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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.  
    • 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).
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Glenn Vs Abbey


Glenn UK
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Current account interest rates and charges from Alliance &amp Leicester

 

Interest payable on Current Account overdrawn balances

 

Per MonthPer AnnumEffective Annual RateAuthorised and Unauthorised overdrafts 1.33% 15.87% 17.08%

 

Previous interest rates on overdrawn balances from 2 December 2002 to 13 January 2005

Per MonthPer Annum Effective Annual RateAuthorised and Unauthorised overdrafts 1.25%15.00%16.08%

 

 

 

Current account interest rates and charges from Alliance &amp Leicester

 

Premier Current Account interest rates & fees

Interest or fees you pay us

 

Per month

(variable)Per annum

(variable)Effective Annual Rate

(variable)Authorised overdrafts for the first 12 months from account opening, up to £2,500 0%0%0.0%Authorised overdrafts

0.64%7.63%7.9%Unauthorised overdrafts 0.64%7.63%7.9%

 

hope this helps link to home page Current Accounts at Alliance & Leicester plc select account type fees listed under the account

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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Hi Glenn,

 

Abbey settled on the morning of the hearing, still went to the hearing but just formality. Thanks again for your help much appreciated, Hope yours gets resolved completly soon and if I can help in any way just shout. Will be keeping an eye on your thread anyway. Good luck and best wishes.

 

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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Bish

 

I hope you got what you wanted

 

Glenn

  • Haha 1

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

 

Yes got the full charges plus interest and 8% and costs, so well happy.Can pay a lot of outstanding debts and arrears that mounted up due to these bank charges. Most of my charges occured in the last three years, due to my wife falling ill and having to stop work. Takes alot of pressure off. Again I hope yours gets resolved soon.

 

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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Hi Glenn

 

Just posted on here kimmy v abbey NO ****2**** see what you think, it rang a bell with your allocation hearing and mine. I was expecting a barrister like you had, but they settled, and kept wondering why. The only reason is the interest and the defaults, got the mind going, have a look and see what you think.

 

Regards bish.:D

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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RIght i received the order from the court today, basically it confrims the settlement of the charges and lists the removal of the default in the fast track and orders standard disclosure by list.

 

So i need to get my list drawn up to send to Abbey for their information.

 

THe brief on the day was quite keen that standard disclosure shold only apply to this portion of the claim.

 

However, what he either didnt know or forgot was that in my POC I related the default directly to the unlawful charges :D

 

Seems to me that irrespective of the charges being settled that standard disclosure is still on the cards here.

 

I wonder if it will actually get into court ?

 

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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I wonder if it will actually get into court ?

 

 

Mmmm .... :rolleyes: Watching with interest Gary! :D

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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Hi Glenn

 

This was the bit I was unsure of, like you I am not a barrister or have to much knowledge of the law. If they have to enter court to defend the charges then they will not enter court to defend the interest. Bugger they have settled my claim. But that will not stop me encouraging others to go for contrctual interest. Well done mate, good job. I was sure he was trying to seperate the charges from the interest in your case.

 

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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Hi Glenn

 

Do you think they will go into court, they can't disclose so how will they get into court to defend the interest and defaults. You have put a lot of time and effort into this and I realy hope that it pays of for you, you deserve it.

 

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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Bish

 

I have always maintained that there are certain issues that the banks would be keen to retain.

 

The charges funnily enough are not one of them, depending on what the oft says will depend to a large extent what happens long term in respect of these claims IMHO.

 

However, claims for contractual interest on top of the money they have taken and defaults were always issues that i thought would make a difference to the banks.

 

Interest because of the possible implications and defaults because its their ultimate weapon.

 

I know they can take you to court and get money back if you have it, but without the default system they cannot stop you moving to the bank next door and doing it all again. Of course every bank is also the bank next door so its in their interests ti fight hard for this matter.

 

SO i think they may well try to fight disclosure of charges details, their barrister was quite keen to ask if this was in relation to the whole claim or just the default removal. However, as i have previously posted, the PoC specifically relates the default to the unlawful charges.

 

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 Glenn

 

I think you are correct in what you say, but the angle I am coming from is that if you apply contractual interest to your claim, and avoid the pitfall that you encountered then they must pay you the contractual interest, they have no choice other than to enter court and defend the charges, which they will not. I am thinking of other claimants and possibly getting them to actualy defend a case. My charges were £6600, if I had had the bottle like you to apply contractual interest, then the interest alone would have taken the claim to well over £10k. Can they afford to start paying claims with contractual interest, as they can not enter court to defend the charges, they have to settle.

 

I still have one claim against a credit card, and am going to go for contractual interest, what I am trying to do is encourage others to follow your lead, If nothing else it will cause them pain and money, which hurts them.

 

Regards bish:D

 

PS It may not have been the default he was worried about.

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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Bish

 

I agree with your thoughts entirely and if only i had said 'im happy to discuss the case on a WOP basis only' then i would still have a chance of getting CI on this claim.

 

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,

 

Do you think that as Banks seem to be offering to settle at charges plus 8%, which is often claimed in the second or third alternative, that it is better to not even claim this and just use the unauthorised or the authorised rate? This would not give them the option to offer this. Yes it would mean risking the possibility of not getting any interest at all if it went to court, but wouldn't it be a risk worth taking?

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Hi Glenn

Do you think they will go into court, they can't disclose so how will they get into court to defend the interest and defaults. You have put a lot of time and effort into this and I realy hope that it pays of for you, you deserve it.

 

Regards bish.

 

My thoughts exactly, Glenn!!!!! Keep at 'em!!!!!

Phil:)

This is only my personal, honest opinion!

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Tanz

 

It makes no difference imho, unless you only claim one rate and dont leave the courts any room to use a lower rate.

 

just be cause you claim it doesnt mean the defendant has to use your figures.they are using the 8% because they know thats the max a cout would generally award.

 

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,

If you need case law to claim back contractual interest on top of what you have paid out then it isn't coming across in your posts.
Don't you worry about my claim - as you say, I've got a sound legal basis for it. I'm just dying to see what Case Law you've found for yours. Good luck with it.

 

Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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Ah, but some of them aren't Glenn. I have seen a defence which stated that they had paid the 8% as requested by the Claimant and now considered the claim fully settled.

 

The trouble is Sarah unless we can see the whole claim laid out then its difficult to know what to say.

 

Personally I cant see that what we put in our claim can seriouelsy influnce the banks views if they choose to offer 8% since its the statutory rate and unless the claimant wins their argument in court of contractual interest then thats what a court would award.

 

The real issue is whether the claimant decides to accept that offer or not, and to be certain of the hows and whys of rejecting that offer, or indeed accepting it but not being constrained by that decision.

 

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, Don't you worry about my claim - as you say, I've got a sound legal basis for it. I'm just dying to see what Case Law you've found for yours. Good luck with it.

 

Regards, Mad Nick

 

Nick

 

I didn't need any case law to claim back the interest id paid, this is contractual interest but not the one i was bothered about.

 

The contractual interest i was bothered about was the money i wanted to charges them on top of all that, I didn't have any case law specifically about that and you know the score with respect to the unjust enrichment/disgorgement scenario.

 

Finally its irrelevant for this claim since the monetary side of things has been settled.

 

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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