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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Revenge V Lloyds - Let Battle Commence


RevengeAtLast
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Ok, here we go... Where do I start?

 

I am aware that just about every bit of information I could possibly want is probably in this forum somewhere... but, I am nervous I will get something wrong and would appreciate help along the way to make sure I am doing the right thing!

 

The position I am in is that I am an EX Lloyds customer. I used to have two current accounts and two business accounts.

 

I really have no idea how much I have been charged over the last 6 years but I know it must have been a lot! I have ran into difficulties of late and could really do with reclaiming any charges I can.

 

I suspect the total charges across all four accounts over the last 6 years may be in excess of £5,000...

 

To start with, I believe I need to use the freedom of information act to get the information I need to form my claim I have no statements at all!

 

Could anybody help me out with a quick link to a appropriate template for this purpose please? (I have printed one already but I want to make sure I printed the right template)

 

I have got a B/S cheque payable to Lloyds TB Bank PLC in readiness.

(Is the payee correct?)

 

Sorry to seem so unsure, but... well I am unsure lol.

 

Many thanks in advance.

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Your request for statements is actually under the data protection act. Here's a link to the letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html You'll no doubt be waiting a while for information so have a read round some more threads and you'll become .......more sure ;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Thank you very much for that...

 

I have my letter printed and ready to go.

 

Can anybody confirm the address I should send it to:

 

(One I had saved from a few months ago)

FAO Penny Berryman, Senior Manager

Lloyds Bank PLC.

Data Protection Department.

48 Chiswell Street,

London.

EC1Y 4X.

 

(One I have just found)

Lloyds TSB Bank PLC

Compliance Dept.

Mountbatten House

Military Road

Chatham

ME4 4JF

 

 

Many thanks again...

(I have Egg, MBNA, Capital One, Citi and debenhams to do after this one arrrgghhhh)

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I sent mine to She just LOVES all the letters we send her. She's not too good at writing back though, think her fingers must be sore :D

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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I sent mine to She just LOVES all the letters we send her. She's not too good at writing back though, think her fingers must be sore :D

 

 

I was editing my post to add the second address I found whilst you were replying... I think?

 

Do you mean you snt yours to the Penny Berryman address?

If so, have I got the address correct?

 

Sorry for being a pain!

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Do you mean you snt yours to the Penny Berryman address?

Yes, that's the one

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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You'll definitely get ignored for a while first, Don't think she does christmas as she probably went through the LTSB training system scrooge devised!!!! They have 40 days to comply but it will take longer, when the 40 days are up complain to the information commissioner and send this letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Many thanks again....

 

Can I ask one more time though, is the address correct?

I really don't want to give them any excuse to NOT comply...

 

I have just been reading a thread where about 4 different addresses were quoted... none of them the one I have above for Penny!!!

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I sent mine to the chiswell street address and got my statements, however, in here http://www.consumeractiongroup.co.uk/forum/lloyds-bank/236-lloyds-tsb-contact-details.html it says to send it to the one in Birmingham and as this site has never let me down I would use that address. I started this process through "money saving expert" as I assume you did too, hence the same address. But as I said, I would use the address provided here if I were starting again. Sorry if I've confused you or made you even more unsure ;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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