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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • 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.
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Contractual interest on RBS account


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I've just been on the RBS website and noticed this for my Route 21 Account.

 

Any amount overdrawn without an arranged overdraft or in excess of the arranged overdraft limit will be charged at a rate of 2.2% per month, which is equivalent to 29.84% EAR Typical (variable). Interest is charged in addition to the Maintenance Charge. The Paid Referral Fee and/or Guaranteed Card Payment Fee may also be payable if the unarranged overdraft arises from an informal request by you for an overdraft.

 

If your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded, you will be liable for a monthly Maintenance Charge.

The Maintenance Charge will be applied if you have an unarranged overdraft at any time during a monthly charging period. The charging period normally ends on the date that we send your statement to you.

£28

(£10 for R21**, Student Royalties, and Graduate Royalties)

 

Interest due on overdrawn balances

Arranged Overdrafts

1. Royalties Premier*, Royalties Gold, Royalties,

Interest Paying Current Account and R21 Account**

If you have arranged an overdraft facility with us in advance and

you use this facility within the thresholds shown below, you will

not pay any interest. If the amount you overdraw under an

arranged overdraft facility exceeds these thresholds, you will pay

interest on the full overdrawn balance – even the part of the

balance which is within any interest free threshold that applies to

your account – at the rates shown in the tables below.

Type of account Interest free thresholds

Royalties Premier* £500

Royalties Gold £250

Royalties, Interest Paying Current Account, R21 Account** £100*

R21 Account**

All Amounts 1.25 16.00

16.00% EAR Typical (variable)

 

Just a couple of questions

 

1- Can you reclaim the Maintence Fee as it relates to Charges?

 

2- Sometimes i have been overdrawn and sometimes i've gone over my Overdraft, Are the ones in red, the interest rate on each charge and the contractual interest that you can claim. I just want to make sure before i ask for my charges back

Edited by animal_lover
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You can claim back any interest you have paid on your charges. The advanced excel spreadsheet in the CAG library will do the calculations for you. (see my sig for link).

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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

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great, thanks

 

Do you know what the contractual rate is as i've mis read the info it's 2.2% interest per month which is equivalent to the 29.84%. i thought one was for interest on charge and then the contractual rate.

Edited by animal_lover
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To complete the spreadsheet that I'm suggesting you use, the interest rate does not matter, as you would simply be claiming the interest that you actually paid on the charges.

 

This is not the same as claiming contractual interest for which at the moment there does not appear to be a legal argument, and I would suggest that you do not try and claim unless you are very confident that you understand it and could stand up in court, explain to the judge and convince that you are legally entitled to it.

 

I am not the best person to explain it, but maybe this tutorial will help. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/145027-interest-tutorial.html?highlight=interest

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

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

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  • 10 months later...

Caro - in what way does the 'maintenance' charge differ from 'unauthorised o/d' charges that get cited as penalties in other banks? And, can the size of the charge be challenged for fairness since they have already hit you for the 'bounced' transaction?

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