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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).
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Whizzkid v Abbey - Round 2


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At this point I should digress & let you all know something, that turns out to be very important later. Unlike Neil, who only had to wait a few weeks for his set aside, I'd had to wait almost 6 weeks for mine!! After 3 or so weeks, & having kept a meticulous record of all the other litigation concluded, and still going on, against Abbey, I decided to send a letter to my judge!! Wasn't even sure then whether it was the 'correct' protocol, but I'd figured hell, it can't do me any harm - I told the judge how in many other cases Abbey had already paid up, but simply because several had gone on to judgement in default, they were interested only in damage limitation ie getting judgement set aside, but thereafter settling up in full! Abbey was essentially abusing the court system to stall & frustrate us in our claims. That they had NO real intention of going on to fight this, or any case, and once set aside, they would simply pay up after, & thus the court should not accommodate them! (I will leave you in suspense for a bit as to the last thing I asked him).....

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Friday 2nd June - D Day!

 

I, along with Adam & Lisa, arrived at court. She approaches me & shows me an email, supposedly sent to me the day before (and very definately wasn't!). It supposedly mentions Neil's hearing Wednesday, says that I am obviously aware that their set aside was granted, and (unbelievably) why don't I just consent to their application Friday without appearing at all, thereby saving both theirs & my costs!! Further, that the hearing would likely last just 15 mins (it went on an hour & a half!) & was a foregone conclusion that set aside would be granted!!!! Arrogant, cheeky, &*%!£!!

 

(cont after cuppa lol)

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Friday 2nd June - D Day!

 

She approaches me & shows me an email, supposedly sent to me the day before (and very definately wasn't!). It supposedly mentions Neil's hearing Wednesday, says that I am obviously aware that their set aside was granted, and (unbelievably) why don't I just consent to their application Friday without appearing at all, thereby saving both theirs & my costs!! Further, that the hearing would likely last just 15 mins (it went on an hour & a half!) & was a foregone conclusion that set aside would be granted!!!! Arrogant, cheeky, &*%!£!!

 

I take it that she is Abbey's barrister and not the cats mother:p

 

Cheeky Bankers. Talk about bully boy tactics!! God I hope the site doesn't go down in the next few minutes.:eek: Then what happened?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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She (Sophie) spent about 20 minutes reading my response over before court, making plenty of notes, and looking slightly worried. Clearly they did not expect me to get such a comprehesive response ready in such a short time. She then came over to us all, asked me for a breakdown of my (attendance) costs, and asked Adam & Lisa who they were, and if they had any pending claims against Abbey.

 

We were ready to prevent a repeat of my exclusion from Neil's hearing, namely that their attendance was ensured under Article 6 of ECHR - but this did not prove necessary. I gave her my costs breakdown (unfortunately the only copy...see later) and again, she read it and made notes all over it. It was clear that she was going to try to deflect the hearing by raising costs as an issue...

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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This has definately got to be THE post that defines the entire end to end process for a claim including court procedure and I've read every entry...could be a best seller...with 15000 views nearly is lol

 

Massive respect Whizzy, NeilP et al. I expect a similar battle due to the massive amount of charges I will be claiming.

 

 

Calculating and collating all my accounts etc prior to submitting my DPA request on Saturday. (First day off work)

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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In the courtroom Sophie opened for the defendant. The main reason for the request to set-aside was down to how the original claim, default judgment and warrant of execution were served. She contested that the first two were issued incorrectly, to my local branch, and that therefore the bank as a group was unaware of the service.

 

The judge was quick to shoot this down, prompted in part by a pre-hearing letter from me, as the court documents clearly showed that the claim and the judgment were both served to Abbey HQ. It was not until the bailiff warrant was issued, to the local branch, that the local branch was even mentioned! In a nutshell the judge described this reason as a "red herring" (his own words...rattle No.1 for Sophie...) and believed that the claim, and default, were properly entered. If the case had rested on this issue alone, I would have won there & then!

 

However, he explained the difference between mandatory and discretionary grounds for granting set-aside (CPR rule 13), and on balance it was granted because Abbey have a right to mount a defence. He criticised the timings of the appliction for set-aside, and implied that it is not the Claimant's problem if the bank cannot communicate between departments, but on balance, the application was made in accordance with the rules. Therefore set-aside was granted, and the judge expects that the Defendant will mount a 'credible' defence...

 

That's where I expected it to end.......but no......

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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OOps sorry mods. Can you get rid of this please.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Next came the decision of what track to allocate the hearing to. Immediately Sophie muttered "small claims," and I turned to Adam & Lisa and we nodded that we thought the same. However, the judge (and this is where he shone out) asked if, due to the nature of Abbey's skeleton defence, perhaps a fast-track hearing may be better. (ie he knew that since Disclosure was not part of the small claims track, he was kinda hinting to me to choose fast track, knowing the minute I did, he was able to order Disclosure! We sort of looked at each other, and realised what the judge was offering...so he decided to adjourn for a short period. This was to allow Sophie to "take instruction from Abbey solicitors" and for me to compose my thoughts regarding this choice.

 

In recess we realised that fast-track would put the bank in the position that their defence would need to be more than stonewalling, but as we are all virgins in this area, it was decided that I would ask the judge to briefly explain the different tracks, and what was involved. Sophie avoided us like the plague, so we also thought it might be good to request that 'without prejudice' documents be submitted. I'd had a derisory offer made last week, with completely unacceptable conditions attached...the judge would have loved that!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Back in the courtroom, and the judge explained the differences, and specifically what a multi-track hearing would entail...Sophie fell for this, and requested that the bank submit defence for a multi-track hearing. She then went on, in detail, about the expert witnesses that would be called, including forensic accountants and bank practicians. In brief, she had requested that the bank be allowed to submit a detailed breakdown of how it's charges are calculated...!!!!!!!!!!! (Wonder if she still has a job?!)

 

We, and the judge, were a bit taken aback - she was committing the bank to submitting a defence that the bank will never submit. The judge, without saying as much, gave the impression that he felt that Abbey had been given an opportunity to settle, but had made the wrong decision. It really was a sledgehammer/walnut scenario, and clearly the judge thought so too. He therefore asked Sophie how long before she could submit pleadings:

Sophie: 'could I ask for 21 days, sir?'

Judge: 'you can ask for 21 days, but you're not going to get it'

Sophie: (cringeing) 'can I ask for 14 days, sir?'

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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The timetable for the whole hearing was set out, leading to the day of trial on 18th August. I then asked if 'without prejudice' documents could be submitted. The judge said 'no,' and that they should be submitted in response to the pleadings. Sophie looked alarmed at this, clearly believing that the threat of multi-track would have bought the claim to an end by now. But still she decided to bully, as the issue came to costs for the day.

 

The judge asked for a schedule, and I told him that Sophie had the only copy (covered in her notes). The judge asked if she objected to costs, and she said she objected both in principle AND in quanta. She tried to argue that the costs schedule was not submitted with 24 hours notice, pretty hard when the preparation was done yesterday afternoon. She queried my half-day 'lost earnings,' which the judge promptly dismissed (her objection that is). She queried my preparation time and rate (cue Adam searching PP for the £9.25 figure, which I'D agreed with the judge whilst she fumbled) - her main argument was that the preparation was done on the internet, specifically on a site dedicated to fighting bank charges (wonder who?!)...and she queried my disbursements.

 

Additionally, and due to the exclusion from NeilP's hearing, she submitted that an email had been sent to me (refer earlier), suggesting I not bother with today's hearing as it would only last 15 minutes, and that it was a foregone conclusion (the hearing lasted for about 90 minutes in total!). Therefore I'd made a conscious decision to incur these costs myself, and that Abbey should not be liable! I would have known that set-aside would be granted, and in attending, I had effectively wasted the court's, and my own, time.

 

When the judge pointed out that I had not actually attended the hearing (due to HER objection), and that I therefore had no idea what today's result would be, she backed down. He told her we could argue the costs issue all day, & suggested he adjourn the costs issue for a week but that the cost of the hearing would be theirs! 'Do you wish to proceed?'. 'Yes'! The judge duly awarded my costs for that day, payable within 14 days... Lesson to be learnt - if you get to attend a set-aside hearing, and are claiming costs for the day, make sure you have all receipts/invoices/timesheets etc with you...

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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:eek: CHEEK OF HER!!!
The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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She also requested that I supply Abbey with a particularised schedule of the charges I was claiming, as Abbey have not been provided with them. The judge stated that they were attached to the original claim form! She piped up that this only included the totals, to which the judge, with the particularised schedule in front of him, replied that it looked like a detailed breakdown of charges to him! That really shut her up, and as Lisa says elsewhere, you could almost feel sorry for her at that point...

 

Conclusion

At the end of the day the judge was definitely on my side, and giving me the opportunity to make my own decisions. He was in control of his courtroom, and ensured that Abbey did not browbeat 'Joe Average.' He summed up other aspects, such as the letter sent by me, for consideration against set-aside. Specifically that Abbey was using set-aside as an instrument to force acceptance of smaller settlements, and also the list of Abbey cases that had got this far, only to be settled days later. I'd always said that it would take just 1 brave, bold judge to see what they were doing, & I believe I got him! My last sentence in my letter to him had said that whilst I realise that set aside was likely to be granted, at least order Disclosure to ensure they were serious about continuing the action & not just abusing the court only to then pay up shortly thereafter - he had done exactly as I'd asked!

 

For Abbey, they were now faced with the choice to either pay up, or submit pleadings. If they chose the latter they would be exposing themselves to disclosing costs incurred, and also any threatening letters they have sent being presented to court. They also run the risk of the judge making an example of them, because we are certain he was NOT impressed with Abbey letting a £2.5K claim get this far, and he certainly wasn't impressed that they want to take it further!

 

I am most pleased to report - not unsurprisingly - that ALL my claim has now been agreed to be settled, also a further sum I was to have begun a second claim for, and yet a further sum that appeared on my statement just this morning - due to have been deducted June 26!!

 

(Many thanks to Adam - my official stenographer hahaha)

  • Haha 1

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Whizz, I've had a quick shifty through, but can't see.

 

Can you do us a favour and break your costs down?

 

Where did you get the figure of £9.25 an hour and did you apply that to the total time you spent on the case or just preparing your response the day before?

 

Did you get loss of earnings in the end? I saw you said it was dismissed, was this because you couldn't prove the figure?

 

cheers

If the name of the claim is blue and underlined, click it to see how I did it.

  • Halifax - 1st Request for £3748.80 sent 10/06 Settled in full and 5% donated


  • Goldfish - Unable to comment further, have a read


  • Lloyds - Data Protection Act sent 19/04 1st estimated request for £1500 sent15/08 LBA sent 08/09


  • Carphone Warehouse - Data Protection Act sent 19/04 Chased 04/07 ICO complaint 18/07


  • First National - 1st Request for £280 sent 05/05 Settled in full and 5% donated


  • Yes car credit - LBA sent 19/07 Court Action launched 26/09


  • HFC Bank - 1st Request for £100 sent 06/06 Settled in full and 5% donated


Like what I said? Hit the scales on the top right of my post. Cheers

 

Disclaimer - By giving advice, I am not putting myself across as a legal expert. Always seek professional advice.

Help the site, donate 5%, I have.

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Oh yeah, forgot.

 

5 stars buddy, good job, good job. :cool:

If the name of the claim is blue and underlined, click it to see how I did it.

  • Halifax - 1st Request for £3748.80 sent 10/06 Settled in full and 5% donated


  • Goldfish - Unable to comment further, have a read


  • Lloyds - Data Protection Act sent 19/04 1st estimated request for £1500 sent15/08 LBA sent 08/09


  • Carphone Warehouse - Data Protection Act sent 19/04 Chased 04/07 ICO complaint 18/07


  • First National - 1st Request for £280 sent 05/05 Settled in full and 5% donated


  • Yes car credit - LBA sent 19/07 Court Action launched 26/09


  • HFC Bank - 1st Request for £100 sent 06/06 Settled in full and 5% donated


Like what I said? Hit the scales on the top right of my post. Cheers

 

Disclaimer - By giving advice, I am not putting myself across as a legal expert. Always seek professional advice.

Help the site, donate 5%, I have.

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If nothing else, this confirms something I've long believed to be true; Judges are not the senile, blundering buffoons so popularised by the tabloid press. I've had dealings with 2 judges in the past and both had minds of razors. As a friend of mine said at the time - 1% of people go to law school, 1% of those become QCs and 1% of them become judges - these people aren't fools.

 

And long may judicial independance continue, despite the meddling of politicians.

 

Good work Whizz. You'll be dining out for years on this story (or boring the bejesus out of people...)

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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The moral of this story is simple:

 

YOU are in the right, not they - their charges are Unlawful.

 

Do not be fobbed off, stalled, bullied, harassed, threatened and so on - they will try EVERYTHING possible to deter you from claiming & from settling.

 

Stick to YOUR timetable, not theirs.

 

Do not settle for anything less than the FULL amount you are claiming.

 

Ensure you have another account - it's likely they will close yours.

 

Also ensure you submit a FULL particularisation detailing ALL charges & dates for which you are claiming.

 

Remember, it doesn't get much worse than this!!!!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Ref costs: the hourly rate was reduced to that given in the court guide for a litigant in person. The 'dismissed' bit you referred to was not my costs dismissed, but THEIR attempt to argue was dismissed!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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I've not laughed so much in ages!!!

 

I detest Abbey with a passion - it was they that prompted me to set up this site!!

 

I they hadn't asked me for confidentiality I may not have bothered - I was so incenced by their attempting top bribe my mouth shut with my own money that I decided to let as many people as possible know about it (along with other reasons too I may add!)

 

I just love it, and I wish I could have been there too!!!

 

Fantastic news all round!

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Congratulations Whizzkid.

Thanks for the inspiration to keep us all going. :)

It sure lifted my spirits.

LIP

ABBEY

DPALetter received by bank on 100406.

£10 Cheque cashed by shABBEY on 200406.

14 statements received between 8-10 0506.

40 day limit reached on 19/5/06.

LBA sent special delivery on 20/5/06

7 days up on the 270506 for the LBA

Prelim approach for repayment for an estimated amt sent. 14 days up on the 200606.

DPAorder for NON-Compliance served 220606. Expires 060706

Final LBA sent, 14 days will be up on the 060706.

Defence from shABBEY received for DPANon compliance 050706

Financial claim deemed served to shABBEY on the 220706

AQ for DPANon Compliance handed in to court on 24706

Defence and 50% offer for Financial claim received 140806

AQ for Financial Claim received 170806

AQ for finacial claim handed in 010906

Hearing 4 amended claim 270906

Fast track Allocation 270906

Disclosure ordered 191006

shabbey failed to disclose 191006

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There was I, faffing about on LTSB forum and thinking 'quiet tonight, they must all be watching football'. How wrong I was, you were all on here reading this fantastic story!!

 

Congrats Whizzkid, inspirational stuff!!

 

Remember, it doesn't get much worse than this!!!!

 

But the victory doesn't get much better!!!

 

Onwards and upwards

 

Elsinore

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Isn't our British legal system wonderful.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Brilliant, BRILLIANT, just BRILLIANT!!!!!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Woooo-hoooo, congratulations Whizzkid - that's absolutely brilliant :)

Wish you coulda video'd your day in court, that would've made excellent watching :D

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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Is there any press stories about the grand finale, in any of the nationals this weekend?

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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