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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.   
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi,

 

Wonder if anyone can help me. I sent a ppi claim form to Santander who have now taken over Debenham store cards, in July and received their so called 'final' response on Saturday. I was making my misselling claim on the grounds that I had a previous illness which I now know I would never have been covered for.

 

Here is an extract:( I haven't scanned the doc yet so have to type out)

 

"I can confirm Account cover insurance was set up on your account on 15th March 2001 after a discussion that took place on the telephone with our telemarketing department... The policy applied to your account was Account Cover Insurance and comprised of price, purchase and payment protection. Our telemarketing department sold this policy to you and one of our advisers explained the main features of the product and price. The insurance was added to your account because you chose to do so. However you had an opportunity to change your mind as once you decided to take the product a policy summary and policy document was mailed to you for your review... I understand that you believe that Account Cover Insurance does not cover you as you had a pre existing medical condition at the time of opening. However, please understand that having an illness prior to the cover being taken out does not exclude you from the insurance; this simply may mean that you cannot claim for this condition in the future...I can confirm that Account Cover Insurance was cancelled on 26 August 2011..."

 

I am perplexed as I cannot remember the detail of such a conversation with a telesales person since it was so long ago. Do you think this is what seems to me to be tactics to fob me off? They did not provide me with any other evidence such as signed agreements to the effect that I wanted the ppi. Can I request copies of the agreements and take this to the FOS? I have so many questions I want to ask them based on this response.

 

I would really appreciate some guidance as to what to do next. Thanks in advance!

JS

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Hi

 

Some of these institutions use the "telephone" conversation ploy to fob you off.

 

If it were me I would send a Subject Access Request (SAR) to Santander. There is a template SAR in teh CAG library, the link to which is at the top of every CAG page in green. This should yield ALL the inormation they hold on you, iincluding statements/transaction history. There is a fee payable of £10 and they will have 40 days to comply. Make sure you put emphasis on the fact that you want ALL information they hold.

 

Let's see if they put a transcript of that phone call in the package but if not you can still take this claim forward.

 

From the information that comes back you can prepare a schedule of claim to quantify your claim.

 

Have a look at the PDF files on the fos website if you haven't already done so.

 

You can then either pass it to fos or you can sue in court.

 

Do the SAR first though.

 

Regards

 

ims

 

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Hi Jade

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

What you need to do is send them a SAR Request with a Postal Order for £10, send it Recorded. They have 40 days to respond. If you think anything is missing send them a chase letter. Once you've got all the Data they hold on your account you can ask the right questions.

 

SAR Template in the library on this site.

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/guide-to-PPI-forms.html

http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance

Also info in 2 and 3 in my signature.

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I am about to do a SAR to Santander re my debenhams (as well as a few other cards I had with them-ge capital who they bought out seem to have done almost every store card on the high street lol). But I remember getting a card in the store, the staff member rushed through the personal details and did the application for me then told me where to sign. I believe it is likely PPI was on and reckon this was added by the sales assistant at the time I certainly never had any calls from them-until I fell behind on payments.

I doubt the call ever took place, will watch your thread as we are at the same point. Good Luck

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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Hi Everyone,

 

Thank you so much for all your responses, your advice is much appreciated. I had a feeling that it was a ploy since the tone of the letter was very contradictory in parts. I know the call never took place because I remember the application being done in the store, now I've had time to think about it. Anyway, I will look at the documents suggested and continue my claim. I am just so angry with the way the banks have been ripping us off for years. I am determined to succeed and a least get something back from my ppi claim, not just from Santander but from others like Audi ( they've said I never had PPI when I have all the documents to say that I had ppi, for one of two cars I bought from them - that's another story but no doubt the same applies). Will keep you posted.

 

A tremendous thank you!

JS

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  • 3 weeks later...

Hi Again,

 

It seems like a while since I was here. So here is an update. I sent off the SAR to Santander after my previous post and I am still waiting to see if they include a transcript of my alleged phone conversation with them requesting the ppi. I also sent the SAR to Audi who had previously refused my PPI claim saying I did not have ppi with them. It was an odd thing since I managed to find all the paperwork, account numbers etc. Anyway, I have received all their documents and find that I did have PPI with them after all. I'm not not so sure how to reply to them. I would appreciate being pointed in the right direction.Will I need to resubmit my claim form to them?

 

I also sent a claim to MBNA whose Virgin credit card I applied for online. Although it was about five years ago I remember that the application kept crashing and would not untick the ppi. I phoned their technical support at the time and spoke to someone about the fact that the form kept crashing. It was about two weeks before I got the card but forgot to raise the issue again about the ppi. Since I have started the claim process with them they have subsequently sent me a copy of the online form simply saying I requested it. I only received this at the weekend so haven't had time to respond to it yet. Yet another to get me all fired up.

 

Thanks again in advance for your help!

-JS-

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  • 2 months later...

Hi,

 

Been in hospital for a while since last post. Have had final response from Santander re Debenhams ppi. Taken to the Ombudsman. However, since card was taken out before Santander took over, I need to find out who the original underwriters were in 2001. Does anyone know how or where I can find this information? I have absolutely no paperwork from that period. Thanks!

 

-JS-

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Hi,

I am quite a way ahead of you in claiming back ppi on a Debenhams store card and these people are proving the hardest to deal with. My card was taken out in 1994, rushed application, crosses put by salesperson where I had to fill in, no ppi requested. Apparently I took out the insurance during a telephone conversation - no transcript available (no surprise there!!).

 

Anyway to the subject of underwriter, mine was Financial Insurance Group (Genworth Financial) and the fos are pursuing them, a long drawn out process due to the legalities and the fos have a number of cases and are considering a test case in the first instance.

 

The address for Genworth is:

PO Box 140

Building 11

Chiswick Park

Chiswick High Road

London W4 5QX

Tel: 0500 055 6548 (number for Senior Associate, Consumer Affairs)

 

If Santander dont produce the insurance document, you could ring Genworth (even if Santander do, I would ring them anyway as the policy document differs from the one Santander sent me!) I spoke to a nice lady there who was very helpful, I should have asked if she had details of premiums paid as Santander cant (or wont) supply them back as far as 1994. Thats another thing to put on my to do list!!

 

Hope this info has been helpful, have a read through my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?202232-Ge-Money-(debenhams)-Ppi

This will show you my battle so far with them. Any other questions, please ask, I am more than willing to help in any way I can

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Hi,

 

Thank you very much for your responses. I am on the mend but quite weary from all of the nonsense being dealt out by the banks over ppi. I am still determined to get back what I am owed. I have sent the SAR and the questionnaire to Santander and have received their final response. Have taken it to the FOS who have told me that Santander cannot give me a final response because they didn't own Debenhams in 2001 as it was GE money when I took out the card. This is why I am looking for the underwriters. Once I have this I need to pass it onto the FOS.

 

Tink660, thanks for the contact address as I am sure they are the ones I need to to confirm , so I will call them tomorrow to find out if they were the underwriters for mine. like you Santader also told me that I requested the ppi via their telesales dept, no transcript produced with the SARs. As you suggest I will read your threads also.

 

Will keep you posted!:-)

 

-JS-

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Hi Again,

 

Been looking through my SARs info sent by Santander and I notice they have sent me someone else's credit application. Plus the account notes etc are from 2005 and not from 2001 when I took out the card. They have also sent the Santander current agreement T&C and not the original GE Money. Do you think I should bother contacting them again about this or just leave it to the FOS? Like I said earlier they say this is their final decision.

 

Thanks again

-JS-

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Hi

I am a liitle further on than you with my claim which is now with the underwriter. After I contacted FOS , they advised that I send the questionnaire to the underwriter, who hasn't responded yet.

I rang Santander and asked who the underwriter was and they gave me the name and address, which is the same one on the policy.

They are Financial Insurance Co Ltd , but I believe they are also known as Genworth. My cards were taken out in 2000 and 2001 ( HOF)

Have a look at my thread - sorry I still haven''t managed to work out how to put the link in.

Also there will probably be more than one reason to claim misselling than the one you raised with Santander , have a read around the FSA guidlines there is a whole list.

Good luck

W

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