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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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Lloyds TSB get worse..


DerekW
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Also, please start your own thread to avoid confusing things!

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Hi All

 

Took a little walk down to the court today an filed the claim:-)

 

I asked the very nice and helpful lady there (I almost asked her out!) to make sure I had done everything right - just a couple of minor things which others should be aware of. The Claimants name must be preceded with a title and I had not put "Mr" and also I had put "Lloyds TSB" as the defendant, where it should have been "Lloyds TSB Plc". She said that might have held things up.

 

Today is exactly 14 days since the LBA as it turns out after all.

 

Anyway, now the waiting game begins - ho-hum!

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Good for you Derek - fingers crossed for ya :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload 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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just a couple of minor things which others should be aware of. The Claimants name must be preceded with a title and I had not put "Mr"

 

Just for clarification, that is not necessarily the case. I've filed 5 cases so far, not one of them with the "Mr" or "Mrs" (on purpose, as DH and I have same initials), and not one of them ever delayed because of that.

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  • 2 weeks later...

Hi All

 

Just got the Notice of Issue back from the court Claim Number 6PH04364 - deemed served on the 13th September 2006 - they have until the 27th September to reply. That means they will file an acknowledgement of service on the 28th - this is all getting very predictable isn't it!

 

What a blatant abuse of the court system this is - it really makes me mad that they are able to intimidate people by using the court system for their own advantage. There is also the financial aspect, they of all people know full well that people who are struggling to pay their charges are also likely to be unable to afford the court fees and may fall down at the AQ stage because of lack of funds. Something I will definitely be pointing out to the judge if they get all the way to court. Is there anywhere we can complain about this?

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Hi Derek,

 

I totally agree with you, its pretty obvious that they'll never payout before the claim is filed as its at that point which i'm sure many people never get passed due to having the initial outlay, its dam right unfair, if people had money to payout like that they wouldnt be claiming there charges back... which makes me all the more determined to fight for every penny they owe me...

 

best of luck

christina

 

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Hi Christina

 

Yes, the banks have the unfair advantage of knowing everything about your financial situation, which is not the norm when you're being sued by someone!

 

Some people I've spoken to about what I'm doing have said straight away that they would do it as well - but just can't afford the court fee when they have rent and bills to pay. Catch 22 - they can't sue to get their money back because of lack of money caused by the person they want to sue!

 

I've made damn sure I've got the £100 for the AQ when it gets to that point (even though it's a struggle), but someting really needs to be done to stop this ridiculous practice.

 

Good luck with yours! :-)

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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The worse thing is, with Lloyds at least, they actually seem to try to make sure you don't have the money for the court fees. I'm my case as soon as they realised I would take themto court they demanded the repayment of my overdraft! They know your situation, and they will use any dirty trick they can. If it wasn't for my parents lending me the court fees I wouldn't have been able to proceed with my claim for a while.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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My situation is very similar to yours Mindzai! See the beginning of this thread and that's exactly what happened to me, but the withdrawal of my OD facility came a bit too quick after my prelim letter for the two to be directly connected, unless I had said something on the phone to them when I complained about the charges a couple of weeks earler - I can't remember.

 

Like I said before - is there anywhere we could all write to complaining about this? Any Mods know? Or would we be wasting our time?

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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To be honest I wouldn't be surprised if the DPA request flags your account now, they know how the process works. I'm sure they know exactly what's going on and whats going to happen the moment they get that letter. It's just a giant game of poker where we have the royal flush and they have a pair of 2s, it's just a matter of waiting for them to stop bluffing and fold. And fold they will :D

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Mayby the whole question has just been answered by bookworm - check out the latest announcements....

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Just got another letter from the court - SCM have filed the acknowledgement of service on the 15th - a bit quick methinks! Makes no difference to the timescale though - still 28 days from the service date...

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Mayby the whole question has just been answered by bookworm - check out the latest announcements....

 

Must be missing something, have you got a link?

 

You're on a very similar timescale to us, ours were aknowledged 13th, and were served on 10th, very quick response for us as well.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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I think this should go there:

 

Bankfodder Announcement

 

Referring to my earlier qustion of the unfairness of the bank's abuse of the court system....

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Apologies Mindzai - I meant Bankfodder not Bookworm! Sorry!

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Share on other sites

  • 4 weeks later...

Hi All

 

Well after a long wait SCM have submitted their defence - standard crap as far as I can see. Got the AQ, now a question: is it worth writing to them (SCM) before submitting the AQ to see if they will move at all? Or shall I just go ahead and file the AQ so they can spin it out for a few more weeks?

 

The timescale is really starting to **** me off and it's so pointless! All the time this is going on my account is effectively frozen and they have to know there's no way I'm giving up, it's just going to cost them another £100 in the end.

 

Has anyone else got any result by writing to them before submitting the AQ?

 

Thanks!

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Well, you only have 14 days to complete and return the AQ, so it's up to you, really. I think that you have done all that's possible, and that it would be pointless, but do I know how their tortuous mind works....:rolleyes:

 

Actually, I have a strong suspicion that a lot of them will be offering reduced payouts as we get closer to Christmas and people get more desperate for money. We'll see.

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Hi All

 

Been down to the local court and filed the AQ - another £100....

 

I've seen a lot of court dates being set for January - let's hope it's not that long, but as you say they may start making measly offers before Christmas when they know people need the money. God knows I do but I ain't settling for a penny less - I don't care if it takes till the following Christmas - it's a matter of principal now!

 

Just a suggestion (forgive me it it's already been done & I've missed it), can we not all write to somebody complaining about this abuse of the court service? One letter from an individual will get nowhere but maybe a few hundred would?

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Share on other sites

Good luck Derek.

 

My dates have been set for early Feb so Jan doesnt sound unlikely...

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Share on other sites

Thanks!

 

Not sure if I've cocked up here but I've just got a letter from SCM with their AQ, requesting a copy of mine. I didn't copy it because the lady at the court said there was no reason to. Ah well...

 

I see in theirs they have asked for a postponement of 1 month to "attempt to settle the claim" and that they are not available for all of October and November - how ridiculous is that??!!

 

I will write to them (when I've calmed down) asking why they want a month extra when they've already stated their "final response" and how a firm of solicitors can be unavailable for 2 months solid. I will copy the court as well. This is just taking the **** out of the court system...

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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Thanks!

 

Not sure if I've cocked up here but I've just got a letter from SCM with their AQ, requesting a copy of mine. I didn't copy it because the lady at the court said there was no reason to. Ah well...

 

You're fine. You are not obliged to send them a copy of your AQ, just a courtesy

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Thanks!

 

Not sure if I've cocked up here but I've just got a letter from SCM with their AQ, requesting a copy of mine. I didn't copy it because the lady at the court said there was no reason to. Ah well...

 

I see in theirs they have asked for a postponement of 1 month to "attempt to settle the claim" and that they are not available for all of October and November - how ridiculous is that??!!

 

I will write to them (when I've calmed down) asking why they want a month extra when they've already stated their "final response" and how a firm of solicitors can be unavailable for 2 months solid. I will copy the court as well. This is just taking the **** out of the court system...

 

They started off being unavailable for 1 month which just happened to put them in the same position as if they were allowed a stay, now they do what ever they can get away with. SCM are a joke, they more or less admitted to me on the phone today they can't cope with all the claims. make sure you keep them on their toes.

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  • 2 weeks later...

Thaks folks, sorry I haven't been on here for a while...

 

I sent them this back for what it's worth - probably won't even get read but it's something else to produce in court to prove I'm making an effort....

 

---------------------------------------

I acknowledge receipt of you letter and Allocation Questionnaire dated 16th October 2006. I have filed my Allocation Questionnaire and was told by the court that it was not necessary to copy the document, however the details were as follows:

A: No

B: No

C: Yes

D: 0

E: No

F: No

G: I expect this hearing to last no more than 1 hour.

H: Yes

I am astounded to read that you have requested that the claim is postponed for one month “so that you and the other party can attempt to settle the claim either by informal discussions or by alternative dispute resolution”. I remind you that your client has made absolutely no attempt to contact me regarding this matter since the claim began and their last communication clearly stated it was their “final response”.

If your client wishes to settle this matter then I suggest that they do so, or proceed to court as soon as possible, where the matter will be resolved, I see no reason to delay this matter further.

------------------------------------

 

Almost feel sorry for them, probably a good bunch of solicitors with their name being dragged through the mud by the bank. But I suppose they're getting paid for it....

DerekW

 

Rock On!

-------------------

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

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