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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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    • 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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Gonna send a letter off to Steve Webb MP on Monday.... will be interesting to see his response.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Should I send a follow up letter...?

Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

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Hmmm, I wonder, if, in Scotland, Margo MacDoncald and oh what's the tan one in the news for claims about his sexual exploits: (can see his face, how could I forget this name?) would be prepared to lead something in the Scottish parliament and maybe shame some Westminster MPs into following suit?

 

I believe both referred to above are more ready to stand up and be counted while acting in the interest of their constituents than are they able to be pushed into towing the Party line by their fellow Party members. That old Scottish tenacity, which can be invaluable at times like this.

 

I'm telling you, Party Politics prohibit democracy.

 

Let's get party politics abolished. I'll start the thread if someone can tell me how to start a thread on here. I sent a mail to the webmaster wo replied directign me on how to do it but I am still lost.

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Should I send a follow up letter...?

 

Yes ask him how allowing the banks to continue to act unlawfully benefits the consumer & he shouldn't forget the electorate.

 

Tell him that if he does consider its OK then perhaps his opinion should be made available to a wider public on this & other websites so we can all take comfort in knowing he as a pillar of the establishment who like some of his colleagues sanctions such activity.

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Follow up letter to My MP..

See what response this one gets ;)

Mr Jim McGovern

House of Commons,

Westminster,

London. SW1A 0AA

 

 

 

Dear Jim,

Thank you for your letter dated 5th October 2006 regarding Penalty charges issued by high street banks.

Many members including the Administrators of the Consumer Action Group have already written directly to Alistair Darling regarding this matter, to date no one has had any reply from Mr Darling.

The Consumer Action Group have in the region of 80,000 members and this number is rising daily, By December it is estimated that the membership will be in the region of 100,000. I myself am in direct contact with the Administrators of this website on an almost daily basis.

I also understand that Mohammed Sarwar MP has begun a campaign against bank charges in association with the trades union Unison and that The Consumer Action Group will be involved in it too. Mohammed Sarwar MP has written directly to Gordon Brown on this matter. We have not seen any response to this letter as yet.

The Consumer Action Group now has over 80,000 registered users. The Consumer Action Group are holding a rally outside the offices of the office of fair trading on the first of December 2006 at two o'clock in the afternoon. BBC television news have already expressed an interest in coming along to this rally. I intent to be present at that rally if at all possible. It would be good to see some of our MP’s attend this rally and offer their support.

CONSUMER ACTION GROUP & PENALTY CHARGES FANCY DRESS RALLY

When: 1 December 2006 at 2.00pm

Where: Gather outside the OFT offices in Salisbury Square EC4 (nearest Network Rail Stations Blackfriars and City Thameslink).

 

Click here for map

The Consumer Action Group (www.consumeractiongroup.co.uk) and Penalty Charges (www.penaltycharges.co.uk) will be holding a peaceful protest against unfair and unlawful bank charges at 2.00pm on 1 December 2006 outside the Office of Fair Trading in London.

 

The Government and OFT have repeatedly been asked to take action against banks and credit card providers who are unlawfully penalising their customers. So far they have failed to do so.

For years the banks have been levying penalty charges at levels that, for many, create a vicious spiral of debt and poverty. These charges have the biggest impact on the poorest members of society some of whom see their benefit payments swallowed up by bank charges. Even worse, it is now apparent that these charges are set at levels that are clearly unlawful.

The Consumer Action Group and Penalty Charges campaign were set up to help people fight back and recover these unlawful charges from their banks. So far 84,000 people have registered with the two websites and thousands of them have recovered millions of pounds in charges.

The objective of both sites is to demand that the banks respect the rule of law and, if they fail to do so, for the Government and OFT to intervene to compel them. To help reach their objectives, they will be holding this rally to get the OFT to take action against the banks' unlawful activities.

In order to demonstrate to the Government how serious the situation is, the rally will have the theme of 'A Christmas Carol' and members are asked to attend dressed as beggars - Bob Cratchitt, Tiny Tim, and generally poor people in rags - down and out people, to ensure the Office of Fair Trading understand the somber message that their failure to deal with this issue is leaving hundreds of thousands of people in poverty at Christmas and throughout the year. Members are also asked to wear masks to symbolise the hidden nature of unlawful bank charges.

It is also now becoming more common for the courts to be applying stays to these claims until the results of a test case have been announced. As you are well aware this is playing right into the banks hands as they will always settle claims right at the last minute. It is really about time that the banks are made to stand up in court and account for their actions.

Some cases are now being transferred away from the Small claims track to the the mercantile court in London

The prospect of taking on a huge financial institution with a team of specilist lawyers is daunting in the extreme, however, I must stress that I believe in the justice of these cases and so have little choice but to bear the burden which could place myself and my family under huge financial and emotional distress. I would like to make my feelings clear at this time that the burden of any cost should ultimately be borne by the Office of Fair Trading, who have both the power and the resources needed to bring the necessary test case against the banks.

Ian Reid

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Yes ask him how allowing the banks to continue to act unlawfully benefits the consumer & he shouldn't forget the electorate.

 

Tell him that if he does consider its OK then perhaps his opinion should be made available to a wider public on this & other websites so we can all take comfort in knowing he as a pillar of the establishment who like some of his colleagues sanctions such activity.

 

Would someone give me a hand with this? As a 22-year-old who has never had an interest in politics, until now, I have no idea what the word electorate means!

:oops:

Just a couple more paragraphs (and a bit of explaination with regards to political stuff) would be a MASSIVE help.

:D

Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

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the body of enfranchised citizens: those qualified to vote

 

Hope this Helps

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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So,

 

Electorate = Consituents (who are eligable to vote)?

 

I feel stupid.

Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

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No problem :D we all have mental blocks at times, though mine are normally only when Im awake..lol

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Yes ask him how allowing the banks to continue to act unlawfully benefits the consumer & he shouldn't forget the electorate.

 

Tell him that if he does consider its OK then perhaps his opinion should be made available to a wider public on this & other websites so we can all take comfort in knowing he as a pillar of the establishment who like some of his colleagues sanctions such activity.

 

Do I send this letter to MY MP, Alan Meale or to Ian McCartney :idea:

Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

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I would send to them both..The more the merrier..lol

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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I wrote my letter to my MP, Derek Wyatt on 21st September & I have just received his reply today.

Many thanks for your letter of 21 September regards this important issue. My apologies for the delay in responding but it arrived whilst I was at the Party Conference and, in the interim, I have been trying to secure an up-to-date profile for you regarding these charges.

To that end, I have rung WHICH? - to establish whether progress is being made with their campaign, and with the matter in general. I am still waiting for the relevant person to call me back.

Clearly, I share your concerns and those of the Consumer Action Group regarding bank and credit card charges. It is good to learn of Mr. Sawar MP's efforts, and I would be very happy if the CAG would like to know of my support.

In the meantime, and because I was not fully up to speed with the current state of play, I asked our specialist Library for a briefing. I enclose a copy herewith, and trust it will be of assistance to you. I am taken aback to learn that the OFT failed to act on the relevant deadline. I have therefore tables a Parliamentary Question asking when the OFT recommendations will come into effect. As soon as I have the answer to hand, I will of course be in touch.

He has attached Standard Note ref: SN/BT/3941 updated 26/6/2006 by Timothy Edmonds, Business & transport section. This document is 9 pages long, includes Bookworm's court bundle:D , BAG's legal argument & website, OFT announcement, Banks' response & Parliamentary activity. Also attached is Minister Presses 'Go' on Consumer Credit Act 2006 dated 25/5/2006 ref: P/2006/134.

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Derek Wyatt MP

 

I like the sound of him. Sounds like he is a good MP who gets the job done, unlike mine who just passes the letter on to anyone he can think of. I think the only personal letter I got from my MP was a 'with compliments' slip!!!

 

Where do I have to move to to get a good MP like Derek Wyatt MP?

Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

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Where do I have to move to to get a good MP like Derek Wyatt MP?

 

The lovely borough of Swale :o in Kent, Jen - where - surprisingly it's a lovely sunny day - unlike yesterday with torrential rain.

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Reply to my Second letter to My Mp

 

Penalty Charges issued by high street banks

 

Thank you for your further email to me about this issue. I am impressed by the level of support the campaign has been able to generate. Mohammad Sarwar MP is a close colleague of mine and I will be talking to him to see if there is any way I can help in forwarding the campaign here in Westminster.

 

Since I last wrote to you I have been trying to pursue this issue in Parliament hoping that this would bring about a quicker answer than a simple letter. In response to a Parliamentry question I laid down on Monday I recieved this response from Ian McCartney, the minister of state in the department of trade and industry.

 

"The OFT have been looking at the question on penalty charges in respect of credit cards and have stated that they believe such charges had been generally set at a significantly higher level than was considered fair and set a £12 threshold for OFT intervension unless there were exceptional business factors.

 

The OFT is of the view that the broad principles do read across to the retail banking area and has decided to undertake further work on application of these principles to bank current accounts. This fact-finding excercise is expected to take place between three to six months, at which stage the OFT will consider whether a further detailed investigation of the fairness of individual bank charges is needed."

 

Whilst this process can be a slow one the fact that the OFT are planning to undertake a full investigation into bank charges can only be a good thing. This is especially the case when they have already expressed the belief that their ruling on credit cards can be read across to bank accounts.

 

I still await a response from Alistair Darling and will get back to you once I have recieved that response or if any other progress is made.

 

I hope that the above is of use to you. If there is anything else I can help you with please do not hesitate to get in contact with me.

 

Yours Sincerely

 

Jim McGovern MP

Dundee West

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Precisely. The OFT launching another investigation is not a good thing. UTCCR requires them to take action, or otherwise properly justify not taking action. The OFT getting off its backside and dishing out the long-overdue punishment would be a good thing.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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I also wrote to my MP and pointed out the personal impact bank charges had on my life when I was looking after my Dad as he was dying, and trying to cope with the 5 months out of work which followed. I stressed the 'unlawfullness' of these and advised him of the contact details for this website in case any other poor sod constituent has to experience these.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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It appears my MP, Derek Wyatt, has honoured his promise;

 

... and, just like his namesake with Heather, this Mr. McCartney fobbed him off with the usual rubbish. :(

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Still no reply from Alistair Darling, been waiting since August, I think another letter stating my unhappiness and if he doesn't pull his finger out I will not be voting for him, or do you think a letter to the local paper would be better.

PRELIM 18 Aug 06 - Business Account RBofS £735 - Reply recieved 12 Sept. Fob Off:mad:

LBA 1 Sept 06

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What about a letter to AD with a copy to your local paper? Make sure he knows that you have sent the copy!;)

 

Indeed. I always find that leaving instructions for the publishers (usually around the point where you cc: the paper at the bottom) is often effective.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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  • 3 weeks later...

I wrote to my MP on 27th October, and received a response on 31st (quick work!)

 

Dear Girltuesday

 

Thank you for your letter of 27th October and I am sorry to learn that you have been caught up in this rather sharp banking practice. I am fairly familiar with the problem because I have been working with BBC journalists on this issue.

 

My personal view is that, although banks should be entitled to charge a penalty if someone breaches an agreed overdraft limit, I think that the fee charged should simply reflect the cost of the administration of that situation. I do not believe that the banks should charge punitive fees and I believe that it is illegal for them to do so though no one seems to be enforcing the law. As you have found out from your own experience, the banks are seeking to avoid a legal definition of what they can charge by caving in to avoid court action.

 

I am currently seeking to track down the legal basis for the belief that banks by law are only allowed to charge administrative costs for breaches of bank overdraft agreements.

 

If it is correct that it is illegal, then I will certainly be pursuing this further with the Treasury because it does seem odd that they might be breaching the law with impunity,

 

Nonewithstanding that, I also believe that somthing has to be done to make the system that the banks are operating fairer and more reasonable so that they are not simply using this as a money making scheme at the expense of people who, by definition, will be affected financially.

 

I am grateful to you for raising this subject.

 

Simon Burns MP

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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