner sofa) hover above the floor and do not make direct contact.     They sent a technician round who met with my partner who was mentally unwell at the time. Shortly after she was admitted to a mental health hospital for treatment but is safely back at home now. She was dealing with Sofology, but I have taken over as she is currently not able to cope with this and many other day to day tasks.     Some photos below:   Sofology closed the case after their visit stating their technician found nothing wrong with the sofa. I wrote to Sofology asking them to reopen the case and provided various photographs. An extract from my email:     I am not content with the response from your technician. The sofa was delivered in July this year. It is less than 4 months old. I understand leather is a natural material and stretches over time but, the stretching the sofa has suffered is excessive given it’s age. Our sofa is not as firm as the one we saw in your Cambridge showroom and the condition of the leather (it’s tightness) is also worse, despite presumably many people sitting on the showroom sofa to test it. I would go so far as to suggest ours is made to lesser standards, with looser fitting leather and less/softer padding. It is worth noting that these issues are localised to the two seater segment of the corner sofa. The corner section and single seater return are not affected in this way. This demonstrates that the problems are not prevalent across the entire sofa, and that the manufacture of the two seater section is of a lesser standard. I trust the information above is enough for you to reopen the case and send another technician for a second opinion?     Their response to this appeared to by some standard wording about this is normal; you need to sit on different seats and rotate the seat cushions blah blah.     If they had bothered to look at my case in detail, they would have seen the cushions are fixed. I've just written back to Sofology with a stronger tone informing them they have not adequately addressed my concerns. That the sofa they have supplied is of unsatisfactory quality. It is of lesser quality than the sample sofa we viewed in their Cambridge Showroom. That they must re-open the case and that these issues remain raised within 6 months of receiving the goods.     I feel like this is just the beginning of a long uphill battle. Any advice would be greatly appreciated.     With best wishes,      
    • Thanks for answering my post - much appreciated   dx -  I have sent a SAR to Moneybarn.   The letter I got was from DWF Law LLP stating they represent Moneybarn.   The agreement is 60 months. First payment was made in June 2020. To date I have made 12 payments between June 2020 to Oct 2021. (Sorry I am dyslexic and my maths isn't good enough to calculate 1/3☹️   Noted - I will not communicate with Moneybarn / dwf verbally.    Apart from the SAR, shouldn't I be applying for a Time Order?   Regards LH2021   @Kyosanto Hello    Yes - Not planning on speaking to them ever again!! From now on, everything will be in writing as you and dx have advised. I have indeed sent a SAR to Moneybarn.   I terms of the car - I jumped in with 2 legs and and at the time I was able to afford the car. I would like to keep it, continue on making payments and clear arrears.    Thanks for your assistance. 
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halifax bank charges

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hi there everyone this is all new to me , when my bank charged me for going over my overdraft limit i used to just except the fact that i had to pay these charges just like everyone else, i have recently had to give my job up due to being a single parent an money is tight as i have to rely on what the goverment says you can live on so this gets put into my bank account but gets eaten up with all the charges i keep getting from 12th march to 23rd march i have ended up with £230 bank charges i haven;t seen any money for weeks because of this an everyday when the post comes i dread opening the letters from halifax bank , can someone please advice me an if i could get my bank charges refunded i realy dont no where i stand. many thanx fancypantsjules:oops:

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Hi and welcome.


Yes you can claim back your charges. Read some of the FAQ and step by step instructions first to get you started.




Good Luck and just holler if you need help

Lloyds TSB (C.Acc) **WON - Fully Settled**

NatWest - £1367.96 - N1 Filed - AQ Compl

Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected

Lloyds TSB Credit Card - £373.48 - N1 Filed

MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

Paragon Personal Finance - S.A.R 15/12/2006

Littlewoods - £834.43 - N1 Filed

Barclaycard - £1145.00 - N1 Filed

My Wife:

Natwest Current Account - £1197.98 - N1 Filed at Court

Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **

Littlewoods - £1405.48 - N1 Filed


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Guest Niklowe

Welcome fancy,


You've come to the right place to get back your charges.


Just read the FAQ's and have a look in the forum for your bank and read the experiences others have had. Above all don't rush in without plenty of reading. When you are happy start a new thread in that section and away you go. There is lots of people to help you, but don't forget this is a very much a self help site


Have a look through these links


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

Example Step-By-Step Instructions

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


Good luck but you won't need it



If you found it helpful please click my scales (on the left).

Any advice offered is my own opinion and if you are unsure always seek further advice.



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  • 2 weeks later...

Hi i dont no if ive done this new thread right or not ! I have had alot of bank charges over the past couple of months an as a single parent who has to rely on what the state say you have to live on , well my bank was taking all of it so i sent my first letter off on march 23 to Trinty house but then realised that i hadnt included the fee . so going to post the letter off again with a cheque this time . has anyone got any help they can offer me ,ive looked through the other threads an got some tips from them . :)

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Hi Fancypantsjules

And welcome aboard.

There is a lot of information on this site so take your time and spend a couple of days reading as much as you can.

Here are a couple of links to get you started and I suggest you always keep them to hand.



This might also be of interest so read it carefully:


When you are comfortable start a thread "XXXX v Bank Name here" in the relevant bank forum as then people with specific experience of this bank can offer support and advice.

There is a lot of information to take in here so if unsure it is always best to Ask first.

If you need a quick answer to a question you could always try the chatroom as there are usually some very helpful people in there.

Very best of luck


Any advise offered is my own opinion, and if in doubt, always seek clarification.


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Hello and welcome Fancy,


Take your time to read up as much as you can before making your claim. Everthing you need to reclaim your cash is here, just takes some time to get your head around. Have a look in your banks forum, read a few threads then start one yourself, there's always someone in the same boat as you willing to help you out. Read all the F.A.Q.s and Step-By-Step Instructions. It takes a while to take everthing in but if you follow the tried and tested methods on this site you will get your cash back. Don't be afraid to ask some questions as mistakes can be costly.


Best wishes with your claim.






Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanx guys i have just rung the bank an requested a complete run down of charges since i opened the account the lady on the phone was very helpful an even went to seek mor info from her manager she even said that it took three parts to claim the money back not sure if her manager would be pleased to hear her saying that bless her

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Hi there, just found your thread from your post on sea-sidelady's thread. Now the letter you said you sent in post 1, was it your SAR? I know some of the halifax staff are really helpful but please always back yourself up by sending the correct letters recorded, that way you won't get your claim delayed. In post 2 above take time out to read the links especially the Right of Appropriation letter - it will be very helpful to you to stop the bank from taking your money that the state pay in. Just post on this thread if you need help.

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Welcome to the site.

I am sending you a pm to help you to deal with the bank taking your money.

Try not to worry....you are on the way to turning the tables and getting your money back

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Hello everyone, I'm new and I am in the process of reclaiming my bank charges. Now there's the problem! Some are Overdraft Fees (usually coupled with) an Excess Overdraft Fee (£25 Overdraft fee plus £124 Excess Overdraft fee), even though each statement shows my overdraft limit is £1,000 I've not been anywhere near that limit. And what about Renewal Fee which they take every year in February - is this reclaimable?

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hi thanx for all the help it was the sar i requested i have changed my bank to where my money is paid into but my halifax account is still open an charges still getting higher but at least i can actually spend some money on my daughter instead of the bank getting it it feels funny having money in my pocket cos i got used to having nothing x i will keep you all informed thanx again your all a big help xxxxxxxx:) :) :)

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Good move in opening another account, you are now on your way to getting your charges back, don't forget you can keep adding all the charges up until you file court action.

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  • 4 months later...

hi if you want to reclaim your bank charges i highly reconmend you do it throught the financial ombudsman just call them and log a complaint that you think your bank charges are unfair i have recently done this and got back £7482 in charges without all the hassle of court and there say is final so the bank cant back out and its only taken about 3 mths half the time of going through the courts hope you get it back

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Threads merged and moved to the Halifax forum. I would advise you to use the court system to reclaim your bank charges.






I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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  • 4 months later...

hello... i have joined this forum tonight as a result of two separate charges of £62 for overspending by £9.98 one one occasion and £8.89 on another!

£124 charge for approx. £18 seems more than extravagant?


Also, can i include more than one account on a SAR letter?:mad:

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hi jimjim and welcome to cag and the forum

if you start your own thread herenewthread.gif,then we can answer and questions you may have and also make easier

to keep track of you



A-Z Index








HOW NOT TO CLAIM...Click here!




.please remember that any advice i give is purely my own experience or opinion thankyou

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