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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.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Successful Claims


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Hi I am claiming against HSBC for £2484. Have issued small claims court proceedings so have paid £120 court fees. Have no court date yet though they have said they are defending the action. They have offered me £2111 today!! so £500 short. Not sure whether to take this or fight for more. Am worried that some precedent will be set or financial ombudsman will make new law etc and I wont get any money!! Anyone know of anything legal in the pipeline?? Any advice am now abit confused. Ta:confused:

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hi guys,

 

still nothing from dg today, i posted my acceptence letter 7 days ago.. i tried ringing them but all i get i voicemail on all the telephone numbers given anyone know of anymore? how do i check to see if they have canceled my court date for next week?

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Hi Dan2183, I'm still waiting for court date but have done a lot of reading on this site and advice seems to be don't agree to DG cancelling court action, wait til the monies in the bank then you contact the court and cancel, but I say again not until you've got the money. Hope this helps, sure someone with loads more knowledge than me will advice better. oh congrats on your offer tf

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Letter from court:

 

It is ordered that, the court of its own motion is considering striking out the defence in this action as an abuse of process.

 

The basis for this is the fact that the defendant is settling all claims of this nature where claimants are seeking the reimbursment of bank charges, with no claims proceeding to a contested hearing.

 

The court considers the authority of Mullen v Hackney London Borough Council 1997 relevant.

 

If the defendant objects to the proposed strike out it is ordered to file, by no later than xx June 2007 a schedule setting out all claims of this type in England and Wales which have proceeded to a final contested hearing and the outcome of such hearings, together with a schedule of all such claims which is has compromised before the final hearing after proceedings have been issued.

 

Upon receipt of such objections the court will consider listing the claim for a notice hearing of the strike out issue.

 

In the absence of any such objections being filed in time, the defence herein will be struck out and a judgement entered for the amount claimed by the claimant, together with the appropriate costs claimable on the small claims track.

 

And throught the post, a cheque for the full amount claimed, charges plus CI of unauthorised interest rate for HSBC, plus court fees. Don't you just wish all courts could be this excellent! Will scan the full letter once I get a chance.

 

:)

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hi i got back 1950 of a £2000 claim - whole thing took 2 months.. very happy! my partner is now doing his and has not heard from them in over the time suggested so we are starting the next step now .. wish us luck!

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Hi

Received today £3383.78, in full settlement which included 8% interest and all court fees. First letter sent to HSBC 4th March 07, no response so filed in small claims online. Was not required to complete AQ, the case was transferred from Northampton to my local court and a heaing date given immediately which was for today. Only rec'd offer from DG once they received my court bundle, knew i meant business then!

 

Good luck to all those still in the throws of claiming, at times it seems very daunting and you wonder if you've bitten off more than you can chew! Keep going CAG are fantastic, always there to give advise and guidance, i couldn't have done it with out them!

Thanks again!! :D :D

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I am dealing with 2 claims v HSBC for family and after sending LBA and schedule of charges bot have received letters from HSBC saying that they are investigating and will come back in 8 weeks.

 

Called after 6 weeks and they say that they will in 2 weeks make an offer - saves all the hassle of Court action.

 

Is this now the norm with the way HSBC are dealing with claims and anyone out there been paid after 8 weeks without going to Court?

 

Fred

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Hi everyone,

just to let you know we have received our offer letter today for 85% of the claim, which we are more than happy with as we cant do the court option because we are overseas, it will clear the overdraft and we shall have some left over to go into the savings account.

It has taken exactly ten weeks from start to finish.

Thank you to everyone who has helped us and Good luck to everyone with their claims, hang on in there, its worth the wait.Donation on the way once funds have cleared .....Thanks again

:D:D

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have received offer today of £450 which we are accepting. Claim was for £497 so very happy with that( one of the charges was just over 6 years so they have taken that off). Got as far as court bundle and waited 2 weeks before we had an offer. Thanks to everyone for all their support and advice.:D

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Hi All,

 

Mine went to the wire! Day before my prelim hearing, i spoke to DG on phone, and agreed Charges, OD Interest on Charges, 8% interest, and default removal! Total £2600 :D

 

Keep on to them!

 

MA

__________________

HSBC A/C - WON! - £1,575 Charges, Stat Interest and default removed before court!

HSBC CC - WON! - £1,025 Charges, and Stat Interest refunded

ARGOS - WON! - £250 Charges & Contractual Interest

CREATION WON! - £180 Charges & Contractual Interest

BARCLAYCARD- Court Date Set - 09/10/2007

EGG - SAR Sent 22/12/06, ID Sent 05/01/07. No progress yet.

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Hi, mine went to the wire as well (only because DG forgot about one of my claims and mixed up the dates with the other), but I've won 2 claims at the same time and am now over £5700 better off. Don't give up - you do get your money. The people on this forum are so helpful - THANKS!

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Another one here that went to the wire! But I have accepted a full settlement. It took over 6 months, but was well worth it.

 

Thanks to everyone here! (which moderator am I meant to tell?)

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Hi, just got success in a claim against HSBC - for £1790 charges over last five years. Decided to say I would appeal to the Financial Ombudsman in my first letter rather than take them to court and gave them eight weeks to respond according to Ombudsman rules. This meant waiting longer initially, they got back to me two days after eight weeks offering to settle £1564 'in full and final settlement' (random?!? plucked out of thin air as far as I can tell) and of course admitting no liability and stating that if it went to court they would win! So I wrote back and said if they didn't give me the full amount in 14 days I would take them to court - I received a letter last week offering me the full amount - which I have taken. Not threatening to take them to court in the first place actually gave me an extra bargaining chip instead of having to initiate the online claim process in order to get the full amount.

 

I'm going to turn to my credit cards next.

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HSBC

Amount claimed £4200

Amount offered £3500

 

I originally wrote to the HSBC on 18 April, requesting that all charges be repaid. They ignored this letter, so sent another on 9th May, threatening court action. The bank responded to this letter, saying they had 8 weeks to respond. As I couldnt really afford to take out court proceedings, I decided to hold off until 8 weeks were up from the 18 April. I then emailed them saying they had broken the guidelines they were expecting me to follow, by not acknowledging the first letter. I said I would complain to the Financial Ombudsman if they did not settle up. One week later (today) I received an offer of £3500. I know it is not what I originally requested, but I am so happy to have such a large sum, money which I never thought I would see again, so I am accepting the offer.

I must admit, it was much easier to claim and get a good result than I ever thought it would be. I was also encouraged to proceed with the claim thanks to this web site, and as soon as the money is in my account I will make a donation. THANK YOU EVERYONE FOR THEIR ENCOURAGEMENT AND FOR THOSE WHO ARE STILL THINKING OF CLAIMING - GET ON WITH IT - YOU HAVE NOTHING TO LOOSE.

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Hi,

I placed a claim against HSBC for 2466.41p ( but i claimed 2566.41 by mistake). I received an initial offer of less than half after my first letter asking for repayment, which i refused. I filed MCOL, they defended and had a court date for 20th July (next Friday). I didnt have to fill out an allocation questionnaire for my local court which saved me 100.00. And my local court ordered DG to submit their evidence first, listing full costs of each of the charges. They didnt do this and i wrote to the court asking for the defence to be thrown out in my favour, which i was still waiting to hear on, until......

I received a full settlement from DG today for 2823.81p including statutory interest up until yesterdays date, 120.00 MCOL fee, 100.00 allocation questionnaire fee (which i didnt have to do!) and the 100.00 that i had claimed for by mistake!! So basically 200.00 more than i claimed for, but hey if i claimed for time wasted, ink, paper, inconvenience, stress etc... 200.00 will do!!

woo hoo thanks everyone for your support. right.. who's next???? Capital One, Lloyds, Citi Cards......

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Some good news for me and maybe some others it will come, i had a call from HSBC this morning with an offer which was 4.00 off what they were demanding and to close may account which i am quite happy about. They were aware i am registered with CAG and i only sent my first letter, this is for my business account. So maybe some others will be getting phone calls as well. The test case in HULL might just be scaring the banks. So my claim has been successful without going to court which to be honest i was dreading.

Good luck to all of you and i hope you get your money back.

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Hi I started my battle with HSBC in July of Last Year.

 

I will admit that it took me 8 months to get round to going through my statements.

 

When i finally submitted my letter i was claiming £3,800 in charges including interest.

 

They did take a long time to reply so i sent them an additional letter informing them that they had breached the day 5 regulations in accordance with the FSA significant complaint acknowledgement and also mentioned that inline with the new FSA treating clients fairly regime that if they credit other clients with the charges back they must do it for everyone.

 

They came back with an offer of £2,800 which i accepted as I recieved the letter the same day as the client who lost when he went to court.

 

Im happy, if anyone wants a copy of the chaser letter i can provide.

 

Regards

 

Nathan

 

Thank you Consumer Action Group

 

Hi

 

Can I have a copy of that letter please Just incase

 

Thanks

you can run but you can't hide!!!!

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Hi,

 

Just a note I received an offer letter at the weekend for the amount £1532.25 which is all charges up to the latest ones (which I hadn't claimed for; they ocurred after my claim was started).

 

I am happy with this offer even though it doesn't reimburse for the court costs. Personally speaking (Bear in mind I am new to all of this and I did come to CAG late in the day (followed off-site advice)) I'd say if you're taking on HSBC and get a letter asking for you to wait 8 weeks for them to investigate your "complaint" - give them some breathing space and then file your claim if your not happy with the outcome.

 

Cheers.

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Jusr received my cheque today for full amount, plus 8% interest, plus courts fees.

 

14th March till 19th July... not a bad turn around.

ABBEY : Seeking £1500 : Default Judgement Received - now set aside- AQ dispensed, awaiting court date

Barclaycard : WON : Seeking £380, offered £152. : Full settlement £510 + costs

EGG Card : WON : £168 FULL SETTLEMENT within 3 Weeks

HSBC : WON : Sought £1500+ : Full Settlement £2375.89 received 4 months start to end

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Claimed £1969 from HSBC

Offered £2094! Will be accepting!

 

I started the process in April and today got the offer letter. The first court hearing was set for 1st August! I'm very pleased. Thanks to all who gave advice.

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Spoke to HSBC today on the telephone. They informed me that a letter was in the post offering me £1489.20 in full and final settlement (I was claiming for £1800). I will be accepting this offer. This offer comes just over 6 weeks after I posted the first letter claiming charges. If you are prepared to accept less than your full claim, then waiting within the 8 weeks quoted, is well worth it.:D. Lets just see how quickly they put it into my bank account!!

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