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    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I have been banking with Abbey since University, when I was lured in by their fantastic offer of a current account, and actually ended up working for their telephone banking service which I am sure you are all rather more familiar with than you would probably like.

 

Luckily, due to the fact I am a generally pleasant guy, when I have been charged in the past I have managed to get out of it, but I was refunded a £30 charge a couple of months ago, and even then, I had to request a call back from a manager.

 

Today, I am pretty miffed. Granted, I like to flirt with my overdraft limit, but I am paid weekly, and they know the money's going in. I have just received my statement stating that I have incurred charges of £50, £20 overlimit fee and £30 honouring a £14.99 card payment which took me £1.10 over my limit for less than 24 hours.

 

I know other people have been hit much harder, but how can they charge me what would be over 16,500% flat rate interest?! Its a joke, I am not happy, and I wish that I was in a position to pay off the overdraft and go elsewhere (but then again, they're all the same aren't they?).

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Yep...all the same....except some are particularly worse than others.

 

First of all, open a parachute account with another bank...just in case Abbey decide in their wisdom to close your account because they dont like you taking any action against them.

 

Secondly, Read through the FAQ's the Templates Library and other peoples threads especially Whizzkids, Neil P's and Tim Dunlops (you cant miss them !!)

 

Thirdly, get your DPA letter out to the Abbey asap and set them the 40 day timeline.

 

Lastly...remember everyone on here is in the same situation and we can all help where required !!

 

Good luck and all the best !!

Jamloo

__________________________________________________

Abbey - Data Protection Act Disclosure Request Sent 03/04/2006 - 40 day limit was 13th May.

9th June 2003 to 9th April 2004 Statements We Have - Total Charges = £1,420.00 :o

18th February 2005 to 18th March 2006 Statements Received - Total Charges = £3,177.00 :o

Still awaiting remaining statements.:evil: (as of 25th June)

Request for Repayment Letter Sent Recorded Delivery 02/06/2006 - 14 day limit is 16th June. Requesting £4,597.00

Letter Before Action Sent Recorded Delivery 22/06/2006 - 14 day limit is 6th July. Requesting £4,597.00

 

Capital One (Part 1) -

Request for Repayment Letter Sent Recorded Delivery 26/06/2006 - 14 day limit is 10th July. Requesting £359.22

 

Letter Before Action Sent Recorded Delivery 24/07/2006 - 14 day limit is 7th August. Requesting £359.22

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I will try and be brief, opened account with abbey last july advised overdraft limit by staff and also what the bank would initially allow, went over overdraft by second month of having account , charges were taken resulting in more charges the following month and so on. have now calculated that they have had £900.00 Plus from me .Ive been in several times to try and sort problem out which resulted to my overdraft being increased to £1000 !!! its spiraling out out control !!! hence why im now in forum :shock::evil:

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Do you want to start your own thread Anna, so that we can follow your progress more easily? Good luck!

... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

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