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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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Barclays Accounts


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Hi,

 

I have two Barclays Accounts, primary with 5k overdraft facility and secondary with 2k. I have not had a job for over a year and was basically surviving on savings and using the overdrafts. The past few months have been very difficult and due to lack of any income, all of my direct debits and standing orders have failed, this resulted in bank charges for every failure, eventually they called me and cancelled all my direct debits to avoid any further charges.

For the 2k overdraft, due to no credits being applied to the account they have removed the od facility and requested i payback the whole amount. They have given me 6 months to pay back the whole 2k.

 

Can anyone recommend how i can recover charges and interest to my accounts, and best way to handle paying back the 2k, i really cant afford to pay 2k in 6 months, but they are not having it.

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sadly you cannot any longer reclaim bank charges 'as such'

 

you might get some joy with a hardship claim though.

 

use our advanced search top right

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Bobster,

 

If they are giving you 6 months to repay the £2K OD, you could consider yourself lucky to be given this length of time. They can, and often do, demand immediate repayment of the full amount.

 

Read more about Hardship claims here - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship

 

I think it's only a matter of time until they demand repayment of the larger OD too.

 

Do you have alternative banking facilities elsewhere. If not, you should try and set this up asap before Barclays default markers make this impossible.

 

:-)

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I've managed to open an account with another bank as a precaution.

 

For the issues with Barclays

 

is there no way to recover charges like people are doing for their credit cards (have this issue aswell)

 

I also have a Barclayloan Plus (fixed payments of approx £500 per month for 5 years, approx 1 year left to go)

which has also had a number of charges due to insufficient funds.

 

All this due to losing my job over a year ago.

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yes you can reclaim the lot

 

see the numbered links in my sig

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hit the green Library link button, 3rd from left at the top of any page. Then on the RH side of that page scroll down under LIBRARY to the 11th section where you should find "Bank Charges Templates (Consumer). The Hardship letter is on the 4th page of the bank letters.

 

If you are also going to reclaim Credit Card charges or Fixed Sum Loan A/c charges, start a new thread for each case in the appropriate forum. You should also consider if there is any PPI that you can reclaim but this should be dealt with separately from the default charges.

 

See **WON** cases here for examples of how to reclaim compound interest in restitution on top of the actual default charges - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Read plenty of threads before proceeding, to see how to do things.

 

If you don't have all your statements to check for default charges and PPI, get them by sending a SAR. Only one SAR is needed for each bank group so, for instance, a request to Barclays bank PLC should get you a/c data for Barclays current a/c's, loan a/c's and any Barclaycard a/c's.

 

:-)

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Hi Bobster,

 

Include a Budget Spreadsheet when sending in the H/ship letter.

 

Application for a refund of charges will only apply to current bank a/c's. This is because the banks don't have to refund default charges after the OFT lost the test case about this matter in 2010 (?).

 

If you have any charges incurred on credit cards, you will seek a full refund of these plus interest. If the bank or credit card company does not refund, you will take court action to recover the amounts due to you.

 

:-)

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I gave you a link to it in post #3 above.

 

:-)

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  • 2 weeks later...

On your BC thread, you asked about whether to send a Hardship letter before or after the SAR.

 

Send off the SAR now, specifying all the bank a/c and credit card a/c numbers you want data for.

 

If you also want to reclaim bank charges for when you were suffering Hardship, you should do this for a specific period between xxdate and xxdate, the latter date being when you started to get paid for your new job.

 

I'm trying to get the Hardship letter updated so it refers to the current Banking Regulations instead of the temporary Regs that applied during the OFT Test Case when reclaims were put on hold except for those for Hardship.

 

:-)

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Yes, I'll keep an eye out for it.

 

If you hear nothing, feel free to remind me by PM.

 

:wink:

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SAR finally sent out today and to the other CC companies.

 

Any news on the hardship letter?

i've been looking round on the net and have found the following

 

-Dear Sir or Madam,

RE: Account Number: 0000000000

 

I am currently experiencing financial difficulties due to a drop in my income and am finding it increasingly difficult to meet my contractual payments.

I am trying to resolve my situation but circumstances beyond my control have forced me into this position.

I enclose a copy of my financial statement.

I have also enclosed a schedule of all my non-priority debts and the proportionately calculated pro rata offer.

I hope you can accept this offer of £10 per month and stop any further interest or charges accruing.

I will write to you again in four (4) months to update you on my financial situation and payments

.Yours Sincerely

 

In the meantime I also contacted CCCS and went through my situation with an advisor,

he recommended a DMP to clear my debts.

 

I'm not sure to proceed with them or go it alone myself.

If i decide to go it alone,

is it worth mentioning that i've been in contact with CCCS including my reference number do add additional weight to my situation.

 

At the end of the day i hope they freeze my interest rate and charges and agree to a figure i propose to repay

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If you have other debts that need sorting as well. I suggest you go nad see CAB for advice; they will go through all expenditure and debts and write the appropriate letters for you to your creditors offering an amount you can pay each month.

carries more weight and more likely to agree as third party has verified your figures.

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Hi Bobster,

 

Re the letter above about Hardship, you need to include a para asking for a refund of all default charges added to the bank a/c during the period of Hardship, from xxdate to the present, in accordance with the Lending Code which the banks subscribe to.

 

:-)

Edited by slick132
changed FSA reg'ns to Lending Code

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  • 3 weeks later...

Hi Bobster,

 

Your case prompted me to review our Hardship letter and it's now been revised and updated - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship

 

It includes reference to the Lending Code regulations which were issued in March 2011, which basically force the bank to give due consideration to your circumstances and to stop adding interest or charges on an account while you're in Financial Difficulty.

 

Have Barclays already issued a DN for the bank a/c.

 

:wink:

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Hi Slick,

Barclays have responded to the original hardship letter I sent them,

they want to do the following:

close my two accounts,

issue me with a default notice

open a new barclays cash card account

convert the oustanding overdrafts into a loan (not sure about rates etc..)

 

In my main account I was always in my overdraft limit,

the real conern is the 2nd account which i need to bring back to 0 balance.

 

I wanted them to put me on a plan to clear the overdraft on my 2nd account,

freeze the interest and not give me any default notice.

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what convert unlawful bank charges into a loan

 

no way!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Bobster,

 

Did you send them the new Financial Difficulty letter or not.

 

Just wondering if you are waiting for a further reply from them to the FD letter.

 

:wink:

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 2 months later...

Hi Bobster

 

Do you have an updates on this situation? It is almost the same situation as mine and you were asking the same questions, but the thread has kind of stopped half way through the problem....

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