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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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.  
    • 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).
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    • 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. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      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
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*** WON - BC charges repaid with Compound Interest ***


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Blast! Double post!

 

Might as well mkae use of this.

 

Just tried it with the Bank Account SS and I can't get that to work either. No matter what figures I put into either SS none of the balances tally with what I've got on my statements.

 

There HAS to be a better way!

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Hi Fenris,

 

There are 2 other options:-

 

1. Use this spready which was also included in the Int't Tutorial - http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

2. Use this calc'r to calc the int't on each individual charge - Compound interest calculator To make it work, use the guide at the foot of the calc'r.

 

Rate of Int't - enter the rate shown on your BC state't for cash advances.

 

No. of Rests each year - 12.

 

The first option is probably best because it will update the interest on each charge automatically when you change the current date.

 

Hope this works for you. :)

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  • 3 weeks later...

Well, I'm just full of letters today! Got one in response to my letter asking for just over £4,500. to be repaid. It says, "We are very sorry to learn of your CLIENT'S dissatisfaction..." My client's dissatisfaction? My CLIENT'S? Bog standard letter to solicitors I feel. So, they reckon they'll sort it by 14th July. Well, they won't; I'll just get the "shove off" letter. I'm not waiting any longer, so I'll be starting a Court Claim. Will update as and when!

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  • 3 weeks later...

Had to wait longer than expected to get a letter from the Job Centre so I don't have to pay for my claim. In the meantime I got a letter from BC to say they'd refund the CARD (that's not enforcable!) £350, plus £111 in restitution! They sent me a statement of charges too; very few actual charges I inccured were on it and the ones that were were all marked at £0.00. What?! I'm doing the Court form now and will be claiming for the £4,500 plus the 8%. We'll see.

 

Blast! Sorry, one question: what should I put in the "Brief details of claim" section on the N1? I've found the full POC in the Library section, but, obviously, that doesn't go on the front page!

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In the "brief details" section, adapt and use the wording from the N1 guide for bank charge reclaims:-

 

Money claim for return of credit card penalty charges and associated interest charges applied to the Claimants credit card account by the Defendant on the basis of a mistake because they are either a penalty or because they are invalid under the Unfair Terms in Consumer Contracts Regulations 1999.

 

:)

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By posting as above, Tosh1 has subscribed to your thread and will be sent notice each time something new is posted here.

 

Subbing = subscribing.

 

:)

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  • 2 weeks later...

Anyone can sub, now I know what it means! Lol!

 

OK, had a letter back today from the Court; Barclaycard are defending the case. :( I knew it wouldn't be easy for me.

 

Anyone who's done this know what my chances of winning are? I'm gessing 0%.

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Oh Fenris don't think negatively! Be positive flower, they may say they are going to defend at this moment just to see if you will back off but most of the threads that I have read who have pursued suggest most banks pull out at the end and that's what's gonna keep me going :D

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Hi Fenris,

 

Your chances of winning are very good if you prepare adequately.

 

First off, you should read up on dealing with the AQ and including your Draft Directions with it.

 

Experience to date suggests that you should then concentrate on getting your Court Bundle ready in good time. Put the stuff together in a file on your 'puter, ready to be printed when needed.

 

BC may defend at this stage but they tend NOT to file a proper and full defence in response to the evidence which you submit. By not defending properly, they cannot argue the case in court.

 

They will negotiate a settlement either before the court date, or at court before the hearing takes place.

 

:)

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Thanks to everyone for the support and particullaly to Slick for the advice. I was having a bad day when that letter came through, hence the negativity (I suffer from depression and some days are worse than others!). I'll have a read through other people's threads to see what sort of bundle I need to prepare and I'll update accordingly.

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Another quick update. Got a letter from BC today. Now, dispite my catagorically telling them NOT to credit my card, it seems they've put £221.00 plus £129.11 contractual interest back onto the card (which, having just checked is less that the £350 + £111 they said they were going to refund, so they're all over the place with their figures anyway)! I sent them the template letter for refusing this, but it seems to have made no difference and they've done it anyway. They're now offering me... wait for it! a further £42.80 contractualral interest "in full and final settlement" of my claim! Wow! This they're also putting back on the card! I mean really, they've got the Court files now and they honestly think I'm going to drop it for a measily forty quid which I won't even see? Not likely!

 

So, do I now send them another refusal letter? They've said this is now their final response.

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Hi fenris

 

I think it's common practice for them to credit accounts even if it's not been excepted as full and final settlement - don't get too upset by it. Just keep on plugging away as long as it doesn't cost you anything. Barclaycard believe they have a unilateral right to everything. The way they figure it is, if the accounts in debt it will reduce the debt, if the account is in credit you'll spend the money and they might get some interest off you.

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Well, that's part of the problem rebel. You see, they say I owe them just short of three grand. Now, by my calculations they owe me five grand! So, even if they keep adding these pittance monies back on the card, they've still got to give me two grand back. Add to that that the three grand they say I owe is on a card that's unenforcable... Well, you can see where I'm going with this!

 

I sat down one day and wrote out all the things I'd bought on the card and added up how much they'd cost without all the interest; so as if I'd bought them on my debit card. Then I worked out how much interest I'd paid during the time I had the card. Worked out that I'd spent twice as much on interest as I had done on actually buying the items! So, for every £10 item I bought, it had actually cost me £20. This is after all the Over Limit and Late Payment fees, mind you. So they've had plenty of money out of me!

 

If I have to fight them to the door of the Court room I will; they're not getting rid of me that easily!

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Hi Fenris,

 

Re post #69 above, stick to the salient points here. This is a credit card which is obviously an expensive way to make purchases if you don't clear the balance each month. But that doesn't mean they owe you the interest you paid on purchases over the years.

 

How much in charges and in interest are you claiming from them please.

 

And how much have they now refunded, or agreed to refund.

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I was just making a point! I was running the card really well until I lost my job at which point BC didn't give a monkey's and started adding charges hand over fist. I know they're expensive, but I was only young when I took it out and didn't know how bad things would get. That's no excuse for ANY credit card company to behave the way they do! I'm not saying they owe me the intest at all, I'm saying they've had twice what I borrowed and don't see why they should have even more in charges! As I said, I was just making a point and don't really see why you responded like you did. I've always appreciated your help and have said so many times so I don't know whay you felt the need to be sharp with me?

 

For the record, including compund interest they owe me just under five grand as of three weeks ago when I filled out the Court papers. As of today they've refunded the card about £400.00, give or take a few Pounds.

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Hi Fenris and I'm sorry if you felt my post was sharp. My intention was NOT to be critical, but to suggest you stay focused on what you can do to get back as much from them as you can.

 

I take your point, that you have paid a lot over the years and BC certainly have a bad reputation for sticking the boot in when customers fall on hard times. I was posting quickly and just wanted to say, "Don't get angry, get even". Apologies if you took offence as none was intended. 8-)

 

Once BC enter their defence, you'll be asked to complete the AQ. Have you sourced this and are you acquainted with the Draft Directions you can offer to the court.

 

Have you started to put your Court Bundle together. At this stage, just gather the necessary doc'ts and store in a file on your 'puter, ready to print off when required.

 

:)

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  • 3 months later...

Hi Slick,

 

Sorry, hadn't realised there'd been a reply since I last posted in this thread! Anyway, sorry for my previous wordings. I think I was just finding this all a bit too much!

 

Anyway, had a letter from the Court a couple of weeks ago and they've given me a Court date of 10th December, so I now need to get this bundle sorted. I've been searching the forums but I'm not 100% sure what I'm supposed to put in the bundle as I've never done anything like this before. I found this forum post: http://www.consumeractiongroup.co.uk/forum/showthread.php?94442 (entry #7); is this what I need to do? It looks really complicated and I don't understand any of the acronyms. And since the website's update I can't find anything! (What happened to, "If it ain't broke don't fix it"?)

 

So I need to get the paperwork in 14 days before the Court date so I've got a couple of weeks yet, but I really don't know where to start. Is there somewhere on the site that had a blow-by-blow account of how to put this bundle together and what should go in? A "Court Bundle for Idiots" guide, if you will?

 

Also, whilst I was searching, I came across several people who were going to charge BC for thier time in preparing the bundle. Is this really worth doing?

 

Cheers,

Fen.

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Hi Fen,,

 

The court bundle link needs activating so it's visible again.

 

I'll see if this can be done - you should find it in the Consumer Bank Templates bit in the Library.

 

The site update was needed as the old system was no longer being provided with updates and support.

 

I'll not be around until after the w/end but, if you haven't got access to the court bundle by Monday, post here to say so please.

 

8-)

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