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#Post#: 89427--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: DWMB2
Date: September 10, 2025, 3:05 pm
---------------------------------------------------------
Going back to b789's options...
Option 1: You would potentially have a case (the charge is
neither an offence nor fine. One could argue parking charges
fall into the "other fees" bit, but that's rather vague).
However, your friend may wish to consider how much of his time
and effort it is worth expending in the pursuit of £10 if the
hire company prove stubborn.
Option 2: If we take the view that the admin charge should not
have been charged (on the basis of the above), then Option 2
would seem to be a non-starter. If the hire company's fee was
not due under the contract with them, that's their error, not
Bank's.
Option 3: Unchanged subject to the existing discussion
Option 4: As per option 1 essentially.
#Post#: 89446--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: ixxy
Date: September 11, 2025, 1:24 am
---------------------------------------------------------
Who was the parking booked with? Your Parking Space for example
have an unpleasent habit of taking payments for car parks that
they don't have a relationship with the enforcement company on.
They often rely on the motorist validatng their pre paid parking
which is pretty unfair and counter intuitive.
#Post#: 89451--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: b789
Date: September 11, 2025, 3:39 am
---------------------------------------------------------
All good advice so far. Here is my assessment of the clause you
have shown us:
The wording is deliberately broad. It covers “fines (including
speeding, parking and congestion charge fines) or other sums or
liabilities” and allows an admin fee “for each referral”. That
will usually catch a private parking charge, because (a) it is
an “other sum or liability”, and (b) all they’ve done is refer
your details to the operator.
The bracketed examples (“speeding, parking and congestion charge
fines”) point to statutory penalties, not private invoices. That
creates ambiguity: “parking fines” in UK law are issued by
councils/authorities, whereas Bank Parking Management Ltd issue
contractual invoices. Under contra proferentem/CRA transparency,
ambiguity is read against the drafter.
The invoice heading (“Motoring Offences Invoice” / “motoring
offences/fines – issued by Bank Parking Management Ltd”) is
inaccurate and arguably misleading. A private parking charge is
not a motoring offence and not a fine. That misdescription
strengthens a fairness/clarity challenge, even if the £10 is
modest.
What this means for your prospects to challenge:
[indent]• Strict contractual position: they can likely rely on
“other sums or liabilities” and “each referral”. On a
black-letter reading, £10 for processing is not obviously
unlawful.
• Fairness/ambiguity position: you have a credible argument that
the clause and their invoice wording mislead consumers into
thinking only fines/offences are covered; a private PCN is
neither. That supports a complaint and a goodwill refund, and
it’s the better hill to stand on if you choose to push.
• Practicality: £10 is recoverable, but litigating purely
against the hire firm on clause construction is not
cost-effective. Use complaint leverage first.[/indent]
These are the routes I would advise you consider:
[indent]A) Ask the hire/lease company for a goodwill refund
– Grounds: (i) PCN cancelled; (ii) misdescription (“motoring
offences/fines”) when the item was a private invoice; (iii)
ambiguity around “parking fines” versus private PCNs; (iv)
fairness/transparency under the Consumer Rights Act 2015.
– Outcome sought: refund the £10 and correct their billing
descriptors so consumers are not misled.
– Escalation: if they are BVRLA members, threaten (and if
needed, use) BVRLA conciliation.
B) Ask Bank Parking Management Ltd to reimburse the £10
– Grounds: their erroneous PCN (despite pre-payment) caused
foreseeable loss (the admin fee). Keep it to actual, provable
loss; courts don’t compensate “time/inconvenience” in small
claims unless you run a separate data-protection distress claim.
– If they refuse, a small claim for the £10 plus court fee is
straightforward and low risk.
C) Consider a narrow data-protection angle (optional)
– Only if, on disclosure, it appears Bank requested/used DVLA
data or processed personal data without first checking their
payment/whitelist records. If so, you could claim modest damages
(often £50–£200) for distress plus the £10 as loss. To assess,
send a SAR to Bank for ANPR hits, payment/VRM match logs, DVLA
request/response timestamps, and the internal cancellation
reason.[/indent]
Here are two short templates you can use
1. Hire/lease company (goodwill refund request)
--- Quote ---
> Re: Admin fee for “Motoring Offences Invoice” – Bank Parking
Management Ltd
>
> Dear Sirs,
>
> I dispute the £10 admin charge applied for a “motoring
offences/fines” referral. The underlying notice was a private
parking charge from Bank Parking Management Ltd, not a motoring
offence or fine, and it has now been cancelled.
>
> Your invoice description is inaccurate and risks misleading
consumers. Clause 9n refers to “fines (including speeding,
parking and congestion charge fines)” and this creates ambiguity
when contrasted with private parking invoices. Under the
Consumer Rights Act 2015, terms and charges must be transparent
and fair, and ambiguity is construed against the drafter.
>
> As the notice was cancelled and no liability existed, please
refund the £10 within 14 days and confirm you will amend your
descriptors to avoid suggesting private invoices are “offences”
or “fines”. If you decline, please confirm whether you are a
BVRLA member so I may refer the matter to conciliation.
>
> Yours faithfully,
>
> [Your name]
--- End Quote ---
2. Bank Parking Management Ltd (reimbursement of admin fee)
--- Quote ---
> Re: Cancelled PCN Ref: [PCN reference number] – request for
reimbursement of consequential loss
>
> Dear Sirs,
>
> You issued a PCN despite pre-paid parking. You have since
cancelled the notice.
>
> Your error caused a foreseeable loss: the vehicle hire company
charged a £10 administration fee to process your enquiry. Please
reimburse £10 within 14 days.
>
> If payment is not received, I will consider a small claim for
the fee, court costs and statutory interest under s.69 County
Courts Act 1984.
>
> Separately, please treat this as a request for the internal
reason for cancellation.
>
> Yours faithfully,
>
> [your name]
--- End Quote ---
Optional: SAR text to Bank (if you wish to explore a
data-protection head)
--- Quote ---
> Please supply, for PCN [ref], (i) all ANPR event data; (ii)
payment/VRM match logs and whitelist hits; (iii) the internal
case notes/audit trail; (iv) the DVLA request and response with
timestamps; and (v) the recorded cancellation reason.
--- End Quote ---
My suggestion... start with A (hire company goodwill refund) and
B (seek £10 from Bank). If either pays, you stop. If both refuse
and you want the point of principle, issue a claim against Bank
for the £10; it is simple, proportionate, and they may settle.
Only add the data-protection claim after you’ve reviewed the SAR
material that shows they went to DVLA before checking their own
payment records.
#Post#: 89570--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: Kharas1
Date: September 11, 2025, 4:31 pm
---------------------------------------------------------
Many thanks everyone, lots of good solid advice here and some
very useful learning from my perspective.
I’ll need to talk through the various options with my friend and
see where they want to go.
As always I am very grateful to everyone who has given their
time to contribute.
#Post#: 93288--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: Kharas1
Date: October 7, 2025, 1:58 pm
---------------------------------------------------------
An update.
Given that Bank had issued a letter to cancel the PCN, I
struggled to convince my friend to invest any further time in
this, especially as the admin charge was only £10.
However, Bank have now excelled themselves by issuing a follow
up letter, now demanding £170 for the PCN they have cancelled.
So, I’ve done a SAR to Bank to see what they hold and we will
reassess once we’ve seen their response and whether it prompts
them to cancel it again, only properly this time.
#Post#: 96393--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: Kharas1
Date: October 31, 2025, 8:08 pm
---------------------------------------------------------
A further update
We issued a SAR previously.
We didn’t get a response as such to the SAR but did get the
following email response;-
“Good Afternoon,
This PCN has been issued in error, please accept our apologies
for this and any undue stress caused, we have cancelled the PCN
and redacted your details.
Kind Regards”
In response to this and to have a bit of fun with Bank we have
responded as follows;-
“Thank you for your email of 17 October.
I would like to set out the series of events and correspondence
that you have completely unnecessarily created for me, as a
direct result of your incompetence.
You sought, without cause, to obtain the RK details for the
vehicle from DVLA, as parking had already been prepaid.
You contacted the RK, a hire company, who provided my details
and charged me an admin fee for having done so.
You then issued a PCN to me on 25/7/25. I should also point out
that this Notice is not compliant with Sch 4 PoFA 2012 as it did
not enclose any of the documents referred to in the Notice,
providing further evidence of your incompetence.
I then lodged a complaint with you, which your private parking
sector single code of practice says should also, where
appropriate, be treated as an appeal.
Your response was to direct me to use your appeal process which
was completely unnecessary and both a further waste of my time
together with providing now mounting evidence of your collective
incompetence.
So despite holding an unresolved complaint/appeal you then
issued a final reminder dated 8/8/25.
On 18 August, as I had no confidence of your ability to link the
already existing complaint with the relevant PCN, I did then, in
desperation complete the online appeal form and try to link it
to the previous complaint.
On 3/9/25 I had to issue a follow up, via your online contact
form, as my complaint was still unresolved.
You provide a mindless response on 3/9/25, and I replied to you
on the same date, reminding you of what had happened previously
as you were clearly too stupid to make the link on your own.
On 10/9/25 you provided a response from your appeals department
to confirm that the PCN had been cancelled. There has never been
a proper response to my complaint, presumably because you don’t
have anyone with the required intelligence to write one.
On 26/9/25 you then, with unsurprising stupidity, issued a
Notice of Debt Collection for the previously cancelled PCN.
On 1/10/25 I issued an email FTAO the Data Protection Officer
which constituted a valid Subject Access Request.
Your email response of 17/10/25 confirmed that the PCN was
issued in error and apologised for any undue stress caused.
Please note that your email of 17/10/25 does not constitute a
reply to what was a valid Subject Access Request, which remains
outstanding with an initial timescale still running and which
expires on 31 October 2025.
In an attempt to finally bring this to a conclusion I am now
giving you the opportunity to provide me with compensation, both
for the actual admin fee that I incurred and for the undue
stress that you identified having caused me.
This whole process was completely unnecessary, had you have
acted with proper due diligence and identified that I had
prepaid for the parking for which you then incorrectly issued
the PCN.
Dealing with you has been both stressful and enormously
frustrating, due very much to your collective incompetence. I
have spent a number of hours researching this process and
identifying where you couldn’t be bothered to follow it
correctly.
I require you to pay £70 in compensation to bring this matter to
a conclusion. Please note this is not a negotiation, it is
simply an opportunity for you to conclude the matter while
limiting your direct and opportunity costs. Once confirmed, I
will provide my details to you to enable you to make payment.
If you fail to respond with the next 14 days or do so without
providing agreement to the proposed settlement figure, I will;-
Require a full response to the valid Subject Access Request,
failure to do so will result in a complaint to the Information
Commissioner’s Office.
Require a proper response to the issues set out in my formal
complaint. If you fail to do so I will report this matter to the
BPA.
Require a full explanation by what is meant by “redacted your
details”.
Be making a complaint to DVLA about misuse of your KADOE
contract as you did not have reasonable cause to begin this
process, had you have taken the necessary care to check that I
had already prepaid.
Be complaining to my MP to get them involved post consultation
and as further evidence of why this cowboy industry needs proper
independent regulation.
Be Registering a claim with the Small Claims Court for my direct
costs and any resulting fees to bring the case to the court.
#Post#: 96447--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: b789
Date: November 1, 2025, 12:17 pm
---------------------------------------------------------
Good update. A few targeted points to tighten the strategy and
maximise prospects if you've not actually sent that to Bank...
This is actionable advice, focused and from your position as the
Hirer...
1. Legal basis to rely on
Bring a claim under the Data Protection Act 2018, relying on UK
GDPR Articles 5(1)(a) and 6(1)(f). Their first breach of your
GDPR rights started when they first received and used your
personal data from the leasing company without reasonable cause,
then continued with the NtH and later chasing. Cite the missed
SAR deadline as a separate breach of Articles 12(3) and 15. PoFA
non-compliance and the fact the driver is unidentified are
context showing you were never liable.
2. Tighten the ask and quantum
Stop offering £70. Demand £210 total now: £10 material loss
(hire admin fee) plus £200 distress. Add s.69 County Courts Act
interest if you issue. Keep a single figure; do not invite
negotiation.
3. What to keep from your draft
Keep the chronology, the prepayment fact, the dates of PCN, NtH,
“final reminder”, debt letter, the cancellation and apology, and
the SAR date and deadline. Keep the point that they sought
keeper data when there was no breach to investigate. Keep that
their NtH was not PoFA compliant and the driver has not been
identified.
4. What to change in your draft (if not too late)
Strip all insults. Replace “incompetence” language with “no
reasonable cause” and “no lawful basis under UK GDPR”. Insert
the legal hook: DPA 2018 s.168 and UK GDPR Articles 5(1)(a),
6(1)(f), plus 12(3) and 15 for the SAR breach. State that
settlement will not affect their duty to comply with the SAR.
Give a clear 14-day deadline and say you will issue a claim on
day 15.
5. Immediate actions (do these now, in parallel)
[indent]• ICO: lodge a complaint today for missed SAR deadline.
Attach the SAR, their 17 Oct apology, and your chronology.
• DVLA: You’re reporting operator (Bank Parking) misuse of DVLA
keeper data (no “reasonable cause”) under Reg. 27/KADOE. DVLA
can investigate KADOE abuse regardless of who reports it.
Your standing: you’re the affected Hirer. DVLA’s release to the
RK triggered downstream processing of your data and a £10
charge. That gives you a legitimate interest to report suspected
misuse.
How to frame the complaint. Say: “I’m the hirer affected by PCN
[ref] for VRM [VRM]. Bank accessed DVLA keeper data on [date]
without reasonable cause because parking was prepaid. They later
admitted the PCN was ‘issued in error’ and cancelled.”
Attach: prepayment proof, Bank’s cancellation/apology, the NtH,
the hire firm’s £10 invoice, timeline.
Ask DVLA to: audit Bank’s ‘reasonable cause’ for that enquiry
and take compliance action under KADOE.
• Erasure/restriction: Send an Article 17/18 notice to Bank
requiring erasure/suppression of your personal data for this PCN
unless they can evidence a lawful basis to retain; demand
confirmation in 14 days.
• Leasing company: optionally ask for a goodwill refund of the
£10 due to misdescription (“motoring offences/fines”) and the
operator’s admitted error. If they refund, you will reduce the
Bank claim to distress only to avoid double recovery.[/indent]
6. Evidence pack to finalise before issue
[indent]• Prepayment proof for the VRM and date.
• PCN, NtH, final reminder, debt letter.
• Cancellation email and the apology admitting “issued in
error”.
• Hire company invoice for £10 and proof you owe/paid it.
• Your SAR email and one chaser.[/indent]
When they finally respond to the SAR: DVLA request/response
timestamps, payment/VRM logs, internal audit trail, lawful basis
record, and the recorded cancellation reason.
7. Anticipate their defence and your reply
They will plead legitimate interests and honest mistake. Your
reply: no reasonable cause at the outset because a basic check
of their own systems would have confirmed a valid pre-paid
session; legitimate interests fails where necessity and
proportionality are missing. Continued processing and a debt
letter after cancellation aggravate the breach.
8. If no payment in 14 days
Issue a small claim against Bank for £210 plus interest and fee.
Keep particulars short: prepaid parking; unlawful DVLA trigger;
your personal data obtained from the leasing company; NtH
despite no breach; cancellation and apology; missed SAR
deadline; damages under DPA 2018 s.168.
That’s it. Keep it clean, legal, quantified, and on a 14-day
clock.
#Post#: 96452--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: Kharas1
Date: November 1, 2025, 12:50 pm
---------------------------------------------------------
Thank you for some great advice there.
I’ll start on those next week once I have the opportunity to put
some more time into it.
The email has been sent to Bank but the 14 day deadline to
respond expires Tuesday (5/11) so it will be all systems go once
we get past that point.
Lots to do but don’t want to miss the chance to hit back at one
of these cowboys.
#Post#: 98807--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: Kharas1
Date: November 19, 2025, 8:57 am
---------------------------------------------------------
Bank have unsurprisingly gone very quiet. Nothing further from
them at all.
DVLA complaint made and now acknowledged with the following
response of 13/11/25 -
“Good afternoon,
Thank you for your recent correspondence.
I am currently investigating this matter with the parking
company concerned and as soon as this has been completed, I will
respond to your complaint.”
Not sure how long this will take but at least a step forward.
Complaint made to ICO but their website says that it will
currently be 29 weeks before it is allocated to an investigator.
So their ability to enforce the failure to respond by Bank is
basically nil and I wonder why we continue to waste taxpayer
funding on such an abysmal organisation. This mirrors previous
experience with them that ended with me complaining about the
ICO themselves and their completely pointless existence.
I’ve registered a complaint with IPC that their member company
hasn’t followed their sector code of practice in failing to
respond to a legitimate complaint. I’m not hopeful that this
bunch will do anything but I promised Bank that a complaint
would be made, so don’t want to let them down.
My friend has decided that we aren’t going to push back against
the hire company but is happy to go via the small claims route
against Bank so that seems to be the final issue to get underway
now.
#Post#: 116907--------------------------------------------------
Re: Bank Parking - compensation for ticket being issued
incorrectly.
DIR By: Kharas1
Date: April 24, 2026, 12:58 pm
---------------------------------------------------------
A further update on the Bank Parking saga and a request for
thoughts or views on going forward.
1. DVLA - utter waste of time - stage 1 and 2 complaints done
that just serve to highlight how desperate they are not to rock
the boat with the operators who pay them millions to access our
data. Their inaction was in turn supported by the Independent
Complaints Assessors response to our escalation of the
complaint. Effectively this has run its course as we aren’t
proposing going further with this.
2. On 18/3/26, in the absence of any contact of any sort from
Bank (since 17/10/25) we served a Letter before Claim on them.
This finally prompted a response, dated 9/4/26. The response
said
Dear ……
We (Bank Parking Limited) write in response to your letter
before action received on 19 March
2026. This letter constitutes our formal response pursuant to
paragraph 6(b) of the Practice
Direction Pre-Action Conduct and Protocols (the Practice
Direction). We do not propose to
respond to your letter of claim on a point-by-point basis. Any
failure to respond expressly to a
paragraph of, or point raised in, the letter of claim should not
however be treated as
acceptance of the same.
Your Claim
We do not propose to respond to your letter of claim on a
point-by-point basis. Any failure to
respond expressly to a paragraph of, or point raised in, the
letter of claim should not however
be treated as acceptance of the same.
In your letter, you have alleged:
• Unlawful obtaining and processing of personal data
• Breach of UK GDPR
• Failure to respond to a Subject Access Request
Lawful Processing
It is denied that any personal data has been misused or
processed unlawfully. UK Parking
Control adheres to the General Data Protection Regulation 2018
(UK GDPR) and processes
vehicle registration data on the legal bases of contract and
legitimate interest. Personal data
was collected on the lawful basis of:
a) contract - where processing is necessary for the performance
of the parking contract, and
b) legitimate interest - where processing this information is
required to protect and enable
pursuit of a legitimate interests in ensuring the car park is
effectively managed.
Once the data is no longer required, it will be destroyed in
line with our retention policies. DVLA keeper data was accessed
lawfully under the Protection of Freedoms Act 2012 where there
is reasonable cause to do so, namely, where a breach of terms
and conditions has occurred. The details returned were that of
Lex Autolease Limited, who subsequently provided your details as
the nominated hirer of vehicle with registration ……… (the
“Vehicle”) in the ordinary course of that process.
We would further note that any charge levied by Lex Autolease
Limited as the registered keeper of the Vehicle for providing
your details is a contractual matter between yourself and Lex
Autolease Limited and does not give rise to any liability on the
part of Bank Park.
Pre- Paid Parking Session
We were unable to locate any record of a parking session in
respect of the Vehicle on 2 July 2025. Should you hold any
evidence of such, including a booking confirmation or a payment
receipt. We invite you to provide this for our consideration.
We further note your comments regarding the handling of
correspondence in this matter.
Subject Access Request
We acknowledge receipt of your Subject Access Request. We wrote
to you on 29 January 2026
requesting further information to verify your identity. To date
we have not received a response to that request. We can confirm
that all regulatory correspondence has been responded to. We
remain ready to fulfil your SAR promptly on receipt of the
required information.
With regards to the remedies set out in your correspondence, we
respond as follows:
1. For the reasons set out above, it is denied that your data
was unlawfully obtained or
processed Accordingly, no apology or admission is warranted.
2. We note that your letter indicates possible litigation. In
such circumstances, we are
required to retain relevant data to deal with such legal
proceedings. If it is confirmed
that no further legal action will be taken; data required for
litigation purposes need not
be retained and will be destroyed in line with our retention
policy.
3. Denied. The PCN has been cancelled, as such, there is no
basis in law for any
compensation to be awarded and it is denied you are entitled to
the same. Your
letter makes broad references to "distress", “anxiety” and
"wasted time". These
allegations are vague and unspecific. We note that you have not
provided any evidence
to substantiate these allegations. In any event, Bank Park
denies that any "distress" or
"anxiety" was caused by its actions.
Next Steps
We trust that the information now provided has helped to clarify
that Bank Park is not liable as alleged in your letter of claim.
Should you proceed with issuing Court proceedings, we will
rigorously defend the claim and will seek an order for costs.
Yours Faithfully,
Bank Park Legal Team
We have not responded to this yet or paid the fee to register it
with small claims court so before we pull the trigger any
thoughts on the way forward and or the draft response below?
Dear Sir
Thank you for your letter of 9 April 2026.
I will follow your approach in that I will not respond on a
point by point basis but similarly any failure to respond
specifically to a given point should not be treated as
acceptance.
Unlawful processing.
You claim that DVLA keeper data was accessed lawfully as you had
reasonable cause to do so, namely where a breach of terms and
conditions has occurred.
There was no such breach. The parking session on 2 July 2025 had
been pre-booked and pre-paid for by me in advance of parking at
Gould Street, M4 4AP.
The keeper details you sought were unlawfully obtained because a
competent and diligent check of the relevant records would have
shown that parking had been pre paid and therefore no terms and
conditions were breached. There was, therefore, absolutely no
basis on which to seek keeper details.
Pre paid parking.
The keeper in turn passed on my details to you, as the vehicle
hirer. I was charged an admin fee for them doing so. This charge
is directly as a result of you unlawfully accessing the keeper
details through DVLA and contacting them. The contract I hold
with Lex Allen was only brought into play in this instance due
to your actions and to suggest otherwise is nonsensical. The
admin fee is therefore rightly included within my claim.
Your inability to locate a record of the parking session is of
course, of no surprise to me. It is merely the latest example of
your ability to undertake competent basic administration.
I would however add that the previous production of this
evidence led to your response of 10 September 2025, from your
appeals department, to confirm that the PCN had been cancelled.
It would seem that you have had ample opportunity to review the
evidence.
In due course, the Court will order that both parties file and
serve all evidence they intend to rely on. I confirm you will
therefore receive all relevant evidence in advance of the
hearing.
Subject Access Request (SAR)
Concerning the SAR, I did not receive your correspondence of 29
January 2026. I would add that at the time of your writing you
had already ignored my valid request for four months and were
three months past the deadline to respond. I note that no action
took place until you were contacted by the ICO.
I would therefore invite you to now respond fully to the SAR and
stop hiding behind a request for further information as it is
obvious that you have all the information that you need to be
able to respond and indeed always have had.
Remedies
I note your comments but clearly you do accept that this process
can result in stress given your response by email of 17 October
2025,-
“This PCN has been issued in error, please accept our apologies
for this and any undue stress caused, we have cancelled the PCN
and redacted your details.”
I am therefore content to allow the Court to decide on whether I
am entitled to compensation for both material and non-material
damage arising from your infringements of the Data Protection
Act.
I have decided to continue with this claim, through the Small
Claims Court, as being the appropriate course of action in these
circumstances.
I require all correspondence to be sent to the address shown
below
*****************************************************
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