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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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 
      • 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
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Absolutely - everything is at the discretion of the Sheriff, and he can just as easily be a great help to you if given a chance, do check back and keep us posted on this thread what is happening. It's rare something comes out of left field that's never been seen before, but it keeps everyone informated at what the Sheriffs are doing! Good luck, and we've all got our fingers crossed!

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entered 2 summary causes 1 for each account

told ok as different claims, hope girl was right.

Helped check everything and told me to add a line to form !b that although against company need mention held in local branch and ammount in section 7.

What next?

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hi,

after looking through all the threads, ive found out its not as easy as saying to the bank "ill take you to court".

ive asked from abbey £1719 to be refunded, this was before i found this site. i thought after reading loads of other online help sites that it sounded quite easy, however this is not so.

i sent, through recorded delivery, my request for refund, and they sent me back a step by step guide to making a complaint!:mad: They also told me to make a thourgh investigation in to my complaint it would take about 8 weeks! :eek: after reading through threads on this site ive heard that i should ignore this?

they now have 7 days left from the time ive told them im taking them to the small claims court. but now ive learned that the scottish small claims court only goes up to £750 and the summons court goes up to £1500.

does anyone know how much for a lawyer as i think this would be easier?

it does become more confusing the more i look into it. i thought id done my research but it just goes on and on and on.

ive have used templates to send to the bank (probably english templates) and now i think they will be laughing at me! :lol: especially after them sending out the complaints form! i dont want to complain i just want my money back. :rolleyes:

They also said id have to get in touch with my branch, is this true?

what do i do now, i feel like im making a fool of myself.

any help on all questions, much appreciated

thanks

:confused:

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What next step? or do you just wait.

Ricardo my next step is to phone the court day after the return date. See what happens then. See how the bank has responded.

 

 

Lofaprize: Don't worry about all this complaints nonsense the bank have sent out. It's all part of the game. They are trying to string it out and to make it as long winded as possible for you. This is to try to put you off.

 

Don't fall for the banks ploys. Remember, you are in control now not the Bank. They have to jump through your hoops not the other way round. I got all of the same letters as you and have carried on regardless.

 

You are NOT making a fool of yourself, they are just trying to string the process out. There are loads of folk on here who will help you beat the bank. Stick to your guns!!!!;)

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I had to get a local sheriff officer to serve the summary cause. (have to do this with Summary causes)They have sent it off now. The bank have to receive the Summary cause at least 3 weeks before the return date. My return date is 8th March.

 

The sheriff officers first try to send registered post. If no signature they deliver in person.

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Donald, does the summary cause case take into account teh interest when we take it to court or must the claim be contained to £1,500 including interst and how do w work out componded interest?

 

Haven't been too well so not on for a time. Lost track now.

Vital spark v Lloyds Tsb

2nd November 2006: 1st letter, requesting back statements, hand delivered to lloyds TSB: got receipt.

I have received the information on my accounts going back 6 (six) years but not going back to the begining of my hsitory with the bank, as I requested.

Think I'd best send a letter suggesting they send the lot and informing them that I have already paid the £10 for such information.

Mairi's awaiting my details so that she can help me work out the interest due on the charges taken.

 

Personal: growing and changing while ever remaining the same. Get to know me and tell me what I'm like coz I can't figure me out.

 

Quote: If you can't beat them, confuse them.

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At risk of being labelled El thicko, which I probably already am, what is the return date to which you refer?

Vital spark v Lloyds Tsb

2nd November 2006: 1st letter, requesting back statements, hand delivered to lloyds TSB: got receipt.

I have received the information on my accounts going back 6 (six) years but not going back to the begining of my hsitory with the bank, as I requested.

Think I'd best send a letter suggesting they send the lot and informing them that I have already paid the £10 for such information.

Mairi's awaiting my details so that she can help me work out the interest due on the charges taken.

 

Personal: growing and changing while ever remaining the same. Get to know me and tell me what I'm like coz I can't figure me out.

 

Quote: If you can't beat them, confuse them.

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To work out the compound interest use the spreadsheet provided on moneysavingexpert.com under the bank charges bit. Click here:

 

Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more

 

The interest(and court expenses) are on top of my claim for £1499.

 

The return date is the date set by the court that the bank have to give a response to the court in response to your allegation. It is a very important date. You must phone up the day after the return date to find the banks response. (that is if they haven't settled you up first!)

 

By the way you are not a thicko!! You are just learning the different stages. The same as I had to! You are just at a different stage of your claim.

 

Cheers

DT

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hi,

after looking through all the threads, ive found out its not as easy as saying to the bank "ill take you to court".

ive asked from abbey £1719 to be refunded, this was before i found this site.

:confused:

 

 

You don't need to speak to your branch.

 

Follow the step by step guide, stick to your timetable, and they will pay it back sooner or later (probably later).

have you started your own thread? I don't have much internet access ATM, but basically, to do it in scotland, you'll neeed to break your claim into 2 or 3, and go through the small claims court or summary cause. I did one small claims to start, am completing the next summary cause, and will have a final summary cause shortly.

 

Go for it

 

GiB

BoS:- D P A sent 09/06 Prelim. request 29/06 £1755 plus interest

1st claim Filed 5/10/06 SETTLED 19/10 £747.80 plus £534.31 interest

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Gah, I'm in the process of sorting this out for my Wife's two accounts, went to do MCOL and just found out I can't without a dance about and dodgy addresses because we're in Scotland :(

 

She has an account with BOS and one with Halifax, which I have been dealing with separately (writing to one at Edinburgh and the other in Halifax) - which looks good from the limiting point of view.

 

The claim against Halifax is for £1569 charges plus £275.75 interest.

 

My questions are:- should I randomly remove two of the lines of the summary (a £39 and a £30) to bring the total down to exactly £1500 or should I leave the summary as is but say I want to cap the claim at £1500 ? - if I remove lines do I need to send a new LBA for this to Halifax?

 

Does the £1500 limit include or exclude the interest? ie can I claim the £1500 bank charges plus £260 odd (after taking the two lines out) interest, plus court fees (plus £10 SAR fee ???) or is it just £1500 plus court fees?

 

Fortunately when I do the BOS one (they've said they'll send some sort of reply by the start of March) it's a lot less so I should be able to just use small claims.

 

Thanks!

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The HO of HBOS IS Edinburgh, so you can competently servie them on the Edinburgh address.

 

1) If at all possible, limit the claim to £1500, as jumping to a Ordinary Action (OA) will cost considerably more, but only recover the costs if they lose in court.

 

2) The £1500 is the ceiling for Summary Cause, full stop. Interest (other than that added by the court for non payment), it taken into account, so you may be better to remove this, and use it as a bargaining ploy when they come to settle without going to court.

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The HO of HBOS IS Edinburgh, so you can competently servie them on the Edinburgh address.

 

1) If at all possible, limit the claim to £1500, as jumping to a Ordinary Action (OA) will cost considerably more, but only recover the costs if they lose in court.

 

2) The £1500 is the ceiling for Summary Cause, full stop. Interest (other than that added by the court for non payment), it taken into account, so you may be better to remove this, and use it as a bargaining ploy when they come to settle without going to court.

 

Thanks for that.

 

To limit the claim from £1569 down to £1500 should I just submit a reduced schedule of charges to the court or do I have to submit it to Halifax first with a new LBA? Or can I use the full schedule of charges with the extra £69 but say in the court paperwork I just want to claim £1500?

 

Thanks!

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Hi everybody. I was going to post a question here but reading through this thread has answered my question because although I now live in Edinburgh, my account with LTSB was in High Wycombe and there's no way I could afford to travel down there in the event that I actually had to appear in court. With this in mind, I'll be pursuing this action through Edinburgh Sherriff Court. Can anyone lend me £39?!!

 

Thanks to all who have asked and answered questions in this thread, it's been a great help. I'll be back to let you know how get on.

 

The Shed Man

 

Ô¿Ô

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i claimed £704 from ltsb in scotland ,nobody on these forums give you direct help ,my friend had given me the letters to send as he claimed himself ,2 letters from ltsb saying no refund final offer ,i was going to fill in court forms ,then 3 weeks ago they put 750 in my account ,i still have not had any letters from them

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To work out the compound interest use the spreadsheet provided on moneysavingexpert.com under the bank charges bit. Click here:

 

Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more

 

The interest(and court expenses) are on top of my claim for £1499.

 

The return date is the date set by the court that the bank have to give a response to the court in response to your allegation. It is a very important date. You must phone up the day after the return date to find the banks response. (that is if they haven't settled you up first!)

 

By the way you are not a thicko!! You are just learning the different stages. The same as I had to! You are just at a different stage of your claim.

 

Cheers

DT

 

Thanks DT. Think I'll pm you. hope you're inbox is not full.

VS

Vital spark v Lloyds Tsb

2nd November 2006: 1st letter, requesting back statements, hand delivered to lloyds TSB: got receipt.

I have received the information on my accounts going back 6 (six) years but not going back to the begining of my hsitory with the bank, as I requested.

Think I'd best send a letter suggesting they send the lot and informing them that I have already paid the £10 for such information.

Mairi's awaiting my details so that she can help me work out the interest due on the charges taken.

 

Personal: growing and changing while ever remaining the same. Get to know me and tell me what I'm like coz I can't figure me out.

 

Quote: If you can't beat them, confuse them.

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Oh, by the way, I have just thought of a question! Can I add the £39 fee for the summons onto my claim? I'm unemployed and living on Incapacity Benefit so £39 is a lot of money to me - would be nice to know I could claim it back along with the charges. Anybody know?

 

Ô¿Ô

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Can someone please verify? If claiming through a summary cause action or an ordinary action, can you claim back 5 years or 6 years under scottish law? Also, if claiming back charges of varying amounts for 3 accounts si it better to lump them all together in one claim or keep them separate? Thanks

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Oh, by the way, I have just thought of a question! Can I add the £39 fee for the summons onto my claim? I'm unemployed and living on Incapacity Benefit so £39 is a lot of money to me - would be nice to know I could claim it back along with the charges. Anybody know?

 

Shedman yes you can. The court fee is claimed back under costs. When you put your claim in you will enter your amount plus "interest and costs".

 

So you will get this back as well!

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Oh, by the way, I have just thought of a question! Can I add the £39 fee for the summons onto my claim?

Ô¿Ô

 

No you can't, the court does. You ensure you add the line your action covers the amount sue for plus 'interest and costs', once you get judgement, the court adds the fees to the amount sued. Don't add it yourself because if it is added again, the action can be challenged.

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Can someone please verify? If claiming through a summary cause action or an ordinary action, can you claim back 5 years or 6 years under scottish law? Also, if claiming back charges of varying amounts for 3 accounts si it better to lump them all together in one claim or keep them separate? Thanks

 

I have another question. If taking out an ordinary action and the bank pays up before it gets to court, who pays solicitor costs?

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