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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Nationwide Building Society has launched an 18 month fixed-rate account paying 5.5%.View the full article
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
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Disapearing transactions - Clydesdale Bank


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Hello all

 

I have been having a nightmare with the Clydesdale Bank for years over charges. I am a freelance writer and when i knew money was going to be late going in and charges would be occuring i took their letter of "please contact us and we will try and help" at face value. When i went to the bank no one could see me for three weeks and someone said they would call the next day-of course no one did. Eventually my bank charges hit the £200 mark and after sending a letter they said because of their bad service they would give me £50 back. I refused this and asked for a full refund and am still waiting 8 weeks later, a letter arrived a few days ago saying it would be another 4 weeks, due to their heavy workload, before they can get back to me, amking a total of three months. Now i am going for my last six years worth of charges.

Now comes the strange incident of the disappearing transactions..for the last two payments placed into my bank they have both disappeared for a few days before reappearing. I can tell when they go into the bank account by checking on my online account and telebanking- but then for some reason the transactions completely disappear as if they were never there. I went to the Clydesdale to complain and they basically said as there were no records of the transactions appearing there was nothing i could do. They waffled on about phantom transactions where the computer looks and sees if there is any money there..they basically did not have a clue what was happening..the next day the money then reapeared in my account backdated to the day it actually went in. This has now happend 3 times..both with money going in and money going out. Has this happened to anyone else..is this normal..the bank of course have never got back to me to say what the problems is.

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Nope never heard of it but if you have transaction slips showing it in then out then in again i would imagine they would need to explain why.

 

Start a thread in here

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/

 

Spend what time you have reading up, start in here.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

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Guest NATTIE

a phantom transaction or ghost transaction can happen when you are paying for goods with a card and the retailer do a ghost transaction to make sure the funds are there. They do not then go onto to a full authorisation for a few days which means the transaction disappears only to suddenly reappear a few days later. It is a complicated explanation and i can appreciate that it is incredibly annoying to say the least.

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Hi Natalie

 

Thanks for that. I can appreciate this happening if it is going out say by a maestro debit but would this also occur with wages going in..the bank tried blaming it on paypal the first time but i have received money from paypal for almost two years and it has never happened before..it just seemed slightly strange that this has started occuring now...but maybe just paranoia..i dont understand why wages would go in and i could take money out and then the whole transaction disappears as if it never existed..

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Guest NATTIE

The name is nattie(male not female). I thought natwestaffmember was a handful!! I lose my gonads with this one;)

 

I have seen that happen before at work so i will have a think on that one. I do remember that morning entries on account USED to be called provisional entries because they could be recalled but I am fairly certain that a recall would have that entry on it as well as the original.

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