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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.  
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      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.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Student Protest v RBOS


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I am a student and a very disgruntled customer of the Royal Bank of Scotland - a bank which in 2002 entrapped me into taking out a high-interest loan to pay off student overdrafts and has also previously screwed money out of me in hidden charges and interest payments.

 

At present, I am looking to take the RBOS to court, through the banking ombudsman, which I hope will highlight the role this bank plays in entrapping vulnerable students into taking high-interest loans and credit cards, causing them to drift further and further into debt.

 

What I want to do is start a national campaign urging current students, young people about to start university/college as well as other people affected by the Royal Bank of Scotland, to mount a boycott of this bank and its services. I am looking to enlist the support of the National Union of Students. Even if we just convince one person not to enter any RBOS building or use its services that will be seen as a success and hopefully the beginning of a snowball effect.

 

This bank makes over £8 billion a year in turnover. One by one, we need to convince people to avoid this bank like the plague.

 

If you are a student affected by any problems relating to the bank please follow the thread. I would like to hear your story. The more people who are willing to come forward and air their problems, the more we can, to coin an ironic phrase, 'make it happen' and bring pressure to bear on this bank and hopefully, run it into the ground to make its employees and fat cat bosses see what it feels like to be shat upon from a great height.

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I'm not a student, but found myself in a similar position.

I'm currently on a career break looking after two toddlers and as such have no personal income at the moment. They tried to coax me into taking out a loan to pay off my overdraft - which was only £400 - hardly a huge sum.

 

I asked the adviser how I'm expected to repay a loan to them with no income (and how I would qualify for a loan after they dragged my previously perfect credit record into the ground) and was told it 'would be the best option for me'

 

Does this sound like a bank that is concerned about it's customers, or it's profits?

 

Luckily I've paid it back anyway and am in credit so they can't touch me at the moment.

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I am glad you are in the black. I can actually believe that this bank tried to do this to you. This bank will try any under-handed technique to try and boost its coffers. Is it any wonder why it made a profitable turnover of £8 billion last year. The fat cats must be lapping it up.

 

I am making it my mission to throw a huge spanner in the works of this bank. I want people to see it for what it really is. The people running this bank do not realise that when you push somebody too far, all hell can break loose. This is a company that has no feelings or empathy towards the plight of those in debt or vulnerable people. To the bank, people like us are easy prey. Not anymore.

 

Ideally, what I would love to do is organise is a blockade of this bank. A nationwide front door protest blocking people from entering the RBOS branches right across Britain would be an ideal way of running this bank into the ground. The harm in terms of negative publicity it would do to the bank and its custom would be irrepairable. It is just a case of unifying people into a common cause.

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Action needs to be taken. There needs to a protest which removes this fear. The banking industry has similarities with the cigarette industry. It is all one big con trick just to get your money.

 

This website is about empowering people to control of their actions. The bank are monsters who thrive on our custom and in nearly all of the cases of the people who are in this forum, these banks have tried to exert control over them. This website is proof that people can rage against the machine. If the entire student population could send out a message and vote with its feet, other people would see the light.

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Hey There :)

 

I'm a student who has a student account with RBS.

 

To be honest with you, RBS do offer (in my analysis) the best student account available at the moment and the only problems I've had is the charges on my account. I have to say that the account itself is actually quite good (obviously my opinion) and the staff in my branch are helpful and always chatty.

 

The assistant manager at my branch was actually quite impressed and intrigued as to the whole 'unlawful bank charges' issue and she was actually quite supportive of what I was doing. She stated that the bank staff within the branch don't know the legalities and the ins and outs of the charges issue and were starting to see a number of similar claims streaming through their doors. Obviously I was happy about this and told her so :)

 

This is just my opinion, I'm now on claim number 2 with RBS so I'm not their happiest customer, but they are a HELL of a lot better than HBOS student facilities or HSBC (not that I'd know, I'm only supposed to have 1 student account) :)

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

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Guest NATTIE

In view of your protests against RBS and I am being devils advocate, you need to boycott Cricket NW series, Rugby 6 Nations, Tennis Andy Murray no1 world seeded british player(rbs Sponsor), Formula 1 sponsors f1 team, Golf (some tournaments as well as some SkySports coverage) The queen (banks with Coutts and co), RBS,Churchill, Tesco Personal Finance, Direct Line insurance. Also you need to boycott those who use I do understand your frustration. It is worth making sure that Student Unions do tell students(UK and overseas) about this site and unlawful charges

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This is something that a few of us aim to get across. In the coming weeks, global emails are going to be sent to all student union representives right across Britain petitioning them to take action, in particularly during Freshers Week. The students will be informed of this site and currently students especially, should be encouraged to claim back what is rightfully their money.

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Guest NATTIE

I would suggest that if you can you get it translated into various languages because foreign students are usually the ones who do get charges and may be unaware that they are unlawful.

One point I would disagree with is that if you simply choose one financial institution ie RBS Group to boycott, then you miss HSBC(no1 in profits), Barclays, Abbey, Halifax etc etc who follow a similar regime of charges. If the Students set up their own bank then any boycott of banking facilities could work. I think the best protest is when you empower people with knowledge to claim all charges back from which ever financial institution they are involved with

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I totally agree. My initial objective was to target one bank. You are right. All of them need to be targetted in one form or other. The means of production must be attacked at all angles. As for the foreign students. They will be catered for.

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Sorry that I could not reply to your message Natweststaffmember in full earlier. I was distracted by my boss at my summer work peering over my shoulder. He was curious about what I was doing!

 

Yes, the idea of an free and independent bank for students is a fantastic thought and would empower many to challenge the system. It would have to be free of charges and accountable to all its members with them being informed of where every pound and penny goes from the bottom upwards. It would also have to be accountable from a perspective that from the very bottom level, people can access those at the very top without question. Accountability would have to stretch right across the organisation. No corners must be cut.

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Guest NATTIE

I'm not sure about free from charges but charges that reflect the realistic cost returning a DD etc, etc, The site is not about the unfairness of charging per se, but about the amount of the charges involved in relation to the actual cost that is involved in itself.

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I have sent out an email to the NUS. You are right about the protest. The plan is to get each and every student to fill out a template which they can get either from this website or it will be globally emailed, which they fill in and hand in to their bank during Freshers Week. Attached to template will be step-by-step instructions which will be translated. In am working on the Spanish version as that is my second language. If the students can do this en masse, this would empower them by throwing one massive spanner in the works of the bank and desevedly so.

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