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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Claiming beyond 6 yrs - important new information!!!


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I've spent hours on this site and would like to say a big "thank u!" to everyone. This site is fabulous!!.....I'm on my way to financial freedom....finally!!

 

I have an old Barclays business account. In regard to business account charges, can one claim back charges such as those for credits and debits to one account, maintenance fee, account control fee (for going overdrawn)?

 

 

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Another question about claiming beyond 6 years. Do you think it will be harder to claim if all charges are older than six years? I have already claimed for charges within 6 year limit just wondering if it would be harder to fight a banks defence if all charges were older than six years wouldn't they just argue the statute limit?

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hi my name is sally, i am in the process of reclaiming bank charges. i sent the bank a letter asking for 6 years of statements and they havent responded. i wrote this letter about just over a month ago. what should i do now?

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hi my name is sally, i am in the process of reclaiming bank charges. i sent the bank a letter asking for 6 years of statements and they havent responded. i wrote this letter about just over a month ago. what should i do now?

 

start a thread under your finacial institution- they have 40 days to produce information.see template letter - check you asked for correct info and sent £10.00 ?

 

read FAQ and libaries and all the threads you can - there are instructions on here on how to proceed .

 

best of luck:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Wow, this is great news ! Beyond 6 yrs claiming sounds like an excellent idea - do we send SAR and ask for charges to go back to the date the account was opened ?? We had am account with Barclays 7or 8 years ago that we had lots of problems with so we opened one with RBOS - who we have just agreed a settlement of £6500. I shall be sending Barclays a letter through in the next couple of days I think !

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Wow what good news this thread is. Banks here I come. Am I correct in assuming that charges on business accounts fall into this category? Apologies if this is a dumb question. Have not started on old business account yet and would require statements back 19 years - would be great.

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You don't need to give them another 40 days. Simply send the non compliance letter for the SAR. They are obliged to send you all info they hold on you under a SAR not just the last 6 yrs. If this is all they have sent they have not fully complied with your original.

 

 

 

Thanks to all for the advice

 

Hi zootscoot, when i asked for my statments i used martins money saving tips template and it did only request six years, so this is my dilemma.

 

Do i have to start all over because of this as they did comply with my request

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If you only requested six years they have complied with your request. Also there is a chance they will not reply to the second as they do not have to comply with second request if it follows shortly after the first. I can't remember off hand what the relevant time period is. If you look in the DPA you will find it.

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its here delphi

 

(3) Where a data controller has previously complied with a request made under section 7 by an individual, the data controller is not obliged to comply with a subsequent identical or similar request under that section by that individual unless a reasonable interval has elapsed between compliance with the previous request and the making of the current request.

(4) In determining for the purposes of subsection (3) whether requests under section 7 are made at reasonable intervals, regard shall be had to the nature of the data, the purpose for which the data are processed and the frequency with which the data are altered.

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I'm sure I read it is a period not less than one month after a previous request...Im looking...

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Whilst looking, I bumped into this link. It is how to trace any old accounts but cannot remember all the details. Online request, snail mail etc, it's all there.

From the British Banking Assosciation.

 

BBA - British Bankers' Association - Dormant accounts

 

P

 

Noomill - sorry it looks like I found the same link. :-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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I am having big trouble with Barclays credit cards getting statement info and I know other people are reading the Barclays thread. I originally asked for 6 years info. After they had gone over the 40 days I got about 2 years info and then telling me the rest was on microfiche and they weren't obliged to send it me but as a matter of good will they would. I wrote and told them they had committed an offence and now wanted all info they held on me. After about 90 days received another 2 years info going back to July 2002 and a statement saying "this is all the info on this account that we hold!" I think this is becoming a general ploy. Any advice on the best way to getting hold of it all? Should i send the destruction of info letter discussed earlier on this thread? Write to the ICO? Take them to Court? All three?!

 

Cheers

 

Halibunny

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Hello everyone,,,,,,,I can't stop reading this......brilliant!

 

I just called Natwest customer services and they told me they wouldn't be able to trace anything without my old (closed account) account number, which I haven't got.........that can't be right, can it? So how would I get that then if they can't give it to me.......it was approx 10 years ago so would that be a problem?

 

Can anybody advise me please? I'm determined to get back what they took from me, was a fortune in charges and they really showed me no mercy whatsoever,,,,,would be so good if I could claim them charges back,,,

 

Hi Wannagethelp

 

Look at the link above - it may help you!

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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If you have a CCJ then it's a good time to have it questioned as they will have ackowledged the charges in the debt even though it may have been over 6 years ago. Example..CCJ against you 5 years ago for debts run up 3 years previous to that.

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does this apply in scotland aswell as i have heard that you can only claim for 5 years in scotland.hopefully it does!i have at present got a sar in on intelligent finance and one in on the bank of scotland.35 days gone and still waiting. do i chase them up or just wait till the 40 days are up?thanksandromeda411

 

 

Well! Yesterday I went into a branch of HBOS in Scotland and requested the pre-6 years' statement - for one a/c going back to 1987. There was a bit of consternation (at first) but the lad processed my request and said he'd let me know the outcome. (He wouldn't accept my £10 - "Just in case," he said.)

 

As for the Scottish £750 limit (Small Claims) asked a couple of postings above - I wouldn't worry too much - there are other routes one can take (I've been advised).

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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On the 5 yr limit, you are actually doing very well.

The Scottish limit runs from the date upon which you should reasonably known about the breach - meaning the unlawfulness of the charges.

There is a long stop of 20 yrs but this is of no relevance to most people

 

Mmmm! "The Long Stop of 20 yrs" - I hesitate to argue against Bankfodder here - especially as a VERY newbie - BUT - It is of MAJOR relevance to me! If my HBOS charges for 2 a/cs over the 6-year period total over £15,000 (without interest) - then what might they be over the 20 year limit?

 

I'm going the whole way! I have requested 20 years' statements from HBOS from one a/c and the pre 2001 statements for the other, going back to the date when it was opened (1990 - I think!).

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Zoot,

2 Questions

a. would the 'reasonable period' rule for second SAR requests be valid since we're talking concealment by the banks, which have lead to this request? and

b. Is there a new template which includes suitable remonstrable wording and case-law which we would be required to quote upon going back 6+ years?

Bye the bye - so very well done to you all in coming up with this 'twist'.

ken

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Im sure that there must be dozens ,if not hundreds of people who are in the middle of getting back their 6 years of charges who..like me will be interested to see any template/letters etc enabling us all to reclaim charges in excess of 6 years.Importantley is the fact that some banks are claiming to only have copy statements for 6 years and not any further,i hope to see on this web site templates etc in tackling this problem ,and also contacting your bank to put in a further claim in excess of 6 years even though you have just got back your 6 years worth

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Guest Battleaxe
I am having big trouble with Barclays credit cards getting statement info and I know other people are reading the Barclays thread. I originally asked for 6 years info. After they had gone over the 40 days I got about 2 years info and then telling me the rest was on microfiche and they weren't obliged to send it me but as a matter of good will they would. I wrote and told them they had committed an offence and now wanted all info they held on me. After about 90 days received another 2 years info going back to July 2002 and a statement saying "this is all the info on this account that we hold!" I think this is becoming a general ploy. Any advice on the best way to getting hold of it all? Should i send the destruction of info letter discussed earlier on this thread? Write to the ICO? Take them to Court? All three?!

 

Cheers

 

Halibunny

 

 

File an N1 for non-compliance, This will focus their hearts and minds

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Thanks BA ;-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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