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    • 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.
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Gesture of goodwill payment


ayzi
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Ok y'all :)

 

Looking at my statement i have 22 "Miscellaneous fee refund" all entered on the 4th of this month. It gives no indictation as to what dates these refunds apply to so i'll phone complaints (0845 600 6014) and ask for a breakdown.

 

Got a letter this morning hand signed by Martin Dillingham ..

 

Thank your for your letter dated ** August 06, about your bank charges. I am sorry you feel these charges are unlawful at Common Law, Statute and recent Consumer Regulations.

 

Having carried out a full investigation, I can assure you the charges are fully valid and in line with our terms of the account and therefore I cannot agree to refund all of them. However, as a gesture of goodwill, I am happy to credit an amount of £570 to your account.

 

(BIG SNIP EXPLAINING HOW TO COMPLAIN TO THE OMBUDSMAN)

I have so far only threatened court action but for them to give me £570's as a GOGW (thanks Lula) will not in any way affect my claim for unfair charges. I'm still going for the full £1,225.

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Lula

 

I thought id missed it out, i agree entirely.

 

Inform the court.

 

Glenn

 

PS you been at the kids gin again?

 

Glenn, I have to hide it from them :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Dear Mr. Dillingham

 

Thank you for your letter dated 04/09/06 in which you made a gesture of goodwill to the sum of £570 placed into my account.

 

I shall accept this as payment for the worry, stress and debt that your illegal charges have placed upon my self and my family.

 

As a gesture of goodwill on my behalf, I shall give you a further 14 days to agree with my request for £1,225 before I commence court proceedings.

 

You should already have in your receipt two copies of the schedule of charges that I am claiming for I see little point in enclosing another copy.

 

Once again, I thank you for your gesture of goodwill.

 

Yours sincerely

 

 

 

ayzi

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Hello all,

I never recieved the letter from abbey ref the GOGW. In any case i followed up with a call to complaints, and they advise (huge inconsistancies), they do not offer these GOGW's in writting, merely by phone.

Subsequenty I have enclosed, at their request a further LBA for the full amount and expect a reply in 14days.

 

Do you guys have any further news?

Regards

emsheki:razz:

--------------------------------------------------

 

Abbey 1 - LBA Sent 12/09/06 (GOGW-£830 offered & Refunded); Court Action Proceeding

Abbey 2 - LBA Sent 08/09/06, awaiting

NatWest LBA Sent 08/09/06, awaiting

 

Capital One - DPL Pending

Natwest C/C - DPL Pending

Abbey C/C - DPL Pending

Cahoot C/C - DPL Pending

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Seven days before i submit N1 and i'm a little troubled by my last letter!

 

Even tho Shabbey made a gogw direct to my account and i accepted it as payment for hardship caused, should i go the whole hog and claim the original amount? I'm thinking my initial high of getting something back may have made me a bit cockey :(

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Hi there,

 

I have also received a gesture of goodwill payment of over £600, I have attached a copy of the letter to my initial thread http://www.consumeractiongroup.co.uk/forum/abbey-bank/18848-hi-there-yet-another.html

 

It certainly states a gesture of goodwill. Like the letter states. I will submit N1 in a matter of days. Like ayzi's letter can I accept this payment for distress caused to myself and family and continue to claim the full amount? I have not contacted abbey regarding this payment. Looking at this payment is it made up of 15 x £30, 7 x 20 & 1 x 32 which happens to be my total amount of charges for the last 12 months excluding 2 x 35 charges.

 

So is a gesture of goodwill really what it says? They have not mentioned that they are refund of charges for 12 months.

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I have an appointment with a solicitor this Thursday due to an unrelated matter. I'm gonna push my luck with him and ask just exactly what a GOGW means and if it should be taken as part payment or a gesture for any hardship caused.

 

I shall report back :)

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Ok! Advice given is that I MUST write giving them a further 14 days to supply me with the dates that relate to my refunds. I did phone Shabbey and they couldn't supply me with any dates as they gave it to me as a gogw and not any kind of refund for charges (even tho i have 22 miscellaneous fee refunds on my statement?).

 

If they do not supply me with the dates or again insist that it really is a gogw, then i will have no alternative but to chase them for the full ammount claimed in court as i cannot adjust my figures to reflect any changes. It would then be up to the court to decide if i have a valid reason for persuing the full amount.

 

There is a chance that it could be thrown out if you have not tried all reasonable attempts to determine if the gogw was just that or refunds for any charges the bank has levied. So be very careful! I believe this is a tactic on Shabbeys behalf to get the matter thrown out of court.

 

On a plus note, my Solicitor did say that he has consulted his partners and are approaching an insurer to secure cases concerning the banks on a no win no fee basis :)

 

Happy days ahead for the banking industry methinks ;)

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  • 3 months later...

Ok, ok i know it's been a while ;)

 

Abbey suggested that i should contact the FOS if i wasn't happy with there service so i did.

 

Got a reply from the FOS this morning and Shabby have decided to settle my complaint in full rather than invite a formal investigation :)

 

There's me thinking the FOS was a "toothless tiger"

 

 

Capital one are next the robbing barstewards :)

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  • 2 months later...

Has anyone been offered more than they claimed? I demanded a refund of £416. On the same day (coincidence??) that my online claim was issued, I was offered a gogw of £465 'to include cancellation of charges yet to be debited'. (Yes! I am still continuing to run up charges.)

My claim with interest was for £450, but if I continue with the claim I will also get my £50 fee back. Should I accept their payment - It has already been paid to my account.

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My claim ended 18th Feb and since that date they have charged me £110 in fees debited at the end of March and a further £140 due to be debited at the end of April.

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  • 2 months later...
So i'm safe to spend the money without it affecting any court case? I want to pay my £250 overdraught before they close the account.

i had the same problem as you so i rang the clowns at abbey they said as it was a goodwill payment it not effect my claim ......... oh yes ill trust them so i rang the court a very nice woman there said the same as it does not say full and final payment so spend it and carry on

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