Jump to content


  • Tweets

  • Posts

    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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 4) 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
  • 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

Advent Computer Training (Barclays Partner Finance)Info and discussion thread


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3921 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

on another subject i rang barclays today and moaned about how i had asked repeatedly to have my account put in dispute ,and how i was getting constant calls from mercers and threatening

letters ,the guy on the phone contacted customer relations and after i gave him my complaint reference he agreed to put my account on hold!for how long that lasts is any ones

guess!

I also made him aware of the breach in there database and said that i would not pay for something i have not received nor want from another training company!

I told him that i would consider paying for what i had received but thats all!

Link to post
Share on other sites

  • Replies 5.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

This has been brought up before and probably lost somewhere withing the last 200 pages. However I have spoken to my adjudicator this morning and raised this question with him. He advised that in the eye's of the FOS, this would not be an issue as the content of the course hasn't changed and we accepted the course and began studies. A court might see it differently as an issue with the contract, but they might also see it the same way.

 

He also advised that CT are looking to implement a system where you can verify your details and see the course etc, without accepting them as a new provider.

 

My claim is still under investigation as they are still waiting for BPF/CT to provide details of the replacement course, which seems to be proving difficult.

 

Well I emailed the FOS in relation to the sales rep not signing the enrolment form and the terms and conditions, here is the reply...

 

If you started the course, you have contracted by conduct. However if you wish to pursue the point of enforceability, your case may well be better suited to a court of law.

However, I would remind you that by studying, you have derived a benefit from the course materials; therefore I find it difficult to foresee a finding in your favour on this basis.

This is my initial opinion based on the submissions to date, based on your request for an assessment. Please advise if you wish to continue with your complaint via the FOS.

What ever you email the FOS its not good enough - u'd have more luck getting blood out of a stone!! I give up!!!

Link to post
Share on other sites

If you started the course, you have contracted by conduct. However if you wish to pursue the point of enforceability, your case may well be better suited to a court of law.

 

Rough translation: Don't wan't to know. You may have a claim but we wouldn't want to upset our quango lifestile of getting paid for er, showing up in the morning, so............... you're on your own

 

David.

Link to post
Share on other sites

He also advised that CT are looking to implement a system where you can verify your details and see the course etc, without accepting them as a new provider.

 

My claim is still under investigation as they are still waiting for BPF/CT to provide details of the replacement course, which seems to be proving difficult.

 

Point 1 - They have been saying that for the last 3 months.....lol

 

Point 2 - It is going to be hard, CT will not want to provide deatails of something they can not provide [like for like] without implying the students will have to pay more. once again lol.

 

i agree with the above poster the fos will not want to upset the banks. I think the only way it will be resolved is in court.

Link to post
Share on other sites

Yeah the FOS is a joke they seem better suited to helping banks then people, I just don't see how they can arrive at these decisions Legally or Morally what are they scared of?

 

Losing their jobs - and i am being serious.They will help you get back £12.00 bank charges.But anything else and they

are scared.I am suspicious that their adjudicators are equipped to deal with anything - and are adjudicators in name only.

Link to post
Share on other sites

Hey all. Aint been on here for a few days so just catching up. Had two calls from mercers but havent spoke to them. They rung my mobile yesterday and when i answered it was an automated service that said, sorry we have been unable to speak to you and please contact us. Il wait for them to ring again. Sending a copy of my second final response from barclays that i recieved a couple of weeks ago to legal team, been a bit delayed.

Link to post
Share on other sites

Well I emailed the FOS in relation to the sales rep not signing the enrolment form and the terms and conditions, here is the reply...

 

If you started the course, you have contracted by conduct. However if you wish to pursue the point of enforceability, your case may well be better suited to a court of law.

 

However, I would remind you that by studying, you have derived a benefit from the course materials; therefore I find it difficult to foresee a finding in your favour on this basis.

 

This is my initial opinion based on the submissions to date, based on your request for an assessment. Please advise if you wish to continue with your complaint via the FOs

 

 

What ever you email the FOS its not good enough - u'd have more luck getting blood out of a stone!! I give up!!!

 

how can you contract the coarse when they state no contract exsits if no signature? so according to the t&cs there is no contract to begin with. sounds like fos coming down on the side of the banks again.

Link to post
Share on other sites

I had Resolvecall Ltd come to my house today, but i wasnt home so they left me a note. Anyone else had these guys round yet?

First of all read this. http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Then complain to the Office of Fair Trading.

This bit is of interest.

f. visiting or threatening to visit debtors without prior agreement when the debt is deadlocked or disputed.

 

g. not giving adequate notice of the time and date of a visit

 

Link to post
Share on other sites

I had Resolvecall Ltd come to my house today, but i wasnt home so they left me a note. Anyone else had these guys round yet?

Send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html

Link to post
Share on other sites

Morning all,

Had a letter from Barclays basically saying that they are honouring sec 75 by offering computech and that they ARE like for like. Been given 8 weeks to reply otherwise they consider this matter closed even though i told them i was part hausfeld action group. Doesn't seem to be a real constistancy with what they're telling us. Fuzzbutt, i will post the letter to hausfeld and my reply. Thanks again fuzzbutt for all you've done. You've probably saved my sanity!

Link to post
Share on other sites

Hi

Just had a call from the FOS adjudicator, seemed like a reallt understanding guy, we had a long chat, he called Barclays for me and got them to freeze all payments for a month and take off the mark on my credit rating. He said there's no promises with resolving the issue but will do his best. Fingers crossed!!

Link to post
Share on other sites

Hi

Just had a call from the FOS adjudicator, seemed like a reallt understanding guy, we had a long chat, he called Barclays for me and got them to freeze all payments for a month and take off the mark on my credit rating. He said there's no promises with resolving the issue but will do his best. Fingers crossed!!

 

At least thats something positive.. maybe next time you can ask whose side are they on?

 

when I spoke to consumer direct the other day, the rep told me that fos are supposed to be unbiased.. I mentioned we did not feel that was the case.. that they are a government body overseeing disputes and such between customers and finacial institutions, she did mention that there is a right of apeal against their decisions??.

I asked her was she aware of the goings on.. and she said yes.. she had delt with and heard of many cases such as I was phoning about.

 

you would have thought by now with so many complaining that somewhere a light would come on and ask what is actually happening.

 

I am waiting for trading standards to call me about Mercers and their letters.

 

so now we are in August and still no training.. what a waste of time and money.. I lost my £500 deposit advent took it :(

Link to post
Share on other sites

Why Barclays is so aggressive in making as keep up the payments? After all we could consider our case a good case against Barclays with high chances of winning. If Barclays is aggressive because, as some of you mentioned, knows it doesn't stand on solid ground, then will it make any sens asking for money so it could give it back to us again? Or, may It be the case that once Barclays grabs our money then it would be harder to get it back, even on a good court case?

Link to post
Share on other sites

i think moneys paid in to the bank in this case barclays accounts to there annual profit

so.. the more they get off us the better for them.

any money lost or refunded can be written off through rhe interest that they acquire over the loan period?

Link to post
Share on other sites

i think moneys paid in to the bank in this case barclays accounts to there annual profit

so.. the more they get off us the better for them.

any money lost or refunded can be written off through rhe interest that they acquire over the loan period?

If we get a refund, we get back all the money we paid Barclays, that includes the high interest, isn't this right?

Link to post
Share on other sites

Just had letter today from Birmingham City Council Trading Standards.. my case details have been passed onto them by consumer direct.

They are asking for a copy of the letter I sent to mercers and the proof of postage..

So I will be sending all the documents they ask for.. its another one for mercers to respond to and explain why a dormant company is actually active and harrassing barclays customers with their say so

Link to post
Share on other sites

Hey all. Any updates from legal team yet. I spoke to mercers today they have stopped phone calls for 14 days but cos thay aint heard from legal team for a while I dont know how long it will last. My girlfriend answered phone to them earlier and they got aggressive saying they will come take my stuff, which I believe they cant do until it goes through court, am I right?

Link to post
Share on other sites

yes thats correct they cant take your stuff.. only court appointed bailiffs can enter your home.. even if you lock your doors.

Also you can tell mercers to get off your property if they dont listen you can call the cops on.. (whether the cops will come is another matter.. they have more important things to do like persecuite motorists.. but dont start me on that one).

Mercers have no powers what so ever.. they just bluff their way around.. dont forget mercers is barclays with a different hat on..

so do as I have done .. phone comsumer direct give them your details.. next send mercers a letter recorded delivery explaining that you are in dispute with barclays.. if mercers still harrass you.. get back to consumer direct.. they will get in touch with your local trading standards.

I had mine from Birmingham city this morning.. so I now will pass on a copy of my letter, proof of postage.. and some other info.. and according to what was written in the letter they intend to have it sorted within 30 days.

Done.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3921 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...