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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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    • 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.  

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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.

      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.

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      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
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walton v rbos


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Oh dear indeed!!

 

Come on guys, bang some comments on the website

 

David

 

PS I think you just hit that one into the stands!! Shot sir.

 

Methinks there will be lots of comments.

 

Make sure there's links everywhere guys.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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ops lets see them try and explain them selves now.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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.....but didn't RBSs Lawters claim in a witness statement submitted into court that all my accounts were accurate and upto date, but confirmed earlier to my MP - "Mr Walton's accounts had been set up incorrectly".

 

I'm not a lawyer but that reeks of intentialy misleading the court.

 

Oh Dear Oh Dear!

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Excellent. What are they going to do now? :D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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ummmmmmmmmmmmm.......

 

 

Media Centre

 

Contact Media Relations

 

 

 

Media Relations can only deal with calls from journalists. If you have any concerns about an aspect of our service please first contact your local branch. If you still have concerns please contact our Customer Relations Unit on xxxxxxxxxxxxx if you are a customer of The Royal Bank of Scotland or xxxxxxxxxxxxx if you are a NatWest customer. For general enquiries, please call the main switchboard on xxxxxxxxxxxxxx.

The Royal Bank of Scotland and NatWest media centre is open from 08:30 to 18:00 Monday to Friday. For out-of-hours media enquiries please call xxxxxxxxxxxxxx for the duty press officer.

:cool: sunbathing in juan les pins de temps en temps

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Are any of the TV news channels going to pick this up?

 

HAK

 

It's been covered in most of the Sunday paper reviews.

 

I saw it being mentioned early on in The Andrew Marr Show this morning, if anyone would like to iPlayer that program.

 

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Be nice if Inland Revenue & Customs picked it up.

 

10 phoney accounts like this @ 100k unrecoverable balance = £1,000,000 write off for taxation purposes. Put money down it's the tip of the iceberg.

 

Wonder how many other institutions copied the RBS [problem], (If indeed it was RBS who dreamt it up to start with).

 

As RBS can't seem to explain to the press for what 'internal accounting' purposes these accounts actually serve, mabey the above should be asking the questions.

 

David

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Could you remind us all Paul how yourself and others got hold of this info in the first place?

 

Was it in response to a standard SAR, or was it pursued through the courts or ICO ?

 

Apart from how dumb they were to carry out such practices, I can't believe how dumb they were to actually reveal it all !!

 

.... Some heads are really going to roll over this !!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Be nice if Inland Revenue & Customs picked it up.

 

10 phoney accounts like this @ 100k unrecoverable balance = £1,000,000 write off for taxation purposes. Put money down it's the tip of the iceberg.

 

Wonder how many other institutions copied the RBS [problem], (If indeed it was RBS who dreamt it up to start with).

 

As RBS can't seem to explain to the press for what 'internal accounting' purposes these accounts actually serve, mabey the above should be asking the questions.

 

David

 

Maybe HMR&C as well as shareholders.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Could you remind us all Paul how yourself and others got hold of this info in the first place?

 

Was it in response to a standard Subject Access Request, or was it pursued through the courts or Information Commissioners Office ?

 

Apart from how dumb they were to carry out such practices, I can't believe how dumb they were to actually reveal it all !!

 

.... Some heads are really going to roll over this !!

 

RBSs deceit was exposed after they responded to a standard Subject Access Request and CCA request. It is my understanding that this creative activity was widespread in the nineties.

 

 

I will be forwarding a letter to RBSs lawyers this week to seek clarification that the witness statement they submitted into court confirming that all my accounts are accurate and up to date was correct.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Be nice if Inland Revenue & Customs picked it up.

 

10 phoney accounts like this @ 100k unrecoverable balance = £1,000,000 write off for taxation purposes. Put money down it's the tip of the iceberg.

 

Wonder how many other institutions copied the RBS [problem], (If indeed it was RBS who dreamt it up to start with).

 

As RBS can't seem to explain to the press for what 'internal accounting' purposes these accounts actually serve, mabey the above should be asking the questions.

 

David

 

Yes, this is what was discussed on The AM Show - they were talking about how this type of behaviour has resulted in the credit crunch, because the likes of RBS are clearly using accounting techniques to "create" debts that the company relies on, then using those debts to chase debtors, resulting in negative equities all over the place.

 

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I will be forwarding a letter to RBSs lawyers this week to seek clarification that the witness statement they submitted into court confirming that all my accounts are accurate and up to date was correct.

 

Paul

 

It may be useful to print off the articles from the ST and include those in your letter, Paul.

 

I'd love to be a fly on the wall when that particular time bomb is opened...

 

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I had asked the Inland Revenue questions about these router accounts some 9 months or so ago.......they had never heard of them.......I also asked as to how an account (mine in particular could have TWO book debts),,they were not aware of either and couldn't answer the questions ...but also said they could only act if the treasury asked them to..............I had made the Prime minister aware of the facts 12 months ago and the Treasury..............Action taken ......none.

 

 

sparkie

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Yes, this is what was discussed on The AM Show - they were talking about how this type of behaviour has resulted in the credit crunch, because the likes of RBS are clearly using accounting techniques to "create" debts that the company relies on, then using those debts to chase debtors, resulting in negative equities all over the place.

 

A debt being an asset when it comes onto the balance sheet.

 

David

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The way that I understand it is that an unsecured OVERDRAFT on a CURRENT account is shown as a LIABILITY on the banks balance sheet, but an unsecured LOAN account is shown as an ASSET.

 

We believe this is why our accounts were changed from 'Current' to 'Loan' accounts without our knowledge.

 

D

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