Jump to content


  • Tweets

  • Posts

    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
  • Recommended Topics

  • Our picks

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

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

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

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

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

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

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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

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

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

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

       

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

Are overdrafts covered by cca's


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5040 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

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

 

Thanks

Recommended Posts

Hi,

 

Well I've already sent them the "in dispute" letter, as this response is well outside the 12 &2 day cca time frame.

 

I'm unfamiliar with the McGuff ruling (sorry to be out of touch!), what impact will it have on the situation of those who are challenging banks when they don't/won't produce a CCA for their OD ?

 

What defence do we have with ODs and no agreements, compared to those that we have on similar situations with credit cards & loans ?

 

Abs x:)

Link to post
Share on other sites

  • Replies 188
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi,

 

Well I've already sent them the "in dispute" letter, as this response is well outside the 12 &2 day cca time frame.

 

I'm unfamiliar with the McGuff ruling (sorry to be out of touch!), what impact will it have on the situation of those who are challenging banks when they don't/won't produce a CCA for their OD ?

 

What defence do we have with ODs and no agreements, compared to those that we have on similar situations with credit cards & loans ?

 

Abs x:)

 

McGuffick was basically the judicial system saying "up yours.... claim firms".. i.e. the ones who said do a s77/s78 request and if they dont comply take them to court to demand unenforcability... the judge basically said that recording bad/late payment markers on the credit file is allowed as its not an enforcement action.

 

Basically it appears the defence of not complying with s78 has been removed BUT they still need something to show the court to say an agreement existed.

 

S.

Link to post
Share on other sites

Think the McGuffick case actually invited the banks into a potentially explosive 'false sense of security' actually. Many people will challenge the 'rules' surrounding an OD and ask for proof of any agreement and typically the banks state an OD is not regulated by CCA law, usually choosing to uncomplicate things by ignoring the exemptions aspect of their 'right' not to have to produce a regulated agreement.

 

Whilst any dispute continues the bank will register a default on your credit file safe in the knowledge that this is not considered to be an act of enforcement, thanks to the McGuffick ruling.

 

This of course does not mean that the registering of that default was appropriate, justified or correct. For those who have such an entry made against them that is subsequently found to have been incorrect an injury to credit claim or counterclaim could be anticipated. All the more so for someone with a previously unblemished credit file.

 

Given the increasing level of argument and lack of documentation the banks have frequently failed to preserve it can only be a matter of time before such claims will become commonplace. If they do it will no doubt be in part to the implied presumption of the banks that the McGuffick ruling effectively made it 'OK' to deface individual credit files on masse when in fact there always should have been an overriding emphasis of responsibillity in recording such notices on credit files, as intended by the CCA legislation in the first place.

 

Bankers appear to have short and very selective memory however and clearly this 'now justified permission' to issue DN's like candy will at some point in the future become a larger issue of contention than it appears to be today.

Link to post
Share on other sites

well we've still had nothing back from DLC/Hillesdean/DL&C for ours other than the std mcguffick letters, that case doesn't apply to me as

 

WE won't be taking them to court

they haven't got any paperwork yet so can't apply a default as per the case

in any case i've already got a default on my CF anyway re this acc so thay can't put another one on

 

we've had a few calls, and a "contact us urgently" letter but nothing else

 

they've been CCA'd and it's been put in dispute and all they can do is quote inapplicable case law at the minute

Link to post
Share on other sites

Hi ..

 

I also won't be taking NW to court over the OD, but bearing in mind their response to my CCA request saying that ODs are only partly covered by the CCA74 - in respect of reporting ... what would be the best next move for me?

 

My original CCA request included the following regarding the regulation of ODs under the CCA74 ..

"you will be aware that an overdraft is a debtor creditor agreement as defined under section 8 and 13 of the Consumer Credit Act 1974 (CCA74), and is a running credit account as defined in section 10. Accordingly, s78(1) of the CCA74 sets out quite clearly what is required in order for you to comply with my request, and quote “shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it”. (I then went on with the standard CCA request letter)

 

The register of a default doesn't bother me, but what does worry me, is NW or their reps getting this into court .... in this case shall I just keep re-sending the "in dispute " letter, including ref to the above as defence to any possible litigation

Any thoughts ?

 

Abs x:confused:

Link to post
Share on other sites

Abby

 

I suspect FOS will be useless (as usual!) - but it might be worth contacting them in any case just to see if they can help - especially if NW do threaten court action. If nothing else it delays things while FOS investigate - at NW's cost of ££££ and hassle!

 

BD

Link to post
Share on other sites

  • 3 weeks later...
  • 5 weeks later...

I don't suppose someone can have a peek at my thread below?? Please, pretty please....

 

I got a ccj 2 years ago about a NW overdraft debt.

There is a discrepancy about the balance anyway: Solicitors claim total is x amount; NW claim total is y amount.

ccj is on x amount which solicitors say is the total debt to NW.

But NW keep sending interest accruing statements on y amount, despite having the ccj and a payment plan with solicitors on x amount.

x amount is a fifth of the y amount NW say is the total debt.

 

Now I have read this thread I am wondering if I can get the ccj set aside and the OD proven unenforcable ??

 

Advice is really, really appreciated as the solicitors have just sent a letter asking me to increase the monthly payments or they will re-start legal action against me...

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/258751-hp-mum-nat-west-new-post.html

Link to post
Share on other sites

  • 5 weeks later...

well had an update today on one off the acc's, after a bit of letter tennis. Barclays can't provide DLC/hillesdean with the required paperwork, so the acc's on hold with nothing else going to happen unless the correct doc's appear. (never gonna happen)

 

and the default fell off the credit file last month as well :D

Link to post
Share on other sites

I'm in a current tennis game with Credit Security (DCA for \Barclaycard). How old is your CCA? I suspect mine (predating 1999 but not sure exactly when) is lost too? (I hope so!)

 

BD

 

 

this thread was regarding a barclays OD, but i have had a dca comeback with no CCA in exsistance for barclaycard. I've even got a letter from them when i asked about a PPI claim saying they had no record of any account for me.

 

mine was around the same time as yours.

 

maybe try contacting B'card yourself with the account number, if they write back saying no record as well, forward that to the DCA then tell them to do one :)

Link to post
Share on other sites

Hi, I have my own thread regarding my od - which has a faulty DN - and whereby the bank has disputed regulation under the act, save for the issue of a default notice which they say they must strictly adhere to .

 

I have recd today a offer of a reduced settlement ...

 

Anyways, I have been directed to this thread by one of the site team, and had a good read ... its all a bit much to take in at the moment, but wondered if you thought this letter is ok to send back to the bank ...

 

Or if you can suggest any amendments, or know of a better one ?

 

Also, I read here that the original od letter must contain the procedure to terminate the agreement.

 

My original OD letter has the agreed od limit, monthly and annual interest rate, but with regards to termination it says " your overdraft is reapayble upon demand. But if we increase or reduce your overdraft, we'll write to you three weeks beforehand". Does this mean the requirements for detailing the procedure to close?

 

Desperate for any help ... as I say I have a thread of my own, so don;t mean to hijack, but seeing that lots of people are contributing to this though it would give me a good chance to post this letter up, to get lots of points of view ... hope ok.:)

Edited by robinredbreast
attachment removed
Link to post
Share on other sites

RR

 

HBOS are currently using the "overdrafts not covered by CCA" excuse to try to wriggle out of the current case against them in Glasgow Sheriff Court ( see the thread and Govan Law Centre's own web site for more info). It looks as if we'll get an answer to this before long.

 

Keep your od facility letter safe - few people still have these - and the banks tend to lose them too after a number of years!

BD

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...