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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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).
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      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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Bong v HSBC *Contractual Interest & 13yr claim**WON!!!**


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Bong, excellent research and great result. Read the whole thread - you got it gal. So who in their right mind wants to mess with you now?

 

Congratulations and very well done (sorry I'm late to your thread, can I have an invite next time so I can share in the suspense).

 

Tide

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of course I would invite you Tide, but I don't have any more claims:( so I'm only hanging around here to annoy..oops..help others now! And as promised, I will be doing a summary/analysis of the outcome fairly shortly so that poor peeps like you won't have to wade through 23 pages of thread to cut to the core!

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Brilliant news Bong, just read 90% of your thread and a job well done.

I just hope my claim is some what smooth.

I also think its great your gonna hang around and help other people in getting the knowledge we need to reclaim our money back sucessfully

 

wtg again,

 

Kelley

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of course I would invite you Tide, but I don't have any more claims:( so I'm only hanging around here to annoy..oops..help others now! And as promised, I will be doing a summary/analysis of the outcome fairly shortly so that poor peeps like you won't have to wade through 23 pages of thread to cut to the core!

 

Bong, Ive recently issued. Are you and some of the other CAG'ers coming to my party?

 

Bill-K, so this is where you've been hiding.

 

All others welcome - if I win!

 

Tide

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of course I would invite you Tide, but I don't have any more claims:( so I'm only hanging around here to annoy..oops..help others now! And as promised, I will be doing a summary/analysis of the outcome fairly shortly so that poor peeps like you won't have to wade through 23 pages of thread to cut to the core!

 

what's the problem with having 23 pages!!! lol i don't see a probem :D

If i've been helpful in any way....then tip my scales over there!

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Bong, I've just spent 2 hrs reading this thread - it's absolutely amazing. I've been on the receiving end of people who wind up companies so I know how meticulous you can be but that court work by you was outstanding. Me thinks you are going to be an even more popular CAGer than ever now.:D

 

I'm running a thread for Limited company claims which could do with a watchful eye over by someone like you http://www.consumeractiongroup.co.uk/forum/general/73488-limited-company-claims.html you'd be most welcome there.

 

 

Well done indeed, very well done.

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Hi Bong, many congratulations with your victory. This has been a brilliant thread to read - though it gave me a headache to do so in one go - and has given me enough confidence to look in the loft for my old NatWest statements going back from 1986 to 1992.

NatWest's horrendous charges and my lack of ability to pay a modest VAT bill in 1992 (as a result of the charges) caused my bankruptcy by the Customs & Excise. So I feel very bitter about the b******ds and the distress they caused to me and mine.

If you could produce a "cut down" version of the pleadings, rebuttal of defense etc I'm sure it will help very many people and I'd like be the first to thank you in advance.

You have given so many people renewed hope in their fight against Statute Barred claims I think you should receive a Knighthood - or whatever honour is bestowed upon ladies. Somehow I don't believe the dour Mr Brown would agree as the bank's profits will continue to suffer as we CAGers get stronger and more resourceful.

Kindest regards

ROS.

RiPoFfStOpPeR

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Ros, there are many people who suffered as a result of the 80's/ 90's recession, I had a company go in '93 after I had an 18 month totally unnecessary investigation by the Revenue (where they actually ended up giving me a refund), the Vat man followed, no doubt after a tip from the revenue because we had so many weekly transactions and cash going through, as the recession bit the bank bit too forcing me to take additional loans, their charges were horrendous and I was forced into liquidation by so called advisors when I knew no different. Sadly, with a liquidation I would find it a long slog to regain the records and once I had any claim succeeding the monies would end up with a liquidator somewhere no doubt, but there are many many people I knew who suffered in those days. If only we had known.

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Andrew,

Have you aken a look at the thread started regards Loans to pay off charges?

Andrew1......come on down !!

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Andrew,

Have you aken a look at the thread started regards Loans to pay off charges?

Andrew1......come on down !!

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

 

I'm down !:D

 

Thanks photoman, I've been following that thread too and I'm gathering pace on all this.. watching, learning and getting hungry for revenge ( Justice !)

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Andrew, if you have a letter from your Trustee in Bankruptcy informing you that the bankruptcy is concluded following agreement with your creditors. The Trustee should have closed the case and written to you to that effect. Therefore no person or organization can now have any call on you or your estate in regard to the bankruptcy order. It is final and binding.

Good luck

ROS

RiPoFfStOpPeR

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HI Bong.

I have had a quick browse over your threads and am interested to know about claiming back more than 6 years of charges as i have just applied for charges from Barclays from 1997 to 2002..is this possible? i am new to this as only recentlyfound out that you can claim back charges and i have all bank statements and have calculated the amounts..1st letters already sent 14 days ago but no response..do i have a case? thanks femaletaffy

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HI Bong.

I have had a quick browse over your threads and am interested to know about claiming back more than 6 years of charges as i have just applied for charges from Barclays from 1997 to 2002..is this possible? i am new to this as only recentlyfound out that you can claim back charges and i have all bank statements and have calculated the amounts..1st letters already sent 14 days ago but no response..do i have a case? thanks femaletaffy

 

1/It is unlikely that Barclays will even give you the statements of charges back to when you have requested. They have their own gloriously ignorant interpretation of the Staute of Limitations act, and will provide you with a few bits of paper giving you the charges back 6 years. If you want more, you will likely have a fight on your Hands, and may have to threaten court action (there are directions on site about how to do that).

 

2/ By your own confession, you have only just recently found out about charges, I suggest you do a lot more reading on the issue. Don't make costly mistakes by trying to rush, you have time.

Read the guide and FAQ's,

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

the Step by step section

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

and Michael Brownes excellent Ato Z post.

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

3/ Once you feel confident about the basics, then it's upto yourself if you feel confident enough to add complications such as Statute of Limitations law.

 

Please, don't think I'm being patronising. I just don't want to see anyone make mistakes. Like You, when I first joined here I wanted to jump right and start the fight, but as I read and read more, I realised more, and realised that if I had been hasty I would have got in a right old mess.

 

Very best of luck

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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1/It is unlikely that Barclays will even give you the statements of charges back to when you have requested. They have their own gloriously ignorant interpretation of the Staute of Limitations act, and will provide you with a few bits of paper giving you the charges back 6 years. If you want more, you will likely have a fight on your Hands, and may have to threaten court action (there are directions on site about how to do that).

 

 

It may help to know that i have letters provided by two forum members where Barclay's say they have data going back 12 years.

 

Another of our members is taking them to court for non-compliance and their defence was due in today.

 

So we will see what they submit?

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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It may help to know that i have letters provided by two forum memewbrs where barclays say they have data going back 12 years.

 

Another of our memebrs is taking them to court for non-complaince and their defence was due in today.

 

So we will see what they submit?

 

HTH

 

Glenn

 

I'd be inerested in a link to that thread Glenn if you have one. You know me I hate Barclays.

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Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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hello guys, i am quite new here so please bear with me.:o

 

Congratulation BONG!!!!!!!!!!!!!!!!!!:D :cool:

 

HELP

 

Can someone advise me where to start my research with regards to unlawfull bank charges esp about the ACT clause (Law) i.e. DPA,OPT etc?

 

 

I used to bank with ABBEY national and it is now close. I have opened my account with them 1999 and closed my a/c on 2004. I sent them a request of statement going back 6 years. Can write to them and ask to go as far as 1999? or should I just wait for them to sent it me what I have requested?

 

OK, sorry and thank you.

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hello guys, i am quite new here so please bear with me.:o

 

Congratulation BONG!!!!!!!!!!!!!!!!!!:D :cool:

 

HELP

 

Can someone advise me where to start my research with regards to unlawfull bank charges esp about the ACT clause (Law) i.e. DPA,OPT etc?

 

 

I used to bank with ABBEY national and it is now close. I have opened my account with them 1999 and closed my a/c on 2004. I sent them a request of statement going back 6 years. Can write to them and ask to go as far as 1999? or should I just wait for them to sent it me what I have requested?

 

OK, sorry and thank you.

 

Welcome !!

Looks like your brand new here, so don't just jump in and take action without doing some reading first.

 

Here's a good starting point.

http://www.consumeractiongroup.c o....se-read-these/

 

You'll then find all the templates you need here:

 

http://www.consumeractiongroup.c o....lates-library/

 

You'll also find this very useful;

 

Can't Find What You're Looking For? Here's A Complete A-z Index

 

You'll then need to start your own thread.

 

You will then get more specific advice to your own case, and be able to keep a track of how it's going by viewing just one thread instead of skirting around lots of threads trying to find your posts and answers.

 

1/ Go here.

http://www.consumeractiongroup.c o....group-against/

 

2/ Find your Bank, click on the bold blue name of Bank

 

3/ Go to the bit that says "Forum tools" and click on it.

 

4/ Click Subscribe to Forum. It will ask you how often you want to recieve updates ( daily I found is best)

 

5/ Then it will redirect you once you've subscribed.

 

6/ then click on "Forum tools" again, and choose "Post new thread"

 

7/ Give your thread a title eg: "name vs whatever bank", and then make a post.

 

 

Good luck !!!!:)

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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