Jump to content


  • Tweets

  • Posts

    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Sorry guys....


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6407 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

If I'm posting in the wrong forum please be gentle...I've just been through my BOS statements since Jan 2004 and have over £1400 worth of charges, I have several months missing so this will probably rise. I cannot differentiate from the statements what the charges are for apart from the over O/D ones. Do i need to get a DPA to specify the cause of each of these charges or can I reclaim all of them regardless? Also, as I am in Scotland I will fall foul of the £750 small claims limit, any ideas?

I am trying not to get anxious about following this through, but the thought of further charges brought about because of already applied charges using up my limited income makes me want to get out of what is becoming a downward spiral. :evil: grrrrrr

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

  • Replies 114
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Welcome. I'll be gentle, can't guarantee BankFodder will :wink: (but you started well, you started your own thread :lol: )

 

DPA request, I'd suggest. First, it will fill the missing gaps in your statements. 2nd, it will have all the info pertaining to your account, so if the bank tries the "2 people to manually intervene" approach, and if they are telling the truth ( :lol: god, I'm funny this morning! :lol: ), it will show on your file. On the other hand, if it doesn't, then maybe there wasn't 2 people poring over each transaction, and there goes another flimsy defence...

 

Scotland law, no can help. sorry. But I'm sure someone will be along shortly who can.

 

Good luck, let us know how you get on.

Link to post
Share on other sites

Once I get my hotlittle hands on te DPA,is there a time limit within I have to act on it?

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

Nope. You can sit on your hot little hands for as long as you like... but where would be the fun in that? :lol:

 

Only thing to keep in mind is the 6 years limit. So if part of your claim is likely to be close to that, you want to get a move on, as every day could mean older charges falling by the wayside.

Link to post
Share on other sites

I am only going to claim from when BOS were taken over by Halifax as prior to that we had received excellent service fromBOS. Delivering DPA letter by and to branch today, doI need to send when toHead Office tooat this point?

 

n.b apologies for any typos,I appear to have a dodgy space bar and dont always re-read properly before sending.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

As there as been a marked difference in the way my account has been handled since BOS was taken over by Halifax,I am prepared to only claim from the time of takeover.however going through my paperwork I cannot identify when exactly this was,any clues anyone?(of course I could go off and google it,but it feels good to be communicating here!)

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

hope this is not bad form, replying to my own post, Hbos merger was September 2001, Thanks Google

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

DPA letter delivered by hand to branch today, like Woodyptk feeling a little out of my depth, but prepared to follow through to the bitter end....

courage, mon brave !

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

  • 3 weeks later...

just received first batch of print outs in post, only back to April 2004, as that is when account was transferred onto HBOS system from BOS, rest are due within 10 days.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

Hello fruitycar, I just got back £436 from HBoS for my wife - they didn't put up too much of a fight actually.

 

There will be a fairly straight forward chain of events.

 

1. You will write to them demanding your cash back

 

2. An incredibly condescending woman will phone you and call into question your sanity for having the temerity to challenge them. In the nicest possible way of course. Her task is simply to try to convince you that the only people who think they can get their charges back are crackpots and loons, so don't even bother trying. She may offer you half of your charges back.

 

3. You will submit your claim to your local Sheriff Court. This is where it begins to get scary if you haven't done it before. The good news is that nothing bad can happen to you. If you have any questions about the procedures or forms or anything like that, you should speak to the clerk of court. I've dealt with them many times and of all the public servant I've ever encountered they are by far the mst friendly, helpful and knowledgeable. If your claim is for more than £750, there is a simple solution. Add up all your charges and then use the spreadsheet which is available on this forum to add the interest. Now, start with the earliest charge and add them up until you get to £750. This will be your first claim. don't worry, the rest will be dealt with later.

 

4. About three days after submitting your claim, you will get the forms back from the court with a return date for about 6 weeks later. You have to serve one of the documents on the Defender (the bank), which you do by registered post. Then you wait...

 

5. Sometime about a week before the return date, you will get a letter from Halifax offering the charges, but not the interest. You will tell them to get lost.

 

6. You'll get another letter offering settlement in full. Now, this is where they will try to be tricky. They will almost certainly ask you to sign an agreement saying that this is settlement for all claims ever. They will do this because they will realise that while you are only claiming for £750 today - tomorrow you're going to come back for the next £750.. and so on. this is where there will be a bit of negotiation. When the cards are on the table they may just offer you all your charges back in one go to get rid of you - which is what you want.

 

7. They'll give you back your dosh, and probably close your account.

 

Have fun.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

Link to post
Share on other sites

very useful reply, thanks. Do you think its worth moving up one level to summary cause?

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

Probably not. Things definetly get more complicated in Summary Cause, and you won't be protected from paying costs if you lose, and those could be well into four, if not five, figures.

 

In my experience, the Sheriff will give you a lot of help in Small Claims, because it's intended for people who are representing themselves. Summary Cause is intended for lawyers, so you will find the Sheriff much less tolerant if you get the procedures wrong. The risk of having your cased kicked out is much higher in summary Cause. Also, bear in mind that one of the main reason that the banks don't defend these actions is because there is no way for them to recover their costs if they win (in Small Claims). If you do it in Summary Cause, then that disincentive no longer exists...

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

Link to post
Share on other sites

ooohhhhh, thank you, thank you, thank you !

I thought this looked like the way to go as my claim will be more than £750, your comments have clarified things for me, looks like the Sherrifs court for me.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

sorry this was supposed to be a reply on another thread and cant work out how to delete it or move it !

 

 

I've since had this reply from Robertxc

 

Probably not. Things definetly get more complicated in Summary Cause, and you won't be protected from paying costs if you lose, and those could be well into four, if not five, figures.

 

In my experience, the Sheriff will give you a lot of help in Small Claims, because it's intended for people who are representing themselves. Summary Cause is intended for lawyers, so you will find the Sheriff much less tolerant if you get the procedures wrong. The risk of having your cased kicked out is much higher in summary Cause. Also, bear in mind that one of the main reason that the banks don't defend these actions is because there is no way for them to recover their costs if they win (in Small Claims). If you do it in Summary Cause, then that disincentive no longer exists...

 

not quite as straightforward as I first read it to be.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

The whole thing sounds horribly complicated, but it's not really. As I've said before I strongly urge you to go down to the court and have a chat with one of the clerks if there's anything about the procedures you'e not sure about. They won't help you with your actualy case, but they know everything about the procedures.

 

It is most unlikely that you'll actually have to go to court to try your case, but if you do, remember that the Sheriff has a duty to help you with your case - especially if you're on your own and the other side have a litigation specialist. He will not let the other side give you a kicking, and if he think there's something you should do to help or improve your case, he'll tell you. Also, forget any ideas about coming up against Rumpole of the Bailey. Remember, going to court is HORRIBLY expensive for your bank. If you think your lawyer charges you a lot, you should see what he charges a bank! Never underestimate your bank's desire to stay well way from Small Claims procedures.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

Link to post
Share on other sites

how far down the chain of events did you have to go?

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

For bank charges you almost certainly won't go beyond stage 5. Certainly no one on theis forum seems to have gone beyond that poimt

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

Link to post
Share on other sites

what a busy hi-lighter I have ! just finished the trawl through 6 years of statements and print-outs and arrived at a sum which will involve 3.68 claims to resolve, just about to parcel up the first £750 worth and send of the first preliminary letter tomorrow. I used the excel spread sheet to total up the amounts, then its all ready to go for the next step :-)

I have decided to ignore the o/d interest as I was not clear on how much it was, although there is a seperate notified 'debit interest' debited from my account each month that increases relative to the amount of charges, could this be it? Might hold off the letter for a day if someone could clarify this.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

prelim request letter being hand delivered to branch tomorrow. Deep breath, here goes....

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

  • 2 weeks later...

I am getting confused over the time limit of claims for Scotland, I have seen 5 years stated in several posts. My prelim letter has been sent and tomorrow is the date for the LBA to go in, however my claim goes back 6 years, have I made a mistake and fallen at the first hurdle?

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

Hiya- Statute of Limitations is 5 years in Scotland, however most Creditors dont know the difference between Scots and English Law, and if it has to go to Court, most Sheriffs arent 100% up on the Statute of Limitations either. I work in the Money Advice industry, and the only time I would EVER remind a Sheriff of our beloved Statute of Limitations Act is if YOU were the defender and not the pursuer. I would go for it anyway.

 

If you need 100% clarification, why dont you have a chat with Mike Dailly in the Govan Law Centre, they seem to be doing a lot in this filed of getting Bank Charges refunded.

Link to post
Share on other sites

just had a phone call from BOS Customer relations- they have looked at my account and the charges are legitimate and basically offering me £150 in full and final settlement ! I pointed out to her that as I can only claim £750 this was the first of several claims and that the total was £2760 and so £150 fell far short of the mark. She said "I take it you are not going to accept this then" "no !" she said she will put this in writing and I then pointed out that I will be sending them a letter before action as I intend to raise a claim and that it will then also include 8% interest plus costs.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

Lba ready to be delivered this evening, but still time to adjust it if you think this incorrect.

I am making a first claim of £740 and have indicated in my letter that the total amount is £2760 and that I will be making further claims to refund this. Or do you think I should leave this out and just make the first £740 claim. I'm slightly concerned as some posts seem to imply that this is playing the system and could be frowned upon. Also I would be happier to get it all back in one fell swoop.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Link to post
Share on other sites

Hi there i too am claiming in 2 separate claims and they offerd me £350 for both claims (total being £1250) which i refused and sent two letters to indicate this. I think you need to just stick with the first amount of £740 and not mention the rest yet

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6407 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...