Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

mollymoo V Lloyds **WON**


mollymoo
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6381 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi mollymoo

I'm doing exactly the same as you at this very moment. Just don't panic, step away from the pc and make a cuppa. when u come back it will be clearer, lol.

Sometimes it takes a couple of re-reads before it sinks in. I was stuck at exactly the same point as you, then i found your thread and all my answers were in it. Think i got it now :eek:. It's a shame i can't get my fone no to you, we could talk each other thru. C'est la vie!

Keep going lovey, we'll get there ...................... eventually!!!!!

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

Link to post
Share on other sites

  • Replies 362
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

hi

cheers

i may even leave it until tomorrow and just chill. won't have the money for court costs until later in the week anyway.

 

just hope it's all worth it in the long run.

 

mollymoo

Link to post
Share on other sites

Same as that. In fact, are you sure you're not me??? lol

 

Don't mean to hi-jack your thread hun, but does 76p sound right for daily rate

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

Link to post
Share on other sites

does 76p sound right for daily rate

 

Depends how much the claim amount is.

 

Please post the question on your own thread.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

aaaaaahhhhhhhhhh

 

 

Molly

 

Get a Cuppa, Sit down Relax

 

If you are using the Basic / easy exel spreadsheet you have 3 columns to do thats all

 

1st you enter the Charge description, Then the amount and then the date it was taken on

 

Overdraft interest, If that only occurred because you went over the Overdraft Limit set, Then also include that

 

 

Hope this helps, We will get there, so just

DO NOT PANIC

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

Link to post
Share on other sites

all good advice her girls, it took me a while to pluck up the courage to do the spreadsheet bit.........but once I started last night, I couldn't stop..lol..and then when you've done it, make a cuppa or have a glass of your *favourite and pat yourself on the back, nearly done, just a few steps more and we'll be there !

Hang on to every word that's given in advice to you on here, they're the best....

good luck

Freebird xx

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

Link to post
Share on other sites

hi Sophie,

 

How do i know which spreadsheet to use?

 

Mollymoo

 

Hi Mollymoo

 

The best for you at present is the following spreadsheet

 

England - Simple - Excel

 

England - Simple - Works

 

England - Simple - OpenOffice

Scotland - Simple - Excel

 

Scotland - Simple - Works

 

Depending on where you live Scotland / England, select the one which your computer can run

 

I use the following, as I cannot get my head around the Advanced one as yet, too much on in my life

 

England - Simple - Excel

 

Please email me if you still having difficulties, as I will help you, this is a important document to get correct

 

But if you want a simplier life, Forget the 8% in total, Just Claim the £2470

 

But you are entitled to the Full amount, they have had interest and your money too long now

 

Email me - [email protected] I will help where possible

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

Link to post
Share on other sites

so i just change all of the "in respect of" column to suit my circumstances?

 

how do i work out the 8% of the various figures spanning over the 6 years?

 

and in the "days since" column, what date am i going from?? today? date i first started claim? or when?

 

cheers

Link to post
Share on other sites

also, i did not do the spreadsheet in my earlier letters to the bank. will that matter?

i just sent them photocopies of all of my previous statements and highlighted all of the charges i was claiming back?

Link to post
Share on other sites

how do i work out the 8% of the various figures spanning over the 6 years?

 

The spreadsheet calculates this for you - just type in the date and amount of each charge.

 

and in the "days since" column, what date am i going from?? today? date i first started claim? or when?

 

The spreadsheet will also calculate this for you if you type in the date of the charge.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Hi,

the 3 things i have in the "in respect of" column in my spreadsheet are:

Unauthorised borrowing fee

Overdraft Interest

Overdraft Excess fee

Unpaid D/D

Is this right???????

also i was charged an "overdraft usage fee" about 4 years ago. What is this and do i claim this also?????

 

cheers

Mollymoo

Link to post
Share on other sites

Hi Mollymoo

 

Unauthorised borrowing fee - OK

Overdraft Interest - OK

Overdraft Excess fee - OK

Unpaid D/D - OK

overdraft usage fee - OK

 

You can go for

Standing order charges, Failed cheque charges also

 

Seems you are now getting there - Keep it up, its not as difficult as it seemed - Is it?

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

Link to post
Share on other sites

I Think It Was Because I Looked At The Advanced One First.

There Are That Many Charges Though That It Takes Some Filling In Doesn't It?

Oh Darn, This Is All In Capitals. Please Forgive Me.

 

Mollymoo

Link to post
Share on other sites

I suppose the advance one would scupper the less experianced ones on site

 

Now you are there, its now plain sailing, You have me on your back now, and watching your progress, no getting rid of me

 

Never tried a message in Caps yet, nut as you say it must be magic

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

Link to post
Share on other sites

i am not there yet. although i have just put the figures in.

 

i am going to ask some really thick questions now.

 

won't the bank say "why are you adding 8%"?

 

how do i get the spreadsheet onto the claim form?

 

what is the step-by-step guide from filing the claim to the end of proceedings??

 

cheers

Mollymoo.

 

p.s. feel free to be on my back as much as you want. it'll keep me on my toes.

Link to post
Share on other sites

i am not there yet. although i have just put the figures in.

i am going to ask some really thick questions now.

 

Do not worry, Been there done that, got the T shirt

 

won't the bank say "why are you adding 8%"?

 

They won't ask, as you have every right to claim interest, just as they have

 

 

how do i get the spreadsheet onto the claim form?

 

You do not copy the spreadsheet on to the claim form, Unless you actually get to court, Then provide the spreadsheet

 

The Spreadsheet is basically to work out how much in Charges & Interest has been applied.

 

So Once fully completed, you should get 3 figures at the bottom, ENSURE that ALL Details that are NOT associated with your account are not on the spreadsheet

 

what is the step-by-step guide from filing the claim to the end of proceedings??

 

Not sure what you asking here, please enlighten me

 

cheers

Mollymoo.

p.s. feel free to be on my back as much as you want. it'll keep me on my toes.

 

I'll keep you on a level, You are here, means that you want your money back, Keep your chin up, and wait, it will come

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

Link to post
Share on other sites

what i mean is, what will happen when i send the moneyclaim form?

and then what? and then? and then? until i finally get my money - fingers crossed.

 

what should i put in the main part of the moneyclaim form then? just the total i am claiming and why?? or a fancy letter to wow them and make me look good?

 

cheers

mollymoo

Link to post
Share on other sites

what i mean is, what will happen when i send the moneyclaim form?

 

After its completed, and paid for, it will be served on the Company you have named.

 

and then what? and then? and then? until i finally get my money - fingers crossed.

 

About a week later, or two, they will acknowledge the Claim, and Highly Probably say they dispute it and intend to defend.

 

Around 3 - 4 weeks after that, they will submit their defence

 

and the court will send on a Allocation questionairre with their defence, which will need to be filled out (ask when You get it)(do not want to confuse matters yet)(One Step at a time Mollymoo)

 

Around 1 month after, the Solicitors will most probably conatct you, offering a settlement (Again - seek advise when that happens)

 

what should i put in the main part of the moneyclaim form

 

This is the Main Part, Change it to suit your case

 

Claimant has account XXXXXXXXXX with Defendant from approx (M / Y) conducted on their standard terms and conditions. Claimant is claiming the return of money taken by Defendant in charges over XX years plus interest they have levied on those charges. The defendants charges are a disproptionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Acts 1977 s.4 and Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Court Act 1984 at a rate of 8% a year from (D/M/Y) to (D/M/Y) of £XXX.XX and also interest at same rate up to judgment or earlier payment at a daily rate of £0.XXp

__________________

 

For the Final part of above the daily rate of interest, On your spreadsheet, put the FULL total - Charges + Interest in one of the columns, and yesterdays date, and you will get a Daily Rate.

 

(send me your Spreadsheet, and I will assist)

 

 

then? just the total i am claiming and why?? or a fancy letter to wow them and make me look good? cheers mollymoo

 

In the claim, its not a Human Rights issue so tick NO

 

You are Claiming interest tick YES

 

The total for the Claim is as follows

 

TOTAL Charges + TOTAL Interest that has been worked out on the spreadsheet

 

= Total ££££

 

You have explained Why you are claiming in the Main part, so no need to say why elsewhere

 

NO Fancy or otherwise Letter needed

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

Link to post
Share on other sites

thanks so much for that.

 

i will do all of that this evening as i have to go out now. i should be ready to file my claim on thursday money permitting.

 

ooh isn't it exciting.

 

mollymoo

Link to post
Share on other sites

hi,

just a quickie,

on that template what dates do i put in for this bit:

 

Claimant claims interest under Sec.69 of the County Court Act 1984 at a rate of 8% a year from (D/M/Y) to (D/M/Y) of £XXX.XX and also interest at same rate up to judgment or earlier payment at a daily rate of £0.XXp

 

cheers

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...