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    • 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Wicky Versus the Halifax ***SETTLED IN FULL***


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Great site I have been perusing different bits of it and seeing how other people are doing it. Using the spreadsheet was a breeze, especially as I had my Bank statements from the last 2.5 years when I joined the Halifax. Only took me half an hour to tot up the charges:)

As I have finally got around to adding up the charges from the bank, I know I should have done it sooner as it adds up to £785 of my money that they have. With the 8% that I can add on the court forms(see I have read the FAQ) it comes to £867.84:eek:.

Now that I see how easy that was I think I will use the advanced spreadsheet and change the interest to contractual/reciprocal interest.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Well I'm sending off the prelim letter today, and see how it goes. Just one thing I am concerned about though is that I know there will be some more charges before the end of the month and also cunningly they charge for the unauthorised overdraft at the end of next month. I suppose I can add these later.:razz:

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Has Anyone else received this, I got a letter from my branch saying that the letter has been forwarded to the Customer Relations Department. Do I still wait the 14 days from the original date of the letter? And do I now deal with the "Customer Relations" Department or my branch?

Any help would be much appreciated, as I can't seem to find this information, but I may have missed it.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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I recieved a standard letter and leflet from customer relations saying were sorry your unhappy blah blah complaint will be dealt with blah blah. The prelim states youll only respond to "sincere dialogue" and wont respond to standard mail.

Data Protection Request 30.06.2006

No Comply Letter 06.09.2006

Preliminary Approach 11.09.2006

Letter Before Action 25.09.2006

Halifax Offer recieved for £330.00 27.09.2006

Reply to halifax 28.09.2006

Money Claim Online Filled In 14.10.2006

Notification That Halifax Intend To Defend 24.10.2006

 

Total Claim Amount £1837.00 + Court Fees £120.00 = £1957.00

 

£1957.00 Paid in full, In your Face Hafilax

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Ah yes I get that, but as they seem to have passed it onto their "Customer Relations"(hah) Department, do I now send letters to them or still to my Branch?

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Ive started corresponding with Customer relations as i had a name and reference to use.

Data Protection Request 30.06.2006

No Comply Letter 06.09.2006

Preliminary Approach 11.09.2006

Letter Before Action 25.09.2006

Halifax Offer recieved for £330.00 27.09.2006

Reply to halifax 28.09.2006

Money Claim Online Filled In 14.10.2006

Notification That Halifax Intend To Defend 24.10.2006

 

Total Claim Amount £1837.00 + Court Fees £120.00 = £1957.00

 

£1957.00 Paid in full, In your Face Hafilax

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Ooh got a letter today to say that they are willing to offer me £561(where do they get their amounts from?) of the charges in full and final settlement(nice of them) and the usual blah blah. I also got an unpaid DD letter again(well I must add them to claim)

Should I send usual thanks but only in partial payment letter?

And can I include any new charges, up until I make the court claim?

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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I phoned them and the guy i spoke to said that my offer was based on six months worth of charges. I figured it would be a percentage but apparently not

Data Protection Request 30.06.2006

No Comply Letter 06.09.2006

Preliminary Approach 11.09.2006

Letter Before Action 25.09.2006

Halifax Offer recieved for £330.00 27.09.2006

Reply to halifax 28.09.2006

Money Claim Online Filled In 14.10.2006

Notification That Halifax Intend To Defend 24.10.2006

 

Total Claim Amount £1837.00 + Court Fees £120.00 = £1957.00

 

£1957.00 Paid in full, In your Face Hafilax

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Tyrell, the £5 fee is normal in a request for any information and is allowable under the data protection act.

They are still adding bank charges onto my account should I send them a letter or phone them and say I am currently in dispute with them over the said bank charges?

Also I have added bank charges that have applied up to the date of the LBA but after the prelim. I understand this is okay up until I take them to court, am I correct?

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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I have already asked but should I send a letter asking them to stop adding bank charges to my account? If not I can still add them onto the claim up until the court date can I not?

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Well now the court papers have been sent I guess I just wait and see what happens. What is the usual turn around on these? I have read anywhere from a couple of days to a couple of weeks, but still confused.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Hi Wicky, I'm at the same stage as you, the court summons went in Tuesday morning. No idea what happens next, from what I've heard they say they're going to defend but then pay up anyway. Good luck, hope you get some news soon.

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

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

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

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  • 2 weeks later...

I still haven't heard anything should I check with the court that the claim has been processed? I will phone them tomorrow and ask if I haven't heard by the end of the day. I suppose this is the right procedure as other people who put their claim in after me have heard back.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Well I phoned the court yesterday and was told that Halifax would be defending the claim. I then got a letter this morning where the Halifax is offering me £945 + £100 interest. The only bit they are defending is the £248 interest on top which I have charged under reciprocity.

 

I would like to know peoples opinion as to whether I should accept this, I think I understand the priniciples behind reciprocity but it is quite a lot of money they have offered and including the interest is about the same as I would have got had I not added the 29.8% interest as per their contract

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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The basis of not accepting would leave you in a position where, should you have to go to court, you would still very likely be awarded the charges and court costs even if the Judge agreed with the bank about the interest rate.... i.e. you don't lose the whole case simply because you lose that one part.

 

Be prepared for a little battle though and make sure you read as much as you can regarding the issue of contractual interest so that you can argue the case in court.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks I feel more comfortable now, I thought it might be the case and am trying to read as much as possible on contractual interest.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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I am now thoroughly confused. I replied to their letter saying I would accept it as part payment. They immediately paid this into my bank. But they still haven't responded to my letter or put in a proper defence apart from to say they will be disputing the entire claim.

I phoned court and they think it most odd that they have paid some when they say they are disputing the entire amount, and said wait on their defence papers when they come in.

I will wait to see what happens, meanwhile here is some music to listen to "twingly, twing twing twang twingly......"

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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  • 4 weeks later...

Aha,

They have filed their defence and I now need to put in a response. They are arguing that I am not entitled to the contractual interest and they have already paid me 8%. I will put the full defence they have given a bit later. I now need to think of a suitable response.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Right so their defence is

1. The Defendant is a bank. The claimant has a current account with the Defendant having a roll number D/########-#("The Current Account")

2. The Claimant appears to be claiming for bank charges applied to the current account in the last 6 years(wrong it is only 4 years)

3. The Claimant has provided particulars stating that his claim relates to bank charges incurred on his Current Account but the Particulars fail to specify how much the claimant is the Claimant is claiming in respect of actual charges.(I sent a list of charges from the spreadsheet with the claim) However, these charges were debited to the Current Account in accordance with the terms and conditions of the Current Account ("The Account Conditions"). which the claimant agreed to accept (having no choice in the matter) and by which he is bound (not if it an unfair contract). Under the Account Conditions, the Defendant is entitled to apply charges to the Current Account, inter alia and so far is relevant to the claim for:

(a) each calendar month, when a debit balance on the Current Account exceed any authorised overdraft limit;

(b) refusing to honour payment instructions issued by the Claimant where there are insufficient funds available for withdrawal from the Current Account (after taking into consideration any authorised overdraft limit);

and

© honouring payment instructions issued by the Claimant where the overdraft limit has already been exceeded, or is exceeded as a result of honouring the payment instruction.

4. Notwithstanding the foregoing, the Defendant has, without admission of liability refunded £1086.84 to the Claimant. The sum represents all the bank charges the Claimant has incurred in the 6 years (I only had the bank account 4 years)prior to the issue of proceedings, being £986, together with interest of £100.44.

5. The remainder of the claim £243.72 relates to interest claimed at 29.8%. It is denied that the Claimant is entitled to claim interest at this rate.(Why not you do. How do I argue this again)

6. On the basis of matters pleaded above, the Defendant denies that it is liable to the Claimant of £243.72 in respect of the balance of the claim or for any other sum.

 

So what I want to know is do I need to argue point 2,3 and 4 in respect of they obviously don't know what they are doing in getting how long I had the account for? In claiming the extra £243.72 as reciprocal, do I just quote the relevant passages for the statutes? I will put a preliminary response up here in the next couple of days, if someone could look it over that would be great.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Well if any one is interested:confused: I have filled in the allocation questionaire thusly.

The Defendant has paid back the amount of £1086.84. This is erroneously specified as the bank charges in the last 6 years whereas I have only been with the Bank for just over 3 years. The £986 specified is the amount they have charged me in fees. They have also paid £100.44 at I assume 8% interest over that period.

They also claim that I have not specified how much I am claiming in actual charges which is clearly erroneous as I included a Schedule of Claim for Charges when entering my claim form to the court, and has also sent them copies of it prior to entering proceedings.

I am still claiming the £243.72 which is the amount remaining; if they charged me interest for an unauthorised overdraft fee this would be how much more they would charge if not more. Due to the terms of the contract I believe that this is justified under the principle of mutuality and reciprocity and is based on their unauthorised borrowing rate of 29.8%.

I am also claiming at a rate of £0.75031 per day from the day I claimed at the same percentage.

As you can see I think I have applied the principle of mutuality/reciprocity correctly if not can anyone help me argue it correctly if it gets to court, just give me a few pointer I'm sure I can pick up the rest.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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Hi

 

To be fair, this sounds like a reply to their defense - is that right? I tnink you might be best to simply put in the amount in dispute (section D?) and also make sure you read this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html so that include the section where we ask for disclosure. If you want to make further reference to the amount outstanding, then put that on a separate note and make reference to "additional information" that you have supplied.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 months later...

I kept forgetting to update it as they had paid the amount of charges but were still arguing over the contractual interest. They have now paid on full. So I just need to tell the court.

19/09/2006 Halifax Prelim Letter Sent

10/11/2006 Paid into my Account £1086.84

19/02/2007 Settled remaining Contractual Interest £243.72

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