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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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Glenn Vs Abbey


Glenn UK
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Right small development, after a lot of thought I have decided to withdraw my application to have the Defence struck out.

 

I have the Allocation Hearing, I have made all of the points in my AQ and requested the Defence is struck out so we shall see what happens.

 

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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just subscribing as just starting my claim agaist abbey shambles

MY CASE

 

Newbody Vs Abbey

 

NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action

 

the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html

 

Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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Hiya Newbody - good luck with your claim!!

 

Start a new thread so you can keep us updated with your progress - that way if you get stuck we can help you out with any questions you might have etc..

 

You'll find lots of good information in here and letters you need are in the template library (just edit to suit your accounts etc..)

 

Reading the FAQ's and threads here is the best way of learning etc.. and you'll have an idea of what you are doing etc..

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thank you elizabeth for th e welcome have alredy started my own thread and just reading and subscribing now whilist awaiting information from shabby

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57977-newbody-abbey.html#post485027

MY CASE

 

Newbody Vs Abbey

 

NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action

 

the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html

 

Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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Another update.

 

Well after posting that i had withdrawn my claim to get Abbeys defence struck out i was surprised no one asked why, in truth I wouldn't have said anyway, i wanted it to be a surprise for Abbey. I only posted in the hope that Abbey would read this thread anyway!!

 

A bit of a reminder, I have asked three times for Abbeys defence to be struck out, twice informally and once formally.

 

My view was then and is now that if I had been successful,Abbey would have appealed and submitted a revised defence. In effect it would have been a good exercise but long term wouldn't have resulted in the Claim being settled.

 

When I submitted the formal application it was with the knowledge that if I lost I could have had costs awarded against me, but in discussion with a friend who has special knowledge, I decided that was a small risk and one i would bear.

 

Then shortly afterwards two orders came into the public domain, one issued by a court in Lincoln and another from Swindon area.

 

If i had had these I would have submitted them with my AQ rather than making the strike out application.

 

Now I was in a position of not really being able to withdraw the application to strike out their defence without risking being landed with costs by the defendant.

 

Guess what?

 

They kindly wrote to me last week and threatened me with costs if i didn't withdraw the application.

 

Result, I against spoke to my friend and in decided to withdraw the application to strike out their defence.

 

Now the icing on the cake, at the same time i made an application to the courts asking them to consider the two orders one ordering them to provide a list of claims and the other asking for disclosure.

 

I received the note form the courts today informing me they would consider the orders at the hearing on the 7th Feb.

 

So the upshot is that i have now put a lot of information before the courts informally which they have the choice to consider, plus i have put two draft orders in front of them which they can implement if they wish and the risk of costs is now the same as for my original claim.

 

I'm reasonably happy about this and am preparing for the AQ hearing next Wednesday.

 

Glenn

 

Edit I forgot to say i faxed abbey and told them id withdran the application Tuesday and wrote to them too, I bet they were releived until they get/got the letter form the court wiht the two ordersw attached.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi Glenn,

 

I requested in writting for the judge to strike out the abbey defence on the grounds of non complience of the orders directed by the judge. I have now received a notice of restored hearing. I think the courts would love to strike out a defence of the banks, but are worried about a counter offensive by the banks to further muddy the waters regarding this problem. Catch 22 for the courts, without a test case they seem to be stuck in a rut. It needs a step in the dark or a judge that is willing to take a risk, in my opinion, to solve this problem.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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In a sense their hands are tied, the courts i mean, they know that the banks have endless resources and that having their defence struck out is a minor inconvenience and the courts will have to deal with their submissions to get the defence reinstated.

 

This is why the recent orders are so good, because they rely on the banks refusal to provide the information to strike out their defence or for them to settle the claims.

 

It doesn't resolve the legal issues, but it does unclog the courts to a degree.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Glenn,

Then shortly afterwards two orders came into the public domain, one issued by a court in Lincoln and another from Swindon area
.

I've got the Lincoln one, but would you do me a favour and point me to the Swindon one - it didn't turn up using Search. Just coming up to AQ so they'll do very nicely. Thanks very much. Mad Nick.

Abbey £8370 settled 17 Apr 07

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nick

 

Theyre both around, one asks the defendant for a list of all claims the defendant has settled and those it has defended

 

The second is the one where the claimant has to prepare their court bundle and submit it then the defendant has to submit their evidence.

 

Ill see if i can find the threads for you.

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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nick

 

Theyre both around, one asks the defendant for a list of all claims the defendant has settled and those it has defended

 

The second is the one where the claimant has to prepare their court bundle and submit it then the defendant has to submit their evidence.

 

Ill see if i can find the threads for you.

 

GLenn

 

Glenn I hope you can link those here - as they may come in useful for me too next month - we have AQ hearing on 13th March - so may need that for later once we hear what the judge wants??

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Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Heres a link to Nelson Vs Rye

 

Judgement - Nelson v. Rye

 

Bear in ind this depends, probably, on proving that the defendant owes us a fiduciary duty in law. i havent got to that bit yet if others have it woulf be good to post links/info for that.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Sorry if this is already on the thread but I have seen a definition of fiduciary in Wikipedia

 

Fiduciary - Wikipedia, the free encyclopedia

 

A fiduciary has a stronger relationship than a normal commercial relationship between two parties. The only worry is that the examples of a fiduciary relationship does not include banks and their customers. The nearest ones are stockbroker to client and lawyer to client.

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Hi Jones

 

Ive seen that one what we really need though is recent case law supporting our side.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi Jones

 

Ive seen that one what we really need though is recent case law supporting our side.

 

Glenn

 

Can't find no case law, this is interesting.

 

It is suggested that the banker and customer relationship cannot be fully reflected in the legal context of a statute-based Code. A reason for this goes back to the fundamental principal at the heart of the banker-customer relationship – Trust. Following on from this the relationship therefore can be described as a fiduciary relationship and I submit that following on from that itself, legislative intervention would undermine the meaning of fiduciary in such a relationship. A fiduciary is a person who is entrusted to act in the best interests of another. Fiduciary duties in a banking context are the duty of a banker to act in the best interest of a customer without gaining any material benefit except with the knowledge and prior consent of the customer. Such persons are generally held to conduct their operations in the highest standards of good faith or best practice. The law, I suggest, will be a rather crude instrument for regulating all aspects of financial activities especially one regarding setting of banking standards of practice.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Banks and stockbrokers are now both regulated by the FSA suggesting that the same rules regarding Conflicts of Interest apply. The bank holds funds on a customer's behalf and is not permitted to utilise those funds or make profits from those funds without the customer's permission. The fact that they have indeed made profits by making charges which in no way reflect their costs despite averrals to the contrary implies a dereliction of that duty of care.

 

In my opinion.....

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Sarah

 

I spent a hwile reading through the FSA handbook but coundlt see that current accoutns are regulated, if they are i agree with you.

 

I have some quotes similar the one posted by Paul

 

Ill post them a bit later.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Bong

 

Thanks for that, it does help because it gives some useful discussion on the issue at hand.

 

I would also point others to look at their banks publicity and see what impression a normal person would gain.

 

Seems to me that giving the impression of being a fiduciary is almost as good as being one in law.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Agreed Glenn. I found some interesting stuff on Google Scholar about the definition of fiduciary

 

Mwenda, 'Banks and the Use of Chinese Walls in Managing Conflict of Duties' [2000] 2 Web JCLI

 

Ok - so,most of the article is about the establishment of Chinese Walls but, there are several (attributed) definitions which may be useful:

 

Management of fiduciary duties relating to non-public and material information as the raison d'être behind Chinese Walls

 

 

 

At common law, the question `who is a fiduciary?' provides an interesting starting point to an inquiry on the legal problems surrounding Chinese walls. The nature and forms in which fiduciary duties present themselves cannot be reduced to one succinct statement.(4) As Hannigan observes:

"It is now generally agreed that the word `fiduciary' does not of itself identify a single class of relationships, nor can fiduciary duties be reduced to a single set of rules and principles which apply to all such relationships.
(5)
Before considering liability for breach of fiduciary duty, therefore, it is necessary first to determine whether ... would be regarded as fiduciaries and to whom they are fiduciaries; secondly, it is necessary to consider the particular duty or duties relevant to imposing liability..." (Hannigan 1994, p 132)

In line with the view that the word `fiduciary' does not of itself identify a single class of relationships, we look at what judges have said in England, the United States of America and Australia. In the English case of Re Coomber [1911] 1 Ch 723, 728 Fletcher L.J. observed:

"...Fiduciary relations are of many different types; they extend from the relation of myself to an errand boy who is bound to bring me back my change up to the most intimate and confidential relations which can possibly exist between one party and another where one is wholly in the hands of the other because of his infinite trust in him. All these are cases of fiduciary relations, and the courts have again and again, in cases where there has been a fiduciary relation, interfered and set aside acts which, between persons in a wholly independent position, would have been perfectly valid...."

Similarly, in the American case of Securities Exchange Commission v. Chenery Corporation 318 U.S. 80, 85 Frankfurter J. stated:

"...to say that a man is a fiduciary only begins the analysis, it gives direction to further enquiry. To whom is he a fiduciary...?"

The courts in Australia have often applied the `undertaking test' when determining whether or not a fiduciary relationship exist:

"[A fiduciary] is, simply, someone who undertakes to act for on behalf of another in some particular matter or matters. That undertaking may be of a general character. It may be specific and limited. It is immaterial whether the undertaking is or is not in the form of a contract. It is immaterial that the undertaking is gratuitous. And the undertaking may be officiously assumed without request." (Moffat 1994, p. 54)

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I would also point others to look at their banks publicity and see what impression a normal person would gain.

 

Seems to me that giving the impression of being a fiduciary is almost as good as being one in law.

 

Glenn, what do you think about some stuff I have found in my HSBC terms and conditions - I think it sounds like they are taking on the role of advisor -

 

Clauses 13.12 & 13.13

"If you have more than one of the above accounts listed we will transfer your money to the account which pays the highest rate of interest."

 

Clause 9.3.2

"Your liability

You will be responsible for all losses, if you have acted without reasonable care, which includes not complying with section 1, clause 4, so as to allow an unauthorised transaction, or that you have acted fraudulently. Your liability may also be limited by law."

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Glenn I just wanted to post to say

 

C O N G R A T U L A T I O N S ! ! !

ON THE BIRTH OF YOUR LITTLE BOY :)

Thought it better to post in one of your threads rather than run the risk of hijacking someone elses!!

:D

 

love to all Xx

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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