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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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      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.
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Smithsu01 vs RBoS (in Scotland)


smithsu01
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I started this process before I knew this website existed and so just wrote a polite but firm letter to my bank requesting that they review what I felt to be excessive charges on my account over a 3 month period (£1200). When they ignored that I sent them a reminder 14 days later (both recorded) which they have now also ignored! Had I not been nearly so frustrated by them I may not have found this website but they ignored me at their peril and now instead of 3 months charges they'll be looking at a whole lot more.

SAR is on my desk ready to go in the post tonight and thanks to all you guys and the great information on this site, I can't wait!!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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good luck. i'll keep an eye on your thread if you need to know anything or need any help just shout.

rbos prem letter sent 25th aug 06

give me 10 more days letter received 2nd sept 06

lba sent 7th sept 06

settled in full 7/10/2006

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Thanks! It's quite a daunting prospect so it's great to know there's so many kind people who can help if I get stuck or panic!!

 

Suzanne

:D

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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just keep reading threads the more you read the more understanding you have and it becomes less daunting. if you follow in the right order and stick to you timetable you'll soon be laughing all the way to the bank.....

rbos prem letter sent 25th aug 06

give me 10 more days letter received 2nd sept 06

lba sent 7th sept 06

settled in full 7/10/2006

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  • 1 month later...

Well my bank statements arrived on friday and I'm sitting working my way through them just now - hard to tell how much it'll total to but around the £2000 mark already! Hope to have this ready to post tomorrow!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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hey,

 

good luck!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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Well the total now is £3176 excluding interest although it may be higher as although I pay a monthly charge for my Royalties Account I also get hit with £28 a month for going over my arranged overdraft limit - can I include this? I'd appreciate if someone can let me know asap as I have the letter ready to go and would like to get it posted before the weekend.

Thanks :)

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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  • 2 weeks later...

My prelim letter went off on 27th November claiming charges totalling £3868. Short of miracle I'm too late to get the money in time for xmas but maybe a good start to the new year!! As my husband has just been laid off yet again we could really do with it so fingers crossed. I'd like to think it won't get as far as the courts as I'll need to file 6 different small claims but am well prepared to if that's what needs done!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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6 days and counting........ til deadline for Prelim letter!! :|

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Well my deadline for the Prelim letter was yesterday and I've had no word so LBA will be going in the post tomorrow. Watching Bank Robbery on BBC2 on tuesday night helped inspire me a lot - I hope everyone watched it!!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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I'll be the same when my LBA deadline is up! I'm bad enough just now. I can't believe I didn't even get the standard 'no' letter - I keep telling myself maybe it's all running a bit slow due to xmas etc but I'm sticking to my deadlines all the same! Hope you hear something before the weekend! Fingers are crossed for you!!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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My understanding is that you can use the Summary Clause up to £1500 whereas to go through Small Claims you'd need to split it as £750 is the most you can claim. The fees involved are the same (I think £39) but I believe the only down side to summary clause is that you could be liable for the Bank's court fees IF you lose but then reading through this site, reading articles and watching that episode of the Money Programme highlighted just how unlikely this is. From what I've read on here I think more people are gaining confidence and going with Summary Clause rather than the lengthy process of doing a few Small Claims.

Sorry I don't have many details but I'm not quite at that stage just yet.

Good luck!! :)

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Hi Erinamanda and sorry to hijack your thread Smithsu01, im also in Scotland and just reading through some Scottish posts to refresh myself. I'm currently going through the summary cause process with LTSB (see my signature for my thread). The fees are the same £39 and the whole process is the almost identical, its just a diferent track of small claims. One thing I would point out is when you recieve the summons back in the post from the sheriff court YOU must get a sheriff officer to serve the summons on the bank (form 1B), the court doesn't do this for you.

 

Good luck with both of your claims and have a look over my thread to see what my lie ahead should you need to go to court, hope it gives you some encouragement.

 

Merry christmas btw

o0oLiamBeeo0o

Prelim Req sent 12 June 2006,

LBA sent 26 June 2006,

Confirmation of court action sent 24 July 2006,

Court return date 20 October 2006 - LTSB did not reply,

Court hearing date 27 October 2006 - Decree granted in my favour,

Recall of decree recieved 16 November 2006,

1 December 2006 assigned as recall of decree,

26 January 2007 assigned for full proof hearing,

16 January 2007 1st offer recieved and declined,

23 January 2007 2nd offer accepted, awaiting monies to hit bank account

 

All advice & opinions of o0oLiamBeeo0o are personal opinions, if in doubt seek advice from a qualified professional !!

 

vvv My Thread vvv

 

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No problem, hijack away! Thanks, I'll check out your thread!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Hi

 

Cheers for the info, but I'm now wishing I took RBOS's offer. I'm emigrating to Australia end of Jan and with the timescales for Summay cause claims, it's a nitemare. Spoke with Tommy McLean again to day and felt he was trying to fob me off. He previously told me on 20th December that I would be likelly to recieve a letter offering full amount the following day, now he's saying the the way in whish the bank are dealing with claims is changing from day to day. He suggested I either wait until they respond or take the legal route. To top all this off, I've been charged £152 over xmas :-(

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Mmmm, fraid I don't know the answer to that one but hopefully someone will!

The deadline for my LBA is up in a few days and as yet I've heard nothing at all from RBS! No 'get lost' letter in response to my prelim letter and now no offer at all to my LBA. Wondering if I should e-mail to make sure it's being dealt with as everyone else seems to at least get the standard responses and seems strange to have had nothing at all by this stage!

The letters were sent recorded delivery and have been signed for so I know they've got them!

Any thoughts anyone??

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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  • 3 weeks later...

So the deadline for the LBA came and went with still no word from RBS so I e-mailed Tommy McLean just saying that I was disappointed to have not even received a confirmation of my letter and while I appreciate they must be busy etc etc (well someone said he responds better if you're nice to him!). I got a reply straight back with the usual apology and he couldn't tell me when they'd be able to deal with it but they would as soon as they could.

 

At this point I couldn't afford to file at court and would've had to wait a couple of weeks so e-mailed back to say 'as a goodwill gesture I'd extend the deadline by 10 days but rest assured I will file at court after this time' - no harm making him think I'm being nice as oppsed to just skint!!!

 

Anyway, the next day I received acknowlegments of both my Prelim and LBA so suspect he'd stepped things up a bit - strange coincidence if not!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Just as their 10 day extended deadline was up.....I'd been to court to collect forms......arrived home........and there it was an offer for the full amount!!!!

 

The letter was just a standard, ' we feel these are not penalties but charges for services but as a sign of goodwill......'!!

 

Delighted!!!!

 

Thank you so much to everyone on this site!! Wouldn't have had the first idea where to start without you. All this because a RBS employee suggested I look into it!!

 

Donation on way when money arrives!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Thanks Tweenies, stick with it and read this site over and over and you'll be celebrating too soon enough! Good luck!

:):D

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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  • 2 months later...

Well done you!

 

Wow, this thread has reinvigorated my interest in getting my own situation sorted out.

 

Cheers for that!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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