Parking tickets – NEVER just pay up

Parking tickets come in two forms. Most people never realise there is even a difference.

The first is that issued by a Statutory Authority, such as the local council or the Police. These are called PENALTY Charge Notices, PCNs, and are quite serious. They are a fine for a parking offence. They mean you have broken the law. They can be appealed, nonetheless.

The second, and by far the most common, is that issued by a Private Parking Company (known as PPCs), and these are not the same at all. They are called Parking Charge Notices (so that their acronym is also PCN, sneaky, eh?), but these have, and pay attention to this bit, NO LEGAL BASIS WHATSOEVER. They are a con, and they are a deliberate attempt to trick you into thinking you are paying a statutory authority for a genuine parking offence, which you are not. Their only claim is that you have somehow breached the contract you entered into by using the car park and this can ALWAYS be questioned, and usually overturned.

You must ALWAYS appeal any kind of parking notice, whether you find it on your windscreen or it just magically appears in the mail.

You may receive some scary letters, and the appeal process is made as complex and daunting as possible, with the intent to deliberately put you off and make you give in and pay. They may threaten you with Court proceedings, even.

If a Statutory Authority pursues you and rejects your appeal, you should pay up.

But you should NEVER pay if a private company threatens you in the same way.

The process to follow is too complex to go into here, and anyway, others have already explained it far more clearly than I ever could.

The invaluable starting point is MoneySavingExpert.com. Your first port of call should be this flowchart, which shows you the essence of the route you must follow.

You should then read this thread for further guidance. It particularly lists the different type of companies that may be issuing the tickets and it is important to ascertain which type of firm you are dealing with.

There are even template letters for you to send off to launch your appeal. It really is all laid out for you.

If you have any questions, contact either MSE.com’s forums or this website, and we will do our best to help you.

NB. There are firms that offer to do all this for you, which you will find at the top of any search on the topic. But they will require payment, so you’re better off doing it yourself with our help. Otherwise you may end up spending more than the ticket would have cost!

Advertisements

Your cancellation rights have changed

This is what happens when people fight back.

After the ash cloud, some passengers were stranded by their airline, in this case, Ryanair. They sued and they won!

Ryanair loses EU ash cloud case

According to the BBC report, Ryanair should have fully compensated a passenger whose flight was cancelled because of the volcanic ash cloud in 2010, the EU’s top court has said.

On such occasions there is no limit – in time or money – to the airline’s duty to look after its passengers, the European Court of Justice (ECJ) ruled.

Denise McDonagh had a seven-day wait for a Faro-Dublin flight on Ryanair and said she spent nearly 1,130 euros (£968) on a hotel, food and transport.

Remember, the Courts have decided that there is no limit to the amount you can claim if you are left stranded by your airline. No limit in time or money. You obviously can’t claim for a 5-star hotel if your holiday was a 3-star, and you can’t claim for a private jet to get you home, but as long as your expenses are reasonable, the airline HAS to recompense you.

Good news for those lower down the supply chain

New regulations may soon come into force that will allow for fines to be doled out to supermarkets who squeeze their suppliers too tightly.

http://www.bbc.co.uk/news/business-20591079

Supermarkets bow to pressure on “offers”

As any canny shopper knows, supermarket offers are not always as good as they seem.  We all know full well they fiddle the figures, with multi buys costing more than individual items, prices rising to justify subsequent cuts, and so on.

Well, after mentions on BBC Watchdog and research by the Office of Fair Trading, finally the rules have changed.


http://www.bbc.co.uk/news/business-20543107

Interestingly, Asda have NOT signed up to this agreement to make offers fair and transparent.

Thought you’d like to know.

What’s new in the world of consumer protection?

Every so often, a news piece catches my eye or ear, and I think, “I must put that on the blog”.

So here are a few recent stories about how naughty firms have been caught out and told off recently and how consumers are being helped or hindered by recent announcements.

Payday loans companies have been warned about their practices

http://www.bbc.co.uk/news/business-20406659

Energy firms are going to be restricted to a maximum of four tariffs (plus a duel fuel option)

http://www.bbc.co.uk/news/uk-politics-20404659

One in ten high street shops is empty

http://www.bbc.co.uk/news/business-20390416

Women’s car insurance premiums will rise – here comes that gender neutral thingy from the EU

http://www.bbc.co.uk/news/business-20317017

PPI Claims company now having the cheek to impersonate the OFT itself!

http://www.oft.gov.uk/consumer-advice/consumer-alerts/ppi/

The Consumer Affairs Minister, Jo Swinson, warns firms who refuse to hand over personal data on request

http://www.bbc.co.uk/news/technology-20361954

Misleading makeup adverts banned

http://www.bbc.co.uk/news/uk-14305041

If you see a story you think I may have missed, please let me know.

A Warning about Shell Drivers’ Club

Dear readers,

You may wish to collect Shell Drivers Club points. I am not going to advise for or against, as I know there are pros and cons to loyalty cards, which I may discuss in detail in a later piece.

I just want you all to be aware that when you earn Shell Drivers Club points, they will not be credited to your account for you to use for SIX MONTHS.

This is despite the website saying points are accrued quarterly, and similar claims being made in correspondence.

I just wanted my readers to be aware.

Drive safely.

The Trouble with the Truth

Now, you see, that’s the trouble with the Truth.  It will out eventually. No matter how hard you try.

http://www.bbc.co.uk/news/business-20307412

For the non-clickers-on-links,  a whistle-blower has announced that the gas companies have been price fixing. The wholesale price. The one they blame when the retail price goes up. That price.

Entertainingly, on the radio this morning, they were saying that the particular instance of price fixing in question, on 28 September, was when they actually pushed the price LOWER!

What a wonderful piece of PR that is. “Don’t worry. We may be price fixing, but at least it’s downwards, so no harm done to the consumer!”

We believe you.

For maybe one tenth of a second.

If you can fix the price downward with a clear conscience and no need to tell the world, I’m prepared to hazard hard currency on the possibility that you probably wouldn’t mind doing it upwards as well.

Only time and the latest set of enquiries will tell.

But if I were you, I would start setting money aside for the paying back of the customer bit which is bound to follow eventually.

After all, even if you don’t have to pay us back, you’ll need it for your fines.

Apparently, agreeing a price, whether up or down, is frowned upon by both the FSA, Ofgem and all sorts of bits of European Union bureaucracy (see, it was bound to have a use in the end!). Who knew?! (Apart from everyone?)

Big fines are coming.  Huge.  Trust me.

Genius

—-Original Message—–

Sent: 08 November 2012 11:53

Subject: Cashback Claim Rejected

Dear Mr XXX

RE: Your cashback claim for your mobile phone purchase

We’re writing to let you know that your month 15 cashback claim for this mobile number has been rejected because you’ve sent us your October 2012 bill and we need your October 2012 bill to pay your cashback claim.

So that we can process this quickly, please resubmit your claim by sending your October 2012 bill to us within 60 days from the date on the bill.

Yours sincerely

The cashback team

%d bloggers like this: