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    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
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woodwa5 v abbaey and others


woodwa5
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Hi everyone,

 

I thought i would start writing as i am at the beginning of this journey.I have started with a claim against the Abbey but am owed thousands by Nat West and credit card companies.

 

So far I have sent the Standard data request asking for the last 6 years of statements from the Abbey. I eventually got all the statements up to the point where they started levying charges on my account (Jan 2004). I have now sent them an LBA stating that they should send the remainder within the next 7 days or face court action.

 

About 2 years ago they started levying charges onto my account to the extent that I was overdrawn by £4500 and they put me on their debt management plan. Since then I have had to pay them £250 per month off the overdraft and I am now down to £450. They have taken away my checkbook and also my visa debit card and will only let me have a visa electron. Due to all these problems I couldn't pay my mortgage and my house was eventually repossessed.

 

I have managed to sort myself out now and really want this money back. I don't know how much they owe me in charges but at one stage they were taking more than £1000 per month off me.

 

Will appreciate any help and advice from everyone out there,

 

Regards,

 

Woodwa5

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  • 2 weeks later...
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Hi,

 

I still haven't received any statements from January 2004 onwards. These are the statements with all of the charges on them as the pre-2004 statements are clear. I have sent them a letter threatening legal action and chased them up on the phone twice, what do i do next?:cool:

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Hi poohbear,

 

It's about 76 days and counting now. I threatened court action about 2 weeks ago. I sent an e-mail as suggested yesterday stating they have 7 days and this is their final warning and they returned saying they will re-request,

 

Regards,

 

Woodwa5

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Hi,

 

It's now comming up to the 90 day mark and despite 3 letters, 3 phone calls and 2 e-mails i still haven't received anywhere near all of the statements (missing 3.5 years). I am going to have to take enforcement action now. Does anybody know what the form I need from the court is called,

 

Woodwa5:mad:

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  • 3 weeks later...

Well,

 

3 and a half months after sending the original requests I have received a spreadsheet summarising the charges from the missing 2 and a half years statements. At least i can now start to put together the first request for charges back. I think I will still try and get the missing statements although the spreadsheet is very useful.......watch this space,

 

Woodwa5

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Hi everyone,

 

Well I have done my spreadsheet and the amount of charges they have taken off me since 25/04/2004 is £5160.00. I have not counted the £20 for every time they say I have gone into an unauthorised overdraft, do I include this? Also I have not included the 8% yet as I believe i don't do this untill court. I will send this as soon as i have an answer on the unauthorised overdraft fee question,

 

Woodwa5:D

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I have added the unauthorised overdraft fees now and I think that I am ready for my preliminary request. One more question, how do I calculate the overdraft interest that they have charged me? Looking at the prelim letter in the library I include this at this stage,

 

Woodwa5:rolleyes:

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Well, I got a letter from the shabbey today saying that they are sorry that i've felt the need to make a complaint and they will write to me in four weeks time to tell me how it's going. They seem to be trying to encourage me to go through their complaints system (which i obviously won't do). Phoned them up and said they have the orginal 14 days before I issue an LBA. The woman on the phone was very polite and i'm sure gets this every 5 minutes............we'll see what happens next:cool:

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  • 2 weeks later...

Well it's 14 days.

 

I would like to send the crabbey an e-mail to give them the opportunity to cough up today or I will start adding 8% and costs to the claim. It probably won't work but does anybody have a suitable e-mail address,

 

Woodwa5:cool:

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Hi poohbear and thanks for your reply. I'm pretty sure it is still the small claims track until it gets over about £15000. It's a little more expensive on the court fees front but I will be claiming those back from the abbey. It will be great if we go through this together.

 

Kind regards,

 

Woodwa5:)

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  • 2 weeks later...

I got another letter from Pam f*****g Speed this morning saying sorry for the missing statements (about 18 months) and sending me the bloody spreadsheet again. I am beginning to lose my sense of humour now. Do I really need those missing statements or will the spreadsheet suffice? I have already sent the LBA and intend to proceed next week if they don't reply to my request,

 

A very angry,

 

Woodwa5:mad:

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Thanks Poohbear,

 

I don't usually let it affect me and i'm over it now. I have started another action against Natwest and they managed to send me all 6 years worth of statements in 2 weeks despite the fact my account was closed 2 years ago (a shame shabbey r not as efficient). I can't believe they had the cheek to offer you £330, you do right not to accept that and I really hope that it is a good sign.

 

The Abbey have 'till next Wednesday to settle with me before I put in my N1. I will probably make a start on that over the weekend,

 

a much more chilled,

 

Woodwa5:cool:

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I am making a start on my n1 in preparation for next Wednesday and have 2 quick questions:

 

1) How do i calculate the overdraft interest?

2) On the N1 you put the further interest in pence per day, how do you claculate that?

 

Woodwa5:confused:

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As you can probably tell by all the questions I am currently completing my n1. I am using the template in the library and am stuck.

Where you enter all of the interest at 8% what do I put in the red space where it says "date where the money became owed to you" as the date for each of the charges is different. Is it the date I made my prelim or is it the total of all of my charges interest at 8%. Also how do i calculate the daily interest?

 

:confused: Woodwa5

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Well I got a letter in the post from the Abbey this morning. It was from Richard HARRIS who is allegedly head of complaints. He states that 'their research is taking longer than expected' and that 'my complaint is very important to them'

 

CHEERS FOR THAT DICK!!!

 

I think i would have more respect for them if they just didn't bother waisting the postage and sent nothing......oh well N1 next Wednesday then......joy

 

a mischievious

 

Woodwa5:p

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Good luck to your sister, i'm sure she'll be fine.

 

Thanks for posting, I will be filing my N1 in court tommorow unless I receive an offer for the full amount before about 10 am. I have no intention of contacting them before hand as I am going to show them how serious i am. They will soon realise that i won't accept 1p less than the full amount,

 

a focused,

 

Woodwa5:p

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Hello,

 

got a bit bored so decided to send this e-mail. I am under no illusions that they will actually respond to it:

 

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

 

Dear sir/madam,

 

Thank you for your letter dated 18th July 2007 stating that you require more time to investigate my complaint. As you are aware I am asking you to refund to me the charges which you have levied from my account over the last 3.5 years.

I calculate that you have taken £5340.00 I am attaching a copy of the schedule of the charges which I am claiming. You will note that this schedule of charges also includes the 8% interest applied to the charges that I am claiming in the amount of £820.65. This interest will become due if i am forced to progress this matter to a claim at County Court together with court costs of £250. If you respond to me by 1200 pm tommorow (25th July 2007), with an indication that you are willing to enter into a dialogue with regard to the payment of the amount owing, I am willing to suspend court action.

I also note that you have failed to comply with my request that you forward within the mentioned time scale, a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These were requested under CPR Pre-Action Protocol 4.6©, and failure to provide them will be brought to the attention of the court, should it be necessary to commence a county court action,

As you can see from the above I am more than prepared to proceed at court if necessary, however by acting now, we will be saving the already clogged court system from another claim and you will save the Abbey over £1000,

Yours Faithfully,

woodwa5

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Could somebody just run through this and let me know if it's ok before i send it;)

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