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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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Account fee Barclays


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Hi

 

Ok i am trying to Re claim my accounts fees as they were missed sold to me. I have all my statements after i finally got my SAR request through.

 

I am claiming back to 2006 when i was signed up to additions account without my knowledge.

 

I have drafted this letter.

 

Dear Sir or Madam,

 

Account name: First Additions

Account number:

 

I have had the above account since 1st February 2006 but believe it was mis-sold to me for the following reasons.

 

- I didn’t know I was paying and don’t remember ever agreeing to having this account.

- I was upgraded without my knowledge.

- I wasn’t told there was an alternative, free account.

 

 

I am writing to request a full refund of the fees I have paid plus any interest owed to me. I have enclosed a copy of the schedule of account fee charges.

 

I look forward to your response within eight weeks, otherwise I won’t hesitate taking my complaint to the Financial Ombudsman Service.

 

 

Yours faithfully,

 

Now i may need to change the last paragraph as going to the fos is a waist of time. So i believe the court route is required. Can someone tell me what the timings are before court action is this similar to bank charges.

 

Thx

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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We could do with some help from you.

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Thanks for the reply Andy i am aware of the link you posted but i want to bypass the FOS.

 

I just asking for timescales from the above letter i posted to a letter before action and then court.

 

Regards

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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The threat of the last sentence is really added for leverage ...its irrelevant whether you do or dont refer the matter...or maybe might not need to..it simply adds clout .

 

Test the water with the initial letter and see what response ..if any..you get and then we can talk about LBAs and court claims.

 

Regards

 

Andy

We could do with some help from you.

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Hi

 

Update

 

I have used a interest calculator at 24.9% and the amounts to reclaim back is just under 4k with 2500 of that interest.

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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:wink: as long as you can equate 24.9% has been applied to the package fee

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  • 2 weeks later...

Ok, I have received my letter from Barclays today dismissing my complaint on the grounds that I signed up to the addition account in branch and they would have explained to my wife the benefits.

 

Following my investigation I have identified that your application for both upgrades were submitted in branch. This means that at the point of applying for this account we did not give you any advice. You made your own decision as to whether you could have benefited from the features it included. WRONG YOU GAVE ADVICE ITS THIS ACCOUNT AND YOU HAVE TO PAY AND THERE ARE NO FREE ACCOUNTS. WHY WOULD WE SIGN UP TO BENEFITS WE DONT NEED OR NEVER USE.

 

I am satisfied that Additions Active Account was suitable for you. Our branch process was to explain to our customers the range of options available, the features and limitations of the products. You would have been asked which you felt was most suitable for you and asked to sign an Additions Acknowledgement confirming your choice of account. Our records show that you signed an Additions Acknowledgement on 21 October 2010. I have enclosed a copy of this with this letter. YES WE SIGNED HOWEVER ON THE GROUNDS THERE WAS NO FREE ACCOUNTS. WHY WOULD WE QUERY AFETR BEING TOLD IN 2006 THERE WERE NO FREE ACCOUNTS

 

I am satisfied that you consented to the additions Active upgrade of your account. Your account was upgraded in our branch on 21 October 2010 and you signed an additions acknowledgement confirming your choice of account. I have enclosed a copy of your signed additions acknowledgement with this letter. YES PAID ACCOUNT AND ONLY A PAID ACCOUNT A FREE ONE WAS NEVER OFFERED.

 

For the first additions upgrade, our processing branch was to present you with a range of product options and explain the features and limitations of your preferred product. We would then obtain your consent to proceed with that account you would have been asked to sign and acknowledgement letter to confirm your choice. we have no evidence to suggest that this process was not followed. However. as you upgraded your account so long ago, we no longer have a copy of your signed acknowledgement letter on file. THE REASON WHY, YOU UPGRADED WITHOUT OUR KNOWLEDGE AND WHEN QUERIED ALL ACCOUNTS HAVE A CHARGE

 

I have reviewed this information and i am satisfied that you were provided with enough information to make an informed decision to upgrade this account.

 

Following my investigation i have identified that you held a non fee paying account before you upgraded in January 2006. This means that at the point of applying for this account you were aware that this account was optional and that there were fee free alternatives. IT WAS DONE WITHOUT OUR KNOWLEDGE PLEASE PROVIDE A SIGNED DOCUMENT TO TELL ME OTHERWISE.

Following my investigation i am satisfied that you were:

 

Given the cost of your additions active as this clearly states on your signed additions acknowledgement with this letter.

 

As my investigation has found nothing to support the complaint points which you have raised i am unable to uphold your complaint.

 

Ok Whats the next step LBA

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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Hi Rob,

 

In your first post above, you said, "I didn’t know I was paying and don’t remember ever agreeing to having this account."

 

But in your comments in post #9 above, you said you paid for the Additions a/c because you were unaware of a free alternative.

 

These two scenarios appear to be contradictory and you need to address this before you reply to the bank.

 

Personally, I think you'd be unwise to wade in with a court claim including restitutionary interest.

 

:-)

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HI

 

In 2006 the additions account was upgraded without my knowledge. i noticed an account fee coming out and when i queried it was told its a charge for the account i said i didnt want it but was told i had to and no free account was offered.

 

2010 is upgraded again to additions plus ( done by my wife) but was told it needed to be upgraded but you do get more benefits my wife did say we dont use the benefits but was told we had to if we wanted the account so she agreed to keep the account however if a free account was offered we would have took it. Why would we pay for benefits we dont use?

 

Why is it unwise they mis sold the account. I am very angry we were made to pay for something when we didn't have to i want to claim it back but with the 8%

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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So just claim the standard 8% if it does get to court instead of putting restitution...at 24.9% in your complaint ...that is probably why your complaint was rejected.

We could do with some help from you.

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Hi Andy

 

When i sent the complaint i claimed for the 8% and not 24% thought i had more chance but they have rejected it. I am going to send an LBA and see what happens.

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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I would have just requested the fees in all honesty......interest only becomes part of the equation when a claim is issued

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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I would have just requested the fees in all honesty......interest only becomes part of the equation when a claim is issued

Well I will probably end up claiming anyway.

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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  • 1 year later...

Hi rob14973,

 

did you get resolution with this? I am currently with the FOS with a claim for mis-selling of account and o/d charges reclaim for financial hardship. The FOS seems to side with the bank and is asking for tocs of the accounts I held at the time, Additions, Additions plus and Premier. The bank has lied about products provided on these accounts and I need access to welcome packs and terms of conditions for the said accounts. Any help would be appreciated.

 

Thanks in advance

Edited by slick132
removed quote of post #9
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