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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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  • 3 weeks later...
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having sorted out my "little" scare earlier when they took £4000 out of my account to offset another account, I have started down the claiming charges route. so to date have got my statements and sent an initial letter to BoS for my son's student account, should I have added interest on to the amount of charges. he only had around £200 in charges but i feel that there should be some kind of interest added on as they've had that money for ~3 yrs?

secondly the deadline for their response is up tomorrow and today they wrote and offered him half his charges back for this year!! now he aint taking that but do we write back and say this and still go ahead and issue LBA tomorrow?

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Vampiress' spreadsheet (in Bank Templates Library) can work out the interest if you're looking to claim this as well.

 

If / when it reaches the stage of a Claim being raised (although NOT before then) you are able to claim an additional 8% interest from the date of each charge, again the spreadsheet in the Library will sort this out for you.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Vampiress' spreadsheet (in Bank Templates Library) can work out the interest if you're looking to claim this as well.

 

If / when it reaches the stage of a Claim being raised (although NOT before then) you are able to claim an additional 8% interest from the date of each charge, again the spreadsheet in the Library will sort this out for you.

 

No. Claim contractual interest from the date of the charge (the date the cause of action arose).

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That's not what I said.

 

If the claim was successful, THEN the additional interest of 8% on top of all charges is awarded by the Court, on top of the refund of the Court Fee.

 

It is possible to claim back any debit interest incurred as a resuly of these charges taking you overdrawn, but many have found this to be a complicated process and often leave this out of their claim.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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  • 2 weeks later...

I have 2 different accounts with BoS, one has got quite a lot of charges, the other not so much. I am just starting the preliminary letter stage, but can I do both accounts at the same time? or would this be seen as same claim even though it's different accounts ie easycash and current account?

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yes you can do the two together as long as they are both in your name.

In the temps letters just change the details to provide for both account numbers.

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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Oops yes of course........I didnt know you were doing a Scottish claim.

Better then if you split them.

Theres no reason why you cannot have them running side by side.

 

Your dpa request covers all info so you should get all that under 1 application.

However from the prelim onwards you should keep them sep.

a pain I know but like you say ...............

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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  • 2 months later...

It states the interest rate is 'Unavailable' which suggests to me that on that it is not possible to get an Overdraft on that account.

 

I can't think of any other reason why it would be marked 'unavailable'. All the interest rates for unauthorised overdrafts are roughly the same give or take 1%. 28.8% or 29.8%

 

If you got an overdraft on your account its possible they changed the type of account you have.

14/8/06 - S.A.R Request to B.O.S for C.Account + 2 C. Cards Statments. Sent to HBOS, The Mound, Edinburgh (R.Delivery)

18/09/06 - S.A.R. Request Reminder Letter sent to HBOS, The Mound, Edinburgh. Local Branch C.C. (R.Ddelivery)

19/09/06 - 01/10/06 - Requested Information Received - Various Packages and Letters

11/10/06 - Prelim Letter Posted to HBOS, The Mound, Edinburgh. Local Branch C.C. (R.Ddelivery)

 

18/10/06 - Letter Received from HBOS as follows "your complaint will be passed to a Customer Services Manager....get back to you within 4 weeks"

01/04/07 Full Charges Received. Small Claims case won as bank failed to lodge defence. They initially refused to pay up and it was only through contact with a Sheriff Officer that they done so.

Case Closed - Hurrah

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