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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Claiming back bank charges - Hardship cases - Help needed please


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  • 1 month later...
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I did angnnig, against the Halifax, and got about 90% of my charges back.

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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Hi Goldlady,thanks for your reply,I bet you were well pleased and shocked at the same time its not like the banks to give in so easily.I,m claiming against yorkshire ,they are well taking the p** out of us ,they owe us nearly £2000 in unlawfull charges,and keep on charging.I will deffo give it a try now though.wish me luck .kind regards angnnig

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It was before the outcome of the test case but as far as I can remember it was after the test case had started.

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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  • 1 month later...

I found out today that there is an act of parliament that overrides the stay for hardship see below:

 

in July 2007 the Office of Fair Trading agreed with seven major high street banks to a test case to determine the legality of Bank Charges. This effectively has put all claims on hold until the case is decided. However, there is an Act of Parliament which over-rides this if you are in receipt of any of the following benefits.

Income Support

Tax Credits

Child Benefit

Job seekers allowance

Incapacity benefit

Disability living allowance

Attendance Allowance

CSA payments

Other DWP payments.

These benefits are granted to stop hardship and are designed to meet basic day to day needs, and are protected under the Social Security Administration Act 1992 sub section 187. This stipulates that the bank can not apply any charges to money received as benefit, and any such charges are unlawful and therefore disallowed.

 

Hope this helps

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Hi all,Like a lot of people on here my claim for unlawfull bank charges is on hold.

So after reading this section on hardship I contacted my bank by letter explaining that I am experiencing severe hardship and recieving benefits ,so could really do with the charges they owe me.I sent copies of all the proof that i,m in arrears with ,ie mortgage and houseold bills . 2 weeks later I got a partial result and they sent me a cheque for £315 of the £1,900 they owe me, and stated, me accepting this offer wouldn,t affect my right to be compensated by them for the rest of the charges .I am pleased that i got a partial payment, but I,m thinking of trying to get more as we are so far behind with everything,due to my partner bieng ill and having 3 young kids to support,

any advice much appriciated thanks.regards angnnig

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  • 4 months later...

Hi,

I began to reclaim my bank charges from HSBC in April 2008 the total to date is just over £4000. In Feb this year I had and operation and am unable to return to work as I cannot do my duties but I cannot claim any benefit so I am having extreme financial hardship as my mortgage payments are more than half of my husbands pay leaving us (a family of 4) with only £70 shopping a month. I have claimed hardship and the bank phoned me this morning, Mon 22nd Dec 2008, to discuss this explain that I have proved my hardship.

 

They asked me what arrears I owe and even though they will phone me back in the morning, the impression I got was that I would not see any of the monies owed that it will go straight to my arrears to bring my debt up to date. My arrears at present are with my water rates £250 and one missed mortgage payment of £572 also charges on my mortgage of £841 accumulated throughout the year which has been added to my balance! If Hsbc pay these arrears then I will not benefit immediately from the monies as these arrears from my mortgage will be added onto my account in January and since the interest rate has gone down I will not feel the increase.

Has anyone had the same experience and did they get the money?

 

The bank took the money straight off me in the first place they should give me the money back to do with it as I see fit not for them to decide what I should pay the money to!

 

Please help!!

I need the cash not the arrears paid off as I have come to agreements with my creditors and will be sorted in two months. If they pay these off they will have paid out the best part of £1700 that will not help my financial situation. As the cash could!! And what happens to the rest of the monies owed, will I get that back as well?

Thanks

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