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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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Son v Capital One


Dispirited
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My son is going to try to claim charges from Capital One. Think he's had his card for about 3 years. Could anybody advise if this letter is acceptable?

Cheers. :)

 

Dear Sir

 

I am writing to request a fully comprehensive list of all the default charges that have been added to my account since its inception.

 

Please find enclosed a postal order for the maximum statutory charge of £10. If you are unable to provide this data, I will accept a copy of all my statements.

 

--------------------

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There's no problem with editing it but you need to make clear it is a subject access request under section 7 of the Data Protection Act 1998. You also want all information they hold (not just 6 years' statements - although statements will give you the information on charges) including evidence of any manual interventions on the account.

 

 

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  • 1 month later...

Statements have arrived, so now have to work out the charges. But I need some advice please -

 

Can son reclaim PPI?

 

They stipulated a credit limit but every month allowed him to go over it, consequently there are charges. And every month along with those charges there are 2 lots of interest added, same date, different amounts.

 

e.g.

13/12/02 LATE PAYMENT FEE £20.00

14/12/02 PPI £ 1.55

17/12/02 INTEREST (APPLIED) £ 1.59

17/12/02 INTEREST (APPLIED) £ 2.74

 

 

Can all be reclaimed?

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Help please, any Cap1 experts reading this??

 

Could somebody please talk me through in baby steps?? I've read up on the PPI and will be claiming that back. Tried Vamps' chambers for spreadsheets but all links are broken, eventually found one in the library but have not a clue how to fill it in or what interest to reclaim.

 

I've gone through the statements and now have a total of all the charges, do I list them seperately on the spreadsheet?

 

Thanks for any advice. :confused:

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Hi Dispirited. I am no expert on PPI as i have never claimed it but as for th charges you can claim:

 

Overlimit Fee

Late Payment Fee

 

Late Payment Fee

I've gone through the statements and now have a total of all the charges, do I list them seperately on the spreadsheet?

 

 

Yes. List them individualy with Date Charged, Name of Charge and ammount. Dont include 8% yet untill you file at court.

 

Hope this helps you.

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Hi

 

You can claim back the Overlimit fees and Late payment charges. You need to list them in a spreadsheet. If you are asking for Contractual Interest, then this should be asked for from the start. If your not asking for APR then just list the charges, date, amount, reason, and days passed, then ask for them back.

 

To work out your APR, on your monthly statement you should have below the transaction box, your current Purchase interest and cash advance interest. It will be some thing like:

 

Purchase Interest 1.897%

Cash Interest 1.976%

 

Add these 2 figures together to get an average and divide by 2, then type it into this calculator found here:

 

http://www.shweb.pwp.blueyonder. co...Sheet_v1.9.xls

 

Do not use the spreadsheet on here, as it's for bank charges only. The calculator is very accurate. If you don't have your APR or % figures, call them asking what it currently is.

 

When you have your APR, type this into your spreadsheet on each charge. It is not uncommen for people to have an APR of 34%...

 

Hope this helps

 

Ukaviator

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Hi Dispirited. I am no expert on PPI as i have never claimed it but as for th charges you can claim:

 

Overlimit Fee

Late Payment Fee

 

 

 

Yes. List them individualy with Date Charged, Name of Charge and ammount. Dont include 8% yet untill you file at court.

 

Hope this helps you.

 

Thank you Doz.

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Hi Ukaviator

 

Their APR was something like 29+% until last year I think, then it increased to 34+%.

 

Monthly transactions on statement read like this:

13/12/02 LATE PAYMENT FEE £20.00

14/12/02 PPI £ 1.55

17/12/02 INTEREST (APPLIED) £ 1.59

17/12/02 INTEREST (APPLIED) £ 2.74

 

 

Do I add both Interests together and divide by 2?

 

--

 

 

I've downloaded this spreadsheet: http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls

 

Do I have to enter all the cleared transactions?

 

And what about - 'Days since offence' ?

Does that stay in?

 

---------------

 

Thanks for your help, please stay with me because the penny's not dropping yet. :confused:

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Hi

 

http://www.shweb.pwp.blueyonder.co.uk/CompoundSheet_v1.9.xls

 

That looks like the simple charges spreadsheet, you need the compounded one. There are some links below where you can find the spreadsheets.

 

You do add the two rates together and divide by 2 for the average. Put the number you get into the small calculator found in the link above. This will give you the APR. You then add this to each charge in turn on the spreadsheet.

 

I will be back hopefully with a link for another spreadsheet if i can find it.

 

Try here: http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

It's Steven4064 spreadsheet he uses.

 

Uk

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I just get a front page, have you tried the one in the link above?

WARNING TO ALL

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Hi,

 

It's the Credit Card one from this site:

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html

I've downloaded the one from your link now and it looks more user-friendly. Sorry, was getting confused, I thought you said in an earlier post not to use it because it's for bank charges only?

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The one with the Calculator is for bank charges only. .the Version 1.9 one.

 

The calculator with it is just for your APR calculation. Glad you're getting through it ok.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Ok. . .at the bottom of the page after you type in the details when the first page opens up, you should see 3 panela at the bottom. Click the 8% interest one, this opens up the spreadsheet. Top right change the interest rate in the box to your APR figure. You will need to put the decimal point in. You should see the sample charges there change amounts as you hit the enter button. Now start filling in the spreadsheet with the dates, reasons, amounts etc.

 

Uk

WARNING TO ALL

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Ahhhhh, by jove I think I've got it (for now). Thank you UK, much appreciated. Just 2 mini queries:

 

There are 2 columns on the page named -

'8% on Penalties' and '8% on Interest on these Penalties'

 

What should I change them to?

 

 

Also, the APR is 34.9% but the box is changing it to 35%, is this right?

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Yes that's ok . .it rounded up the APR.

 

Just checking the spreadsheet now, the right hand column is adding interest onto interest for those penalties at 8% by the looks of it. If you delete the interest on each charge in turn it adjusts the total. The first column is adding the 35% to the charge when you input the amounts on the left. In the box in the 2nd column, change the 8% to 35%. The spreadsheet formula is doing the rest.

 

Remember you can't claim 8% and Contractual, it's one or the other, so delete the 2 right hand columns is how i see it.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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You can but i think the purchase interest rate is the APR they use for PPI.

If you are having trouble with the spreadsheet, PM me with an e mail address and i can send you another which may be easier to use.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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