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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.  
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      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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Estoppel


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Does anybody have any thoughts on this regarding a defence with our claims if we also have had unauthorised debits from our accounts to cover admitted cashier errors when entering the amounts etc?

 

I've briefly mentioned this in my BOS thread which is currently running.

 

Part of claim is also regarding a cheque I presented to the cashier for £3.49.

Turns out the teller entered £349.00 by cashier error and had to repay the balance (£345.51) ASAP.

They subsequently took the amount, even though there were no funds to cover it without my consent or notice.

 

I'd spent the cash thinking it was benefits on a few bills and some food etc so I obviously wasn't in a position to repay.

I get my benefits into another BOS account so I'd try & repay as soon as I could in bits.

 

I heard nothing more about it, (apart from the 'unauthorised OD charge' and unpaid item charges I was now getting).

 

Next month my Housing Benefit came into my other BOS unrelated unconnected account and they transferred £400 of it (I got at the time £499.70) to cover the now grossly overdrawn account as a result of them taking the original £349 amount bacK & their charges.

 

I've been looking around and found this...

Case law (in particular, Ramsden v Dyson (1866) LR 1 HL 129, 170, per Lord Kingsdown, and Taylors Fashions Ltd v Liverpool Victoria Trustees Co Ltd [1982] QB 133, 151H-152A, per Oliver J) shows that, in determining whether or not proprietary estoppel operates in a case, the court will look for three elements:

 

(i) A believed that he had or was going to have a right in or over B's property;(1)

 

(ii) B created or encouraged the belief;(2) and

 

(iii) A acted in reliance on the belief.

 

If the doctrine does operate (and, being equitable, it requires clean hands: J Willis & Son v Willis [1986] 1 EGLR 62), A has an equity in the sense that he will normally(3) be entitled to an order giving effect to his belief: the court recognises, or secures the creation or transfer of, the right in or over B's property, in the form it judges most appropriate.

Copyright © 1997 Patrick Milne.

 

Case law (in particular, Ramsden v Dyson (1866) LR 1 HL 129, 170, per Lord Kingsdown, and Taylors Fashions Ltd v Liverpool Victoria Trustees Co Ltd [1982] QB 133, 151H-152A, per Oliver J) shows that, in determining whether or not proprietary estoppel operates in a case, the court will look for three elements:

 

(i) A believed that he had or was going to have a right in or over B's property;(1)

 

(ii) B created or encouraged the belief;(2) and

 

(iii) A acted in reliance on the belief.

 

or this from http://www.touchbriefings.com/pdf/976/26.pdf

 

an estoppel occurs when one party, by words or conduct, has led the other to believe in the existence of a certain fact situation and the other party has acted to his to his detriment in reliance on that fact situation.

 

In these circumstances the party whose conduct created the difficulty may be prevented (estopped) from denying the existence of that relevant fact situation and

estoppel is a rule of evidence (and not a cause of action) preventing a person from denying the truth of a statement he has made previously, or the existence of facts in

 

which he has led another to believe (Curzon - Dictionary of Law)

 

Surely people who've had this sort of problem could use this as a defence and further strengthen their case?

I found it quite hard (and upsetting!) to understand how they could justify taking almost all my rent money and then adding hideous charges and defaults and not giving a toss about the fact I'VE earned THEM a gross amount of cash over the years which seems to be filtering straight into the CEO's pocket...

 

Any thought on this would be welcome and maybe somebody who can make further sense of banks seemingly illegal thieving being lawful is much appreciated

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

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I have used something similar in the past. The case was something like Hong Shing Bank v Tai Ching Cotton Mill. I made a reference to it in my thread under the forum for Abbey - Another Claim. Bankfodder referred to it as the equitable estoppel. I think if you search google with the phrase equitable estoppel you may find it.

The main thrust is that if the bank makes a mistake and you change your position as a result, the bank stand the loss (they paid my mortgage for 1 month!). It also established that there is no obligation on a customer to check their statements.

Good luck.

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Nice idea but bound to fail I'm afraid.

 

The estoppel cases you quote are mainly deployed in claims for an interest in property (usually land) in family and probate cases.

 

The legal position in realtion to mistakes is far simpler. If the bank make a mistake and you spend the money they are entitled to it back.. Its no different to you finding that someone else's money has been transferred into your account by mistake or that your employers have paid you too much this month. Where there is a simple mistake then the money must be repaid.

 

The equitable relief you refer to depends on a relationship between the parties involved where one has lead another to believe that they will obtain an interest in propertty (e.g. a carer being told by an elderly person that they will get the house in thier Will; or a non-owning partner being told that if they stay home and look after the kids they will get an interest in the house; etc.) No such relationship exists where your bank makes a simple typo type mistake and puts the wrong figure on a credit to your account.

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It also established that there is no obligation on a customer to check their statements.

Good luck.

 

Where can I see something that backs this up?

 

This would be very good ammo against the service clerks (and Mr. Ian Mullen!) who claim that the charges can be avoided if customers look after their finances (almost impossible with the current stacked system).

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Estoppel is not restricted to property matters. It is generally available in most situations when the circumstances are appropriate. It is available and has been used from time to time for to defend against claims for repayment of money which has been paid out in error.

One needs to distinguish between proprietary estoppel and promissory estoppel.

 

However, as Rbrears suggests Estoppel would not work in the situation you suggest, but for this reason - and the clue is to be found in Sazz's opening oxymoron

Does anybody have any thoughts on this regarding a defense with our claims
Estoppel is only available as a defence and not as the basis for a claim.

 

 

You are claiming and not defending.

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Also in order for estoppel to succeed you need to show that you have acted to your detriment in reliance on a promise and that you have changed your position as a result. That just isnt so where money arrives in your account by mistake.

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Also in order for estoppel to succeed you need to show that you have acted to your detriment in reliance on a promise and that you have changed your position as a result. That just isn't so where money arrives in your account by mistake.

 

You are quite right about the elements of an estoppel and in addition to having changed your position, it must cause difficulty or damage to revert: detriment

 

However, as far as bank accounts being exempt from the protection of an estoppel, I disagree that they are exempt.

As long as the requirements of utmost good faith - verging but not quite - towards a "uberrimae fidei" and the other elements are present then there is no reason why an estoppel shouldn't apply.

 

The court will not be fettered in it's application of equity. However, I would have thought that the court would be stringent about being satisfied as to the good faith of the party pleading the estoppel. I would expect that the balance of probabilities would go to 90% or more.

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  • 1 month later...

Hi all,

 

I am new to this and still very new to some of the terminology being used in this thread.

 

I have a situation whereby £1000 was paid into my Halifax account by the Natwest bank, this was paid through the Chaps payment service.

 

The Halifax contacted me and after informing them of the situation they told me they would not be persuing me for the money, the Natwest Bank have now written to me requesting the full amount.

 

The money was won as part of a National Lottery programme where I won a holiday, they gave us spending money to which I was unaware of how much they was giving us. The money was split between six people.

 

I have posted this in detail in the general Forum.

 

Any help would be great.

 

All The Best

 

Chris Cavanagh

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Not quite sure what you mean Dixie60 - are you saying the money wasn't yours?

 

BF - it is long established that if you receive money as a result of a mistake it must be returned. End of. No estoppel or anything else. Its not possible to construct a valid legal argument that allows you to keep money you got in your bank acount by mistake.

 

Sazz's example is a classic (in the sense of happens all the time). Money received by mistake and spent. You can't rely on the error made by someone else to say you dont have to repay money that wasn't yours and that you spent.

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BF - it is long established that if you receive money as a result of a mistake it must be returned. End of. No estoppel or anything else. Its not possible to construct a valid legal argument that allows you to keep money you got in your bank acount by mistake.

 

We didn't receive money by mistake but we did get a payout from the bank under the estoppel rule. The circumstances would equally apply whether it was received by mistake or a bill not paid by mistake.

 

Admittedly we didn't go to court but the bank paid up over £500 which in 1989 was quite a bit of money. They didn't pay our mortgage for no reason (and couldn't explain why). They argued we should have known which is your reasoning I believe rbrears. However at the time we were unaware of it and we had a lot of unusual toing and froing from the account. It was clear we changed our position because we started withdrawing cash. That was unusual on the account as it was an account we used solely for bill paying normally. We argued that whenever we withdrew cash the balance on the receipt was an incorrect notification of the money available. As a result we thought the money was ours. It was only later that we found it was the mortgage money. It was complicated by the unusual transactions going through and we relied on the reported balance to tell us what we had left.

 

The bank also argued we should have checked our statements but we quoted the case law in this thread that showed we did not have to do so. We had given the instruction and had every right to believe the bank had done as requested.

 

I really don't think the bank would have paid up if they thought we would not win. It took a lot of persuading and must have cost them quite a bit in the time it took to deal with our correspondence.

 

The point is that if you believe it is due (or in our case available) it cannot be claimed back. Equally if you don't notice it there is no obligation to do anything about it.

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Promissory estoppel requires a pre-existing relationship, as has been suggested. So where you have received a payment from the NatWest and you have no contract with them, then there is no estoppel.

 

However, if you do have a contractual relationship then an estoppel can run - even in the face of a mistake by the claimant. Of course the defendant must not have realised that the overpayment was was a mistake. If this happened then this would remove the element of good faith which is required for the estoppel.

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Could this argument then be applied to bank penalty charges, almost in reverse? Effectively the customer is 'paying' money into the bank's account, in the mistaken belief that it is correct to do so. The bank accepts this money, again in the mistaken belief that it is entitled to the money.

 

The bank 'honestly' believes that it is entitled to make these charges, and therefore an 'honest misunderstanding' has occurred. Now that we know better, and we realise that the bank's belief was in error (unlawful) surely we are entitled to our money back.

 

I'm clearly not arguing against the contract terms position, but looking at seeing if this would be a valid argument for the long term claims, especially those that extend beyond the limitations period...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

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Not quite sure what you mean Dixie60 - are you saying the money wasn't yours?

 

BF - it is long established that if you receive money as a result of a mistake it must be returned. End of. No estoppel or anything else. Its not possible to construct a valid legal argument that allows you to keep money you got in your bank acount by mistake.

 

Sazz's example is a classic (in the sense of happens all the time). Money received by mistake and spent. You can't rely on the error made by someone else to say you dont have to repay money that wasn't yours and that you spent.

 

Hi rbrears, how it worked was we were told by the Lottery after we won the TV competition that it was an all expenses holiday and they would provide us with spending money, three days before we went £2000 was deposited into our account.

 

We went on the holiday and when we arrived back, there was a letter from the Halifax stating that there had been an over payment of £1000 into my account by mistake, I contacted Halifax and told them and they said the matter was now closed.

 

yesterday the Natwest have wrote to me stating that they want the amount in full yet i am not in the financial position to pay it back.

 

Once I recieved the £2000 I split it between the six family members who won the show with me.

 

Hope this explains it a bit better.

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I'd send the letter to the Halifax and refer to your conversation. If you didn't know how much was coming to you it was not unreasonable for you to accept it as being your prize. Unless you knew it was supposed to be £1000 then you could be accused of spending money you knew not to be yours and reasonably asked to return it. If you didn't then I believe it should be paid by the Natwest and I'd also send a copy to the National Lottery and ask them to sort it out with their bankers as it is causing you stress in their name. Thank them for the prize but .....They don't like bad publicity and I'm sure they wouldn't want you to have suffered like this. I don't think all this estoppel stuff comes into it. Good luck

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They don't like bad publicity
That is the understatement of the year - Camelot willl bend to whoever pushes the loudest...go and give them what they deserve. Reading your posts it is clear that the least they could do is tell you what the prize actually consisted of...stand up for your rights on this one...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Dixie, if they do persist in claiming for all the money, make sure you have proof of giving the money to your relatives as if the bank do pursue, they will have to pursue the individual amounts.

 

Although you received £1000, if you only gained £200 out of it, that's at worst what they can enforce YOU to pay back. Legally!!

 

Best to just detail that in a letter at this point, so if they do raise a claim, you can show the courts that you have informed them of the correct sum. You don't have to admit liability in the letter, just explain you received the money in good faith and split it between the following people in good faith.

 

It's all to do with the 'unjust enrichment' argument that the bank will use. As the bank knows that you have not benefited from the full £1000, they will be pursuing you recklessly (Courts don't like that) ;)

 

Now whether the bank will pursue 6 seperate claims at an increased cost to itself for such a small figure is doubtable. The other option they have is to list all 6 of you as co - defendants, but to do that they need the full details of all 6 people.

 

Thats where I would attempt to find some stalling tactic if it was ME, not that I'm suggesting you do that.

 

Keep us updated on progress.

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You know all this talk of ' courts ' and ' claims ' on this issue of Dixi60 is pretty heavy for the actual problem. This is a case of common sense and negotiation on the obvious, we are going to frighten the poor woman to death with all this legal talk. Nat West c...cked up. Camelot would take a dim veiw of what they have done in their name and if she just puts the situation to Camelot and ask them to sort it out it will be done believe me. So long as she knew that 'A' prize was coming not £1000 then she was not to know how much was coming whether it's £2000 or £5000 - it was an all expenses paid deal and it is not unreasonable for her to have done what she did. For Natwest to press for it back is crass to say the least given the circumstances. Maybe they don't know the details and why she did what she did so if Camelot didn't inform her how much she was going to receive they have, albeit done what they did in good faith, c...cked up too. Leave the two of them to sort it out and admit that the lack of definate concise communication about how much was being given has caused this as well as the inefficiency of someone in the NatWest. Forget all this legal stuff it will never get that far anyway - as said before Camelot wouldn't want the publicity. Let them sort it out - leave it to them!

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Understand your point Andrew, but before you tell us off, the post is in the Legalities section and was actually discussing estoppel first.

 

Dixie, by all means approach Camelot 1st. As they haven't told you the sum you were being awarded they most probably will take it on the chin and sort it out with NatWest.

If the name of the claim is blue and underlined, click it to see how I did it.

  • Halifax - 1st Request for £3748.80 sent 10/06 Settled in full and 5% donated


  • Goldfish - Unable to comment further, have a read


  • Lloyds - Data Protection Act sent 19/04 1st estimated request for £1500 sent15/08 LBA sent 08/09


  • Carphone Warehouse - Data Protection Act sent 19/04 Chased 04/07 ICO complaint 18/07


  • First National - 1st Request for £280 sent 05/05 Settled in full and 5% donated


  • Yes car credit - LBA sent 19/07 Court Action launched 26/09


  • HFC Bank - 1st Request for £100 sent 06/06 Settled in full and 5% donated


Like what I said? Hit the scales on the top right of my post. Cheers

 

Disclaimer - By giving advice, I am not putting myself across as a legal expert. Always seek professional advice.

Help the site, donate 5%, I have.

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Yeah, think it was the afternoon heat. :D

 

Dixie, 1st option, get Camelot involved. As you are meant to be going back on the telly as champions, they should be bending over backwards to help.

If the name of the claim is blue and underlined, click it to see how I did it.

  • Halifax - 1st Request for £3748.80 sent 10/06 Settled in full and 5% donated


  • Goldfish - Unable to comment further, have a read


  • Lloyds - Data Protection Act sent 19/04 1st estimated request for £1500 sent15/08 LBA sent 08/09


  • Carphone Warehouse - Data Protection Act sent 19/04 Chased 04/07 ICO complaint 18/07


  • First National - 1st Request for £280 sent 05/05 Settled in full and 5% donated


  • Yes car credit - LBA sent 19/07 Court Action launched 26/09


  • HFC Bank - 1st Request for £100 sent 06/06 Settled in full and 5% donated


Like what I said? Hit the scales on the top right of my post. Cheers

 

Disclaimer - By giving advice, I am not putting myself across as a legal expert. Always seek professional advice.

Help the site, donate 5%, I have.

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I have just had another call from the Natwest bank, they have told me that if I do not pay the amount they will send the Bailiffs to my home.

 

I have also just phoned Camelot and they have told me that the problem is with the Natwest not them.

 

this is really getting to me now, can't even describe how low and worried that I feel.

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For a start, the NatWest cannot send the baliffs to your home without going to the court.

 

You can actually make a complaint about their handling of the issue. They are meant to deal with matters in a fair manner. Scaremongering is frowned upon.

 

I would write a letter to them detailing how you split the money in good faith with the following people. For a start, they should not be pursuing you for the full figure.

If the name of the claim is blue and underlined, click it to see how I did it.

  • Halifax - 1st Request for £3748.80 sent 10/06 Settled in full and 5% donated


  • Goldfish - Unable to comment further, have a read


  • Lloyds - Data Protection Act sent 19/04 1st estimated request for £1500 sent15/08 LBA sent 08/09


  • Carphone Warehouse - Data Protection Act sent 19/04 Chased 04/07 ICO complaint 18/07


  • First National - 1st Request for £280 sent 05/05 Settled in full and 5% donated


  • Yes car credit - LBA sent 19/07 Court Action launched 26/09


  • HFC Bank - 1st Request for £100 sent 06/06 Settled in full and 5% donated


Like what I said? Hit the scales on the top right of my post. Cheers

 

Disclaimer - By giving advice, I am not putting myself across as a legal expert. Always seek professional advice.

Help the site, donate 5%, I have.

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  • 1 year later...

Ive just lost and incurred costs in the small claims court in a claim I made against a mortgage company for the refund of late payment fees. My claim was struck out at a summary judgement hearing and they were awarded £1000 costs on the basis of Estoppel.

 

They used the arguement that as I had paid off the account and my claim was not based on error or fraud then estoppel applied to protect them.

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  • 2 years later...

After reading all your comments and post i have realised i'm not the only one in this extremely messy situation regarding mortgage express and walker singleton. Due to Ws i now have 2 properties sitting empty with over 24 months rent oweing between them since walker singleton took over them. At first i was informed that they were going to be relet by a company used by walker singleton who i look up on the internet and could find no trace of said company.

I then phoned mortgage express and was told that walker singleton were now going to sell the properties if i could not find the arrears oweing, i then informed them that i would pay what i owed before they put walker singleton in charge. I was told that i had to pay all the arrears in full and any charges for miss mortgage payments which at the start of my arrears it was roughly £8000 and it is now close to £42,000 and has eaten the equities in my properties which i feel was there plan. Each time i have phoned to try and sort the matter out i have passed from person to person and can not find any solution i have also sent several letters by registered post and have not recieved a response and when i enquired about the letters they said they had not recieved them. I have been told by several solicitors that i have a case of negligence but i am unable to finance it so i really don't know which way to turn. This has been going on for 2 years and after numerous times to try and come to an arrangement even asking for a meeting and it has all been declined all they want is the money which WS have allowed to quadruple.

 

If anyone could could give me any kind of advice i would be extremely grateful because i need to get control of my properties back as it is my only income and i feel i could lose my business and my home.

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