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    • There are huge numbers of public sector employees using their own vehicles for work purposes.   The employers are not quick in offering to provide a works vehicle to use and instead ask their staff whether they have a suitable vehicle which they will pay the mileage expenses for.     At some point in the last year or so, there must have been an accident event involving an employee using their vehicle for work, where they did not have the correct Insurance.  Earlier this year Government departments issued instructions for line managers to check driving licences, Insurance documents, MOT certs, before they allowed anyone to use their own vehicles for work purposes.  There has always been a preference for staff to use public transport or to hire a vehicle.        
    • you've not dobbed yourself in as the driver so IMHO go radio silent now.   i have removed the link and external appeal letter text.   next even if outside of scotland do not ever appeal   DX    
    • So you decided to sell your estate car (which was perfectly suited to your personal/domestic circumstances) and replaced it with first a van and then a 4x4 to allow you to use your own vehicle for work?   Why did you never tell them to supply a works vehicle?  Why did you never tell them that it would no longer be possible for you to carry out your duties if they did not supply a suitable works vehicle?  If you work for a local authority I can't believe that they would not have supplied a vehicle if you'd just asked for one.  That's what you should have done before buying a van!   As others have said, I can't see that you are entitled to any legal remedy for a decision you made yourself.  But as someone else has said, nothing to stop you asking...
    • As dx says, being in Scotland gives you a great advantage.   When you wrote you'd appealed I feared you'd thrown that advantage away, as generally in an appeal motorists out themselves as the driver - but you didn't!   How did you pay for the items you bought?
    • Hi thanks a lot for answering! Here are my answers:   It is a PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   1 Date of the infringement 12/09/2021   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 17/09/2021   3 Date received 24/09/2021   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes   5 Is there any photographic evidence of the event? There is a photo of my registration plate on entry and exit.   6 Have you appealed? [Y/N?] post up your appeal] Yes. I used a template shared on this page:      ction on Pre-Action Conduct then I will make a formal complaint to the DVLA Data Sharinuthority to disclose or refer this letter or any other   communication from me to any other person or organisation.   Have you had a response? [Y/N?] post it up Yes:   Having carefully considered the evidence provided by you we have decided to reject your appeal for the following reasons: The car park is operated by Automatic Number Plate Recognition (ANPR) – cameras capture an image of vehicles entering and leaving the car park and calculate their length of stay. Parking at the above site is limited to 15 minutes. On entry to private land it is the responsibility of the driver to check for signage and ensure that your vehicle has been correctly parked. Your vehicle was parked longer than 15 minutes, therefore the notice was issued correctly and remains payable. vehicles found not adhering to the signage will be issued with a parking charge notice (PCN). Please be advised that there are a number of signs around the car park indicating the restrictions of the site and it is the responsibility of the driver to read them when parking. With regards to the reference to “Pre-Estimate of Loss/breach of consumer contracts 1999.” Please be advised that the Supreme Court has made judgement (04/11/15) that clearly sets out the issue of parking charge notices on private land (law of contract applies) and in particular pre-estimate of loss. The parking charge notice is enforceable on the basis that it protected a legitimate interest when the driver failed to adhere to the terms and conditions and was not extravagant, exorbitant nor unconscionable. The parking charge is not an unenforceable penalty and does not breach the Unfair Terms in Consumer Contracts Regulations 1999. Please make payment of £100.00 by visiting our website at www.eurocarparks.com or use the automated telephone service 0203 553 4559. Alternatively make your cheque payable to Euro Car Parks Limited (to include a £2.50 handling charge for cheque processing) and post to Euro Car Parks Ltd, 30 Dorset Square, London, NW1 6QJ, quoting the PCN number on the reverse of the cheque. This amount is now due and the charge will be held for 14 days to allow time to make the payment. If payment is not received within this time further charges will apply. You have now reached the end of our internal appeals procedure.   You can make an appeal to the Independent Appeals Service, POPLA (Parking on Private Land Appeals) using the unique POPLA Reference code provided above. Please note, should you decide to appeal to POPLA, or if you appeal to POPLA and your appeal is subsequently rejected, the option to pay a discounted amount will NO longer be available and the FULL AMOUNT of the PCN will become due.   Please note - if the ticket was issued in SCOTLAND and or NORTHERN IRELAND, ONLY “THE DRIVER” can appeal to POPLA. If you/the driver decides to appeal to POPLA, you will need to visit the website, www.popla.co.uk, where further details of how to appeal (either online or by downloading the relevant forms) can be found.   If the driver is unable to access the website, please call us for further information on how to obtain the forms. Please ensure that the POPLA Reference Number as noted above is quoted on all correspondence to POPLA. The driver has 28 days from the date of this letter to submit an appeal to POPLA. If the driver appeals to POPLA, we will suspend recovery activity on the PCN.   Appeals may NOT be accepted if payment is made against the Parking Charge Notice, including any appeals logged via POPLA, if applicable.   If you choose to do nothing, we will seek to recover the monies owed to us via debt recovery procedures and may proceed with Court action against you.   By law we are also required to inform you that the Ombudsman Services (www.ombudsmanservices.org/) provides an alternative dispute resolution service that would be competent to deal with your appeal. However, we have not chosen to participate in their alternative dispute resolution services. As such should you wish to appeal then you must do so to POPLA, as explained above.   Yours sincerely   7 Who is the parking company? Euro car parks (ECP)   8. Where exactly [carpark name and town] MFG - BP Petrol Station Glasgow   For either option, does it say which appeals body they operate under. BPA     I attached a copy of the first letter received and a photo of the "final notification letter" I just received. NTK Mr PCE_compressed.pdf
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Nat West Claim - Help Please


judge dredd
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Hi, hope someone can please help me with this query. I made a claim against the NatWest in relation to unfair bank charges in the sum of £1969.32, the good news was they offered settlement of £1785 which they asked me to complete a form and return.

 

I accepted the settlement on one condition, namely that they send their cheque to my husband, which I informed them of on the form and then signed underneath.

 

The bank account held with the NatWest was a business bank account and I was charged for absolutely everything, over the two year business period they charged me in excess of £4500, which included overdraft facility fees and referrals, as well as charges.

 

I was a small business in retail and really could have done with the help, which I did get at a cost. Eventually I closed the business and the bank closed the account.

 

They have now taken it upon themselves to release the claim, against my basis of settlement and pay themselves (into the account they closed!), as they realise I have debts with others, therefore they have treated themselves as a priority creditor.

 

Can I still take this to the County Court, or do I have to accept the settlement payment as technically they have settled but have paid the money into their own account (which was my old business account), or is there any other option available. Appreciate any help and advice. Thanks

 

Judge Dredd:evil: :?

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Hi judge dredd, welcome on board the nat west forum!!

 

Do you have anything in writing to say that the account had been closed by nat west? As the problem with them is that they pretty much always pay into an open account when we reclaim charges from them. But if you have confirmation that the account had been closed, I'm not sure how they could have done this. :-?

 

Another thing, do you still have debts with nat west? As this would explain why the account had been left open. This could be an old overdraft, loan, etc.

 

Post back and let us know a bit more and hopefully you'll get the right advice on this. Hedgey xxx :p

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Hi Hedgey,

 

Thanks for your response, the only correspondence we have is that the account would only accept credits, there has been no letter to inform me that the account is closed, however, during telephone conversations with various departments they have stated that the account is closed. The online banking facility has been withdrawn therfore i can no longer see the account, i do not receive statements.

 

I have an overdraft of £10700 which remains outstanding, hence the account being able to accept credits. I still have the cheque books and paying in books, which have never been requested back. Does this help you?

 

Thanks Judge Dredd

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Hi again Judge Dredd,

 

That's a lot clearer - soz for asking so many questions before!

 

The account won't be fully closed until the outstanding overdraft is cleared. Basically, because you still have this debt with nat west - you'll find that yes - they can and will use the reclaimed bank charges to pay off part of the overdraft.

 

The only positive way to look at this is that at least the debt will be reduced much more quickly than it would have been. Personally, I think it's a bit rotten as their ridiculous penalty charges probably contributed to you having to have the overdraft in the first place. But our ex-bank expert always advised that nat west are in their rights to do this.

 

Because you formally accepted the offer, I doubt that you can still take them to court as any judge may look unfavourably on you doing so if they've offered to refund all charges.

 

Sorry I can't give you a more positive answer - but somebody may correct me if I'm wrong on this. And for what it's worth, from the sounds of it nat west have treated you pretty shabbily in the past and I really do hope you're free and clear of them soon.

 

Best wishes and good luck, hedgey xxxxxx :)

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One last thing - I've sent you a PM. Have a read of it - may be helpful! xxx ;)

Can't find what you're looking for? Please have a look at Michael Browne's

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hi judge

 

If the claim is for £1969 im assuming that the claim is for a private account is that correct as u then state that they charged u £4500 on the business account.............

 

Have u claimed for the bus account??????

 

If not start claiming for it, look at CI as they are probably charging u 29.8% interest ??????

 

Please clarify what is happening and we'll see if we can help further

 

Scott

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Hi Scott

 

Sorry, the claim for £1969 is in relation to the business account, the other charges which make the total up to £4500 are for fees such as overdraft facility Fee and reviewing facility fees, and i did not think that i could claim these fees back so i only put down the charges for exceeding the limit, refused direct debits, returned cheques, etc.

 

Does this help?

 

Judge

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