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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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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • 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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sent template letter got this reply


titanium_man
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got this this morning

 

RE: ACCOUNT CHARGES FOR OVERDRAFT EXCESSES AND RETURNED ITEMS

 

Thank you for contacting us about your complaint i am sorry that you feel we,ve let you down.

 

CONCERNS

Before i go any further i think it would be helpful if i set out my understanding of your concern:

 

you feel that the charges you have incurred are contrary to the unfair terms in consumer contracts regulation 1999.

 

you are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items.

 

you have requested that all charges incurred should be refunded for the past 7 years.

 

 

Background/circumstances

 

When you become a customer ,we give you details of any charges for the day to day running of your account. Details of our charges are also available from our branch staff, telephone helpline or our website, While banking with us can be completely free, we apply charges if a customer does not have enough money in their account to meet payments they have requested us to make.

 

you incurred charges because you did not insure funds were available in your account to cover the payments set up by you. It is your responsibility to operate your account within any agreed limits.

 

As a business we are entitles to set charges to cover additional work. These charges are not hidden and are notified in the guide to banking charges leaflet we produce..

 

We advise out customers to ensure cleared funds are available in their accounts to meet payments due. You will also note that in the front of each shequebook we request that funds are availible before cheques are iaaued.

 

You accepted these terms when you opened your account and when you agreed your overdraft. We did not agree to pay your account on excess of the amount agreed without charges being made.

 

THIS IS WHERE IT SCARES ME

 

My Conclusion

Accordingly, i am unable to agree with your request to refund the charges. We do expect your account to be run in line with the terms and conditions of its operation, this means that you must ensure that cleared funds are deposite into the account the working day before any paymens are due. If you do not feel you will be able to run your account in accordance with the terms and conditions, we may have to consider withdrawing certain facilities such as debit cards, overdrafts and chequebooks, Alternatively you may wish to consider alternative banking arrangements.

 

what happens next?

 

 

I realise that you will not be happy with my response, but you can ask the financial ombudsman service to independently review your concerns, I have enclosed their leaflet that outlines how to contact them. if you do want them to look at your concerns, they need you get in touch with them within 6 months of the date of this letter.

 

yours sincerely

 

mandy horton

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This is very Lloyds. They seem to be more vindictive than the rest. however, the case against them is stronger than the others thanks to their ex-head of personal banking Peter McNamara whose interview and transcript are in the Library.

 

Get ready to move accounts. Get a parachute account.

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titanium_man I also notice the letter from them says you are asking to be refunded for the past 7 years ............. You are only allowed to claim back for 6 years .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Claim as far back as you want. Frankly i would even say to include the 7 year figure in your court calim.

 

It is up to them to draw the limitaion period tothe attention of the judge.

Even he judge doesn't have a duty to exclude the claim of the defendant doesn't plead the Limitation Act

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  • 10 months later...

Help, i sent the prelim template letter for current account bank charges along witha schedule of my bank charges and i got a similar letter from Lloyds is says the following:

 

Thank you for getting in touch with us. I am sorry that you are unhappy about your account charges.

 

Like any business we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment this always means extra work and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft or tell cust2omers we can't agree it. We feel it's fair to charge for this service.

 

Of course it's only too fair too that wea re completely open about any charged for services before you take them up. That is why we take care to give every new customer the latest guide to our charges. you can also get up to date details about fees and borrowing rates at all of our branches through our helpline and or our website.

 

Just as importantly we do everything we can to help our customers avoid these charges altogether. I am sure you will know how easy it is to keep running a check (SHE GOES ON ON ON AND ON ABOUT PHONE BANK, INTERNET BANKING AND TELEPHONE BANKING AS WELL AS USING CASH MACHINE STO CHECK YOUR BALANCE AND THEN EXTENDING YOUR OVERDRAFT).

 

You have mentioned the new guidleines from the office of fair trading on creidt card default charges. We do not agree with OFT's thinking on this and we are still talking it through with them. But important point is that the guidelines are about default charges that people pay when they break an agreement with us. the fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you have not broken your agreement. They are our prices for the service we provide in these situations.

 

I do hope that you can see that we make our charging system as fair as possible and why i cannot agree to cancel you charges.

 

Please let me know if there is anything else i can do if we cannot come to an agreed solution after this i will help you refer your complaint to the financial ombudsman service for independent advice.

 

If you are happy with the way i have dealt with your complaint there is no need to reply to my letter. If i have not heard back from you by the 07/03/2007, i will close my file though i will be happy to reopen it should you come back at any point afterwards.

 

Debbie Gilbert.

 

What should i do now??????????

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Hi Debbie,

 

Firstly you should begin your won thread by clicking here. Having your own thread means you can easily chart your progress and it makes it easier for others to follow and to answer your questions. :)

 

The response you have got is their standard response so don't be concerned - it is their attempt to fob you off. Wait until the end of the 14 day deadline you gave them and then proceed with the LBA.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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do i use the same letters with credit cards as i do with reclaiming bank charges

Hi

Yes you do.

You should start up your own thread, and ask any questions on there.

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 12 years later...

This topic was closed on 03/06/19.

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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