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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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Hi, Help!... and a slight rant.


Could_Be_Anyone
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Hi guys,

Firstly I'd like to let you know how grateful I am about finding this site, without which i dont think i'd have found any of the information that will allow me to proceed with my claim vs Lloyds.

 

Before I go about putting together the charges details of my claim I thought I'd better substanciate which charges I am entitled to claim for.

 

Warning : Mini-rant follows, but i felt it needed as although i know the bank charges are being contested now under the 'unfair charges' I need to clarify wether personal circumstances affect the unfairness.

 

Through admittedly poor diligence on my part I have incurred failed direct debit and unauthorised borrowing charges.

 

Due to my budget and my outgoings the current cycle of charges looks to continue, this has happened to me twice - the first time I received a pro-active call from my 'account manager' and visited my branch to discuss my situation, naively I assumed that this was to help me - at the time I ended up with my overdraft cleared BUT additional outgoings in the form of a loan. This was accepted on advice from my branch manager that "a quick injection of cash is the only solution".

 

The second time (currently happening) I noticed on more than one occasion that direct debits had been refused (and charged for) on a first attempt, then allowed (and charged for under unauthorised borrowing). This to me appeared to e a way of maximising their income by circumventing the 'maximum per billing period' for both sets of charges.

 

I then have visited my local branch to query how and when the banks decide when they are going to:-

 

a) Reject a direct debit and charge the failed direct debit fee.

or

b) Accept the direct debit and charge an un-authorised borrowing fee.

 

As the above information has not been made clear in any documentation I have received from the bank, the response I got was that they did not know in branch. I asked for the details of who I would contact to request this information and was told "nobody will be able to tell you that, all you need to know is that there is enough money in the bank to cover the charges" the implication being that my money management was solely to blame.

 

The above answer is the main driving factor behind me taking this further.

 

Given that the the above charges are 'according to the banks' categorically not penalties, and 'a service' i pay for, i found it objectionable that they were unable to give me information pertaining to that service that would allow me to account or budget for it's use.

 

Now I understand from reading the forums, that it's likely that 'manual intervention' is the likely mechanic behind the decision to allow or deny direct debits, and if this is the case would the above behavior be the 'unfair' part, or the actual financial cost of the charges.

 

Would I be right in assuming that both direct debit and unauthorised borrowing charges would be part of this claim, and given the ambiguity of the information provided could I also include failed direct debit charges incurred through companies I had direct debits set up for as I have never been in a position to determine wether or not said service would be provided before the decision was made ?

 

My apologies for the legnthy post but I hadnt seen any information concerning what about the charges are being considered 'unfair' and wether any of the above information is helpful...

 

Thanks in advance

C.B.A

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Banks deciding to pay or return an item is in 99.9% of the time automated. There is NO manual intervention. This is a standard reclaim. Furthermore, bank workers are sellers. If you got a phone it was because they wanted you to have a loan not that it was necessarily better in your circumstances. Never assume that banks' have your best interests at heart most of the time.

  • Haha 1

.

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

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Banks deciding to pay or return an item is in 99.9% of the time automated. There is NO manual intervention. This is a standard reclaim. Furthermore, bank workers are sellers. If you got a phone it was because they wanted you to have a loan not that it was necessarily better in your circumstances. Never assume that banks' have your best interests at heart most of the time.

 

Sound advice, taking it on board. Have an appointment with them again on friday thanks to a pro-active letter they sent... but this time i'm armed with some experience and facts...

 

Will see how this goes.

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Sound advice, taking it on board. Have an appointment with them again on friday thanks to a pro-active letter they sent... but this time i'm armed with some experience and facts...

 

Will see how this goes.

Face 2 face meetings with staff are simply a waste of time. Branches have absolutely no leeway on charges at all. A Bank charge is a bank charge period. Whether you say it was a service you didn't want/agree to, it is clear that the obvious argument is that you agree to the changes to the terms and conditions. You and I know that they will pay the money back eventually.

.

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

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I do love a good rant so I'm subbing.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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At the very least I shall ensure that despite her best efforts, attempts to sell me something are futile, and I wonder just how much of their time I can consume...

 

I've a particular chip on my shoulder about sales through service or as i prefer to think of it 'taking advantage of a captive audience'.

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At the very least I shall ensure that despite her best efforts, attempts to sell me something are futile, and I wonder just how much of their time I can consume...

 

I've a particular chip on my shoulder about sales through service or as i prefer to think of it 'taking advantage of a captive audience'.

 

When I worked in the bank and posted on here I hated the fact the posters felt that those at the bottom were the ones you had take it out on. In fact it is those in glass houses that needed a good kicking(if I can say that). You can waste the persons time all you like. A bank is a sales shop. Branches can be seen as stores.

When I was trying to cut my outgoing Lloyds was trying to give me a contents insurance quote. I understand the culture but one a seller ALWAYS a seller.

.

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

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When I worked in the bank and posted on here I hated the fact the posters felt that those at the bottom were the ones you had take it out on. In fact it is those in glass houses that needed a good kicking(if I can say that). You can waste the persons time all you like. A bank is a sales shop. Branches can be seen as stores.

When I was trying to cut my outgoing Lloyds was trying to give me a contents insurance quote. I understand the culture but one a seller ALWAYS a seller.

 

I understand that they are essentially stores full of salespeople. That I can understand and appreciate, and if thats how they advertised themselves i would simply have told the lady that i wasnt interested in any additional products right now.

 

Luring me into the branch (wasting my time) with a false promise of being able to assist me with my situation (which we know is unlikely) is in my opinion deceitful.

 

For the avoidance of doubt I spent time working in both a straight sales environtment (shop floor sales) and several years (still there) in customer service (yes... call/correspondence centre's) where sales through service were/are rife, and depressingly for me given more importance than actually resolving issues and helping customers...

 

Rest assured that if she's honest, she'll get no hassle from me. At the least she should be able to provide me with details of the charges.

Edited by Could_Be_Anyone
spellong
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Had my visit at a different branch this time.

 

Result - Shocked.

 

Bank charges due for next 2 months have been wiped off (£300+) and didnt try and sell me anything !

 

Another colleague gave me a quote for a remorgage but I asked for it and she wasnt pushy at all. Credit to their profession and I told em so.

 

I've had at least £650 charges over the last couple of months...

 

and more before that... now waiting for that £10 fee to turn up for SAR.

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