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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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      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.  

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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.

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      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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Zebbydog v Yb ***WON***


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Continuing on from my thread in the welcome forum.Right here is what I intend to do now.I am doing this on behalf of my girlfriend Chelle.Been having a look at her finances and she also has a visa card with YB and an outstanding balance of about £900.She has been getting hit with a regular £25 late payment fee.If she pays up on time she gets hit with charges on the current account,when her wages go in.I intend to go to the bank today and pay the outstanding charge on the card.This will effectively close the account as she cut up the card two years ago(but they dont know this).But first a couple of questions.I intend to hit them first over the visa card charges.Can they threaten to close the current account,because we are hitting them over the visa account?

Will the fact that we have a claim in for unfair charges on the visa have any effect when I hit them for the current account?I intend to send the S.A.R - (Subject Access Request) this week and what I would like to know is,do I send the standard letter in the library mentioning manual intervention,because from time to time they ring her to remind that the minimum payment is due on the card.Any thoughts appreciated:rolleyes:

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Thanks for that.I have just been into the branch and after 20 mins in the the queue,was told they would only accept a cheque or cash(wont accept my card):-x My fault really,should have taken my cheque book with me.She will now have to ring them to find outstanding balance as they wouldnt discuss it with me:o

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Under the Data Protection Act they couldn't legally discuss your gf's account with you.

 

I suggest your girlfriend rings YB Visa and asks for the statement date to be changed to a few days later so that her wages will be in the bank when payment is due. Most organisations will do this.

 

Ok she rang them and got the total figure for the card balance.I have now paid this off in total and got a receiptso the account is effectively closed(although they dont know that).

Interestingly,I myself have had a letter today about my own card with American Express (no isssues with them) It says that they are have now reduced their charge for late payment from £20 to £8 and basicall all other £20 charges reduced to £8.:o So it looks like the big boys are starting to run scared.Time to give YB Visa a kicking.SAR going off this weekend;)

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Hi

 

Could you let me know how you get on and vice versa as I am in exactly the same position.

 

We have closed my partners Visa account and are claiming back charges etc. He also has his current account with them, which I am also claiming charges back on. The initial DSR letters have been sent and I have heard back from current account saying i will get them in the allowed 40 days. Visa DSR letter only sent today.

 

Good luck with them, hope we both get our partners charges back, and they buy us a nice present as a result! haha

 

Claire

 

Hi

Ok Claire,will do.Sending them the SAR this weekend

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Ok gonna do SAR for Visa account this weekend.One question the address in Leeds is box no.Will it be ok to send it there recorded delivery,will there be someone to sign for it?

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SAR now ready to go.One last question,do I make the £10 cheque payable to Yorkshire Bank plc or to card services as I would normaly do when paying a bill?

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Oh I didnt realise that.There is the Visa account and the current account.So do I send the SAR listing both account numbers and one cheque for £10? If so, I presume that I send it to the manager at the local branch where the current account is held.Rather than making two claims,one against the current account and one against card services

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Hi Folks

Latest update.Sent in the SAR for my girlfriends current acc and Visa acc statements to local branch of YB last Monday.Gf received a reply from Clydesdale today.I must say I havent seen this one before.Letter as follows.

Dear Mrs xxxx

SAR Data Protection act

Thank you for your recent leter in view of your request for details of bank charges.We can confirm that the bank shall be able to supply you with your bank statements from August 2000 which will detail your transactions/ charges.Which is where such information is stored.Before proceeding with your request we require a certified copy of your driving licence or passport.these documents can be certified at your local branch.Please note that we will not cash your cheque until we receive the documentation requested.We look forward to hearing fom you and if you require further assitance,please do not hesitate to contact your local branch.

Yours sincerely

Leyanne Gallagher

Network support.

 

A new twist or what?.They didnt require these docs when slapping the charges on or last week when I paid in over £840 to clear the Visa account

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Thanks Caro

My thoughts as well.I think they would like us to argue the point to cause a delay.So We will comply with their request on monday.Do you think it would be reasonable to ask for an aknowlegement once they have seen the passport?

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Passport now certified at local branch and hand delivered today at same branch with a request for copies of all statements relating to both accounts.Lets see how long it takes.They have until october 2nd to comply.;)

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  • 2 weeks later...

Received statements for Gfs Visa account today along with a letter from network support saying that bank statements to follow when they receive them.I will go through the visa statements later today and tot up the damage.The question now is do I send the prelim letter and start the claim in respect of the visa account.Or should I wait for the bank account statements to arrive,put the whole lot together and make one claim for both accounts:confused:

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Prelim letter sent today,claiming back charges of £658 in respect of the visa account.The statements arrived today for the current account,but havent had time to go through them yet.It will be the weekend end before I get the chance to do this and get the schedule of charges printed out with another prelim letter.If I so wish,can I then send an LBA claiming for both sets of charges after they fob us off? or would it be better to keep both claims separate:confused:

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Current acc statements at first rough estimate are £2400:o Still not sure if to make two claims or lump it all together.I was wondering if it may be a bit easier with the Visa as they had their fingers rapped over late fees by the OFT.Or am I dreaming and they will be just as awkward over this account:?

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Prelim letter for visa account sent first class recorded delivery to address on sticky on this forum 12 september.But Royal Mail tracking number not showing that it has been delivered yet:confused: I was going to send prelim letter for current account tomorrow claiming back £2397 but not sure what to do now that first letter in respect of visa acc seems to be missing.Have sent gf a text with tracking no and told her to call at post office and see what the story is.

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Ok gf been to post office and they dont seem interested,just gave her a form to fill in.So it looks like I will have to do another prelim letter for the visa acc.Does anyone know if it would be acceptable to include it with the claim for the current acc :confused: and send it to the manager at the local branch of YB?

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Latest update.It seems that YB did get the prelim letter(although still not showing on Royal mail site,whats that all about?silly me I was thinking that when you pay for recorded,you get a record of delivery:confused: ) because we received afob off letter from card services.Sorry you are not happy and appear to have lost confidence in our card,but we are not refunding,t and c's ombudsman, internal complaints procedure etc etc.Now going to to do LBA.Prelim for current acc went out yesterday

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Prelim letter for current acc sent last thurs .Letter arrived today from Glasgow but not opened it yet (Gf at work) I presume it is the fob off letter.LBA for visa account going out today.

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Bog off letter came in response to our prelim letter for current acc.explaining charges were fair etc etc,also a threat to counterclaim if we take court action.strangely this letter cme from the local branch not Glasgow.Lba now sent,lba for visa acc went two days ago

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  • 2 weeks later...

Latest update.Recieved a letter yesterday from Mr McKirdy,saying he is going to reopen our complaint and bring it to a speedy conclusion ,but it could take 28 days.I presume this is a load of bull and if we wait the 28 days we will hear nothing? the letter does not make any ref to an account number,but judging by the date he mentions,I presume it is for the cuurent acc (the big claim).No mention of the Visa account ( the LBA expires on tuesday).I was going to wait until next weekend and then file a money claim.But my question is, can I include both accounts on the one claim.Or does it have to be done separately,seeing as it is two different addresses,ie local branch for curr acc and the Leeds address for the Visa acc.I want to get this right as I dont want to give them any excuse to try and get the claim thrown out at a later date.Any advice will be most welcome

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Also g/f got latest statement today showing £25 charges to be added next month.The reason? she went 1p over her o/d limit for 1 day:mad: Would it be wise to write and ask for this charge to be waived or or ask for a breakdown of costs to determine how it is costing them £25 to cover 1p over a period of 1 day or forget it and and make a new claim later? I cant add it to current claim as we are already at the six year point.It seems they never learn,this has made us determined to take them all the way

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  • 2 weeks later...

Ok. Lba deadline passed for both accounts,I have done the calculations again and added interest.I have just issued the MCOL. Do i now have to send the bank the updated details of the claim with the interest added? and do I have to send one to the court.:)

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Ok thanks Caro.So correct me if I am wrong.I can now send YB the updated schedule of charges including interest, to the address I put on MCOL and then I wait to hear from the court to send them the new schedule of scarges (i dont have an address for the court yet) presumably at the AQ stage:confused:

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Today we received a letter from Ms Ross stating that as we have not provided the bank with a detailed schedule of the charges we are claiming back,she will aplly to the court to have our claim struck out if we do not provide these by 25/10/06.Have sent these today to the legal dept and a copy to head office in Leeds pointing out that this is the third time I have sent a schedule of charges to them and after taking legal advice have now added 8% interest to the claim.The bloody cheek of these people

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