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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [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 states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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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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Hi all, Ive just started my fight against abbey so nothing from them yet, but I have two questions,

firstly has anybody actually got any money back from abbey and if they did, did abbey shut there accounts down?

And secondly once you have the imformation and put it all on the spreadsheet, what do you do with the spreadsheet? Do you have to write again making the claim with a copy of the sheet or do they respond with an offer once they have give you the information? Im readin the moneysavers site aswell as this one and Im getting totally confused, im not exactly the sharpest blade in the knife block when it comes to legal/finaincial stuff, so really basic step by step instructions would really help me out.

Thanks in advance.

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hello and welcome.

 

You need to start your own thread really - we all have our own. Read through the FAQs and step by step guide. This will definitely help.

 

Look at threads by NeilP and Whizzkid001 if you want to see stories of how people got money back from Abbey. Lots and lots of money!!!!!

 

Good Luck

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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No worries - have a good look through the FAQ's and the Abbey forum, then when you are ready, let us know how you are getting on. Abbey tend to try and make the road as long and bumpy as they can, but so far they have eventually been paying up.

 

 

 

 

 

 

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Ok I have news, I have just searched through all my old files etc and found bank statements dating back to september 2002.

In that time space abbey have charged me £1400 for bounced cheques, cheques and payments made without funds being there and going over my overdraft limit.

So can somebody tell me, do I need to wait for there reply to my first letter even though I now have the information I need, or can I skip waiting for them and now go ahead and start my claim, if I can start it now were do I go from here??

Any help would be greatly appreciated!!

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You can certainly start the process to claim back the charges for the period you have - and then when that claim is settled you can start a second action for the older charges.

 

However, the first thing I would advise is a good read through the FAQ's and the step-by-step guide, and a couple of days reading through the Abbey thread.

 

It is vital you fully understand the process and the legislation involved - especially since Abbey play very dirty.

 

Look forward to reading your progress.

 

 

 

 

 

 

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Ill have a read in the morning Im off to work now but hope nobody minds if I keep coming back and asking questions that made be answered there cause Im really finding this stuff hard to understand and I dont wanna mess it up! Just wish somebody could be here with me holding my hand through the whole thing ya know

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Is there a spreadsheet I can use to make a list of all the charges WITHOUT adding on the 8% APR as your instruction says not to add the interest on untill the bank has had time to make an offer, but all the spreadsheets add it on as far as I can tell??

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  • 2 weeks later...

Ok I cant find my original thread so Ill have to start another, I sent the first letter off to abbey with the spreadsheet showing all charges giving them 14 days to respond and today I recieved the following letter..

 

 

"Thankyou for contacting us and I am sorry that you have been so unhappy that you felt you must complain.

 

One of my team will be responsible for investigating your complaint and I have enclosed our complaints leaflet which explains our procedure for doing this. High quality customer service is of great importance to us at abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner.

 

I know it is important to you that we resolve your complaint quickly, but we want to do a thorough investigation and sometimes this can take time. if we have not contacted you before then, we will write to you in four weeks to let you know what is happening.

 

Although I so not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with."

 

Signed by the head of the complaints department!! I hadnt seen any threads from others who had this letter so now Im not sure what to do, do I wait 4 weeks and see what they say, or should I know proceed with the second letter because this just sounds like BS to me :confused:

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I take it that the letter you referred to was your prelim letter requesting the refund of the fees charged. If so, you have given them a timetable in that - stick to it and when the deadline passes move on to the next stage. You might add a line in yor next letter which says "sorry to note that you have decided not to respond to my earlier letter" or something like that just to acknowledge that you were clear and fair in your request and expectations.

 

If you have just sent the dpa letter then you will have to wait for the full 40 days to expire before moving on. Some people have found a short reminder a few days before the deadline is worthwhile, others just let it go and then move on without bothering. Very few (if any) outfits have not complied with this request in the end.

 

Cheers

Prelim sent May '06

LBA sent June '06

Fob off now rec'd to the prelim

Copy of fob off now rec'd as response to LBA!

Full repayment of all charges since 1997 now received.

Account Closed

Donation made :)

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Must be a new one this............they change tack quicker than a stealth bomber............

 

Yes just proceed with the Lba.

You could actually put a mention within that letter that you recieved theirs and are disappointed to note they feel unable to resolve without an investigation as the charges are very clearly illegal penalties.

 

:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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unlawful....illegal

 

both have same meanings

More importantly the banks understand exactly what they mean

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Anti,

 

I received exactly the same letter as you in response to my prelim. letter. I didn't bother to respond, just waited till their 14 days was up and sent the LBA.

 

If you read through other peoples threads, you will find almost all of the correspondance from Abbey has been received by someone else. They are just trying to get you to wait in the hope that you will get bored and let the matter drop.:rolleyes:

 

Just go ahead with your timetable and ignore their stalling tactics.

 

Good luck

Janey

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

http://www.consumeractiongroup.co.uk

The Consumer Action Group

Reclaim your rights as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.

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unlawful....illegal

 

both have same meanings

More importantly the banks understand exactly what they mean

 

 

Unlawful .... Common law

 

Illegal ...... Criminal law.

 

Bank charges .... Unlawful ! not Criminal ( although it is if you see what I mean !)

 

Your paperwork and letters should refer to Unlawful charges and penalties not illegal.

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Standard Abbey delaying tactics. Their "investigation" is unlikely to find anything.

 

Proceed with the timetable you set out in your letter. Don't allow yourself to be distracted by Abbey's prevarication.

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hi everybody

have been reading all your messages with interest. i sent Abbey my first letter on June 6th and as of yet have no reply, although there is a few weeks to go for my 40 day deadline. i will keep you all informed of my progress and would appreciate any tips and ideas from people in the same situation.

thanks everyone

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Hi ANP

Ive received the same letter along with another 2.

JUST IGNORE IT!!!

Stick to your timelines.

LIP

ABBEY

DPALetter received by bank on 100406.

£10 Cheque cashed by shABBEY on 200406.

14 statements received between 8-10 0506.

40 day limit reached on 19/5/06.

LBA sent special delivery on 20/5/06

7 days up on the 270506 for the LBA

Prelim approach for repayment for an estimated amt sent. 14 days up on the 200606.

DPAorder for NON-Compliance served 220606. Expires 060706

Final LBA sent, 14 days will be up on the 060706.

Defence from shABBEY received for DPANon compliance 050706

Financial claim deemed served to shABBEY on the 220706

AQ for DPANon Compliance handed in to court on 24706

Defence and 50% offer for Financial claim received 140806

AQ for Financial Claim received 170806

AQ for finacial claim handed in 010906

Hearing 4 amended claim 270906

Fast track Allocation 270906

Disclosure ordered 191006

shabbey failed to disclose 191006

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I am a bit concerened with what i have read above concerning the term 'Unlawful charges' and 'Illegal charges'. As i have already gone through the stage of filing and paying for my claim through MoneyClaim and titled my claimto the courts 'Illegal Bank Charges'.

 

Have i ruined my chances? Deeply concerned now...

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/9589-lordlee-abbey.html

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