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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Credit card application


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I've recently discovered my local branch have applied for a credit card for me without my authorisation - i was turned down but is there anything i can do about this fraudulent practise?

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Not that I am disputing what you are saying but it's always a good place to start.....evidence!! How can you prove this??

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I went in to the local branch to pay a cheque in, i was given a cc application form which is still un filled in in my kitchen. A week later i recieved a letter from the cc company saying ' thank you for you application, blah blah blah, unfortunatley you've been turned down.. etc..

So i rang the cc compnay who told me to ring the bank. I did, i eexplained i hadn't applied and they said someone in the bank must have done it and they would investgate who's computer had been used and who was logged in... i'm a bit peeved now as it's on my credit file and i don;t know what to do or if i could sue the bank for data protection?

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Wow! Unbelievable!

 

Well there is certainly plenty you can do I'm sure although I'll leave you in the hands of mr gizmo here.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Well, first point of call would be the branch again. Give them a chance to try a sort the situation out. If they can't, won't or don't give you a satisfactory response the they will "stalemate" your complaint. It then moves to the next stage which is then making an official complaint (the numbers and address for the CRU unit are stickied on the Contacts section in this thread - it's the same place all the charges comlaints go to)

 

The search can be removed from your credit file but it is RBS who need to instruct Experian and the other agencies to do it. They won't have a problem doing this if they accept they were in the wrong. The fact that somebody did this without you knowing is another matter - it would be your call how you want to deal with that side of the complaint.

 

gizmo111 - I think somebody would do this to help them in their credit card sales targets unfortunately. From what I know about RBS branches, through working there in the past and knowing people working there now, it's more about sales than service. RBS aren't alone though, most banks are the same.

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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Well I will offer my two pence worth even though I said I didn't really know.

 

Firstly, when did you make your complaint originally (specific date)? This is relevant for escalating your complaint if they don't respond.

 

I would as superward says continue your complaint with the branch stating what conditions you require in order to resolve your complaint. They will be a) the footprint (footprint is the entry that says they made a search on your file) is removed from your credit file b) the account entry is removed from your credit file c) an explanation is provided as to why this happened and what has been done about it d) some form of compensation is provided (optional and I'm not entirely sure if you are entitled to this but guess it's worth throwing in even if they say no).

 

I would also state that you intend to escalate this to FOS (I think the FOS would be the appropriate place although I would appreciate it if someone could give me their opinion) if they do not resolve this matter promptly.

 

Whatever you do from now on, do it in writing. If everything has been done on the phone previous, reference to it in your letters. IE, following on from our conversation on [the date of your first complaint].

 

Basically, RBS have 8 weeks in which to resolve your complaint before you can escalate this to the FOS. I would however, be looking at what other damage you can do (if you want to). The FSA for starters, maybe the press? There are lots of options available to you, this is really out of order and RBS should get a spanking for it.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Good :D

 

 

I think the press is always the best place for maximum damage.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Update: Having spoke to a solicitor and the police i have been told to push ahead with legal proceedings in this matter as it is classed as fraud in the eyes of the law. I have given the bank ample oppotunity to reply to me and resolve the matter but as they have not a feel obliged to take the matter further.

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