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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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      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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PPI Courtclaim CITI PPI **WON**


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I made a claim for PPI and Citi replied twice saying they had investigated my claim twice and said there was no claim to answer to as the claim referred to PPI over 6 yrs ago.

 

I submitted my claim to court claiming interest in restitution and Citi solicitors requested an extension which I refused on the basis their client had already made 2 investigations so it was not necessary.

 

I was awarded Judgment by Default in September and allowed them 28 days to pay. When this wasn't forth-coming I issued Warrant of Execution for the Bailiffs to enter but they haven't been very helpful. I have had to make many phone calls and emails to the courts to get some movement on this and I am no further forward!

 

I have received an email now from Citi with a measly offer and if this isn't accepted they will immediately ask the court for the judgment to be set aside.

 

I have a few questions;

Firstly, why hasn't the bailiff made a better effort to obtain monies for this claim?

Secondly, what's the chances they will get this set aside when I can prove they haven't shown any respect to the court protocol when they had every chance and opportunity to file their defence ages ago and now just appear to be dragging out the process? Also, is it likely that if a hearing is allowed, it would be closer to the defendant or the claimant?

Thirdly, Can the bailiff still action the warrant or is that a waste of time and effort now?

 

I have won restitution interest on a different bank but Citi seem to think I have no chance.

 

Would appreciate assistance or guidance on what my options are here please.

 

Shelley

Edited by Shelley181146

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Having been reading the forums on Judgments being set aside I have located a brilliant letter which I am considering sending to my courts re the above.

 

Dear Sir/madam,

Re: Claim reference xxxxx – xx. xxxxx –v- Citi Financial (Europe)Plc

I write with reference to the above and to advise that the defendant intends to make an application to have my Judgment set aside. I am writing to strongly oppose the application from xxxxxx Solicitors and request consideration of the following;

I would like to draw the courts attention to the fact that they have failed to meet their obligations in hundreds of other similar cases and I believe that they are showing blatant disregard and disrespect towards the courts. They are further abusing the process and are also wasting the courts time.

As I am sure you are well aware of the courts rules for applying for a judgment to be set aside, that you must have a valid reason as stated in the courts website of which I have copied this extract;

When will the court agree to set aside a judgement?

The County Court rules set out when you can apply to set aside a judgment. For example:

§ You may not have received the original claim form.

§ You may have moved house and not had post from your previous address.

§ An order was made against you in your absence in certain circumstances.

§ There may be an error in the judgment.

§ You want to put in a defence and did not have the opportunity to do this.

§ The proceedings did not follow the court rules.

Default Judgments

You may have a Default Judgment made against you where there was no hearing and you have not sent back the "Acknowledgement of Service" form to say you intend to put in a defence. You may also have a Default Judgment made against you if you have NOT sent in the reply form asking for time to pay within the time limits.

You should not have a Default Judgment if you:

§ paid off the whole amount owed.

The court must set aside the Default Judgment if you either:

§ Sent back the Acknowledgement of Service form within the time limit,

OR

§ put in a defence within the time limit,

OR

§ sent in the reply form asking for time to pay within the time limit.

The court may agree to set aside the Default judgment if you did not send in a reply form within the time limits if it thinks:

§ you have real chance of a successful defence to the claim, To date they have always settled prior to court hearings.

OR

§ the court thinks you have a "good reason" to set aside the judgment e.g. where you did not get the papers through the post. This did not happen, they have also been sent a copy by myself via their solicitors and they are a well established legal company, I am a litigant in person, the fact that they behaved in an unprofessional manner and ignored the courts directions is not in all good conscience.

I also draw the courts attention to the following sections of the Courts own Civil Procedure Rules.

When judgment or order takes effect

40.7 – (1) A judgment or order takes effect from the day when it is given or made, or such later date as the court may specify.

(2) This rule applies to all judgments and orders except those to which rule 40.10 (judgment by state) applies.

And

Time for complying with a judgment or order

40.11 A party must comply with a judgment or order for the payment of an amount of money (including costs) within 14 days of the date of the judgment or order, unless –

(a) the judgment or order specifies a different date for compliance (including specifying payment by instalments);

(b) any of these Rules specifies a different date for compliance; or

© the court has stayed the proceedings or judgment.

Should I wait for the defendants to file their application or get this in first?

Can the defendant ask the court for a hearing near to them (London) or should it be heard in the court where the claim was filed by us? We are on limited budget and London would cause considerable stress as my husband is disabled.

Would anyone recommend any changes to the above before I submit it?

Many thanks

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Bailiffs are a waste of space.

 

How much is the debt? You should have used High Court Enforcement Officers (HCEO) instead.

 

The claim should be heard at your local Court as you are an individual- the banks can afford to send someone to your Court!

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Bailiffs are a waste of space.

 

How much is the debt? You should have used High Court Enforcement Officers (HCEO) instead.

 

The claim should be heard at your local Court as you are an individual- the banks can afford to send someone to your Court!

 

Hi Ganymede,

Thank you for dropping in.

 

I wasn't aware they were any different but I do today. I have been to my courts with a letter which clearly identifies the defendants lack of professionalism and profoundly disagree's with any application that they may make for 'set aside' but time will tell.

 

I will be contacting the bailiff manager tomorrow to ask why they have not corresponded with me.

 

Would you enlighten me with the advantages of an HCEO please and how I would go about an application with one?

 

Just for reference, I am usually on late into the evenings and very rarely online in the daytime.

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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If you have a debt that you have Judgment for more than £600 then you may transfer the debt to the High Court for Enforcement. A Google of High Court Enforcement Officers will give you quite a list of who to choose from. Here's one taken at random http://www.thesheriffsoffice.com/ you can see what type of thing they do. When choosing the HCEO just be aware that biggest is not always best! Type HCEO in the search box on here to get a flavour of how they crop up.

 

The HCEO can transfer the Judgment for you - all you pay are the Court costs £60 I believe. The Officer is more tenacious than the County Court Bailiff and will seize and remove items immediately. He gives no prior warning of his visit and I remember 1 case where the HCEO walked into a High Street bank and seized all their Computers etc, any business open to the public is easy for him to gain entry and believe your Debtor would be no different. If the HCEO is unable to gain entry or seize goods or get payment from your Debtor then there is usually an abortive fee of approx £80 to pay - but be assured he will have made several visits before this happens.

 

PT

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

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Am I able to use HCEO where the judgment relates to a c/c agreement? If one is exempt from fees would they still be exempt through HCEO?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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The Defendants solicitor is now threatening to have the judgment set aside and apply to the courts to have it processed through the 'Fast Track' facility to ensure they will get costs awarded 'if' they were to win the case.

 

The bailiff is saying they are having difficulty getting past the reception area of the building due to security so what difference would the HCEO be able to do?

 

If someone has experience of the Fast Track facility would you kindly share your experience?

 

We don't have the resources to pay their costs (not wishing to feel defeated yet) but can only just about keep head above water as it is.

 

Are they likely to get their request granted or will the court see through the Defendants bullying tactics?

 

Please help.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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It was back in 2001/2 but is it statute barred because I have been paying nominal amounts to their agents and got the evidence to prove it?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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When was the card cancelled and your last payment made?

 

Cancelled 2004 last pyt made via DCA 2010

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Hi Shell apologies for not getting back to you sooner as you may be aware I have only recently returned from holiday.

Ok for the defendant to set a side would need good and just reason you would simply object so the above is bluster and dummy throwing.If they make application to S a S inform me immediately.You have judgment and are trying to enforce it they are frustrating the process.

 

Andy

 

For Information EX321 - I have a judgment but the defendant hasn't paid ...

Edited by Andyorch

We could do with some help from you.

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Hello Andy,

I didn't realise you were on holiday - hope you have had a really nice time and that you are more relaxed on your return?

 

Thank you for the EX321 stuff - I have been through the courts guides quite a bit lately because the bailiffs don't seem to be corresponding with me and I have been chasing the courts to try to find out - apparently defendants building has high security measures because of where it is so I don't know if sheriff's officer's would do any better?

 

Defendant not only threatening set aside but also 'fast track' as they are 'confident' they will win, so as to ensure they can claim their costs.

 

I have delivered a letter to the courts wholly opposing the set aside request but I wasn't aware of the fast track tactic then.

 

I am just researching the fast track now

 

Frustrated but determined, Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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They cant apply to the courts to have it FT the DJ decides which track, and they have to get the set a side first.

On what grounds could they possibly apply to set a side on " we couldn't be bothered to defend it sir" reason????:!:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Lets hope I get a good DJ then who reads that the Defendant hasn't complied with the court process until such time as the bailiffs have been involved, and then decide to sit up and take note, then decide they want to defend.

 

I appreciate your offer and will keep you posted.

 

Huge thanks

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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They cant apply to the courts to have it FT the DJ decides which track, and they have to get the set a side first.

On what grounds could they possibly apply to set a side on " we couldn't be bothered to defend it sir" reason????:!:

 

They have finally taken notice of the rate of interest I have charged them and say that NO COURT IN THE LAND WILL AGREE to that rate of interest, max court will grant in 6%, when in fact stautory is 8% and they go on to advise me that the England base rate is 0.5. Ha! as if I am interested in their stats.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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They have finally taken notice of the rate of interest I have charged them and say that NO COURT IN THE LAND WILL AGREE to that rate of interest, max court will grant in 6%, when in fact stautory is 8% and they go on to advise me that the England base rate is 0.5. Ha! as if I am interested in their stats.

 

They had their chance to challenge the interest rate by defending the claim, they didnt and so they become liable to pay everything.. If they want to set aside then I'm sure a judge would want a good reason, not looking at the claim form properly isnt one!

 

I would suggest they either pay in full or come up with a reasonable offer just blustering and claiming the sky will fall down if you dont back down wont impress anyone especially the judge if they do try something.

 

S.

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Did you research claiming back PPI payments before issuing?

 

I'm not an expert in that area but was under the impression the 6 limitation period ran from the date the PPI was sold or the account cancelled? I think there are a few exceptions to that though.

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They had their chance to challenge the interest rate by defending the claim, they didnt and so they become liable to pay everything.. If they want to set aside then I'm sure a judge would want a good reason, not looking at the claim form properly isnt one!

 

I would suggest they either pay in full or come up with a reasonable offer just blustering and claiming the sky will fall down if you dont back down wont impress anyone especially the judge if they do try something.

 

S.

 

Good evening Shadow,

 

They have had more than one chance to consider this claim.

 

I originally wrote to them in May asking for PPI premiums to be re-imbursed due to employment and medical exclusions (the application form advised them that the applicant was 'retired') so they should not have applied them in the first place. However, the applicant (my OH) worked part time for me for a short while before his condition worsened and when we tried to claim they ignored us and put the debt into the hands of DCA's. (Hindsight is a wonderful thing - pity I didn't persue it back then but my husbands condition was and remains my priority).

 

Their reply was that "it's not company policy to efund premiums that were applied more than 6 years prior to this date and the complaint is now closed" referring us to the FOS 6 months blah, blah.

However, I followed this up with LBA quoting Kleinwort Benson etc giving them 14 days to respond - they replied with " having reviewed your earlier letter our position remains unchanged".

 

I sincerely hope I get a DJ who like to read cases thoroughly and I get the opportunity to explain this.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Did you research claiming back PPI payments before issuing?

 

I'm not an expert in that area but was under the impression the 6 limitation period ran from the date the PPI was sold or the account cancelled? I think there are a few exceptions to that though.

 

Account cancelled? is this when sold to DCA or credit facility withdrawn? Do you have any knowledge of what the xclusions might be?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Just found this link which says the bank cannot put a time limit on PPI claims

 

http://www.thisismoney.co.uk/money/experts/article-1615850/How-far-back-can-I-claim-PPI-refund.html

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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They have no defence, in all probability. Any time limit, if applicable at all, would begin from the point where you realised you had been missold the PPI - not from when it was last applied to the account. So they are full of bluster. Unless the claim is for over £5k they will struggle to get anything allocated to fast track. Set asides have no track, AFAIK. Moreover, it's the judge who decides the track, not them, so they are misrepresenting the true legal situation.

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I have had no joy with the c.c bailiffs today but I have rec'd an email from CFE today increasing their offer. We're not wuite at the level I'd like but will sleep on it this evening and see how I wake up tomorrow.

 

If I go down the HCLEO route I will have to move fast this week due to personal circumstances.

 

I have advised the defendant that I have made the court aware of their misrepresentation of the legal system which I think has increased their offer but I don't want to push my luck, but on the other hand I don't want them to think I have caved in.

 

I expect I will have a problem with them yet on the settlement payment because the DCA involved have put the debt into the hands of another DCA so the quest goes on.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Well, what a difference 24hours makes.

 

I received a call from the bailiff manager and I informed them of my decision to involve the HCEO if no response to my offer was rec'd by Wed lunchtime. I had emailed the defendants solicitors telling them the same and by some miracle today, they have caved in and accepted my offer to settle this matter and I now await funds being paid.

 

For all their threats of FT and s a s, they have settled at what I asked for and duly deserved. They had had plenty of time to defend this months ago but chose not to.

 

So that's another 'Interest in Restitution' claim at 29.9% WON but I won't be celebrating until I have the cleared funds in my acct.

 

I don't acredit this win to the bailiffs. This is purely down to the support and guidance of Caggers and a further donation will be whisking its way across very soon.

 

Huge thanks to my family of Caggers - you know who you are - stay strong folks.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Excellent news Shelley they caved eventually.

 

Well done!!!!

 

Regards

 

Andy

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