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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. 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. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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need help getting my money back


bartonski
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hi guys,

im pretty crap with money. Although i work all the hours i have, never go out or buy anything fancy i still remain in dept. Every month for the past two years without fail natwest charges me 38.00 in fees. This ontop of interest pushes me over my overdraft for the next month. Its a cycle which i just cant get out of. I realize some people are writing to their banks and having some sucsess. Where can i get templates for these letters? can anyone help?

thanks in advance,

 

Rob

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hello and welcome to the BAG, if you click the link under this post, it will take you to the faq section, where all your questions will be answered and it will inform you how to procede, please take the time to read through it carefully, when you've finished, start a new thread in the appropriate bank forum and have any other questions answered there, b.o.l. :)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Welcome.

 

Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You may want to print these out so they are always to hand. Then look at other threads in NatWest's forum, so as you know what to expect along the way

 

You need to spend 2 or 3 days gradually getting your head round everything. There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems

 

When you feel confident that you understand the process and the various stages involved, post your progress and any questions on this thread

 

Good luck

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Hi,

 

The Template letters are here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

With regards to your current situation, I would recommend you contact Natwest and explain to them your situation. As a responsible lender they do have to be sympathetic towards their customers and the chances are something can be worked out to stop the charges occurring. I had a similar problem with HSBC.

 

Hope this helps.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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  • 2 weeks later...

ok thanks guys. i opted to get past statements and payed 5 pounds in total for 4 years worth. Natwest have charged me a total of 924.50 during those 4 years. On some occasions ive been charged for going over my agreed overdraft limit only because i was pushed over by another charge the month before. On my way to sending the first letter but need to know what the schedule of charges are?

sorry for the dumb questions.....

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ok great ive found the template. just one thing on the letter i dont understand.

 

'What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX '

How do i work out the overdraft interest for the sum taken?

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There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

 

2. 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before.moneyclaim

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  • 2 weeks later...

Rang Natwest for 6 years worth of statements costing 5 pounds. Charges total 992 which is a lot less than i though but still enough to do something about. sent the preliminary letter yesterday to both my banks address and the address in boreham wood. thought id cover both bases....but now im starting to think that might have been a stupid mistake....or is that me just being paranoid?

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i guess alot of people here are getting replies stating that they are not going to refund any of the charges. does this mean i can start with the LBO now or shall i still wait a further 14 days from when they recieved the letter?

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recieved 6 years of statments after ringing customer services. the whole lot cost me £5 and came pretty quickly. Sent the fisrt letter to both my banks local address and to Borehamwood.on the 22/06. Thought id play it safe.... recieved a reply from Stuart Higley stating that they considered it and found the charges to be fair etc.. Recieved another letter 01/08 probably from the letter i sent to my bank which then got passed onto the customer services department in wimbledon. This was from Mark Chamberlain and stated that they need to look into the matter further and that they would contact me within the next 10 days.

I guess sending anything to Boreham wood is a waste of time

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  • 2 weeks later...

ok recieved a letter from mark chamberlain saying that they have reviewed the circumstances and have found that people who are recieving their money back are doing so as they have credit cards. current account charges are legal and fair as i was told about them from the beginning. Hmmm... is this right?

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  • 5 months later...

hi, i started to claim charges a while ago. After a letter saying that they would not refund anything i quit im afraid to say. Recentley i recieved a charge of £35. called the bank and asked them about it. the guy referred to it as a cheque garantee fee. I this wht they call them now? anyway i wont go into detail about the charge. I asked for them to waiver the charge. I got through to the lending department where they told me that they had already shown me a gesture of goodwill last year by refunding a charge. However they were willing to refund half and that that would be it...no more good will for me! I asked him why would natwest refund 6 years worth of charges to some people and only give me £15 back. 6 years worth is a big bunch of goodwill, but the guy couldnt speak anymore about it and that was it.

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Guest dwarren

Hi bartonski,

 

Go for it on reclaiming your charges. You will need to make sure you read all the FAQ's first which can be found here.

 

Don't be afraid to ask questions as people on these forums are very supportive and will help you every step of the way.

 

Remember the money is yours and if you follow the steps to the 'T' there is no reason you will not get every penny back!

 

Firstly you will need to send a SAR to Natwest with a £10 cheque / postal order to get your last 6 years worth of statements. Here is an example of a SAR that I sent to Natwest on my claim (My claim can be viewed here)

 

National Westminster Bank

135 Bishopsgate,

London

EC2M 3UR

 

02nd February 2007

 

Data Protection Act 1998

[template letter removed from thread - the templates are available to registered users only]

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