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    • So I just found a couple abandoned traffic cones locally by some bins.   A bit squished but free!  So have placed them on the land.  Will wait to see if the cones get moved and signs ignored again this week before I consider rocks/ boulders.
    • 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 the 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. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before 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
    • Hi  no nothing yet. Hope it stays that way 😬
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cmdenny vs Halifax Credit card. Settlement Accepted.


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Hi,

 

I have read on many threads about letters to get fees back from Halifax (and other a/c). Can anyone please provide me with a template letter - (I have tried to find on on the forum or on the "resources" section of website).

 

I hope to appeal against my 2 current accounts and credit cards, unfortunately the fines could number a couple of hundred for each a/c (got into trouble whilst at uni).

 

Your advise and help is really appreciated.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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Hi - I tried to type DPA into FAQS and got nowhere.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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Have a look in the librairy,all template letters are in there.

 

Have a good look and read around the site,most information is available.

  • Confused 1

DPA Letter sent 28 Feb

  • Statements Received 24 Mar
  • Prelim sent 24 Mar
  • LBA sent 12 Apr
  • MCOL 26 Apr
  • Acknowledged 3 May
  • Coming soon:

£2810 inc int. Halifax. Done and Dusted 16/05/06

Dont forget to donate

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http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?s=&daysprune=&f=33

this link should take you to the templates section (I hope!)

Good luck!

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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remember to log-into the forum before searching as a few threads/sections will just appear blank if you don't log in :)

16/04/06 Been thinking about action for a couple of weeks & decided to take the plunge! DPA request Sent Via email

18/04/06 DPA request handed into local branch, fee paid £5 - Reciept obtained

20/04/06 After emailing/faxing 3 times a day, phone call to say the statements have been ordered

26/04/06 Letter received with list of charges and refund of £5

27/04/06 Statements for 1st account received Parachute Deployed

29/04/06 Statements for 2nd account Received, Request for repayment sent £1446.55

04/05/06 Standard reply with complaints leaflet received.

08/05/06 Conditional offer received

 

View my progress

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Sent DPA Request to Halifax, Lloyds and Hsbc yesterday: 4th May.

 

Lets see how much progress I make. I will also be filling against Egg and Barclaycard in the next week.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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I sent a DPA earlier this month.

 

Hadnt got fined by Halifax for a while (mainly in student daysand imediate aftermath) as I have been trying to be good with my finances.

 

This month however I got fined £39 for a cheque to my barclaycard bouncing! Im going to write a letter to my local branch and hope to get a refund that way- and if that doesnt solicit correct reply I will no doubt have to add it on to any reply I get from the DPA.

 

This £39 fine has really fired me up, and when I go though with the claims process will make me less likely to bow out early!:mad:

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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Friday 12th I got a letter from Halifax Card Services, Pitreavie Busn. Park Dunfermeline. I repeat in full (typed not scanned):

 

"10th May

Dear Mr Denny,

Our Reference : *******

 

Thank you for your recent enquiry about the late payment chareges on your account and I am sorry you have found cause for complaint.

 

We have received the details of the OFT findings and are studying those findsings closely, assesing the impact this has on all of our customers.

 

There is no change to our current fee refund policy and we do not expect to make any announcements before the 31st May.

 

Although this may not be the response for which you had hoped, I trust my response clairifies our position. please refer to the Complaints Leaflet previously sent, which details your choices and confirms our affiliaton to the Financial Ombudsman Service. If I do not hear from you within eight weeks I will cloce my file

 

Yours Sincerely

 

Gemma McConnachie"

 

 

What shall I do? I anticipate responding and saying they still have 40 days - she has totally ignored my appeal for the statements under the DPA.

 

The first letter that I sent was the standard template from the files, though i did not include a cheque for ten punds - editing it to say they could debit that from my A/c. With my reply I will put in the cheque.

 

Should I reply to the same Lady, or should I address it to "whom it may concern" - if it goes to one person potentially could they worm out of the 40day time frame by arguing that the person wasnt around

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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Today I called Gemma M, the lady from the letter - she blurted out, "we will get the statement sent to you and also a settlement offer" - this was the first time I had called them.

 

however Halifax internal systems of call centres/offices must be muddled as she was under the impression I was requesting for credit card fees - I told her this was not the case.

 

I have taken the oportunity to put the gist of above in a written request to her as I want a papertrail - I will be sending this tommorow.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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  • 2 weeks later...

I havn't been provided with any-statements yet but Halifax have offered me £330!

 

I called the person up and said I want the statements before considering any offer. They returned the £10 dpa cheque that I sent.

 

I am not sure whether to repond in letter as well, so that I have a papertrail. Does anyone havea suitable template Please?

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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Today I was offered by them £330 which is a full refund for every charge. I have accepted and am now carrying on to pursue claim against the Hfax current a/c (made sure the acceptence form stipulated it only related to the credit card). I let them off the interest as its not much, and I think the offer is fair enough.

 

I had a minimum of fuss in getting this. There was some initial provarication where they ignored the request for statements and sent some customer services gumpff through - but I got what I wanted from 2 telephone calls and a further 3 telephone calls.

 

Happy Days.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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Congratulations!

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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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

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