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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.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
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Northern Ireland Banks


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Can anyone tell me if all this legal stuff applies to banks in Northern Ireland, as all references that I have found relate to England/Wales or Scotland. I beleive that the Royal Bank Of Scotland owns my bank, does that make any difference to any claim if any?

 

Thanks for any help on this matter.

Ulster Bank Claiming £1119 Refusal: we believe our charges are fair!!! :lol:

Starting claim 12/09/06

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yes the most of it does.

Which bank is it?

Data Protection Act sent to Nationwide 19/05/06.

Statements received 24/06/06 - Charged £1,954.50 :eek:

Prelim letter sent to Charles Bacon 27/06/06 :)

Cannot refund letter from Sarah Watson 07/07/06 :rolleyes:

L.B.A. sent to Charles Bacon 18/07/2006 ;)

Claim deemed filed 30/08/2006 8)

* REFUND TIME * 15/09/2006 :p

*£1945.50 + £443.37 interest + £62.00 Court fees*

** DONATION MADE **

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Yep thats the one, THE ULSTER BANK, with their fab new adverts about not charging, lol:D. I can be almost certain that at least once a year i will get caught by being over by £2 or sommit, and then their charges come out and leave no money for the direct debits that are due. The next thing you know the company is ringng telling you that their direct debit was return unpaid.

 

So aaronmcl how are they responding to your claim, being awkward as usual?

Ulster Bank Claiming £1119 Refusal: we believe our charges are fair!!! :lol:

Starting claim 12/09/06

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I'm just starting my claim against the Ulster bank which has treated me shamefully over the last couple of years and displayed an arrogance that I have found very distasteful. I had thought that I had no choice but to accept these bullying tactics, but the very thought that there is something that I can do has given me no end of hope!.

Jeremy:)

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I started my refund at the beginning of may with Ulster Bank and guess what - nothing!!!!! I used this letter http://www.govanlc.com/step1_letter.html twice!!!

I have sent them a letter everyday for last week, and they have not had the courtesy to even acknowledge them!

I have another letter drafted to send tommorow, but I am really annoyed that I have had no response - bad bad manners!

I would like to highlight, publicly, Ulster Banks appaling service. I find their telephone bank staff useless, the branch staff patronising and whoever writes those letters in Belfast, really lacking empathy.

I don't feel hopeful about getting my £1100 back, but I find it strangely comforting that I am not the only person suffering at the hands of Ulster Bank.

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i have started a clim in NI against the halifax, but there are others in the other institutions section who are claiming against the NI bank, the local banks in NI are notoriously bad at customer service but keep at them if they haven't replied you start a claim using an estimate as long as you can show some of the charges, ie usually you get charged £10 per month the account has been opened for 7 months therefore you are claiming £70, you also need to stsate the amount claimed is a estimate.

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you wanna try the first trust if you think the ulster is bad the arrogance of my branch manager never ceases to amaze me. mind you when i have my 11k plus 8%interest back i might just be a bit arrogant myself. lol

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Re Northern Bank ::does it matter if i haven't got all my statements to calculate my charges??only a few missing...does it matter if my calculations are different from thiers...???

Also can you tell me if it is lawful for credit card companies to charge me for duplicate statements..?? One was looking £3 per statement ,, for 6 years worth thats a lot on dosh...

 

please help as i am eager to get the letters sent to the people who have my money

 

:cool:

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hi finbar

you can get all the information you need by writing to your banks and ccc,s and ask for a "subject data access request under the data protection act. there are plenty of template letters around you can use. get all your information and count up your charges. you can also claim 8% interest on the charges.

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I have just received my 'get lost ' letter from the Royal Bank of Scotland for my request for £900. Many thanks for the 'govan' letter which I have just typed and will send off today recorded delivery. When I get my refund I will be making you a donation. This is a super site.:) Take if they ignore me I then go to the Small Claims Court ?

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First forgive any errors or omissions as am a complete Newbe and have very little time to read everything (too busy working overtime to keep paying charges)

 

My main account is with the Halifax. Last month I went £24 over my agreed limit for 24 hours. This cost me £60, half of which they refunded as goodwill, but they had removed my name and substituted my Fathers name (he also has an account with them) this happens on a regular basis, last time was the other way around.

 

When ringing the Bank I was told that the only way to sort this out was to go to my branch, this would cost me time off work, transport cost etc; As this is their fault does anyone know or have suggestions as to how I could charge them a referral fee for my manual intervention. (cheeky letter templates appreciated)

 

 

Ta Andy:p

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First forgive any errors or omissions as am a complete Newbe and have very little time to read everything (too busy working overtime to keep paying charges)

 

If you're not prepared to read the FAQs or put in any effort yourself, then you're not going to get your charges back.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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your gettin into something which you would end up wishing you had never started. why dont you stick to doing what we all know we can do and claim back your charges. its been proven to work where as trying to charge them a penalty charge kinda flys in the face of what we all represent.

regards john.

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I have sent of the letter asking for the fees back what I am looking for is not a penalty but redress. This is the third time they have changed the ownership of one of my accounts. On the previous two occasions after trying unsuccessfully to sort it over the phone I had to take two mornings off work, car parking charges etc:

I can justify my costs not like them.

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After getting my £670 "gesture of goodwill", Ulster Bank went on to charge me for £30 for being overdrawn for May - on the same day!!!!!!!:eek:

 

I blew a quiet, but effective fuse, and have now sent another letter asking for the rest of my charges!!!! I have used this letter.

http://www.govanlc.com/step_2_letter.doc

 

I have adapted it for me, but I am hoping this one will put the wind of god up them!!!!

 

Wish me luck!!

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After getting my £670 "gesture of goodwill", Ulster Bank went on to charge me for £30 for being overdrawn for May - on the same day!!!!!!!:eek:

 

I blew a quiet, but effective fuse, and have now sent another letter asking for the rest of my charges!!!! I have used this letter.

http://www.govanlc.com/step_2_letter.doc

 

I have adapted it for me, but I am hoping this one will put the wind of god up them!!!!

 

Wish me luck!!

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Have been reading site now and a going to open a new bank account on Monday. Then im sending off my DPA to the ever so helpful Ulster Bank!! Have been charged to the hilt for years and am looking forward to getting stuck in to them!! If anyone has any info regarding how small claims work in N Ireland (bar the £2000 limit it) it would be good to know. Thanks and good luck!

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