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    • 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.  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) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  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 to £60 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 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)  
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rizel123/Hardship claim ****WON****


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By their own admissions timescales can no longer be guaranteed....they simply have not got the resources or manpower to deliver in all cases by 12 weeks.

My mate submitted his app in September.There followed half a dozen letters between Lloyds and him over 2 months.

The Fos then continued to send 4 weekly updates basically saying they were still looking.....and looking.....and looking.....he finally had a final response from the FOS in June-9 months AFTER filing the complaint and over 24 letters later.

Cag is littered with stories of similar cases.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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In the OFT consultation into their work and funding year on year from 2009/2010 2010/2012...they admit there will be a reduction in funding and also talk of trying to encourage staff to stay in their employ for longer they speak of high staff turn over.

This is not suprising given that staff have to explain to irate complainants so often - the reasons as to why theres nothing to report on their case.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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By their own admissions timescales can no longer be guaranteed....they simply have not got the resources or manpower to deliver in all cases by 12 weeks.

My mate submitted his app in September.There followed half a dozen letters between Lloyds and him over 2 months.

The Fos then continued to send 4 weekly updates basically saying they were still looking.....and looking.....and looking.....he finally had a final response from the FOS in June-9 months AFTER filing the complaint and over 24 letters later.

Cag is littered with stories of similar cases.

So it's not a clean case then?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Guy is on JSA with threatening letters from his utility suppliers.

Lloyds took 2700 in charges.

He paid many of them but in the space of 4 months went from having a balance of £51 overdrawn to £1275 overdrawn.

FOS said that he was not entitled to a refund since the question as to whether Lloyds had taken unfair unauthorised overdraft charges was not yet settled in the Courts.

They therefore said since Lloyds had frozen interest they were compliant to the waiver.

They were still entitled to attempt to recover the £1275 from him by whatever means.

They also said he could file a claim for the 2700 (which with 8% interest is £4,100)..but that it would be stayed

Which we already KNOW.

I have since helped him to file an N1 and Lloyds have been informed.

Suprisingly there has been a distinct silence from Lloyds.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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good god, some people have it really bad from above post!

 

Well i'm extremely happy with getting this sorted with the help from everyone on this forum, yes it was not a massive case, but to be honest, bar one phone from collection department demanding £500 RBS have been very good and seems stuck to the rules.

 

I haven't offered anything in terms of repayment, I'm sure they will contact me shortly though! lol

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well had letter confirming accpetance of charge refund other day.

 

Now this seems strange, i signed the form, accepting the amount offered, and also signed a form accepting new debit card, but they want me to sign in branch, i'm i looking to into this? thanks (heres letter)

 

http://i40.tinypic.com/2yvja0l.jpg

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  • 4 months later...

Hi all, i currently have a student account with RBS with overdraft of £1850, i had a previous thread that won a hardship case due to illness and lack of work after i graduated, and to RBS's credit they have frozen the interest and accepted a token payment of £5 a month :???:

 

I've just got a job, all be it low paid and still struggling with other bills but my grandfather said he could offer me £400 pounds, is it worth offering RBS this as a full & final settlement or will they simply laugh at me? Thing is if i could stretch to £20 a month on a repayment it will take forever to clear, all be it at 0% but sure they will want more in time! thanks!

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  • 3 weeks later...
  • 3 months later...

well it seems it hasn't taken RBS that long to get through the Hardship cases after the courts decision

 

http://i47.tinypic.com/69nw47.jpg

 

Can anyone please advise on what best to do, i was repaying RBS £10 a month to reduce the balance with interest frozen under Hardship, seems they are now taking this away, can they do this by law? I can stretch to £20 a month but no more but with interest I'll be back in the position i was in the first place with them! arrahhh!

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  • 3 weeks later...

What is the current overdraft limit and what is the outstanding balance. can you give an estimate of interest you were paying previously which might help to work out if you will be worse off as a result of this. Are you still in financial hardship (ie priority debt arrears)

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The current overdraft limit is £2000, and i currently owe £1850, part of it is\was interest free as it was a student account & i presume changed to a graduate account. I agreed to pay £5 a month as i was on jobseekers, now have a job and a little more sorted so was going to offer to up my repayment to £40 a month before they said they were takeing away my hardship status & adding interest!

 

the interest rate is currently 9.9% APR, the first £1000 is interest free untill June\July'ish this year as that will be 3rd year after i graduated (2007) so obviously interest repayment will go up again.

 

I now have a job but still have outstanding credit card balances (whhich i'm challenging, managed to pay back HSBC 2K since working but really want to get this sorted so not sure if i would still qualify for hardship but seems mighty bad of them to just take it away instantly because of court case. I just want to get a repayment plan sorted with them.

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If you graduated in 2007, the interest free overdrafts would be:

 

2007-08 £2000.00

2008-2009 £1000.00

2009-2010 £500.00

 

Can you clarify the dates that natwest have for you graduating cos it would appear as though you may only have £500.00 interest free.

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  • 5 months later...

Hi all, i need to contact RBS via post following up my overdraft rate, it has gone up from £10 a month interest to £30! Does anyone have postal address as i think the or is it still this? As heard they where closing some down? thanks

 

5th Floor, Tay House, 300 Bath Street, Glasgow, G2 4RS

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  • 2 weeks later...

I opened a student account with them 4 years ago with a 2K overdraft, this was interest free then moved to a graduate account. I was out of a job after Uni and ill and could not have worked even if i had found one. I started paying back the over draft at what i could afford (£35 a month) and have got it down to £1800, now the account has changed into a standard account and interest has gone from £6 a month to £29 so of my payments £6 will reduce the balance :-(

 

Is there anything i can request to see what terms and conditions i signed up for as i can't find my original paper work.

 

I have written to RBS with my concerns about the high amount of interest rise and they basically told me it was what i signed upto. Thanks

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Well they would say that wouldn't they,

Have you asked the bank for a copy of the terms and conditions applicable to the account at the time of opening?

You could always send a SAR to RBS, it cost £10 , but they have to supply all the data they hold on, but wether this would include the terms and conditions I don't know.

 

A CCA request would not be applicable as it is not a credit agreement as such , but an over draft.

 

I would wait and see what others have to say, but I see no reason why you can't ask to see a copy of what they are saying you signed up to

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You could always send a

SAR
link3.gif
to RBS, it cost £10 , but they have to supply all the data they hold on, but wether this would include the terms and conditions
link3.gif
I don't know.

 

Send the SAR to RBS data controller

Joyce E Tudor

Regulatory Risk

Business House B

PO Box 1000

Edinburgh

EH12 1HQ

 

Ask for all documents , inparticular request a copy of your overdraft agreement.

 

Which department responded to your initial request ?

 

Debs

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  • 3 weeks later...

Thanks for the replies, just had time to follow this up.

 

I had a reply from Alasdair Stewart, Senior Business Associate, Tay House Glasgow.

 

I shall reply to him requesting this is now a formal compliant until I see the overdraft agreement i signed up-to along with the original T&Cs and include £10 cheque and the SAR Request, does that sound about right? thanks

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