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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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Hi YB,

Unless you relish the 'swishing' sound of wrists being slashed I'd keep stumm! Even if OFT decree a level of fairness and it's greater than zero, it still won't be accepted by many and, hopefully, since the "OFT decision doesn't carry the weight of law" (or so I've been telling banks & CC agencies for years) we'll still challenge?

 

Which is what the substantive issues should do. The first part is whether the OFT can assess the charges for fairness and the secondary issues is identifying the terms and asking for voluntary compliance---not even I think that is gonna happen in a million years, so we will have further litigation to legally determine that. The reason is that if they do not legally determine a fair charge then we are simply going back on ourselves back to July 2007. It has to be decided once and for all. We can't have this merry go round of litigation.

There will be OFT related litigation but the courts must determine the fair charge once and for all on the Substantive Issues part of the case(which hasn't started yet).

 

Do you think the bank has the right to charge for returning a standing order or Direct debit?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Has a right -or whether its unfair ?

Theres 2 different questions there.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The process of returning a D/D or S/O is surely totally automated ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin3030, i said the question wasn't a trick one. HAS THE RIGHT is the question and not any other subtext to it.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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The process of returning a D/D or S/O is surely totally automated ?

haven't said it wasn't.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Are you expecting CAG users to say yes ?:confused:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Are you expecting CAG users to say yes ?:confused:

Do you have an opinion on the subject matter of the question asked?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I have the right to blow my neighbours head off with a sorn off shotgun!

Who is going to stop me doing it? Will he still die if I do?

 

The point is, I'll be (well, if they catch me, it's not like me that, plus some of the other neighbours may well enjoy watching it, but... I digress) caught and brought to justice for my actions. He's still dead. I might go to jail. I might get off on a technicality.

 

The Banks have been blowing peoples heads off for years. They probably do have a right to do it. The Banks are in the docks.

 

So, yes they have a right, but only because we give it to them. If it's unfair to exercise that right, the right will be taken away.

 

I've had too many McFlurries again, haven't I? :(

 

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Well of course-but you asked for a yes/no answer.

That does not allow for an explanation as to why they should or should not have a "right".

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Well of course-but you asked for a yes/no answer.

That does not allow for an explanation as to why they should or should not have a "right".

 

Yes, but no, but yes, but no...

 

And so it goes on...

 

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fair do's martin, why should they have the right or not have the right to charge. Please be aware I am not asking as to the fairness of what they charge since that is still part of the OFT test case. Merely whether they have the right or for the sake of debate should have the right.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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i'll explain, there was an interesting debate on MSE with regards to bank charges.

Bank charges - MoneySavingExpert.com Forums

 

I missed most of it cos I am normally on the reclaims boards so caught this one late but some of them are utter idiots on that thread.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Do you think the bank has the right to charge for returning a standing order or Direct debit?

 

Yes, IMHO they should be able to charge.

 

But that is not the true issue.

 

It is whether they should be entitled to vastly profit from such circumstance.

 

They should be only allowed to recoup any extra cost arising from such an event. Otherwise, if allowed to profit, it distorts the decision making process.

 

If allowed to profit from such an event, then they will be more predisposed to take the profit option, rather than simply the more justifiable recuperation of costs option.

 

Imagine an analogy:

 

The postman tries to deliver a letter to you, but the amount of postage paid is inadequate.

He has two options:

1/ He can knock on your door, and ask you for the difference.

2/ He can instead fill in a card informing you that he attempted to deliver a letter, but as postage was insufficient, the item has been returned to their depot, and to release it you will have to pay not only the difference, but also an extra unexplained fee. He then posts the card instead of the letter.

 

The postman had still only made the same trip, still only been put to the same amount of effort, and still only delivered a single item

 

Would it be justified if the post office had a policy of encouraging the postmen to favour the second option above the first, because it made them more money?

 

Would you feel as if you had received good service, and one worth paying extra for ?

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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I didn't ask the question on price because I don't think anyone on CAG including me would agree that the cost of doing so is fair as it stands today and that includes the Barclays reserve useage nonsense.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Surely the question as to whether they have a right to charge relies on the basis of why-or on what justification ?

The banks claim its in their terms and conditions.

They have been less forthcoming in showing what it actually costs them.

Since the fairness and the right are so interlocked -so they rely on eachother to reach conclusion.

 

Lets also not forget that there are secondary issues,when the bank returns the D/D-its likely that the recipients will levy a charge as well.

Although I know its not part of the question.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i'll explain, there was an interesting debate on MSE with regards to bank charges.

Bank charges - MoneySavingExpert.com Forums

 

I missed most of it cos I am normally on the reclaims boards so caught this one late but some of them are utter idiots on that thread.

Yadedadeda, this is all the same rubbish Dave and I were answering 3 years ago, the high and mighty I-never-had-a-bank-charge-in-my-life... :rolleyes: You're wasting your breath, YB, these people are so stuck up their own backsides they won't listen to you.

 

(as for "utter idiots", don't venture on the consumer boards there, they're even worse!)

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Yup gawd forgive they should lose their 'free' banking the idiots - they really need a lesson in economics - there's no such thing as 'free' bleeding banking & I don't mean just the charges the silly sods pay for their 'free' banking in many otherways

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Surely the question as to whether they have a right to charge relies on the basis of why-or on what justification ?

Because the pink pixies are dancing in the rain. I thought the question was a no brainer but I guess next time I will go with a long winded one. is this question any easier for ya?

Where there are no funds to cover a payment request and the bank returns the item unpaid, do they have the right to levy a fair fee?*

The banks claim its in their terms and conditions.

They have been less forthcoming in showing what it actually costs them.

Since the fairness and the right are so interlocked -so they rely on eachother to reach conclusion.

 

Lets also not forget that there are secondary issues,when the bank returns the D/D-its likely that the recipients will levy a charge as well.

Although I know its not part of the question.

 

Does the bank have the right to levy a charge for returning a DD/SO unpaid?

My answer is Yes the bank does have the right.

 

 

* please note that I have not indicated what a fair fee is or commented on the current state of play in the OFT test case.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I Gave 3 Cheques To My Suppliers On The Sat Morn...on The Monday The Bank Terminated My Account..by 3 .00 On The Monday I Withdrew All My Funds...the Following Wednesday The Cheques I Gave Out Were Presented To The Bank ,the Bank Paid These Cheques Out And Charged Me 35.00 Per Cheque For Insufficient Funds ...someone In The Bank Made A Mistake And Paid The Cheques Out When They Should Not Have Done...am I Responsible For Paying Back To The Bank The Full Total Of The Cheques Paid Out By Them And Am I Resposible For All The Accumalating Interest That Went With The Payments...

Patrickq1

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OK, YB, they may have a 'right' but then we're straight into 'fairness'.

Question, will this OFT study for 'fairness' carry any more legal weight (which, as I understand it is nil) than the one they carried out on credit cards?

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OK, YB, they may have a 'right' but then we're straight into 'fairness'.

Question, will this OFT study for 'fairness' carry any more legal weight (which, as I understand it is nil) than the one they carried out on credit cards?

 

I think this is part of the personal current account study, if memory serves me right. The OFT test case is part and parcel of it so yes, but remember the OFT report on Credit card stated "only a court can decide a fair charge" plus it gave UTCCR as the vehicle which consumers can use(that is in the report OFT 842, point 1.14), so the OFT test case result will also have an effect on this as well because they are gonna have to go after credit card providers as well once personal current accounts has been completed with.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I Gave 3 Cheques To My Suppliers On The Sat Morn...on The Monday The Bank Terminated My Account..by 3 .00 On The Monday I Withdrew All My Funds...the Following Wednesday The Cheques I Gave Out Were Presented To The Bank ,the Bank Paid These Cheques Out And Charged Me 35.00 Per Cheque For Insufficient Funds ...someone In The Bank Made A Mistake And Paid The Cheques Out When They Should Not Have Done...am I Responsible For Paying Back To The Bank The Full Total Of The Cheques Paid Out By Them And Am I Resposible For All The Accumalating Interest That Went With The Payments...

Patrickq1

 

Yes because you issued the cheques prior to the account being terminated. If the cheques were guaranteed then yes as well. However, had the bank said that the cheques would not be paid but cancelled and you needed to make alternative arrangements with the people you had paid money to, then the answer imho is no since it was a bank error.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Does the bank have the right to levy a charge for returning a DD/SO unpaid?

My answer is Yes the bank does have the right.

 

 

* please note that I have not indicated what a fair fee is or commented on the current state of play in the OFT test case.

 

 

Why? It's not as if it's doing anything of value is it

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I Gave 3 Cheques To My Suppliers On The Sat Morn...on The Monday The Bank Terminated My Account..by 3 .00 On The Monday I Withdrew All My Funds...the Following Wednesday The Cheques I Gave Out Were Presented To The Bank ,the Bank Paid These Cheques Out And Charged Me 35.00 Per Cheque For Insufficient Funds ...someone In The Bank Made A Mistake And Paid The Cheques Out When They Should Not Have Done...am I Responsible For Paying Back To The Bank The Full Total Of The Cheques Paid Out By Them And Am I Resposible For All The Accumalating Interest That Went With The Payments...

Patrickq1

 

I think the answer to that is straightforward. You wrote out the cheques before the bank terminated your account. The cheques amounted to instructions to your bank to pay your suppliers on demand. (Section 73 of the Bills of Exchange Act 1882 says: A cheque is a bill of exchange drawn on a banker payable on demand.) They pre-dated the closure of the account and so the bank was entitled to comply with the instructions assuming of course you did not countermand them. All the conditions of your contract with the bank on the date you wrote the cheques apply. You wrote the cheques with the intention that the bank should pay them. Whatever you think of banks, it cannot possibly be right that your suppliers got paid as you intended but that you should not reimburse your bank. You would be unjustly enriched. Your only possible argument is that the bank had standing instructions not to let your account go into the red.

 

Further, since you withdrew the funds with the express intention that the cheques should not be met you run the risk of being charged with a criminal offence. Did you inform the suppliers there was a problem and tell them you would make immediate alternative arrangements to pay them?

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Your only possible argument is that the bank had standing instructions not to let your account go into the red.THIS WAS THE SITUATION....

problem arose when they returned a cheque i had paid in with a single line statement account terminated and returned with it was the cheque i had paid in on the previous friday.....

patrickq1

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