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    • How does one obtain the permit? The permit team number is only open between the hours of 9am to 3pm Mon - Fri. It says on the website, To obtain an additional 2 hours, the driver must pay a tariff of £3.00 + booking fees in person at our Security Hut, is that how you get the permit also, from the security hut? What a rigmaroll that would be but maybe just another step to take to try and catch people out?
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    • The argument about the date of receipt is now dead because the PCN  does not comply with the wording  of the Protection of Freedoms Act 2012 Schedule 4.  First reason Section 9 [2] [e]  "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—(i)to pay the unpaid parking charges;" Second Reason Section 9 [2][a] "specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;" All your PCN does is mark the time you entered and left the car park. It does not include all the myriad things you do in between-driving into the car park, looking for a parking space-perhaps a disabled space or  parent and Child place@ getting the children or disabled person out of the car then going shopping. Coming back; loading the car with shopping [, getting the children or disabled into the car, taking the trolley back to the store; driving to the exit perhaps stopping to let vehicles/pedestrians cross in front of you etc. so subtracting the driving times from before and after parking can make quite a difference from their time to the actual period parking time. So the upshot is now that only the driver is responsible for paying the PCN and the keeper is not liable at all even if the name of the driver is never known by Nexus so well done for not appealing. You obviously want to keep it that way to make it very difficult for them to win in Court if it ever goes that far. Although your question is now moot since  the same objective has been achieved by the non compliant PCN [ie no keeper liability] just  about the only way to dispute the timing of the PCN would be if one kept the envelope and there was a discernible date stamp on it that did not match the date on the PCN. There is a new Act coming out [and it cannot come quickly enough ] and one of the things required is that parking companies will have to prove the date of sending out their PCNs. We are not the only ones who sometimes doubt the veracity of their dates particularly as the later it is sent [unlawfully] the shorter the period motorists have to benefit [?] from the reduced payment. I haven't seen it on your posts but do you know how long you are permitted to park for free?
    • I was so annoyed and frustrated about the fact this case was lost it's been floating around my head all night. Dave962, are you sure that's what the Judge said? .... It doesn't make sense. Did the judge in fact dismiss the case on the grounds that the defendant did not make an appeal within 28 days? Effectively telling the PPC about the error entering the registration number and providing proof of payment at that time? To me, that's an important point.  
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Me vs. HBOS & Barclay Card - Please help!


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Hey all, well today I typed out my letters, highlighted my charges on my statements and sent out my claim letters to Barclaycard, HBOS for two credit cards and my student Bank of Scotland account.

 

I have just been made redundant and wasn't paid a months worth of wages making me 400 over my overdraft limit. Will the bank use this as annunition against my claim of around 800 pounds for charges?

 

These are a break down of my claims

 

Bank of Scotland Student Account

Claim for 684 GBP

 

Bank of Scotland One Credit Card

Claim for 175

 

Halifax Cancer Research Credit Card

Claim for 225

 

Barclay Card Student Credit Card

Claim for 140

 

 

I typed my own letter and added that I had decided not claim against the 12 GBP charges but all the others seeing as the banks did reduce the charges.

 

These are my questions :-)

 

- Are Bank of Scotland more likely to say no to my claim because of the state of my account, or does the same principle of them ripping me off apply (I have an arrangement with bank retail collections with payment)

 

- My two credit card accounts are now paid off and closed at my request, will this affect my chances of claiming.

 

Thanks in advance for all your help

 

William

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First of all why arnt you claiming ALL your charges? Why leave the £12 charges off. They are charges as much as the rest are. You should be claiming them all.

 

All the letters on theis site are well tried and tested there is no need to work out others. Also they cant say no because an account is closed or you have gone over your overdraft.

 

All that will happen is when you win and get paid, it will clear the overdraft.

 

Here is a link to all the letters you will need..

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Thanks sea-sidelady,

 

I have used a template and asked for all charges, just have to wait now. I noticed you have been successful with Barclays and Halifax (samem banks I'm claiming from)

 

How long did it take for you to get your charges refunded? I've just been made redundant and I'm over my limit and hoping to get it cleared a.s.a.p, am I best just forgetting about it till I receive a letter?

 

Hope you can help :-)

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Barclays settled after the lba. So that took 4 weeks once we had the statements.

 

Halifax was longer as i had to file at court both times, but won by default and there was also a huge backlog at my local court.

 

Barclays are really playing up at sending out the statements though so be prepaired.

 

Its worth having a read of a few threads so you can see how things are going at the moment.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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