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    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • 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.  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) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 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 contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No 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 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 this document.  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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. 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 2) 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. 
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Halifax a/c closed due to reclaiming charges?


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Hiya

 

I am addicted to this site - I find it so interesting being able to see how other people are doing with their claims. I was just wondering if anyone has actually had their bank account closed by the halifax following fees being reclaimed?

Halifax Preliminary Request £1125 9/8/06

Standard reply received 17/8/06

LBA sent 26/8/06

Moneyclaim filed 22/9/06

Moneyclaim acknowledged 27/9/06

Paid in Full 8/10/06

 

NatWest 9/8/06

Standard Reply 21/8/06

LBA Sent 26/8/06

Moneyclaim filed 22/9/06

Moneyclaim Acknowledged 27/9/06

Response to CPR18 Additional request 1/11/06

Allocation questionnaire filed 17/11/06 (Cobbetts filed theirs 16/11/06)

50% offer Declined 6/12/06

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  • 5 years later...

Yes they closed my cheque account after a few weeks. They offered half the amount, I claimed I cannot remember whether I took it (I am ill) don't think I did as it was less than £200 and was hoping the case would win and I would get the full amount.

 

Anyway I am long term disabled and not having a debit visa card is very hard for me I constantly have to use my boyfriend or mothers card or even my son's to buy anything over the phone or on the web.

 

I asked them to reopen the account but they told me to apply for a new one and they turned me down twice :(. I know I don't have the best credit rating but I have a savings account with them for my benefits to be paid into which they didn't close and as I had an ongoing account I cannot understand why I am being penalized for doing what millions of others did. :jaw:Also I had been with them for years.

As I am not 'goodly creditworthily' I cannot get an account anywhere else either. Can anyone please advise me whether or not I can legally get my account reinstated/

 

Thank you in advance.

Lady

 

PS. I had to laugh at one of the threads where someone said that being a democracy the banks shouldn't be bound to do business with people they don't want to and then recently all the bailouts. OK then, we shouldn't have to bail them out then :|. What was all that about anyway? As you can see I am no financial wizard but I do believe in fairness and banks are less than fair.

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Thanks for letting me know about that.

I am going to look at the account but if that is the price whether you use it or not that is absolutely mad, I couldn't afford to have one actually. I think anyone who can must be not on benefits lol which is part of the problem.

Cheers anyway

Ladydawn

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Hello and Welcome, Ladydawn.

 

Not sure if you noticed but this is a very old thread from july 2006.

 

My account with HBOS was closed after I reclaimed charges, I had it for about 25 years, that's how much they value your custom, they don't give a jot !!!

 

Good to see you on the Forum, hope you enjoy your time here.

 

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.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks ever so much for you nice welcomes.

Yeah they don't really value our custom at all, none of the big companies do sadly, and the old independent family companies are no more (hardly)::evil:.

The guaranteed approval bank I looked into seem to have an aweful lot of control over your financial affairs. The money management that is offered seems more like we take hold of your wages/benefits and you can't have any money if you don't leave our required amount in for your bills :|., May seem sensible if you have capital but some of us don't and we have to rob Peter to pay Paul some weeks and still avoid bank charges in order to get food in the mouths of the family.

Banks seem to think everyone has enough for everything, they just don't live in my world otherwise I wouldn't have been desperate to claim back a paltry £360 charges in the first place :O.

It is sad but people in our financial situation really cannot afford to do business by bank, as charges or monthly fees accrue too easily. My grandmother/grandfather's generation of working class hated banks, I can see why.

Take care all

Ladydawn

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I know where your coming from, and now with the adds on the telly telling you they are now your best friend and good honest caring Banks, total hogwash.

You should be able to get a Basic account with most Banks, I got one with the co-op and my credit ratings trashed !!!

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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Good on the Co op. I live in a small town, only 4 banks, the Natwest won't have me, Halifax of course is a nono, will try a basic with Barclays and HBOS (hey you never know), well I can imagine they will turn me down for looking after my money, stupid idea, charging people for holding their money when you have designed a society where it is essential. I don't even want to borrow anything off them :|

Blehhh I do rant sorry.

lol thanks will try the Co op online if it exists :)

Ladydawn

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lol thanks will try the Co op online if it exists :)

 

Yes, all mine was done online, thats the co-op "good for everyone" !!! :-) someones talking mince and it's no me !!!

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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