Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • 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 
      • 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

HFC fined for PPI misselling - game over for them!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3968 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

  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Another One Bites the Dust... Who will be Next ???

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

The great thing with the Misrepresentation Act is that, once it is shown that the policy is unsuitable, it switches the burden of proof on to the seller to show that they acted correctly.

 

The fact that it has now been established that HFC were misselling policies between 2005 and 2007, it will be very difficult indeed for them to persuade a court that before then everything was fine.

 

It is worth noting that HFC could have appealed this decision, but they chose to accept the findings.

 

 

 

 

 

 

Link to post
Share on other sites

Can you tell me if Swift Advances have been fined for PPi Miss-selling.

 

Many thanks

 

 

No - this is the full list, courtesy of MSE:

 

Who’s been fined so far?

  • HFC Bank, also trading as "Household Bank" and "Beneficial Finance": Fined £1,085,000, the highest fine to date, in January 2008 for putting customers at an unacceptable risk of being sold PPI when it was not suitable for them. Failings took place in branches between Jan 2005 and May 2007. More Info: HFC Bank
  • Hadenglen Home Finance Plc: Fined £182,000 in September 2007 for inadequate systems and controls when recommending re-mortgages and PPI. PPI failings took place between January 2005 and November 2006. More Info: Hadenglen Home Finance Ltd
  • Capital One: Fined £175,000 in February 2007 for failing to ensure that 50,000 customers buying credit cards and loans between January 2005 and April 2006 received important information about the policy. More info: Capital One
  • GE Capital Bank Ltd: (supplies cards for Asda, Comet, Debenhams and Topshop among others): Fined £610,000 in January 2007 for inappropriate sales of its store cards and credit cards. More info: GE Capital Bank Ltd
  • Loans.co.uk: Fined £455,000 in October 2006 for not having appropriate systems and controls to minimise the risk of unsuitable sales. More info: Loans.co.uk
  • Redcats: Fined £270,000 in December 2006 for also not having adequate systems and controls in place to minimise the risk of unsuitable sales. More info: Redcats
  • Regency Mortgage Corporation: Fined £56,000 in December 2006 for not collecting sufficient information during a PPI sale to ensure its recommendations met customers' demands and needs. More info: Regency Mortgage Corporation

 

 

 

 

 

 

Link to post
Share on other sites

Hi,

Yes its great news for us all, my PPI is aprrox £7000 incl interest, which of course was mis-sold as i was not advised that i could go through a different insurer, i was not told the true amount of the PPI ie payments on top of the loan,the tatal APR charged, and i did not think the person who sold me the loan had my best interests at heart as i explained that i was self-employed and she didnt advise me otherwise.

 

Good luck to all claiming........"Bring it on"

 

Regards gordon

Link to post
Share on other sites

Hi,

just to extend the years that HFC have been mis-selling, my loan with the PPI i didnt need was sold to me in August 2004. It we be very interesting how what may HFC try to prove that my PPI was not mis-sold. I am prepared for anything and have nothing to loose as its all gone thanks to HFC, so they are in for 12 rounds of resentment.

 

Good luck.

 

Regards

Gordon

Link to post
Share on other sites

I may be able to test the waters with this, as I made a Part 18 request in relation to my claim which dates back to 1998. The information I asked for was regarding their internal procedures, commission, bonus structures, incentives, disincentives etc. - of course, they ignored it.

 

Earlier this month I filed an application for a Part 18 Order, and it has been listed for a hearing in mid-February. As yet, I have not had the paperwork, but as their defence has also been filed I am guessing it will be a full Case Management Conference.

 

If it is a CMC, then I will be asking the judge to consider making an order for full disclosure of issues regarding their PPI sales in 1998 based on the FSA findings for 2005-7.

 

It is definitely time to turn the screw.

 

Just as soon as I get confirmation through of the hearing I will post more on my thread.

 

 

 

 

 

 

Link to post
Share on other sites

Hi Alan,

Sorry for not replying, i`ve been away. Anyway that part 18 order sounds interesting and should state a few aspects of their selling paractises/ procedures " A NICE TASTEY COOKIE", on another note, i`ve recently recieved my CCA and with that a copy of my PPI or PPI`S as it were, meaning that i paid a seperate preminum for my PPI incl ASU from Hamilton (part of HFC) i`ve also been charged £3600 from HFC for PPI which is solely for ASU from HFC, and they are really going have to justify why they can and have sold me PPI and charged me twice for the insurance against the same PPI product, and obviously the PPI including ASU from Hamilton is a vastly tiny proportion to the later of the charge

 

I`ll keep you up to date as my case continues.

Regards

Gordon

Link to post
Share on other sites

Hi Alan,

This is my HFC CCA, and as a reply I sent the letter (one of the links below)on the date of issue, i think this explains my stance and what i expect to recieve.

Regards

Gordon

http://i272.photobucket.com/albums/jj161/nodrog1972/CCA1a.jpg

http://i272.photobucket.com/albums/jj161/nodrog1972/CCA1b.jpg

 

 

http://i272.photobucket.com/albums/jj161/nodrog1972/responsetoCCADaramola.jpg

http://i272.photobucket.com/albums/jj161/nodrog1972/responsetoCCAdaramolaa.jpg

Link to post
Share on other sites

Yeah that sounds about right!! as it says just above the boxes "tick as applicable", once i`ve recieved a reply from the letter i sent ( if i get a reply) it will all be documented and fully explained to the governing bodies i spoke about posting a complaint to. They cant say anything to avoid those details especially as i've been charged twice, the argument still and will continue to stand until i get a FULL REFUND WITH INTEREST!!!, so you just keep plugging away it takes time but the reward of justice will be complete when your happy with the result your looking for.

 

Regards

Gordon

Link to post
Share on other sites

No probs:) ,it's gonna be a long one though, as the same person who mis-sold me the PPI give me mis-represented advice on what to do about payments as i had a change of circumstances back in april 2005, and subsequently due to that ill advice, HFC defaulted me in oct 2005 (did not find out till jan 2007) i have all details that an arrangement to pay was in place before HFC changed details on my credit file, i have all my payment history via bank statements etc etc, so they can "get s*****d", i aint goin anywhere, let the fight begin i say, it's their move now.

 

Regards

Gordon

Link to post
Share on other sites

Hi All,

Just to say HFC have until 05/02/08 to come up with my request. If they dont then it's off to the OFT the FOS the information office, trading standards, then as of now i will be preparing my case in the small claims to fight a successfull 300 Battle. I am ready, let the fight begin.

 

Regards

Gordon

Link to post
Share on other sites

  • 3 weeks later...
  • 2 weeks later...

Just in case anyone has missed the announcement at the top of the forum regarding the class action against HFC, this is now gaining momentum.

 

I have been personally involved with the formation of the committee of claimants that will be driving the action forward, however if anyone else wishes to get on board then either contact me, or the PPICG (Payment Protection Insurance Claims Group) via the addresses given in the announcement.

 

We are looking for anyone who believes they may have been missold PPI by HFC, and is either at an early stage with their claim (perhaps up to exchange of AQ's) or has not yet commenced action.

 

Should your claim meet the criteria for joining the group, the solicitors (Clyde & Co LLB) have guaranteed that any adverse costs will be covered.

 

We are happy to answer any questions or concerns that you may have, and of course, any discussions will be treated as confidential.

 

 

 

 

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...