Jump to content


  • Tweets

  • Posts

    • 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?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lloyds claim - **WON _ Amazing win based on UTCCR's**


orfoster
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3533 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Breach of Statutory Duty

 

The defendant is a firm regulated by the FSA under the Financial Service and Markets Act 2000 and as such is subject to the Banking:Conduct of Business Regulations (BCOBlink3.gif) 2009 which requires inter alia that firms treat their customers fairly (R.5.1.1). and also s.140a Unfair Relationships CCA2006 amendments.

 

 

The claimant is a consumer as defined in the FSA Sourcebook

 

From the [XXXDATE] to [XXXdate] the defendant supplied current account services to the claimant - account reference number [XXXXXXXXX]

 

In breach of their statutory duty to the claimant, the defendant acted unfairly in that they throughout a period of financial difficulty continued to levylink3.gif excessive charges and interestlink3.gif from the Claimant with no regard to the Claimants financial difficulty.

 

Description of Unfairness

 

The defendant's treatment of the claimant was unfair, not least because:-

 

The claimant has held an account with the defendant for XX years

The charges and interest levied from the account added substantially to a period of financial difficulty

The charges levied from the account total £838 and were levied throughout a short period of time during which the Claimant faced financial difficulty.

The Defendant marked the Claimants credit file in default on 24 December 2010 despite the Defendant alleging that a breach occurred a significant amount of time before, making the default marker inaccurate and unfair due to the added amount of time it will be present on the Claimants credit file.

 

And the claimants requests an order pursuant to s.140b that the court make it fair

And the claimant claims £838 compensation for actual loss plus interest pursuant to s.69 County Courts Act 1984. Total £1249.59

 

 

I believe that the fact laid out in this particulars of claim are true

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Replies 295
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Andy,

 

Thanks, I'm using MCOL to issue the claim and submitting the schedule of charges and will submit the POC's separately.

 

Does the MCOL just need to say;

 

The Claimant claims that the defendant is a firm regulated by the FSA under the Financial Service and Markets Act 2000 and as such is subject to the Banking:Conduct of Business Regulations (BCOB) 2009 which requires inter alia that firms treat their customers fairly (R.5.1.1). and also s.140a Unfair Relationships CCA2006 amendments.

 

In breach of their statutory duty to the claimant, the defendant acted unfairly in that they throughout a period of financial difficulty continued to levy excessive charges and interest from the Claimant with no regard to the Claimants financial difficulty.

 

And the claimants requests an order pursuant to s.140b that the court make it fair

 

And the claimant claims £838 compensation for actual loss plus interest pursuant to s.69 County Courts Act 1984. Total £1249.59

 

 

I believe that the fact laid out in this particulars of claim are true

 

That takes me to 734/1080 characters.

 

Cheers

 

Oli

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Yes that's fine....take out the statement of truth...not required.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Just a quickie.

 

Just seen the charges are 2 April 2007, 1 August 2007 and onwards but those two are outside limitations.....do I leave them out or can I put them in? I don't want the whole claim struck out if I put them in.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Claim issued (I took out the older charges to be on the safe side).

 

Lets wait and see what happens......

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Hello,

 

I issued the claim with MCOL, I'm pretty sure thats ok but researching the CCA procedure here http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part07/pd_part07b....it says the POCs should be issued with the claim form, the claim was issued today and apparently I have 14 days to send the full detailed POCs.

 

I was gonna wait a few days before I do send them in, what do my fellow caggers think?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Depends how much detail you want in the P.o.C what we advised is enough to start the ball rolling.If you intend to attach a spread sheet or anything else then you you will have to submit a more particularised copy to the defendant.

 

Not the way I would do it because again you are showing all your hand in round one...you can expand on the charges and amounts at either your Case Summary or Witness Statement or Disclosure stage.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Ahhh Ok.

You see I only submitted a very slimmed down version of my original on MCOL. I definitely don't want to show my hand too early.

 

If I can add the spreadsheet later then I'll do that then later down the line. Have just ordered the Small Claims guide by Patricia Pearl for some bed time reading.....

 

I did though "tick" the box on MCOL saying I would send them more detail....am I obliged to or can I just not and they have to respond to what I've sent them in the claim form?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Well just send a copy of the spread sheet and amounts...don't expand on the PoC.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Breach of Statutory Duty

 

The defendant is a firm regulated by the FSA under the Financial Service and Markets Act 2000 and as such is subject to the Banking:Conduct of Business Regulations (BCOBlink3.gif) 2009 which requires inter alia that firms treat their customers fairly (R.5.1.1). and also s.140a Unfair Relationships CCA2006 amendments.

 

 

The claimant is a consumer as defined in the FSA Sourcebook

 

From the [XXXDATE] to [XXXdate] the defendant supplied current account services to the claimant - account reference number [XXXXXXXXX]

 

In breach of their statutory duty to the claimant, the defendant acted unfairly in that they throughout a period of financial difficulty continued to levylink3.gif excessive charges and interestlink3.gif from the Claimant with no regard to the Claimants financial difficulty.

 

Description of Unfairness

 

The defendant's treatment of the claimant was unfair, not least because:-

 

The claimant has held an account with the defendant for XX years

The charges and interest levied from the account added substantially to a period of financial difficulty

The charges levied from the account total £838 and were levied throughout a short period of time during which the Claimant faced financial difficulty.

The Defendant marked the Claimants credit file in default on 24 December 2010 despite the Defendant alleging that a breach occurred a significant amount of time before, making the default marker inaccurate and unfair due to the added amount of time it will be present on the Claimants credit file.

 

And the claimants requests an order pursuant to s.140b that the court make it fair

 

By virtue of the above unfairness the claimant has suffered loss and inconvenience

 

Particulars of loss

 

You should list out each item of loss you have suffered - e.g:-

Bounced direct debiticon charges from some third party - £xxx

Higher cost of credit - £xxx

Cost of phone callsicon - £XX

Cost of postage and special delivery costs £XX

 

Total - £XXX.XX

 

Particulars of inconvenience

 

Describe briefly what problems you have suffered as a result of the bank's unfair treatment of you, e.g:-

The claimant was unable to purchase food for herself and for her children and was obliged to seek help from family and friends

The claimant was obliged to cancel a holiday

etc etc etc

 

If you are claiming for inconvenience then you should estimate an upper limit for the damages you want. Keep it moderate and realistic as your claim fee will reflect the maximum amount you put on your claim form.

 

 

And the claimant claims £838 compensation for actual loss plus interest pursuant to s.69 County Courts Act 1984. Total £1249.59

 

 

I believe that the fact laid out in this particulars of claim are true

 

That's what I was going to send them with the spreadsheet. If you think I should literally just send the spreadsheet and not the above then I won't.

 

The above is the BCOBs POC template I found here http://www.consumeractiongroup.co.uk/forum/content.php?833-BCOBS-particulars-of-claim-template

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

No the one I advised and which you submitted vis a vis MCOL is adequate for now just send a copy of your spread sheet and retain the rest for your WS/Case Summary.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

No the one I advised and which you submitted vis a vis MCOL is adequate for now just send a copy of your spread sheet and retain the rest for your WS/Case Summary.

 

Ok will do.

 

I'm in the process of sending it now. I'm claiming £150 for high credit as a result + £25 for postage + £25 for inconvenience as per the BCOBs template.....I haven't mentioned it in POC's but understand as you've said I can do this in my case summary later. It is itemised on my spreadsheet though so all of what I'm claiming is there.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

The amount must be in the total claimed on the N1...it cant be added later

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy,

 

It is the total amount claimed on the N1 I just haven't gone into specifics on the N1 and the spreadsheet says;

 

O/Draft Excess Fee 30.00 1-Oct-2007

O/Draft Excess Fee 78.00 3-Mar-2008

Unplanned Overdraft Fee 27.00 1-Apr-2008

Unplanned Overdraft Fee 165.00 1-May-2008

Unplanned Overdraft Fee 165.00 2-Jun-2008

Unplanned Overdraft Fee 75.00 1-Jul-2008

Returned Standing Order 25.00 1-Jul-2008

Unplanned Overdraft Fee 75.00 1-Aug-2008

Unplanned Overdraft Fee 33.00 2-Mar-2009

Unplanned Overdraft Fee 75.00 1-May-2009

Loss - High Credit 150.00

Loss - Postage 25.00

Inconvenience 200.00

All of those above total the value of the N1, I just haven't gone into what the ones in red mean.

 

Oli

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Hiya,

I did a search on google earlier for BCOBs....found on another forum that they do not believe an individual has recourse under BCOBs.......

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

"The simplest way for an ordinary individual to bring an action based on BCOBS is to allege that the BCOBS requirements form part of your current account contract (which they do) and that by breaching BCOBS, your bank has committed a breach of contract (which it has).

 

Keep your claim for compensation modest......".http://www.bbc.co.uk/news/business-19511542

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I have received a letter from SCM Solicitors this morning which included the Defence which Lloyds TSB rely on.....

 

[ATTACH=CONFIG]45819[/ATTACH]

[ATTACH=CONFIG]45818[/ATTACH]

 

I think they have got themselves quite confused as their defence seems to rely entirely on the UTCCR which isn't mentioned anywhere on my POC's.

 

Also they say I was sending more detailed POCs within 14 days of issue, I was of the understanding it was 14 days from service! Anyway, the schedule which I sent in was posted 1st class recorded yesterday morning.

 

I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.

 

Anyway, have a look.....I assume they are trying to frighten me into withdrawing the claim, something which I am not prepared to do!

 

Thoughts on the attached?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

"The simplest way for an ordinary individual to bring an action based on BCOBS is to allege that the BCOBS requirements form part of your current account contract (which they do) and that by breaching BCOBS, your bank has committed a breach of contract (which it has).

 

Keep your claim for compensation modest......".http://www.bbc.co.uk/news/business-19511542

 

Thanks Andy, this explains it perfectly. I also found the schedule 5 which is referred to in the link you've given which also explains private individuals can take action.

 

Cheers for your help.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

When you had these "unplanned overdrafts" - did they write to you about them.

 

What was the value of the first unplanned overdraft ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

When you had these "unplanned overdrafts" - did they write to you about them.

 

What was the value of the first unplanned overdraft ?

 

Hello CitizenB,

 

Here is exactly what I'm claiming and in their SAR there is no evidence to show they wrote to me only that it appears on the statements.

 

I can't remember if they wrote to me. All I will say is that I repeatedly told them I was struggling.

 

O/Draft Excess Fee 30.00 1-Oct-2007

O/Draft Excess Fee 78.00 3-Mar-2008

Unplanned Overdraft Fee 27.00 1-Apr-2008

Unplanned Overdraft Fee 165.00 1-May-2008

Unplanned Overdraft Fee 165.00 2-Jun-2008

Unplanned Overdraft Fee 75.00 1-Jul-2008

Returned Standing Order 25.00 1-Jul-2008

Unplanned Overdraft Fee 75.00 1-Aug-2008

Unplanned Overdraft Fee 33.00 2-Mar-2009

Unplanned Overdraft Fee 75.00 1-May-2009

Loss - High Credit 150.00

Loss - Postage 25.00

Inconvenience 200.00

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

I think you need to get your POC to them if you have not already as this would appear to be a standard 'bank charges' response on the abck of the OFT case but as you say you are not claiming under UTCCR. It is amusing that there own solicitor refers to the charges as 'penalty' charges in his covering letter. Whoopsie.

Link to post
Share on other sites

Hello,

 

I've sent them basic POCs as Andy advised so not to give the game away but sent them the schedule of what I'm claiming yesterday, however I am still within time to send them 'more detailed particulars' should I send them the POCs again but with 138D on?

 

It's so late, what is the significance of him referring to penalty charges?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Not a great deal unfortunately on the reference to penaty cahrges as its only a covering letter and therefore not part of the defence. Its just amousing that the defence goes on at great lenght that these are NOT penalty charges then the solicitor says that they are! Just shows they are numpties really.

 

When it comes to bring a court case you have to show your hand from the get go as the POC are the basis of your claim. If you don't raise your argument at that stage then you may not be able to raise it later. You need to be entirely transparent as if you do get to court the judge will expect you to have fully presented your case to your defendant and enabled them to respond to it fully, which it seems at the minute you haven't really done.

 

POC need to be detailed and set out everything you intend to argue in court, so yes do them ASAP and refer to 138D.

Link to post
Share on other sites

How about this;

 

Particulars of Claim

Breach of Statutory Duty

1. The defendant is a firm regulated by the FCA under the Financial Service and Markets Act 2000 (as amended), the claim is brought pursuant to Financial Services Act 2012 s138D and as such the defendant is subject to the Banking Conduct of Business Regulations (BCOB) 2009 which requires inter alia that firms treat their customers fairly (R.5.1.1) and also s.140a Unfair Relationships Consumer Credit Act 2006 amendments.

 

2. The claimant is a consumer as defined in the FCA Sourcebook

 

3. From the [XXXDATE] to present the defendant supplied current account services to the claimant - account reference number XXXXXXXX sort code XXXXXX “the account”

 

4. In breach of their statutory duty to the claimant, the defendant acted unfairly in that they throughout a period of financial difficulty continued to levy excessive charges and interest from the Claimant with no regard to the Claimants financial difficulty.

 

Description of Unfairness

5. The defendant's treatment of the claimant was unfair, not least because:-

a. The claimant has held an account with the defendant for 7 years

b. The charges and interest levied from the account added substantially to a period of financial difficulty

c. The charges levied from the account total £748 and were levied throughout a short period of time during which the Claimant faced financial difficulty.

 

6. The Defendant marked the Claimants credit file in default on 24 December 2010 despite the Defendant alleging that a breach occurred a significant amount of time before, making the default marker inaccurate and unfair due to the added amount of time it will be present on the Claimants credit file.

 

7. By virtue of the above unfairness the claimant has suffered losses.

Particulars of loss

Charge Reason Charge Amount Charge Date Days Interest

O/Draft Excess Fee 30.00 1-Oct-2007 2134 17.05

O/Draft Excess Fee 78.00 3-Mar-2008 1977 40.34

Unplanned Overdraft Fee 27.00 1-Apr-2008 1949 13.72

Unplanned Overdraft Fee 165.00 1-May-2008 1919 82.29

Unplanned Overdraft Fee 165.00 2-Jun-2008 1888 80.68

Unplanned Overdraft Fee 75.00 1-Jul-2008 1859 35.99

Returned Standing Order 25.00 1-Jul-2008 1859 12.00

Unplanned Overdraft Fee 75.00 1-Aug-2008 1829 35.29

Unplanned Overdraft Fee 33.00 2-Mar-2009 1613 13.37

Unplanned Overdraft Fee 75.00 1-May-2009 1554 29.08

Loss - High Credit 150.00

Loss - Postage 25.00

Inconvenience 200.00

 

Total - £1123

8. And the claimant requests an order pursuant to s.140b that the court make it fair.

 

9. And the claimant claims £1,123 compensation for actual loss plus interest pursuant to s.69 County Courts Act 1984. Total £1482.81

 

10. I believe that the fact laid out in this particulars of claim are true

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...