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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Help Needed Please!! No reply too 40 day request for charges


Constak23
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Hi There,

 

Can anyone help me please? I am trying to reclaim my bank charges and my dad's and boyfriends. (I am with Lloyds and they are both with barclays.)

 

I have sent off to the banks £10 postal orders with the letter requesting for all of my statements, but haven't heard anything....However I have just read that you needed to enclose a stamp addressed envelope..which unfortunatly i didn't do...

 

Is there a chase up letter I can send, although i have just read my letter that i sent and it does say that i will be happy to collect from my branch?

 

Any help or advice anyone could give would be greatly recieved!!

 

Thanks x

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Hi, In my opinion and from my own personal experience I dont think a stamped addressed envelope really matters to be honest. Some banks take the £10 and charge whilst others will happily order them over the phone for you or you can order online. My bank didnt bother replying to my first letter even though they banked my cheque. All I did was call them and complain and re-order them stating they had cashed my cheque and 40 days was ample time to order them. They apologised and sent me the statements in dribs and drabs and even though I was 3 months missing I had to call them again and complain again. Eventually that time I got all the statements and they even enclosed a printout for me of all my charges. When you have them all - you can then send the 2nd letter. Good luck !

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Hi there,

 

I am so sorry to keep asking you all questions about these and i have read the FAQ's but i am just a little bit hazy with the 8% interest apr column?

 

This will be my prelim letter back to the back trying to reclaim charges after recieving my statements.

 

On the calculation spreadsheet do i send this with the letter with the & column on it? or do i remove it? but then on the letter it sayes:

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

If i do keep the 8% interest, do i put the total in the paragraph too?

 

I am sorry if these questions are obvious, and frequently asked i have read though but i am a little confused and nervous.

 

Many Thanks for your understanding.

 

:) x

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Thank you! Just my last couple of questions....sorry I know I am a pain...

 

Do you send the letter & spreadsheet recorded delivery? And if so, do you do it to the first address that I sent my DPA letter too?

 

Thank you again in advance.....!:)

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Hi there,

 

I am so sorry to keep asking you all questions about these and i have read the FAQ's but i am just a little bit hazy with the 8% interest apr column?

 

This will be my prelim letter back to the back trying to reclaim charges after recieving my statements.

 

On the calculation spreadsheet do i send this with the letter with the & column on it? or do i remove it? but then on the letter it sayes:

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

If i do keep the 8% interest, do i put the total in the paragraph too?

 

I am sorry if these questions are obvious, and frequently asked i have read though but i am a little confused and nervous.

 

Many Thanks for your understanding.

 

:) x

 

Hi

If you use the complex spreadsheet it calculates how much interest you have been charged on your charges.

This is the figure here, NOT the 8% interst

 

Hope this clears it up for you

 

Paul

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Thank you! Just my last couple of questions....sorry I know I am a pain...

 

Do you send the letter & spreadsheet recorded delivery? And if so, do you do it to the first address that I sent my Data Protection Act letter too?

 

Thank you again in advance.....!:)

 

In My Opionion just use standard delivery and get proof of postage.

It has never failed me.

 

Others may prefer recorded or signed for, but these dont always get there.

 

In the eyes of the court, the letter is deemed to have arrived 2 days after sending by first class

 

Hope this helps, Paul

 

...

"Wisdom Begins In Wonder"

My advice is based on my personal experience and should be taken as such.

If I have helped you, Please click the Scales

Abbey WON - MNBA WON - BARCLAYS WON - HALIFAX(1) WON

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Thanks for replying so quickly! Just to confirm, should I send this to the address where i originally contacted lloyds sending my Data Protection Act letter?

 

Here you go

 

Customer Care

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

Paul

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  • 2 weeks later...

Hi...

 

I am hoping someone will be able to offer me some advice? I am at the stage in claiming back my bank charges when i have sent the first letter with how much it is calculated to be on it..and they have until weds 27th June to answer within the 14 days.

 

But today i have recieved a letter from The customer service recovery centre telling me that: Office of fair trading have published new guidelines and that my account will need a more detailed examination and i need to send £10 for my statements...and they hope i am happy with the way they have dealt with my complaint and it will be closed if i do not answer by the 15.08.07.

 

I am right in thinking to carry on with the next claim request letter, which gives them another 14 days to reply, and if they don't then i complete the small claims forms to take them to court? and that this letter is a stalling attempt and try to confuse me to not take any further action?

 

All replies are greatfully recieved..thank you..and sorry to ask its just this letter has worried me/ confused me a little bit..thanks

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Hi

That is a standard reply from Lloyds, nothing to worry about.

Give them the 14 days from when you sent the Prelim letter, then send the Letter Before Action, give them another 14 days, then start the Court claim.

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 1 month later...

Hi all,

 

So I have been in contact with Lloyds as they have just sent me a letter stating that due to the test case they are suspending all bank charges claims. I will have to wait until after the case and they will contact me then.....Is this the case?

 

It seems so unfair if so, I have applied for my fathers and Boyfriends charges at the same time (back in April/ May) and they are with barclays but they have both within the last few days had an acceptable offer made and paid into their accounts..

 

Any replies or advice is greatfully recieved!!

 

Many Thanks

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Constak23 - Lloyds cannot unilaterally stay cases, just carry on with your claim, business as usual for now:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/107584-oft-test-case-what.html

 

http://www.consumeractiongroup.co.uk/forum/general/108430-stays-info-guidance.html

If I have been helpful please click on my star and add a comment.

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