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    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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Reclaim Overdraft Charges from RBS - Scotland


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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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Yes, just change that bit ;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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That's it! I've sent off the LBA with copy of letter and schedule. HBoS also charged me another £28.00 2 days ago (to be taken 31/10/08) so i've included that and revised the schedule saying additional charge etc.

 

I'm determined to see this out now!

 

Could I have some comments regarding what is likely to happen now as am keen to see how this could pan out

 

Thanks

Jim

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Keep adding any new charges until you file at court.

 

If you still hear nothing then you need to file at court. Have a read through of this, it will show you what to expect, but just ask if anything worries you.

 

Step By Step Guide - Consumer Wiki

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

Hi

I'm due to file as HBoS has not replied to my LBA letter. With the imminent takeover of HBoS will this affect my claim? comments welcome.

 

Also am a little unsure of how the easiest and quickest way to file a claim. Is there anyone who could possible simplify and bullet point what I need to do just so I have it all correct as I don't want to mess up.

 

Regards

Jim

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There should be no affects on claims. :) So you can carry on as normal.

 

If you are ready to file at court, the best way is to fill in the forms i gave you in the link above. Have a good look at them, you need to make 3 copies of everything. Make sure any new charges are on there.

 

Here is a guide to how you need to fill it in...any help you need, just ask and we will help you. Mistakes at this stage can be costly, so if your not sure..CHECK. ;)

 

This is how to fill in your N1...

 

Your N1 claim form.....

 

Claiment

Jim+ address

 

Defendant

Halifax

Trinity road

 

 

Brief details of claim

Money claim for return of penalty charges applied to the claimants bank account by the defendant.

 

Value

 

Charges.......£xxxxxx

Interest under s69 county courts act 1984......£xxxxx

Total.....£xxxxx

S.A.R - (Subject Access Request) Fee.....£10

 

In the boxes....

Amount Claimed.....full amount

Court Fee ....... (court will tell you)

Solicitor Fee...leave blank

 

Human rights.....NO

Poc....Attached

 

The bottom of the form.....print and sign.

DONE..!

__________________

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Do I need to find out my nearest county court and there charges to put in?

POC Section has lots of text in the library but you have put Attached do I need to explain my claim or just have a spreadsheet attached?

I have my own spreadsheet with costs on do you advise me to use the interest spreadsheet in the library which will calculate the costs for me?

S.A.R fee, do I need to pay this as Ive never asked for this before?

 

Sorry for all the silly questions just want to be sure

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No questions at this stage are silly.

 

Do I need to find out my nearest county court and there charges to put in?

 

The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service - Court Information and Addresses) is not available

 

Court costs...

Court costs...

up to £300 £30

£300.01 - £500 £45

£500.01 - £1,000 £65

£1,000.01 - £1,500 £75

£1,500.01 - £3,000 £85

£3,000.01 - £5,000 £108

£5,000.01 - £15,000 £225

£15,000.01 - £50,000 £360

£50,000.01 - £100,000 £630

 

POC Section has lots of text in the library but you have put Attached do I need to explain my claim or just have a spreadsheet attached?

 

There is a box you tick which says attached. Just put them in with your N1.

 

I have my own spreadsheet with costs on do you advise me to use the interest spreadsheet in the library which will calculate the costs for me?

 

As long as it has all the correct details on it it will be fine.

 

S.A.R fee, do I need to pay this as Ive never asked for this before?

 

If you paid your £10 sar fee, then you can claim it back now.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

I have had a look for courts in Scotland, but can't find any. Can anyone help?

Also once I've filled in the form and printed off 3 times do I need to hand it in at my local court and pay a fee upfront or can I send it off by recorded post?

Do I need to quote in the particulars the dates that my letters were sent?

 

Thanks

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Hi, Jim.

 

When filing in Scotland you need to use these forms......

 

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

 

What town are you in ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, Jim.

 

It's the Scottish Court Forms you need to fill in, just post back here if you need a hand, It's really pretty easy ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

This is my first post here.

I have never been happy for the ovedraft charges me and my partner have been suffering. Those charges are even more painfull as they tend to happen when my partner is off work and we are financially weaker.

The reason I decided to join this forum and challenge RBS is what happened a week ago. I had a DD coming for which i had money to cover but some switch payments I made 5 days before had not cleared from my account yet. When all of them came at the same time I was overdrawn three times and a further fourth and fifth time for something called Guarantee Card Payement(£105) + (£35) for going over agreed limit by another £1.38.

 

I phoned them and they suggested visiting a branch, which I did and was told with extreeme politness to go f*** myself.

 

That was it. I had enough. The first thing I did was just in case open another bank account on A&L where they match my overdraft limit. I am thinking on switching to them ASAP and my cuestion is if this could affect my claim in any way?

I do have all past transactions and all info available, just don't want to deal with RBS any more.

 

Thanks a lot!

Edited by vzzzzzzzzui
Forgot the most important: Thanks!
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An update to my previous post:

 

I was on the limit of my agreed overdraft and today I got my wages paid in. But RBS has decided to take their "share". Just before my wages are paid in the add a "REFERRAL CHARGE" of £30 with which I go overdrawn, which implies another charge.

 

I just finished my claim letter as per template one and just had to mmodify/add latest charges to it. Still waiting for my statutory credit report and will send letter ASAP.

Opened another account on A&L.

 

I feel anxious and realy angry. That makes me even more determined to chase them.

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  • 3 weeks later...

Another quick question:

when filling in question 7 on the form 'state details of claim here....'

It states 'has held a bank account with the defendant since on or before ........... the account number being 0000000'

Does this refer to the date the bank account was open or todays date as it says 'DATE HERE' in the help section.

Sorry for the really silly questions just don't want to look even sillier if this goes to court!

Thanks

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Hi, Jim.

 

In 7. you put the date the account was opened.

 

In 8. What does it say, if it's a Summary Cause Summons,leave blank, the Sheriff Officer will fill that in.

If it's a Small Claims Form, I did not have a box 8 ?

 

Regards.

 

Scott.

Edited by maroondevo52
Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, Jim.

 

Yes the 2 forms are the same, just leave box 8. blank.(the Court will fill that in) as they are serving the Summons.

 

You only have to hand in one copy of the Forms to the Court, and make one copy for yourself.

 

So that's 4 sheets of paper.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi

That's me done the form's. I am going to my local sheriff court tomorrow as I am off work for the day. I will hand in my forms along with the £39 and hope for the best.

 

What, in anyone's experiance, likely to happen next?

I will ask at the court but just wondered from peoples previous experience what the likelyhood of this dragging on to court?

Also, has anyone ever gone to court and lost?

 

Thanks

James

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Hi, jim.

 

I take it's a Summary Cause Summons, the court will send papers back to you and you will have to take them to your local Sheriff Officers office and ask them to serve them on the Defender.

 

The Court will give you a list of your nearest office. It cost me £15.75 from memory :rolleyes: With most of my claims as soon as the Sheriff Officers served the Summons, the Bank got in touch offering me the full amount, plus costs, including the Sheriff Officers fee.

 

Good luck with that.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I went to Glasgow sheriff court today (bit of a nightmare!)

Handed the form's in though but had to find out additional branch details for HBoS as the Halifax main address isn't covered under the juristiction in Glasgow. Just called them and ask the address of my local branch etc etc.

Cost me £60 to serve the summons (I thought it was cheaper) apparantly it's £15 if under £200 claim, over £200 is £60.

 

Fingers crossed, I know it's only a small amount (£231) but with the current economic climate it all add's up!

 

Will update once I hear any news.

 

Anyone been in a similar situation recently and can offer any advice/comment.

 

Thanks All

Jim

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Hi, Jim.

 

With my claim against Cap 1, who don't have any branches, I put on the form........Edinburgh Sheriff Court has jurisdiction as the monies are to be paid to the persuer in Edinburgh.

 

Luckily for me it worked and they paid out as soon as they received my summons ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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