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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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Request for Payment sent on 9th March 2006


intersimi
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lol. I had a letter today asking if I could contact the Branch Manager regarding charges. Funny because I spoke to her yesterday. This must be an automated response from India.

regards,

 

InterSimi

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Official response back via letter. Basically the same as everyone else:

 

Re: Account Charges for Overdraft Excesses and Returned Items

 

Thank you for contacting us about your complaint. i am sorry that you feel we've let you down.

 

Concerns

 

Before I go any further I think it would be helpful if I set out my understanding of your concern:

 

+ You feel that the charges you have incurred are contrary to the Unfair Terms in Consumer Contracts Regulation 1999

+ You are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items.

+ You have requested that all charges incurred should be refunded for the past 4 years, amounting to £3353.65.

 

Background /Circumstances

 

When you become a customer, we give you details of any charges for the day to day running of your account. Details of our charges are also available from branch staff, telephone helpline or our website. While banking with us can be completely free, we apply charges if a customer foes not have enough money in their account to meet payments they have requested us to make.

 

You incurred charges because you did not ensure funds were available in your account to cover the payments set up by you. It is your responsibility to operate your account within any agreed limits.

 

As a business we are entitled to set charges to cover additional work. These charges are not hidden and are notified in the guide to banking charges leaflet we produce. We advise our customers to ensure cleared funds are available in their accounts to meet payments due. You will also note that in the front of each chequebook we request that funds are available before cheques are issues.

 

You accepted these terms when you opened your account and when you agreed your overdraft. We did not agree to pay your account in excess of the amount agreed without charges being made.

 

My Conclusion

 

Accordingly, I am unable to agree with your request to refund the charges. We do expect your account to be run in line with the terms and conditions of its operation. This means that you must ensure that cleared funds are deposited into the account the working day before any payments are due. If you do not feel you will be able to run your account in accordance with the terms and conditions, we may have to consider withdrawing certain facilities, such as any debit cards, overdrafts and chequebooks. Alternatively, you may wish to consider alternative banking arrangements.

 

What happens next?

 

I realise that you will not be happy with my response, but you can ask the Financial Ombudsman Service to independently review your concerns. I have enclosed their leaflet that outlines how to contact them. If you do want them to look at your concerns, they need you to get in touch with them within 6 months of the date of this letter.

 

Yours Sincerely

 

Mandy Horton

Assistant Manager

 

Letter dated March

regards,

 

InterSimi

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So, next step?

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You had better wait.

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I have just been reading the other posts and re-read the letter that I sent to Lloyds.

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

I have said in my letter that if they do not respond positively within 14 days that I would send them the NOTICE BEFORE ACTION letter. As they have responded negetively (5 days after my letter was sent), could I not just go a head and send the notice before action letter?

 

I know this is m being impatient, but also, this is me doing what I said I would do in the letter.

regards,

 

InterSimi

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I have just been reading the other posts and re-read the letter that I sent to Lloyds.

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

I have said in my letter that if they do not respond positively within 14 days that I would send them the NOTICE BEFORE ACTION letter. As they have responded negetively (5 days after my letter was sent), could I not just go a head and send the notice before action letter?

 

I know this is m being impatient, but also, this is me doing what I said I would do in the letter.

 

This is what I was getting so confused with yesterday, but I have decided to wait even though I know a few people who havnt, best to do things completely straight down the line that way theres no come back what so ever.

Good luck, will keep you informed on my progress too.

:)

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...And good luck to you but please post your claim on a separate thread.

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I have just e-mailed, LlydsTSB regarding my DPA request, as I have had no confirmation of them recieving it.

 

Dear LloydsTSB,

 

I have on the 9th March posted a request to obtain a list of transactions and charges dating back to 8th March 2000. I have also requested that any manual interventions be disclosed and if no manual interventions had occured to please state this in your reply.

 

I have attached a copy of the original letter and wish to inform you of the deadline for this request, 40 days from 9th March, is still in effect.

 

Yours Sincerely,

 

Steven Simister

 

My account number was in the summary. I addressed it to [email protected] and [email protected]

 

funnily, I had an 'out of office' back from Penny:

 

I am out of the office on 20 & 21 March. Urgent enquiries to Nilima on 020 7522 5202.

 

 

 

---------------------------------------------------------------------------------------------------------------

This e-mail is intended only for the above addressee. It may contain

privileged information. If you are not the addressee you must not copy,

distribute, disclose or use any of the information in it. If you have

received it in error please delete it and immediately notify the sender.

 

evolvebank.com is a division of Lloyds TSB Bank plc.

Lloyds TSB Bank plc, 25 Gresham Street, London, EC2V 7HN. Registered in

England, number 2065. Telephone No: 020 7626 1500

Lloyds TSB Scotland plc, Henry Duncan House, 120 George Street,

Edinburgh EH2 4LH. Registered in Scotland, number 95237. Telephone

No: 0131 225 4555

 

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and

regulated by the Financial Services Authority and represent only the

Scottish Widows and Lloyds TSB Marketing Group for life assurance,

pensions and investment business.

 

Signatories to the Banking Codes.

 

 

Merged threads, please stick to this 1

regards,

 

InterSimi

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I'd say phone up Nilma and find out their email address as well

 

And let us all know what it is :D

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I had a reply regarding my DPA request today:

 

Thank you for the e-mail.

 

I acknowledge your request for copies of statements/charge transactions on your account since 8th March 2000.

 

Your e-mail has been passed on to the Manager of the Service Recovery Unit and I have asked that he notes your requests and arranges for a response to be sent to you at the earliest opportunity.

 

Regards

 

Keith Boden

Lloyds TSB - Service Recovery

Birmingham

 

******************************************************************************

 

From:

Sent: 19 March 2006 22:24

To: [email protected]; [email protected]

Subject: Data protection Officer, Account No: xxxxxxxx

 

Dear LloydsTSB,

 

I have on the March posted a request to obtain a list of transactions and charges dating back to March 2000. I have also requested that any manual interventions be disclosed and if no manual interventions had occured to please state this in your reply.

 

I have attached a copy of the original letter and wish to inform you of the deadline for this request, 40 days from March, is still in effect.

 

Yours Sincerely,

 

 

regards,

 

InterSimi

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I am due to send my "letter before action" in 2 days time and guess what I recieved through the post today? Another letter from LloydsTSB asking me for them to carry out actions and could I wait 15 days.

 

well, I will be waiting for 14 days in 2 days time :D

 

Reference number: xxxxxx

 

I was most concerned to learn of your complaint following your recent communication. Thank you for contacting us.

 

I've arranged for a member of my Service Recovery team to carry out an immediate investigation, so that you will recieve a full response from us. Because of the issues you've raised, it may take a little time to gather all the information together, but we will respond to you within 15 days.

 

In the meantime I have enclosed a copy of the bank's booklet "How to voice yout Concerns" which gives you more details about resolving your complaints with us.

 

Yours Sincerely

 

 

Senior Officer

Service Recovery Centre

 

What I like is the personal touches they put in the letter. Notice how they don't refer to my actual details and the letter does not include the name of the "senior officer" but includes a squiggle of a signature.

regards,

 

InterSimi

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This is the letter I am going to be sending tomorrow morning:

 

My address

 

LloydsTSB

 

 

LETTER BEFORE ACTION

Date:

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxx

 

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £2983 plus £370.65 which you have charged me in overdraft interest for the sum which you have taken. Total £3353.65.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Yours faithfully,

 

 

 

InterSimi

 

I am concerned about the interest calculated and have a seperate thread going here regarding this: http://www.bankactiongroup.co.uk/forum/viewtopic.php?p=13365#13365

regards,

 

InterSimi

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ok, I didn't post the one above, I am posting this one tomorrow morning:

 

My Address

 

LloydsTSB

43 West Street

Fareham

Hampshire

PO16 0BE

 

 

 

LETTER BEFORE ACTION Date:

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £xxxx

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Yours faithfully,

 

 

Intersimi

regards,

 

InterSimi

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I would suggest any e-mails that you send to the bank you obtain a delivery receipt and also a read receipt.

Print these off and keep a copy as back up. just in case of any denial that they have received it.

I did this when emailing TSB on the 10th with my charges request letter and have a receipt to prove they received it. Also got the response that it had been passed onto Keith Bowden, Service Recovery fo processing.

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