Jump to content


  • Tweets

  • Posts

    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 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? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Parachute Account - Lloyds TSB & Upgrading


dolly
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6559 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Opened a current account with Lloyds TSB yesterday and gained a bit of useful info for anyone wanting to open a parachute account.

 

Basically if you are not credit worthy enough for a full current account, you get offered a cash-account. It doesn't have a solo / electron card, just a cash card, but you can do internet banking, DD's and Standing Orders.

 

The big difference I think though is that there is a genuine chance of your account being upgraded to a full account after 6-12mths. Basically he told me that they have their own scoring system on a scale of 1-9, with 9 being the biggest risk (think I have got that the right way round) and if you operate your account well, not getting charges (!!!), paying money in etc, then your 'risk' number gets lower. Once it gets to a certain level the computer automatically will let you upgrade to a fully functioning account. You can do this via internet banking as there is a tab on there to see if you are eligible yet.

 

My husband has been with TSB for years and his credit record is far from perfect - by their own terms, he should not have a Credit Card as he has a CCJ registered against him and yet just last week he applied and got one...with a hefty credit limit too.

 

Just wanted to make people aware of it as I know it is not one that gets mentioned a lot.

 

Hope that helps some people.

  • Haha 1

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

I applied & was accepted for the cash account (I was knocked back for a current account surprise surprise!), and was a bit miffed to find out that you can't add Paypal to the account to transfer money into the cash account.

 

I didn't want to fund my Paypal account from the cash account, just take out the £300 that's stuck in Paypal with me not being able to use it!

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

Link to post
Share on other sites

 

I didn't want to fund my Paypal account from the cash account, just take out the £300 that's stuck in Paypal with me not being able to use it!

 

Really??? Wow, I had NO idea about that. I wonder why that is? Is there no other account you can transfer it to, anyone that you trust?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

I didn't want to fund my Paypal account from the cash account, just take out the £300 that's stuck in Paypal with me not being able to use it!

 

As long as you have the account number and sort code, you should be able to add it to Paypal.

 

Click on Profile > Bank Accounts > Add.

 

Fill in the relevant details, click 'Add Bank Account'.

 

After you've done that, it will ask you to confirm the account. No need to do that unless you want to use it to put money into Paypal. If you want to use it to transfer money from Paypal to your account it should let you do it straight away.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Opened a current account with Lloyds TSB yesterday and gained a bit of useful info for anyone wanting to open a parachute account.

 

Basically if you are not credit worthy enough for a full current account, you get offered a cash-account. It doesn't have a solo / electron card, just a cash card, but you can do internet banking, DD's and Standing Orders.

 

The big difference I think though is that there is a genuine chance of your account being upgraded to a full account after 6-12mths. Basically he told me that they have their own scoring system on a scale of 1-9, with 9 being the biggest risk (think I have got that the right way round) and if you operate your account well, not getting charges (!!!), paying money in etc, then your 'risk' number gets lower. Once it gets to a certain level the computer automatically will let you upgrade to a fully functioning account. You can do this via internet banking as there is a tab on there to see if you are eligible yet.

 

My husband has been with TSB for years and his credit record is far from perfect - by their own terms, he should not have a Credit Card as he has a CCJ registered against him and yet just last week he applied and got one...with a hefty credit limit too.

 

Just wanted to make people aware of it as I know it is not one that gets mentioned a lot.

 

Hope that helps some people.

 

Wonder if ALL banks do this? Anyone her work for A&L and can give us any further info?

Link to post
Share on other sites

Hahaha!!! Tis all mine (Well, rent money!)

 

I asked at my branch and on their customer service tele number. I asked because you get a charge back of £14 from Paypal if your bank rejects the bank details, so thought it best to check first before adding the details.

 

In all honesty tho, it was an indian call centre I got thru to and she said no, went into the branch the next day to be told you can't as well :(

 

One miffed and STILL skint student...

Bah

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

Link to post
Share on other sites

I also have a cardcash account from years back (as well as a full current account) so I am going to give it a go with my paypal account and will let you know the outcome. At the moment Paypal are transferring the two amounts to my bank account so if they go in I would assume that everything is ok.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

I asked because you get a charge back of £14 from Paypal if your bank rejects the bank details

 

That's only if you confirm the account and try to set it up for direct debits.

 

You should be able to just add an account without confirming it, see my previous post.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

That's only if you confirm the account and try to set it up for direct debits.

 

You should be able to just add an account without confirming it, see my previous post.

 

But you are allowed DD's from the cardcash account anyway, so I can't see why TSB have a problem with it?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

But you are allowed DD's from the cardcash account anyway, so I can't see why TSB have a problem with it?

 

In that case I have no idea why Sazz thinks the account can't be used for Paypal unless there's something she hasn't mentioned here.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

I have cash account card with black donkey no problems withdrawing funds from paypal

Account does allow DD and SO but card can only be used at LTSB cashpoint or over counter only, BTW our nearest cashpoint is 15 miles away and quite often is "Out of Order" do you think they would credit travelling expenses:p

Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

Link to post
Share on other sites

I can confirm on the Lloyds TSB thing...

 

I opened a cash account, which wasn't the most fantastic, as I only had a card that could be used in their cash machines...and I live in a tiny village so tha didn't help.

 

Had the account about a year when I got asked to join their select account. Got a current account at long last, with a visa electron, so getting there!

 

Laura

Link to post
Share on other sites

Just had this response I sent via internet banking email:

 

Dear Dolly

 

Thanks for your e-mail about whether or not we accept payments from paypal.

 

We do in fact accept payments in this way. However in order to find out the process on how to set up the payments you would need to contact paypal directly as it is their process.

 

I hope this information is helpful to you.

 

If there's anything else we can help you with, please don't hesitate to let us know.

 

Many Thanks

 

Jennifer Ramsay

Customer Support

Lloyds TSB

 

 

:D

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

Nope, not any more info I can give you, but I called again yesterday during the day and spoke to someone again.

 

I explained that I wanted to add my cashaccount with LLoyds to my Paypal account. I only wanted to add it to transfer funds FROM Paypal, I don't want to fund the Paypal account. I told her that I'd been told twice I couldn't, but neither of the members of staff I spoke to didn't actually know who Paypal were, hence the reason for asking on here when I saw this thread.

 

I called yesterday after speaking to you guys and explained what I wanted to do again. She said she wasn't sure as it was a basic account only, so she would check with someone for me. She put me on hold and came back stating that I couldn't use this account with Paypal as it's a basic cash account. I said that I only wanted to transfer funds INTO LLoyds, not take funds FROM Lloyds to Paypal. I also asked how come I could have DD and benefits paid into the account but not Paypal transfers as they work on the same principle! She then asked me if I'd thought about upgrading to a current account, which would let me use Paypal transfers. I told her I'd applied originally for the Student current account but was declined & offered the cash account, which I took. (Parachute!)

 

I honestly have no idea now!! I think I'll just add it & try it. I just find it strange as I have a First Direct DD for insurance and benefits getting paid in, so how come I can't give LLoyds money from Paypal? You think they'd want funds going into the account!!

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

Link to post
Share on other sites

Sazz I think they are just saying no because they don't have a clue what Paypal is.

 

I suspect they are typing 'Paypal' into their computer and "computer says no".

 

Just add the account to Paypal - I'm 99.99% sure it will work - there's no reason why it won't.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • 2 weeks later...

Just wanted to bump this to say have had paypal money paid into this account no problems at all :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

Just going to pick eldest brat up from school - will send you a PM when I am back :)

Value is the total, including the 8% interest (but not the court costs as that automatically puts it in)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

I have a barclays- cash card account- no current- have been refused god knows how many times- becoming very frustrating! ....i was also told here that after six months if i operated my account well i could have a current acccount- so i go back in six months- but refused- and i have BEVER gone overdrawn0- and have a large wage paid in every month- plus other monies i get from freelance work....so i think i might go and swap- and go to LLoyds!!

Just bit of info for you all.

  • Confused 1
Link to post
Share on other sites

Wonder if ALL banks do this? Anyone her work for A&L and can give us any further info?

 

Most banks have their own internal credit rating systems for existing customers. Experian etc charge per search so it's cheaper for them to do it in-house where possible.

 

They don't like parting with money ;-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...