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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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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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I'm going the Financial Ombudsman route


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I have used the ombudsman just like Honey2 but my claim was a lot smaller. You have to originally make your complaint to the bank in question first and when you get there final responce not to your satisfaction then you can get the ombudsman involved. Complaint froms can be filled in on line if you go to their web site and then you down load and send off or you can call them and start the claim over the phone they will give you a reference number but the form still needs to be filled in.

 

The only problem when using the ombudsman especially on as yours is for a large amount not sure if you will lose out on the amount of interest you can claim back. I did get interest with mine as I did originally ask for it but since reading others you aren't supossed to add interest unless it goes to court you will need to ask for someones help on that issue. For your claim this could be a considerable amount of money to lose.

 

Hope this has been helpful....

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i'm quite surprised you can claim interest via the FOS.

 

I've made a complaint to them with interest added on, so we'll what happens.

 

My claims against Lloyds and for approx £2.5K.

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

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That is very interesting that the FOS told you to add it because I don't think the banks have to pay the interest when settleing claims through the FOS maybe someone else will know that, but going to court will guarantee interest payments being paid and on £2,5 I would imagine would be a lot of money.

 

Hopefully someone will know the answer?

 

I have been paid and so as Honey2 interest using the ombudsman has anyone been refused the interest when using the ombudsman?

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It is possible to get interest through the FOS, no matter what the size of the claim. A number of people have received both actual interest incurred due to charges and statutory interest at 8% as given by the courts.

 

The thing is, you only get what you ask for - persistently. As the Ombudsman tends to send in claims in bulk the Banks will usually just calculate 6 years worth of charges on their own and offer that. If your original claim includes interest you can reject that through the Ombudsman an ask for the interest on top. Until now Banks have paid up.

 

Cheers.

 

Muggyno1

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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Thank you for explaining about the interest. However in your second paragraph you mention if interest has already been added to the claim when its passed to ombudsman you can reject it and ask interest to be added on top what difference does this make - sorry I'm not financial literate.

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Thanks for the info.

 

In all honesty I'm really not that bothered about interest. I'd prefer to just get back my money and put the whole sorry affair behind me.

During our darkest years financially Lloyds were our nemesis rather than being anything like the financial service they claim to be. So getting our money back from then would be compensation enough.

 

My only wish is for a bank that is human and decent in the way it conducts business that we could move to :(

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My only wish is for a bank that is human and decent in the way it conducts business that we could move to :sad:

 

To watch their adverts you'd think the all were..Yeah right!

 

Some are born to humanity, some aspire to it, perhaps our actions may even thrust humanity upon them. :p

 

Like I've said before, I'm an incurable optimist :D

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The thing is, you only get what you ask for - persistently. As the Ombudsman tends to send in claims in bulk the Banks will usually just calculate 6 years worth of charges on their own and offer that. If your original claim includes interest you can reject that through the Ombudsman an ask for the interest on top. Until now Banks have paid up.

Sorry folks, I typed the paragraph above in my last posting and its a bit open to interpretation to say the least! Doh! What I meant was that you can reject the bank's offer if it does not include interest. In fact, you can reject any offer the bank makes if it is less than you are claiming.

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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Not sure there is a bank out there like that LOL but good luck in reclaiming your money.

 

They certainly used to be!

 

In 1995 we knew our Account manager by her first name. We could ring her DIRECT, and she could help, and did.

 

The banks mustve all woke up and realised they have all the power, and we're all mugs ;)

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I've had my 2nd letter from the FOS yesterday.

 

"...The bank have told (us) that - in it's view - the charges it has made to their account were levied fairly in accordance with its tariff. It does not appear to have made an offer that fully meets what you have asked for. I have therefore written to the bank to invite it to:

  • make an offer which meets (your) claim in full; or
  • provide me with the information I believe I shall need to reach a conclusion on the merits of (your) claim.

"As you may know, in almost all the charges complaints we have considered, banks have made offers to meet the claim ... I will let you know as soon as Lloyds TSB Bank Plc tells me whether it is prepared to settle (your) claim ..."

 

 

Made the complaint to them only about 2 weeks ago so seems to be moving quickly.

 

The amount i'm claiming for/advised the FOS includes 8% interest so we'll see what happens.

 

MadMaxCTR:cool:

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

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As soon as Lloyds are asked for that information from the FOS they will settle took me 8 weeks from when i complained to the FOS till the money was in my account, sounds like yours could be quicker good luck.

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  • 2 weeks later...
Received the usual £750 "take-it-or-leave-it" fob-off letter today.

 

Phoned my daughter in Spain, she told them to stick it. Sent rejection letter.

 

Whew, made it by the skin of our teeth, received a letter from Lloyds via the FO yesterday offering full and final settlement of the whole amount but without the interest, and we signed acceptance! :lol:

 

Although I have read that any offers made by the banks up until yesterday are still valid, even if you haven't yet signed your acceptance.

Gracias a la vida - Thanks to life

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Thats great news glad it has worked out well for you. Your offer couldn't have been timed any better. Well done.

 

I'm feeling a bit disillusioned about it all now I suppose I should be grateful I also just received an offer from my bank it wasn't for the full amount I wasn't going to except it but don't think I have much choice now!!!

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I wasn't going to except it but don't think I have much choice now!!!

 

Thanks Lizzy, yes that was right down to the wire! Re your settlement, I would accept it for now, but we crossed out the bit where it said "full and final settlement", and wrote "without prejudice" in it's place, so that we can try for the rest later, depending on the outcome of the Case.

 

Hope we haven't made a mistake by doing that! Will phone the FO first thing Monday to find out, and will post right back here as soon as I find out.

Gracias a la vida - Thanks to life

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Yes your right probably right the best thing will be to accept however in my offer letter it states "This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill in full and final settlement". If I do the same as you and and put without predjudice not sure they will accept these terms as they are in the driving seat now.

 

What do you think?

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I agree, strange how the power can shift from us to them overnight :o

 

I will definitely post a reply here from the Ombudsman on Monday, will ask if the agreement is still valid if we signed "without prejudice", if you want to hold on 'til then (with the postal strikes, who know when mail will be delivered?). At least you have your offer, they have to abide by it whatever happens.

Gracias a la vida - Thanks to life

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If had some good luck the from the FOS as well.

 

I called them yesterdat following this test case malarky to see about my claiming being frozen. Anyway the FOS wrote to me on the 25/07 (wed) with a full and final offer from Lloyds inc interest (this is ontop of the £750 GOGW). Lloyds & the FOS have both confirmed that any offers already made will stand.

 

Just got that in time. phew. 8)

 

Donation to follow, once i get the money.

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

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If I do the same as you and and put without predjudice not sure they will accept these terms as they are in the driving seat now.

 

DON'T AMEND THE ACCEPTANCE FORM! That's the message I received from the FO this morning. Just sign, date and return to them, otherwise it's not acceptable!

 

REPEAT ... DON'T AMEND THE ACCEPTANCE FORM !! :o :o :o

 

They are kindly re-sending my form to sign without alterations, phew.

Gracias a la vida - Thanks to life

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Thanks for that new information I had a feeling there might be a problem changing the acceptance terms as they seem to be in the driving seat at the moment. I hadn't altered my offer form was waiting to hear from you first. This site has made life a bit easier I would have been completely lost if we hadn't spoken. So it looks like we will have to accept the offer knowing we will not be able to pursue them again they are so crafty.

 

I'm sure the banks were well aware of what was going to happen probably why some of them have been dragging there heals. Will send my acceptance form off and let you know what happens..

 

Good luck with yours

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Good luck to you too.

 

It must be a difficult decision for those who've only been offered a token amount, like £750, when they are owned thousands. Whether to accept the small offer, or hold out on the offchance of a bigger settlement in a year or so? It's a real gamble.

Gracias a la vida - Thanks to life

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