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    • 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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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Can someone help me please?


jack
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I have studied this great site over the last 2 weeks and i have now taken that leap into the unknown and prepared to go all the way, the playground bullies will no longer take my families dinner money. Sent DPA today to LLoyds and ABBEY registered delivery. Best look to everybody.......

-------------------------------------------

1st letter sent DPA 18/4/06 Lloyds Rec Del

1st letter sent DPA 18/4/06 Abbey Rec Del

DPA request arrived from lloyds 29/4/06

sent request for payment to lloyds 3/5/06 rec del

Recieved standard letter from lloyds regarding request for payment 06/05/06

Send LBA 16/05/06

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No. but i will in 40 days time. Her in doors said about 1K, i just laughed. I think she will be in for a shock.

Will let you Know.

 

 

 

Jack..

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Guest Lueeze

Im estimating mine at 5k but alot of people have underestimated what they are owed and get a real surprise when they find out exactly how much the Bankers have taken from them....:rolleyes:

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My wife has a Lloyds credit card. she has just recieved a letter from the collections dept informing her that she is over her credit limit, this i know is all due to charges

imposed on her. They also outline charges that will be applied if the account remains out of order ie 1. Spending more than credit limit, 20 pounds. ( What they realy mean is going over your credit limit due to punitive charges ).2.Payment not recieved by the date shown on statement 20 pounds.

What does concern her is the last paragraph. Quote- As you are aware,the T&C relating to the Credit Card Agreement authorise us to transfer balances held in any current or savings account you hold with us or Lloyds TSB Scotland to pay off overdue sums of your credit card account. Can they just dip into my current account?.

Also can anyone give me a name and address to send a DPA letter, or do i send it to the Collections Centre?.

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I would open up a new account elsewhere and stop using the Lloyds ones so if they do dip into your accounts they'll be empty - this of course could lead to charges and O/D situation on your old accounts, but you know you can claim it back...

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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it would appear that they can indeed dip into your other accounts to offset the debt...

Really bizarre when they DON'T use the same rules to balance your accounts when one of them is going to go overlimit...again, they play their own rules to their own ends...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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And to answer your question, it would appear that they can indeed dip into your other accounts to offset the debt... Despicable, but they can do it anyway...

 

The do do this but you know, I have a feeling that if it was subject to a challenge in court they would be on a bit of a looser. Going back to UTCC regs 1999 section 5 as the contract was unilaterally constructed in a pre-formatted nature as this Term would be, might be argued as unfair.

The law maybe reason without passion as Aristotle said, but hey, he said nothing about having fun when getting even!

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal expereince. For legal advice you must always consult a registered and insured lawyer.

 

 

Reputation Points Always Welcome

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  • 2 weeks later...

I have recieved the information i requested from lloyds yesturday and i am now

working out what they owe me.

 

Having looked at the prelim letter it says charges plus interest, now my question is when it states EG: CHG O/Draft INTEREST X.00DR

am i trying to claim all those back? or is part of the interest charge legit on the banks side for the useage of the O/D if this is the case can anyone explain how to work out who's is who's?.

Many thanks

Jack

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Yuo can claim back the o/d interest only on the unlawful charges that they have made. If all of the o/d interest charges are due to penalty charges then you can claim it back. If they are not then it becomes difficult to calculate.

 

Most people seem to be leaving it out in these circumstances. It also means that if it did come to court you could say that you have been generous in allowing the bank to keep the interest that they charged you and this would certainly more than cover the true costs of not paying d/ds chqs etc

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The only 'legit' charges are if you pay a set monthly fee, for instance, but if these charges you refer to are not part of that then they too can be claimed.

 

Keep reading through the FAQ section, which will help you get up to speed on these, and many other issues. Unfortunately, there is no short cut....

 

John

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 3 weeks later...

On the 18/4 sent DPA letter and recieved statements 5 days later.

Then sent request for payment on 3/5 recieved the usual reply back on the 6/5.

 

I have waited 14 days can i now send LBA letter. What has confused me is that

they sent the statements so quickly.

 

Jack

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Yes, you can; if the 14 days you gave them in the preliminary approach for payment has expired, send the LBA now. Give them another 14 days, don't crack and phone them, and when that 14 days expires with no (positive) response from them, put in your claim to the courts. If they offer partial amounts, accept them AS PARTIAL SETTLEMENTS and accept no conditions, and reiterate that you are pursuing the rest.

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  • 1 month later...

Im in the same boat as feralkat, i have been working away but before i left i had been through all the stages to the point of sending the LBA on the 17 may, had the reply saying final word to refund NO, also mis calculated asked for 90 pounds less than it should have been that is just on charges. I have not communicated with the bank other than the standard letters sent, was this the right thing to do?.

 

I have now filled in the spreadsheet for charges and interest at 8%, should i send the bank a copy of this with a covering letter informing them that this is the amount to date that i am claiming through the County Court?.

 

Moneyclaim is where it get very confusing claiming interest,

 

1. The date that money became owed to me. is this the first entry date on the spreadsheet?

 

2. What is the date of issuing claim? is it the date you submit it on the net or the date the bank should recieve it?.

 

3. Moneyclaim also states enter the daily rate of interest, what is it?.

 

Hope someone can help me i will be most greatful to the sum of 5% to this great site.

 

 

Jack

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Im in the same boat as feralkat, i have been working away but before i left i had been through all the stages to the point of sending the LBA on the 17 may, had the reply saying final word to refund NO, also mis calculated asked for 90 pounds less than it should have been that is just on charges. I have not communicated with the bank other than the standard letters sent, was this the right thing to do?.

 

I have now filled in the spreadsheet for charges and interest at 8%, should i send the bank a copy of this with a covering letter informing them that this is the amount to date that i am claiming through the County Court?.

 

Moneyclaim is where it get very confusing claiming interest,

 

1. The date that money became owed to me. is this the first entry date on the spreadsheet?

yes

 

2. What is the date of issuing claim? is it the date you submit it on the net or the date the bank should recieve it?.

when you actually make the claim on the internet

 

3. Moneyclaim also states enter the daily rate of interest, what is it?.

 

depends what your total amount comes out at because then you have to multiply it by .00022 to get your daily rate of interest

Hope someone can help me i will be most greatful to the sum of 5% to this great site.

 

 

Jack

 

mechs

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Five threads merged - please stick to one thread!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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