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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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Is the pressure getting to Abbey?


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I've just had a letter from Dawn Hoyle saying it's taking more than the originally anticipated four weeks to reply to my "complaint". In previous correspondence she's been described as "Head of Customer Satisfaction". She's now metamorphosed into the "Head of Complaints"!

 

Perhaps they've given up on customer satisfaction...

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Don't give her the 4 weeks. Stick to your targets. They have the money to get extra help if they want it. They don't seem to realise that they are goig to need extra help long-term!

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Don't worry. The DPA expiry date is 26 March. If they haven't let me have the information by then, then it's off to the Information Commissioner and I'll be suing on an estimated basis. I've made this very clear to them.

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And include a claim for their breach in failing to supply you with the data

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I'm suggesting this on the basis that there must be an implied term that they will comply with UK law. This measn that there must also be an implied term that they will comply with resonable customer request which invoke their statutory duties. Therefore it must be a breach of the duty to fail to comply with their statutory duty.

So there is the breach. You are right, you have to identify a loss. It could be the cost of chasing them on it plus your £10 fee which presumably they have not returned to you (I hope that you have paid it) and in the extreme scenario youcould get an injunction without too much fear of it leaving the small claims track.

 

However, I think that once their lawyers saw the breach included in the claim, the word would go out pretty smartish to comply.

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After yesterday's letter saying that they needed another four weeks, I have today received a response to my complaint.

 

Mrs Tracey Valentine produces the usual spiel about how they believe that the charges are fair. A couple of interesting points though:

 

1) "I note you say you are unhappy with the charges you have incurred over the last six years. If you felt at any time the charges were unfair or incorrect, then the matter should have been raised at that time". I don't think I've seen this before so I'm wondering if it's an attempt to develop a new line of defence.

 

2) "Abbey's Current Account is good value and our charges compare fairly with other banks. For most people banking is free and they do not incur penalty charges" Oops.

 

3) "If the complaint escalates into a claim in the County Court, we will review each case individually and if we feel that our relationship with our customer has broken down completely, we may decide to give notice to close the account unfrt the Terms and Consitions" As the account is already closed I'm not exactly quaking in my boots but this seems to me to be a pretty desperate threat.

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After yesterday's letter saying that they needed another four weeks, I have today received a response to my complaint.

 

Mrs Tracey Valentine produces the usual spiel about how they believe that the charges are fair. A couple of interesting points though:

 

1) "I note you say you are unhappy with the charges you have incurred over the last six years. If you felt at any time the charges were unfair or incorrect, then the matter should have been raised at that time". I don't think I've seen this before so I'm wondering if it's an attempt to develop a new line of defence.

 

2) "Abbey's Current Account is good value and our charges compare fairly with other banks. For most people banking is free and they do not incur penalty charges" Oops.

 

3) "If the complaint escalates into a claim in the County Court, we will review each case individually and if we feel that our relationship with our customer has broken down completely, we may decide to give notice to close the account unfrt the Terms and Consitions" As the account is already closed I'm not exactly quaking in my boots but this seems to me to be a pretty desperate threat.

Can you send a copy of this letter to research@ please. Thanks

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No problem, I'll scan it later.

 

Looking at the rest of the letter I may have a DPA problem. The original letter I sent was the draft which included 7 days notice and the DPA request. I didn't send £10 as I believe that this is not required unless they ask for it. I have sent them two reminder letters about the ticking clock on the 40 days and the deadline is 26 March.

 

Abbey's latest letter of the three I've received is the first to acknowledge the DPA request. They've enclosed their form and have asked for £10. They are either hopelessly incompetent or they are hoping to delay things further.

 

My inclination is to send them £10 but demand that they provide the information by the 26th. I think that this is reasonable as they failed to acknowledge the application until now despite being reminded about it. If they don't provide the information by the 26th, I propose to complain to the Information Commissioner and sue on an estimated basis. In some ways this might be the best outcome as I think they owe me in excess of £5k and I will sue for £4.9k now and look at using their non-compliance as the basis for negotiation or even a second action.

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Technically the 40 starts when they have payment, but you could argue that because they wre so dilatory and time wasting that it should start from the date of your reminder. I don't know if it work but might be worth a try.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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I have a separate thread for my action but just as a matter of interest I have had a letter from Dawn Hoyle today saying currently investigating complaint raised 4 weeks ago (I didn't write to her nor has she been in touch with us before so couldn't understand it). It sounds pretty much the same as the letter in this thread. I notice that the signature is printed and I took the view it was a standard letter and probably one of many. The wording is not quite right for my complaint.

Looks like Abbey are in a flap and possibly inundated with correspondence.

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Technically the 40 starts when they have payment, but you could argue that because they wre so dilatory and time wasting that it should start from the date of your reminder. I don't know if it work but might be worth a try.

 

I made a DPA request to abbey's DPA department, they sent my cheque back and said they are passing it to complaints department and that they try not to make access requests if its not needed they will provide the print outs/ statements free of charge.

so how comes they request some people to pay the £10 and others not to? we are all reqeusting the same information?? :roll:

Natasha

 

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)

sent reminder email on 17/4/06

called abbey on 19/04/06 to remind them:rolleyes:

sent another email on 26/04/06:mad:

Approx charges £2500

received £500 refund in dec 06

sent LBA

Capital one- sent DPA letter 17/03

Sent prim letter for charges of £260 14/04

Received a refund £109 awaiting further refund of £151

Settled IN FULL

Barclay card- Sent DPA letter 17/03 sent reminder 14/04

received info claiming £120

settled in FULL

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They may be trying to avoid giving a full disclosure because it will show that there have been no manual interventions - which has been the piece of wreckage the banks have been hanging onto recently.

 

The choice is yours: take the free statements or insist on full DPA disclosure(which may or may not be useful later).

 

I'm sorry, I cann't give a more definitive answer thatn this.

 

Maybe admin or the other mods?

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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I made a DPA request to abbey's DPA department, they sent my cheque back and said they are passing it to complaints department and that they try not to make access requests if its not needed they will provide the print outs/ statements free of charge.

so how comes they request some people to pay the £10 and others not to? we are all reqeusting the same information??

 

They are not entitled to do this. If you are satusfied with their response and are content to receive statement alone then fair enough. however, if you have asked for full disclosure including evidence of manual intervention then you should return the cheque with a stern letter saying teling them that they are acting in violation of the DPA and that the clock is ticking and that if they do not comply that their refusal will be included in any claim and that their letter of refusal (which I hope you still have) will be shown to the court as part of your evidence and to the IC to whom you will be makng a complaint.

 

Can we have a copy of the refusal letter please. Scan to [email protected]

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Thanks Guys i dont have a scanner but if you pm me your address i will send a copy to you.

Natasha

 

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)

sent reminder email on 17/4/06

called abbey on 19/04/06 to remind them:rolleyes:

sent another email on 26/04/06:mad:

Approx charges £2500

received £500 refund in dec 06

sent LBA

Capital one- sent DPA letter 17/03

Sent prim letter for charges of £260 14/04

Received a refund £109 awaiting further refund of £151

Settled IN FULL

Barclay card- Sent DPA letter 17/03 sent reminder 14/04

received info claiming £120

settled in FULL

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No problem, I'll scan it later.

 

Looking at the rest of the letter I may have a DPA problem. The original letter I sent was the draft which included 7 days notice and the DPA request. I didn't send £10 as I believe that this is not required unless they ask for it. I have sent them two reminder letters about the ticking clock on the 40 days and the deadline is 26 March.

 

Abbey's latest letter of the three I've received is the first to acknowledge the DPA request. They've enclosed their form and have asked for £10. They are either hopelessly incompetent or they are hoping to delay things further.

 

My inclination is to send them £10 but demand that they provide the information by the 26th. I think that this is reasonable as they failed to acknowledge the application until now despite being reminded about it. If they don't provide the information by the 26th, I propose to complain to the Information Commissioner and sue on an estimated basis. In some ways this might be the best outcome as I think they owe me in excess of £5k and I will sue for £4.9k now and look at using their non-compliance as the basis for negotiation or even a second action.

 

Nothing in the post today and I'm not expecting them to courier it over.

 

Hi ho, it's off to court we go...

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Unless you're in a big hurry I suggest you start again by sending them £10 with a standard dpa request letter (don't fill in their stupid form). Legally, they're entitled to get £10 from you before they carry out your request. When you make your claim against them it's definitly best to go in with exact figures if you can.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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said they are passing it to complaints department and that they try not to make access requests if its not needed

If they said that aren't they shooting themselves in the foot? Whether it is needed or not is irrelevant - it was requested and therefore a mandatory task, ar at least I would have thought so.

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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Unless you're in a big hurry I suggest you start again by sending them £10 with a standard dpa request letter (don't fill in their stupid form). Legally, they're entitled to get £10 from you before they carry out your request. When you make your claim against them it's definitly best to go in with exact figures if you can.

 

I do realise that although Stephen sued for an estimated amount and did quite well! The point here is that they were reminded about the ticking clock on three separate occasions after the intital DPA request went in and they didn't bother to respond to the request until a week before the 40 days were up. They wrote to me with the usual blurb about needing 4 weeks to resolve the complaint but nothing else and I quite reasonably (in my opinion) assumed that they were working on the DPA reqyest

 

Either Abbey is totally incompetent or this was simply a delaying tactic. The £10 is the maximum amount that a company can charge but there is no obligation on them to charge anything. I wouldn't recommend that anyone should send a DPA request now without enclosing the £10 but I believe that it is reasonable to assume after four weeks and three reminders that if they haven't asked for the £10 they're not bothered about it. It was certainly not the intent of the legislation for the organisation holding the data to use the subject access fee to prevaricate.

 

I will be making an IC complaint as well as commencing proceedings and the particulars of claim wil include details of the problem.

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I think the point about them waiting 3 weeks before telling you you need to send £10 is a fair one, and it's difficult to imagine the Information Commissioner gving them too hard a time about it. They could reasonably argue that 21 days is a reasonab;e time to respond to a letter.

 

All the more reason why we need to urge anyone going down this route to include the £10 as a mater of course. This will close off a loophole, don't you think?

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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All the more reason why we need to urge anyone going down this route to include the £10 as a mater of course. This will close off a loophole, don't you think? __________________

precisely.

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They could reasonably argue that 21 days is a reasonab;e time to respond to a letter.

I think they could probably argue that 21 days is more than reasonable, but a neccessity borne out of current demand...

 

ANY advice that keeps them on the defensive is good advice...

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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Just a thought, should we not make any charges we levi against the banks "reasonable"? after all we dont want them putting in a counter claim!

 

What makes you think they are not?

 

You can either reclaim just the charges, reclaim the charges + interest accrued on those charges at bank's interest rate, or if you go to court, add 8%, which is what the courts themselves allow. What is there that is not reasonable? I'm confused!

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