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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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Iv been reading the forums for a few weeks now and have been fine so far. I sent my 'List of Charges' request to RBS on 11th July and I received all my bank statements in full early last week. I now need to send the 'Preliminary approach for repayment' letter with a list of charges. I apologise if the information i require can be found in the forums or FAQ's but I just cant find it. I've even tried using the search facility. I'd be grateful if somone could inform me of how to set out the charges on paper, do i list the charges in columns i.e TYPE OF CHARGE / AMOUNT / DATE ? If not, please correct me on this. Also, my bank (RBS) have refunded some of the charges. Over the past 6 years I calculated that I have been charged a total of £1745 in unpaid d/d charges and referral charges, and the other half of the charges dont even state what they are for. Out of this £1745, the bank have refunded a total of £381. I dont know exactly which specific charges have been refunded so how do I go about this? Do I list a breakdown of all the charges and show the refunded charges, subtracting them and leaving the total amount of charges that have not been refunded? And how do I lay this out on paper? Any help on this subject or any tips on the process would be much appreciated.

 

Cheers, fi x x

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Hi Fi

 

Here is what I sent for reclaiming charges - Use for RBS

 

___________

 

 

Mrs Sophie-Jane

XXXXXX

XXXXXXX

XXXXXXX

XXXXXXX

XXXXXXX

 

Alana McLauchlan

Customer Services

Bank of Scotland Card Services

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Re – XXXXXXXXX

 

Date

 

 

 

Dear Alana McLauchlan

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last four years

I now understand that the regime of fees which you have been applying to my account in relation to exceeding credit limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. If you say that they are not then you will pleased to 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.

 

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.

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

 

What I require

I calculate that you have taken £XXX.00. As of the above date the interest charged if this matter also went to court is £xx.xx @ 8% APR, Making a total of £XXX.XX (calculated as date of letter)

 

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.

 

I will give you 14 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 within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

List of Charges / Offence

 

COPY your exel Spreadsheet and Paste it here

 

 

Yours Faithfully

 

Mrs Sophie-Jane

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts

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Hi Fi

For the Goodwill payment, I used this one

___________

Mrs Sophie-Jane

XXXXXX

XXXXX

XXXXXX

XXXXXX

XXXXXX

THEIR ADDRESS

 

 

Re - ACCOUNT

DATE

 

Dear Sir / Madam (from Goodwill Letter)

Re your letter dated 18th May 2006, I thank you for your goodwill payment and that all agreements are to stay as arranged, I am only going to accept the Goodwill gesture of £XXX as part payment of the £XXX that has been unlawfully charged against my account which I hold at present.

At present calculate that you have taken £XXX.XX plus £XX.XX which you have charged me in overdraft interest (8%APR) for the sum which you have taken. Total £XXX.XX

Unless you can provide accurate breakdown of these charges levied against my Account, I will not accept any Charges levied against my account, at present or in the future.

 

I require repayment in full of this money (credited to the existing balance). If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

 

Yours faithfully,

Mrs Sophie-Jane

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts

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  • 2 weeks later...

Hi Sophie, thanks for your reply. I'm sorry I've not been online I have had a berievement and my heads not been with it. Iv copied the letter but how do I set out the list of charges? cos I have to list every charge and type dont i? ie:

 

Date of charge - - - Amount Charge - - - - - Type

- - 11/03/04 - - - - - - - £28 - - - - - - - Unpaid Item

- - 22/04/04 - - - - - - - £30 - - - - - - - - Referral

 

Iv seen the excel spreadsheets in the templates library, but there only for people who want to claim interest arnt they? I dont want to claim interest, i just want my charges back.

 

I would appreciate any help on this so that I can continue with my claim. Iv prepared the letter, i just need to know how to layout the charges.

 

Cheers, fi x x

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