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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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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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