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    • 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  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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MBNA beaten, now it`s the Halifax....


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Within the last month I have stated action against the Halifax for bank charges (amount unknown).

I sent the SAR on the 31st March 07 and as yet have heard nothing from them to acknowledge reciept of the request or complaint.

 

I`m hoping that as I had success in reclaiming £2456.00 back from MBNA, this will not be an easy ride, but a slightly more knowledgable journey to getting my money back.

 

Has anyone else dealt with Halifax at this stage? also after reading quite a few threads on HBOS, I am getting the impression they are not very good at "giving a little extra" with customer satisfaction?

 

Love to hear your views.

 

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:)

Halifax: SAR sent 30/03/078)

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Hi,

 

I just won my second claim against HBOS and they ignored everthing I sent them. They then ignored my court return date and court calling date. Got my cash in full plus interest about a week and a half after court calling date, they just paid it into my account without a word. Strange lot. You will just have to wait the 40 days, then send them a Non-Compliance letter.

 

Best wishes.

 

 

Scott.

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

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Thanks for yor post Scott,

 

It amazes me how they operate, I spoke to a friend who is a few months in to his claim with HBOS and he has had nothing back from them at all.

With MBNA, they did at least acknowledge the complaint and once they had made an initial goodwill gesture, they were fairly open and were also trying to open communications with me to resolve matters.

Did you only correspond by mail ? or did you try to hasten things along with telephone calls ?

 

Liney, not a shiney

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I cant work out what they are doing, I've been going through my halifax claim since feb, at court action now and i get a random phone call and letter offering the full amount???????? I told them i at least want the full amount plus court fee, the lady said ok thanks and hung up?????? Now they are going to have to pay the 8% too.....madness!!!!!

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Hi Hugh,

Thanks for that, it does look like a one way thing with the halifax. I am just wondering if they ever sent you a copy of their commitment to customer leaflet which I belive is available in most branches? I am going to my local branch in a bit and will pick one up just to see what services they claim to offer, with regards to a complaint.

 

 

Liney, not a shiney

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Hi, Balloon1435.

 

All my stuff was done by post, never phoned them once. Some people say it's better to do everthing by post as you then have something to prove what they have been telling you. Others have phoned and got their cash, no problem. It seems to work both ways.

 

Regards.

 

Scott.

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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Hi Scott,

 

Thanks for that info, I am a firm believer in postal communication with the banks, as you said at least you have proof. With MBNA they were quite eager to communicate over the phone, some of the advisors were trying to negotiate a lower accepted offer but always seemed to come unstuck when you play hardball with them or quote legitimate regulations to them. One of the MBNA crew actually asked me if I was a lawyer! He was quite shocked when I informed him that I had wrote to my MP and got a letter back from the Attorney General and The Treasury (Ed Balls MP) shortly after he terminated the conversation...

I will stick to mailing for the time being, I`m sure time will tell.

 

Thanks for taking the time to reply

 

Liney, not a shiney

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  • 3 weeks later...

Hi there everyone,

 

I submitted my DPA to the Halifax (recorded delivery) 42 days ago now, and believe it or not "NOTHING" from their customer service-complaints department-support staff or the cleaner come to that!

To be honest I didn`t really expect much more as the general feeling from the CAG forums is that they are useless. Just to give them the benefit I will wait until the postie cycles past in about 1 hour before sending the Non-Compliance letter which is already to send (recorded delivery) of course.

 

Does anyone out there feel that a further letter of complaint to the upper management would be worth while, highlighting poor customer service with respect to the DPA response times? I`m sure it`s something he already knows but hey, can they live in denial for ever?

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07:cool:

Halifax: Non Compliance Letter sending 11/05/07:cool:

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Postie went bye my house today.

Non Compliance Letter sent this afternoon.

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07:cool:

Halifax: Non Compliance Letter sent 11/05/07:mad:

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  • 2 weeks later...

Still heard nothing from the Halifax.

 

Can anyone advise me what is the best course of action with these clowns?

 

I really want to take the militant approach with them as they are being plain ignorant.

 

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07:cool:

Halifax: Non Compliance Letter sent 11/05/07:evil:

Halifax: :mad: :mad:

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Try giving them a quick ring, this can some times work.

 

If not then you can file at the county court. It will cost roughly £63, but you can claim this back, and if you are on benefits, you will be exempt.

 

Here are the forms you will need...

 

N1..

http://www.hmcourts-service.gov.uk/courtfinder/forms/n1_0102.pdf

 

Poc..

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

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HOW TO...DUMMIES GUIDE TO CAG...Read here

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F&Q's... Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Sea-sidelady,

Thank you very much for the advice, I dont suppose you have a good contact number for Halifax? (correct department) Looking through the threads there seems to be loads! and you appear to be a well oiled machine with Halifax, looking at your success.

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07:cool:

Halifax: Non Compliance Letter sent 11/05/07:evil:

Halifax: :evil: :evil:

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Like you say there are plenty of numbers around.

 

Try these...

 

08457253519

08456037923

 

Can you let me know if they are ok. ;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Thanks again,

I will try later on today if I get a chance.

 

Could not help but notice that all the phone numbers are at a price, just another stealthy way of banks making money. What ever happened to free banking?

 

Will report back if I have any success...or if I don`t !!!

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07:cool:

Halifax: Non Compliance Letter sent 11/05/07:evil:

Halifax: :evil: :evil:

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0845604700 This is one that has been used today sucsessfully.

 

There will be some that are under the" say no to 0870" but i cant find them at the minute.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Lol, its ok i have added it in the stickys, and altered it.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi all,

 

Received a letter from the Halifax this morning (Data Subject Access Request Team) Something like this:

 

Dear ******* ****

Further to your letter of **/**/** I am pleased to enclose the information you requested. I hope this has provided you with the details you require.

Details of how we make use of your personal information can be found at Halifax - Privacy. the registered data protection notification details can be found at ICO – Information Commissioner's Office. If you have any difficulties accessing either of these pieces of information please let me know and I will be happy to forward you a printed copy of either document.

 

Yours sincerely

 

A Baffoon

[end]

 

Unfortunately they only sent me an additional sheet of paper with a list of charges (undefined) going back to 2004. I have just checked my first letter (DPA) and it clearly stated 6 years. What an absolute cop-out...

I`m so glad I sent the Non Compliance Letter.

 

Watch out Halifax, this is one P****D OFF customer who will not go away.

 

Sorry, Ranting and Raving over. The letter highlights £870 of charges, do I persue that now then chase the rest when I get the full DPA request? I know for a fact I had charges before 2004.

As the 7 days allowed under the Non Compliance Letter are up, I`m not sure what is the best way forward?

 

 

 

 

 

Liney, not a shiney

 

 

MBNA £2456.00 Recovered in full:-)

Halifax: S.A.R - (Subject Access Request) sent 30/03/07:cool:

Halifax: Non Compliance Letter sent 11/05/07:evil:

Halifax: Pathetic Letter received 26/05/07:eek:

Halifax: :evil: :evil:

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  • 1 year later...

Hi all,

 

After a year from starting the battle with Halifax and dare I say it " waiting for the test case"

 

Sent the LBA,

 

N1 prepared,

 

1st July N1 goes in to County Court.

 

I know a lot of water has gone under the bridge and more and more cases are on hold with the court, but that patronizing letter Halifax sent me last week done nothing more that force my hand to go to court.

 

 

I do have one question; looking at the court fees, am I correct in thinking that £85 is the right figure for a claim in excess of £1500 but less than £3000?

 

balloon1435

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Thanks Tilly,

 

I had to search hard as a couple of the links I found were very confusing, they went in to quite some depth about what the claim was about and the cost did vary quite a bit.

 

I`m sure this claim will be held almost immediately in stay, but I remember reading somewhere that the court in which I will be serving the N1 (Lincoln) the magistrates are less than impressed at the banks approach to these claims and the flipant no-shows!

 

Has any one heard anything like this?

 

I`m just about to serve another SAR on Halifax for my better half :lol:

 

 

balloon

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Hi, just read your thread aobut action against HBOS. I won back £1,876 last year & admit to being a bit upset that they didn`t put up more of a fight! I notice also that you took action against MBNA. I am about to do the same on 2 of my accounts with them. Any advice?

 

Thanks

Al

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Hi aliboy,

 

Going by how easy Halifax were with you, MBNA were not too much trouble. I followed a strict timeline which they were rubbish at keeping on-line with, they kept trying to call negotiate a lower price but I stuck to my guns and they settled the full amount plus interest. Going against the grain slightly I did have to call to speak to a customer advocate officer at the final hurdle, he actually sorted the "goodwill" payments out. It might be worth the odd phone call from you after you have identified the amount plus interest.

 

First thing, Have you submitted your SAR?

 

balloon1435

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