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    • They didn't turn up because they knew they would lose so they saved the cost of sending a brief saving them a couple of hundred pounds at least. But still a big relief for you now that it's all over . So congratulations plus you can enjoy your trip that much more. 
    • I will try again...................... Even at my age there is quite clearly a PCN envelope by the windscreen wipers on your car on some of the photos.  But as I said in the IPC letter, that is not the dispute. The dispute is that CPM sent you the second PCN on the 28 th day of the issue date of the first PCN. It should not have been sent until the day AFTER the original PCN was issued. Therefore they broke the Act, they breached the IPC Code of Conduct and their agreement with the DVLA. It is something that the IPC cannot ignore since to do so will bring the ICO down on them and the DVLA should ban CPM from getting data from them once they know if the ICO do nothing. The minimum I expect is that your PCN will be cancelled. But it is up to you. I have given you the details, you have copies of both PCNs sent to you on the sar  with all  the relevant dates. 
    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
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kevin v abbey


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S.A.R - (Subject Access Request) REQUEST SENT - 12th MARCH 2007

non compliance REPORTED TO Information Commissioner - 30TH APRIL 2007

FINALLY ALL INFO RECEIVED - 3RD MAY 2007

POSTED PRELIMINARY APPROACH LETTER - 14TH MAY 2007

POSTED LETTER BEFORE ACTION - 31ST MAY 2007

TOOK N1 FORM TO MY LOCAL COURT - 20TH JUNE 2007

 

 

 

 

good luck to you all!!

...heres me so far...

 

ABBEY received request for last 6 years statements on 12th March

On day 25 (3rd April) i received a letter saying that last 14 months statements would be sent under seperate cover. and info prior to this is archived and will be sent at later stage.

received my 14 months statement a few days later.

 

...mmm....when would i receive the rest i wondered?

 

sent letter reminding them that i require all info within 40 days.

 

on day 42 (monday april 23rd) received 2 year spreadsheet listing all charges for that period. OK THEN...thats 3 years info so far!!..

 

sent letter to abbey from the template library to remind them that they have not complied and have 7 days.

7 days later ....nothing..............

monday 30th April (DAY 47) REPORTED ABBEY TO THE INFORMATION COMMISSIONER ONLINE and posted letter telling Abbey what i had done and that i will start a court proceeding for non compliance in 7 days time.

I also returned the £10 cheque that they wanted to refund me. Probably didnt need to do that, but who knows... an acceptance of the refund may be seen as an acceptance of the delay....(which i dont accept)

 

 

.....received all information TODAY 3rd MAY.

 

NOW to sort through the info, collate charges and start the serious stuff.

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not forgeting the CCI;)

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Hi Kevin :) , May I suggest you scrutinise the spreadsheet too? Mine had quite a lot of charges for cleared transactions over the 2 year period, but not one for going into an unauthorised overdraft. I've written back and requested microfiche copies or duplicate statements for that period, because to me, that seems a bit odd. Best of luck, Dizzy.

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hi. thanks for advice.

luckily for me, i have the original bank statements covering the period of the spreadsheet.

I have now gone through them all and can say that all the charges are correct (that surprised me).

i do have unauthorised overdraft fees on the statement and they are correct also.

good luck.

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Used spreadsheet (excel) to calculate charges. £4458.50.

Didnt bother with interest that i have been charged by Abbey for each penalty charge because Info supplied for past 6 years doesnt really give you all the details that you need to be 100% sure of calculation. ie. account balance at time . was it charged at unauth overdraft rate or just overdraft rate. What was the rate of interest for my overdraft?I know 28.7% is unauth overdraft rate but has it always been this?.....dont have these answers so will proceed to reclaim all my charges. If it goes to court then i think adding 8% will make me smile...Infact it already has, the excel doc works that out for you.

 

SENDING PRELIM LETTER WITH STATEMENT OF CHARGES TOMORROW 14/05/07

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I couldn't understand the interest bit either and to be honest would have been happy with the charges, but Abbey let it go to court and so the 8% was added!

As you say, this makes you smile ~ it'll make you smile more if you think of it as a savings account!

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  • 3 weeks later...

14 days are up. posting LBA today 31st MAY 2007. included threat of OFT complaint as I have done it when they did not comply with the Data Protection Act. So will definately do it if (?..ahem....when) they do not comply again.

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  • 3 weeks later...

Filled out N1 form

http://www.hmcourts-service.gov.uk/c...ms/n1_0102.pdf

and will be taking to court tomorrow. 20th june 2007. claim is £4458.50 plus 1398.44 interest and is accumulating 98p per day.

fees will be £250.

reading forum for other cases now and doing my homework.

...there are some inspirational stories out there.

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