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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


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Hi Glenn

 

I do not think people are getting the point, If the bank will not enter court then there is no argument over interest. If Abbey do not wish to enter the court to defend the penalty charges then they have to pay the interest, Whatever the rate may be. If you apply 8% or contractual interest at 28.7% is not the point, the point is the penalty charges. They can not enter court to defend the penalty charges so they can not dispute the interest applied to those charges. THEY HAVE TO SETTLE THE WHOLE CLAIM. They can not pick and choose what they will or will not settle unless they enter the court of law. If they settle out of court then no judge has any influence over the outcome. The only time it becomes an issue is when, as in Glenns case they seprate the charges from the interest. I am about to scream, can anyone better educated than me argue otherwise. I think you can add interest at any rate, and unless the defendant can defend the initial claim of PENALTY CHARGES in court then they will have to pay.

 

Regards bish.:rolleyes:

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,

If Abbey do not wish to enter the court to defend the penalty charges then they have to pay the interest, Whatever the rate may be.
That says it all (unfortunately). And I shall keep my other thoughts about it to myself. Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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Bish

 

i do agree with your sentiments and thats why its critical to try to keep the claim 'intact'.

 

With regards to them not being able to settle portions of the claim, i agree in principle, however in practice, if claimants are not careful they will leave themselves in the position of having to enter court to argue about interest alone.

 

If they do this then the court will not need to hear evidence as to the unlawfulness of the charges but only the arguments about why the claimant should pay a specific rate of interest.

 

Personally I doubt that you will get much sympathy from the courts if they offer to pay interest, that doesn't mean its impossible, it only means you have to be very sure of your grounds for going forward on that basis.

 

This of course changes if you claim unjust enrichment/disgorgement or use a similar approach since then the cornerstone of the payments is the unlawfulness of the charges.

 

The problem i have with Nicks posts is that I am unclear about what he is claiming and as much as he may think I'm being an awkward bugger, it isn't clear to me what he is trying to do?

 

My overriding impression is that he is claiming interest he has paid rather than interest on top of everything else but he hasn't clarified that as far as I'm aware. If he cares to clarify that then it would help me at least understand?

 

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 am just of to post a Barclays prelim for my second claim and am going for 27.5% contractual. How can we as claimants ensure our claim stays intact? Say for example with my claim, the charges total approx 1k but interest as of todays date is £12,600 ish. It is 1996-1999 also so this is why it is so much. If they say said we will pay the charges and paid it into my account how do I then stop them from stating it has been settled even if I have claimed cci from the outset. One way I have been pondering over is to in advance close my Barclays account so they could not pay the money in, this way they would have to send me a cheque, which as I did with my clapital one claim, I could send back and state I am not preparred to accept a monetary payment until they settle in full including the interest. I don't use this account anymore so could afford to do this.

 

Any thoughts?

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Tanz

 

There are now some letters in the template library i believe which allow you to 'accept' the offer in such a way that you will in effect reject it because the bank wont acknowledge that the payment is a partial payment against the full balance.

 

HTH

 

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

Been following your thread for a while now congrats on winning and on your new arrival.

 

just wondering if it might pay to try getting the defence struck out as a first step, been looking at penaltycharges site and see that they have a template for applying this along with stating a case to back it up, i believe it costs £65 payable to the court to do this. also as a second step perhaps going for multitrack instead of fasttrack from the start as they would have to disclose then. Might scare them a bit knowing they have to go to high court straight away to be able to argue the contractual interest.

or am i being nieve.

 

regards pmahonc

 

PS Karnevil have you received any pm's from me about my court case for the litigation section.

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Hi Glenn

Been following your thread for a while now congrats on winning and on your new arrival.

 

just wondering if it might pay to try getting the defence struck out as a first step, been looking at penaltycharges site and see that they have a template for applying this along with stating a case to back it up, i believe it costs £65 payable to the court to do this. You should consider what effect this would have on the claim. Even if you get the defence struck out its likley they will applt for a set aside onthe judgement, get it, submit a revised defence so its debateable whether long term it does you any good. Of course i could be wrong on this. also as a second step perhaps going for multitrack instead of fasttrack from the start as they would have to disclose then. Might scare them a bit knowing they have to go to high court straight away to be able to argue the contractual interest.

or am i being nieve.Naive? Maybe, i guess it depends on how deep your pockets are and whether you have anything of value to loose should the courts find for the banks.

I believe stanbdard disclousre is a feature of the fast track anyway so im not sure there is anyhitng to gain and lots potentially to loose.

 

regards pmahonc

 

PS Karnevil have you received any pm's from me about my court case for the litigation section.

 

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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stage two begins

 

 

Request for repayment of charges

Dear Ms Kirkman,

ACCOUNT NUMBER: xxxxxxxxx

As you will know the current claim (Claim No 6SS 03187, Southend County Court) only represents a portion of the unlawful charges levied on this account.

Unfortunately Abbey National were unable to supply all of the data I requested under the Data Protection Act, hence the partial claim submitted. If they had complied with the Subject Access Request then this would have naturally been a single claim and would have been submitted as such.

I now have almost all of the data, although I am still pursuing Abbey National for the remainder, but I have sufficient information to pursue those charges and raised this issue with your Barrister at the Allocation Hearing on the 7th February.

It seemed sensible for me to approach you with respect to attempting to settle the whole claim rather than increase both our costs and waste the courts time with a further claim.

However, I understand from your Barrister that he had instructions not to enter into discussion to settle the whole claim but to instruct me to submit a further claim.

On this basis it seems to me that I should submit a further claim in court in 7 days time unless you wish to enter into sincere dialogue to settle the claim.

If I do not hear from you in a positive fashion within 7 days I will presume you wish me to submit a further claim and have no objection, or know of no reason why I should not proceed straight to court since this is a continuation of the original claim?

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the period 15th May 1997 to February 2005.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

I would also point out that on the 7th February at Southend County Court, your Barrister, Mr Edwards I believe his name was, agreed a settlement in respect for unlawful charges levied on this account for other periods.

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

What I require

You have unlawfully taken £ xxxxxx plus £xxxx which you have charged me in overdraft interest for the sum which you have taken, total £xxxxxx

In addition I claim contractual interest at the unauthorised overdraft rate of 28.7% per annum on the total claim. Currently the interest claimed at this stage is £xxxxxx in addition to the charges and interest already paid.

I enclose a schedule of the charges which I am claiming with this letter. There are three estimated charges, I have written to you several times requesting that the relevant data is provided and you have refused to comply in line with your responsibilities under Section 7 of the Data Protection Act 1998. If you wish to provide the outstanding data for the periods outstanding then I will amend the schedule of charges accordingly.

If you fail to provide the relevant data then I will also file a claim for non-compliance with Section 7 of the Data Protection Act 1998.

Additionally I believe you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account. Should you remove this before I submit my claim I will of course revise my claim.

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable. Incidentally, your Barristers instructions were that default removal was impossible due to some ‘difficulties’ on the part of Abbey.

You will know both my thoughts and those of the court on that matter, but it has come to my attention that you have been able to settle other claims and remove defaults for other claimants. I will lay before the court this information for their consideration if the need should arise.

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

Since you have already settled the monetary portion of my first claim, it would be sensible to settle this claim without the need for the additional effort and costs on both our parts bought about by me issuing a claim in court against you. Should you feel it in your interest to increase both our costs and drag this process out needlessly, I will bring this to the courts attention when costs are assessed.

I will give you 7 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

If you do not respond, or you do not respond positively, there will be no further communication from me and I shall issue a claim at the expiry of the seven day deadline.

 

Faxed to tonight

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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stage two begins

 

 

 

Faxed to tonight

 

 

Good luck Glenn - that sure should brighten Monday for them!!

They may surprise you and actually work to resove it as they know you'll carry on with your claim etc.. so they may see things your way hopefully?

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Hi Genn

Have been reading your thread with great interest, congrats so far. I'm about to start my own claim against Abbey back to 1994 with contractual interest. I have started my own thread, but unsure how to put a link in, everytime I try, my message gets wiped.

My thread is Cooz1968 v Abbey, any help/advice greatly appreciated.

 

Cooz1968

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anything significant missing all?

 

Sheet 1/4

case/claim No: xxxxxxxxxx

In the Southend County Court

 

Glenn Lewis Horton

CLAIMANT

-AND-

Abbey National PLC

DEFENDANT

DISCLOSURE BY LIST

OF Glenn Lewis Horton CLAIMANT

 

I, Glenn Lewis Horton of xxxxxxxxxxx Essex Intend to rely on the following documents in court –

Correspondences

  • Abbey National Statements Acc. No. xxxxxxxx 3rd Feb 1997 – 1st Feb 1999
  • Abbey National Statements Acc. No. xxxxxxxx 3rd Mar 1999 – 31st Mar 1999
  • Abbey National Statements Acc. No. xxxxxxxx 5th Apr 2000 – 3rd Jul 2000
  • Abbey National Statements Acc. No. xxxxxxxx 3rd Oct 2000 – 1st mar 2001
  • Abbey National Statements Acc. No. xxxxxxxx 3rd May 2005 – 3rd March 2006
  • Abbey National Statement Acc. No. xxxxxxxx 3rd August 2004
  • Abbey National Statement Acc. No. xxxxxxxx 3rd October 2004
  • Abbey National Microfiche printout Acc. No. xxxxxxxx 25th Feb – 29th Apr 2005
  • Abbey National Screen dumps Acc. No. xxxxxxxx 29th Apr – 9th May 2005.
  • Abbey National Microfiche printouts Acc. No. xxxxxxxx 12th May – 3rd Dec 2000
  • Abbey National Microfiche printouts Acc. No. xxxxxxxx 26th Dec – 27th Jan 2001
  • Abbey National Microfiche printouts Acc. No. xxxxxxxx 15th Mar 2001 – 25th Jun 2005.
  • Abbey National Microfiche printouts Acc. No. xxxxxxxx 1st Feb – 4th Mar 2001.
  • Credit Agreements between Claimant and Defendant, customer copy dated 6th February 1997
  • 20 No. Charges letters from Abbey National issued between 3rd September 1997 – 13th January 1998.
  • Abbey National letter confirming overdraft dated 31st October 1997.
  • Abbey National letter re incorrect charges dated 3rd November 1997.
  • Claimants Subject Access Request dated 22nd July 2006 plus proof of delivery.
  • Abbey National acknowledgement for item 10 above plus microfiche argument. dated 28th July 2006.
  • Claimants letter to Abbey National refuting microfiche argument, dated 31st July 2006 plus proof of delivery.
  • Claimants request for refund dated 4th Aug 2006 plus proof of delivery.

Sheet 2/4

  • Abbey National letter re ‘complaint’ dated 7th August 2006.
  • Claimants letter re expiry of SAR period dated 20th Aug 2006 plus proof of delivery.
  • Claimants letter before action, dated 24th Aug 2006 plus proof of delivery.
  • Abbey National letter re ‘complaint’ dated 25th August 2006.
  • Claimants letter before action amendment, dated 26th August 2006 plus proof of delivery.
  • Abbey National letter re ‘complaint’ dated 30th August 2006.
  • Claimants letter before action re Section 7 non-compliance dated 5th September 2006.
  • Copy of N1 dated Undated
  • Notice of Issue of Claim dated 15th September 2006.
  • Abbey National letter refusal to refund or remove default dated 18th September 2006.
  • Abbey National letter re microfiche dated 20th September 2006.
  • Claimants response to item 24 above dated 29th September 2006 plus proof of delivery.
  • Notice that acknowledgement has been filed dated 29th September 2006.
  • Abbey National letter re fiche records dated 2nd October 2006.
  • Abbey National letter re ‘complaint’ dated 3rd October 2006
  • Claimants CPR 18 request dated 15th October 2006 plus proof of delivery.
  • Notice that defence has been filed dated 18th October 2006
  • Blank AQ received from court dated 6th November 2006
  • Claimants completed AQ dated 6th November 2006 plus proof of delivery.
  • Copy of Defence from DLA Piper dated 12th October 2006
  • Claimants letter to DLA Piper inviting settlement dated 9th November 2006 plus proof of delivery.
  • Claimants letter to court requesting defence struck out dated 13th November 2006.
  • Copy of item 35 above faxed to Court.
  • General form of judgement dated 24th November 2006
  • Claimants reminder to DLA Piper re CPR 18 request dated 27th November 2006.
  • Copy of defence dated 28th November 2006.
  • Abbey letter re threatening the Claimant with costs dated 29th November 2006
  • Claimants letter to DLA Piper re clarification of whose representing Abbey dated 30th November 2006.
  • Claimants response to item 40 above dated 1st December 2006
  • DLA Pipers response to item 41 above dated 4th December 2006.
  • Claimants request to strike the defence out dated 18th December 2006.
  • Notice of Allocation dated 29th December 2006
  • Notice of Hearing of Application dated 11th January 2007.
  • Claimants letter to Defendant informing them of hearing date, dated January 2007
  • Claimants correction of item 44 above dated 16th January 2007
  • Abbey letter re application to strike dated 26th January 2007.

Sheet 3/4

  • Claimants letter to Abbey re withdrawing application to strike, dated 28th January 2007.
  • Claimants letter to court withdrawing application to strike dated 28th January 2007.
  • General Form of judgement dated 31st January 2007.
  • Revised defence dated 2nd February 2007.
  • Claimants letter requesting clarification of revised defence dated 3rd February 2007 plus proof of delivery.
  • Notice of Allocation dated 13th February 2007.
  • Claimants letter to Abbey requesting remainder of charges on account dated 24th February 2007.
  • Abbey Current Account tariff of charges dated September 2005
  • The Abbey Account: terms and conditions, dated March 2006
  • The Abbey current account The Facts dated July 2005
  • Claimants Experian Credit Report dated 14th August 2006.
  • Copy Experian ‘Your credit report explained’
  • Competition In UK Banking, Don Cruickshank, 2000
  • Abbey National PLC, Response to Competition Commission enquiry into Personal Current Account Banking in Northern Ireland, 8 August 05
  • The Banking Code, British bankers Association, March 2005.
  • Market investigation into Personal Current Account Banking Services in Northern Ireland, Competition Commissioner, 2005
  • “Banks are 'mugging' customers”, James Chapman, Daily Mail, 17 January 2007.

75. “Banks making illegal charges will pay the price in court”, Thousands of bank customers are winning their fight for compensation, reports David Prosse Published: The Independent, 2 December 2006

 

76. OFT Press release, Following success on credit card default charges - OFT turns attention to bank current accounts 130/06 7 September 2006

 

77. Calculating fair default charges in credit card contracts, A statement of the OFT's position, April 2006

Sheet 4/4

The Claimant will also make reference to the following case laws;

    • Murray v Leisureplay [2005] EWCA Civ 963
    • Wilson v Love [1898]
    • Lordsvale Finance PLC v Bank of Zambia (1996) QB 752
    • Bridge v Campbell Discount Co. Ltd. (1962)
    • Lord Elphinstone v. Monkland Iron and Coal Co [1886]
    • Castaneda and Others v. Clydebank Engineering and Shipbuilding Co., Ltd. [1904]
    • Commissioner of Public Works v Hills [1906] AC 368
    • Philips v The Attorney General of Hong Kong [1993] 61 BLR 41
    • First Commercial Bank and Others v. the Owners of "Mandarin Container", "Kingdom Container" and "Liberty Container" (2004),
    • Alfred McAlpine Capital Projects Limited v Tilebox Limited [2005],
    • Default Banking Charges, Early Day Motion No 2227, Julia Golsworthy, MP, 22nd May 2006.
    • Dunlop Pneumatic Tyre Co. Ltd. v. New Garage and Motor Co. Ltd.

[1915] A.C. 79

The Claimant will also make reference to the following legislation;

I. The Unfair Terms in Consumer Contracts Regulations 1999

II. Unfair Contract Terms Act 1977

III. Supply of Goods and Services Act 1982

Mcnamara transcript will be added too

Thanks

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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Looks OK to me Glenn, good luck with 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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Right all little update, stil reveiwing all my docs, checked out this laptop, my pc and the workstation in the office, check thourgh it tonight and then send it off by fax along with covering letter and CPR 18 request.

 

Im going to send them a CPR 18 request their defence never explained what their defence was to the removal of the default.

 

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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Tis done

 

faxed off my disclosure by list, cpr 18 request and n265, copy to the court, see what happens now.

 

Any bets on whether abbey provide their list or not?

 

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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Tis done

 

Any bets on whether abbey provide their list or not?

 

Glenn

 

Glen,

My money`s on Not! and at the moment I`ve go a lot of money thanks to the Abbey:lol:

 

Resolved within 10 days is my guess with this.

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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You could be right Armsoft,

 

Funny thing is at the AQ hearing the judge gave their barrister a second go at convincing abbey to remove the default, they refused I was going to say it would be daft for them to remove it now, but then again if i have learnt anyhitng about these claims is that common sense has no place here.

 

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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You could be right Armsoft,

 

Funny thing is at the AQ hearing the judge gave their barrister a second go at convincing abbey to remove the default, they refused I was going to say it would be daft for them to remove it now, but then again if i have learnt anyhitng about these claims is that common sense has no place here.

 

Glenn

 

Glen,

I thought that the Default Removal was going to be the hardest thing for me to achieve within my claim, but in the end it was the easiest.

They didn`t even bother to tell me they`d had it removed, I just found out when I was doing a routine check online at Experien, and there it was Gone:o

Might be worth keeping an eye on your credit report over the next few days (if your not already doing)

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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There one in this thread i think somewhere and in my barclaycard thread too.

 

If you can find it let me know ill see if i can dig it out of my files at home

 

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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