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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.
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PPI newbie with oldie claims


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Following a relatively successful collection of bank/credit card charge claims, I would like to have a go on the PPI front, but there could be a number of issues..

 

I had loans from my three previous bankers Co-op, Halifax and Lloyds and various cards with the usual credit card suspects MBNA, Lloyds etc.

I am pretty sure that most of them had associated PPI and I think I would have a reasonable claim for mis-selling as I was a self employed consultant during the life of the loans/credit cards.

 

Problem number one is that the loans/credit cards date back well over 6 years, probably more like 16 years. They were all frozen into a debt management plan in 2002 which has recently been completed.

The excellent SAR template requests full financial history but judging from some other threads, the banks/card companies seem reluctant to go back past 6 years with a familiar 'no records available' excuse.

 

Problem number two is that I have no detailed documentation for any of the loans/cards so I would be entirely reliant on the SARs providing sufficient information to establish a claim. Again, I notice from some threads that quite often the info received was not complete and/or did no match the request so I am not optimistic that I would be able to obtain sufficient details to make a claim.

 

Problem number three is that assuming I was able to pick the required info for a claim from the SAR, the banks/card companies probably would not want to play ball due to the age of the agreements.

I understand FOS will not entertain claims prior to 2001 which would just leave the courts as the sole option. I would be reluctant to pursue the latter course as I have had previous experience with a bank charges court case against Lloyds which required significant work.

 

My dilema is am I being too pessimistic and I should I risk a few ten quid punts on SARs when the odds of a successful outcome may be quite slim, or reluctantly accept that I have missed the PPI claims boat?

 

Any advice or comments from others in a similar position would be much appreciated.

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Nothing ventured, nothing gained, I have decided to get the ball rolling on the SARs but would still appreciate the views of site members on the the likelyhood of success.

 

I also had a loan with a company called Lombard who could now be defunct. If this is the case (anybody know?), I assume that I will have to claim directly to FSCS.

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Nothing ventured, nothing gained, I have decided to get the ball rolling on the SARs but would still appreciate the views of site members on the the likelyhood of success.

 

I also had a loan with a company called Lombard who could now be defunct. If this is the case (anybody know?), I assume that I will have to claim directly to FSCS.

If I have my facts right - Lombard became First National Tricity Finance Ltd in 1999, they are now apart of GE Money.
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My dilema is am I being too pessimistic and I should I risk a few ten quid punts on SARs when the odds of a successful outcome may be quite slim, or reluctantly accept that I have missed the PPI claims boat?

 

Any advice or comments from others in a similar position would be much appreciated.

 

Hi Brett48.

 

Yes. SARs to all and then decide on which ones you will or will not take on. I have managed to claim a couple back from 12 years ago (loans) which were paid off even though the bank in question had been bought out 6 yrs after the loans were paid off.

 

Credit cards could be a little trickier as it helps to have all of the statements and, as you say, they can be reluctant to give anything over 6 yrs.

 

I would see what you get back first.

 

Mike

 

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Dont know if its any help but if bank statements and credit files are available showing all payments , dates commenced and settled is it then possible to claim PPi or work out the premiums paid. I suppose it could be worked out if total payments were known plus interest rate and sum borrowed. Any body able to shed more light?

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Dont know if its any help but if bank statements and credit files are available showing all payments , dates commenced and settled is it then possible to claim PPi or work out the premiums paid. I suppose it could be worked out if total payments were known plus interest rate and sum borrowed. Any body able to shed more light?

 

 

Yes. As far as I know you are able to 'estimate' PPI for periods of missing paperwork. Knowing payments, interest etc will help greatly as it will only strengthen your case. My Son in Law, when dealing with Barclays had 8 yrs PPI with statements for only 6 so the first 2 years were estimated on a pro-rata basis as he knew his level of payment.

 

Mike

 

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Thanks for this info Fishy and Mike. Unfortunately it does not help in my case as I had a shredding blitz on old documents a few years back and I am therefore totally reliant on the banks and credit card companies coming up trumps with the content of their SAR reponses. If they can only go back a certain time, it is possible that I could pro-rata back to the start of the agreements, depending on the payment information provided.

I am nearly complete on my SAR preparations and they will be winging their way to the recipients by the end of the week.

 

Brett

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Hi Brett

 

I put a SAR into Barclaycard and got a copy of my original application from 1999. It showed PPI would be charged

 

Thanks Lakesboy, I have never used Barclays but that sounds promising if my SAR banks/credit cards adopt a similar approach. I am hoping that when I pick through the bones of the SAR responses, I too will discover the magic letters PPI.

 

Brett

 

And Egg very kindly gave me 10 years worth of statements :-). You may get back more than you hoped for yet!

 

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  • 2 weeks later...

Seven SARs fired off a couple of weeks ago and the first response has come back from GE Money re: the Lombard loan via First Tricity Finance. Although confusingly, the response is not from GE Money but from Santander cards who I assume must be connected to GE Money in some way.

 

Anyway, the bottom line is that they have returned my SAR letter together with my fee cheque and a hand written complimemts slip requesting that I supply the account number.

The Lombard/First Tricity/GE Money/Santander SAR was the only one where I had zero information, not even an account number. Am I right in assuming that the provision of an account number on an SAR is not mandatory and that the combination of my name and address (which was the same at the time of starting the loan) is sufficient for the SAR to be processed? I just want to be sure before I fling it back at them.

 

Thanks

 

Brett

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Seven SARs fired off a couple of weeks ago and the first response has come back from GE Money re: the Lombard loan via First Tricity Finance. Although confusingly, the response is not from GE Money but from Santander cards who I assume must be connected to GE Money in some way.

 

Anyway, the bottom line is that they have returned my SAR letter together with my fee cheque and a hand written complimemts slip requesting that I supply the account number.

The Lombard/First Tricity/GE Money/Santander SAR was the only one where I had zero information, not even an account number. Am I right in assuming that the provision of an account number on an SAR is not mandatory and that the combination of my name and address (which was the same at the time of starting the loan) is sufficient for the SAR to be processed? I just want to be sure before I fling it back at them.

 

Thanks

 

Brett

 

Hi

 

Yes you are correct....they should able to trace you from your full name and the address details from when the loan was taken out and for the duration of the account

 

ims

 

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  • 1 month later...

The majority of SARs have now been returned and congratulations to Halifax/Bank of Scotland who are the clear winers in providing a bundle several times larger than anyone else and the only bank to send by recorded delivery. Overall, the quality of info provided has certainly improved since my last foray into the murky world of SARs when reclaiming bank charges a few years back.

The PPI content was a litlle dissapointing however with only Halifax coming up trumps with a cedit card PPI cancelled after a year and an amount entitled 'MSF CREDITCARE' of around 12% added to one of my loans which sounds like it could be PPI in disguise.

Still waiting on 2 SARs to come back - LLoyds who returned my original request because it did not have a signature (delaying tactics?) and Lombard aka First tricity Finance aka GE Money aka Santander who seem to have finally got the message after 2 returns that they can delve into their dusty archives for my info without an account number.

So I can now whack in a couple of claims to Halifax but I have a couple of questions for the site team:

Do I need anything else apart from the template letter, calculation spreadsheet and FOS questionaire?

Is there a special PPI claims address for Halifax or should I just use their standard registered office address?

 

Thanks

 

Brett

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The majority of SARs have now been returned and congratulations to Halifax/Bank of Scotland who are the clear winers in providing a bundle several times larger than anyone else and the only bank to send by recorded delivery. Overall, the quality of info provided has certainly improved since my last foray into the murky world of SARs when reclaiming bank charges a few years back.

The PPI content was a litlle dissapointing however with only Halifax coming up trumps with a cedit card PPI cancelled after a year and an amount entitled 'MSF CREDITCARE' of around 12% added to one of my loans which sounds like it could be PPI in disguise.

Still waiting on 2 SARs to come back - LLoyds who returned my original request because it did not have a signature (delaying tactics?) and Lombard aka First tricity Finance aka GE Money aka Santander who seem to have finally got the message after 2 returns that they can delve into their dusty archives for my info without an account number.

So I can now whack in a couple of claims to Halifax but I have a couple of questions for the site team:

Do I need anything else apart from the template letter, calculation spreadsheet and FOS questionaire?

 

Simple letter, spreadsheet and questionnaire is all that is needed

 

Is there a special PPI claims address for Halifax or should I just use their standard registered office address?

 

I tend to use Registered Office although their website may give you a dedicated PPI address. If you , send it recorded.

 

Thanks

 

Brett

 

 

ims

 

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  • 4 weeks later...

Lloyds eventually delivered a chunky SAR bundle which revealed PPI on a credit card opened in 1994 and closed in 2000.

I found the specific claims addresses on their websites with 2 Halifax claims and 1 Lloyds claim now despatched, approx £4000 in total.

I am still pessimistic about any of my claims being successful because they all relate to stuff in the 90s and early 00s which is way out of the bank's and FOS acceptable date ranges but we will wait and see ...

On the Lloyds claim, the SAR could not provide copy statements before 2000 so I have estimated the monthly PPI amount prior to 2000 based on the average PPI showing on the half dozen statements I have after 2000. I am not sure if this is acceptable practice but it was the best I could do with the information available.

 

Lombard aka First tricity Finance aka GE Money aka Santanderlink3.gif have finally admitted defeat on my SAR, returning my request and cheque for a third time. The Information Commisioner is now delving into my request but I am expecting a similar no can do response.

 

Brett

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  • 2 weeks later...

Lloyds initial response has been to dismiss my claim on the grounds that they could find no evidence off PPI in their records, despite PPI premiums showing clearly on the copy statements which I included with the claim. This smacks of the standard first refusal letter tactics employed on bank charge claims a few years back in a vain attempt to deter people from pushing their claims further.

It does not wash with me so the claim has been whacked off to the fossie boys to do their business, hopefully wit a successful outcome.

Halifax have acknowledged receipt and are still deliberating ....

 

Brett

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  • 2 months later...

Halifax Town 2 Lloyds Wanderers 0

 

Fair play to the Halifax boys who have not only accepted both of my claims but are paying almost double the amounts I claimed using the standard loan and credit card spreadsheets, around £2.5K in total - Result !!!

One cheque already received and the other on it's way ....

 

What a difference to their brothers at Lloyds who have already kicked my claim with equal merit into touch and left poor under pressure referee, Mr FOS, to think about showing them the red card sometime next year.

 

Brett

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Halifax Town 2 Lloyds Wanderers 0

 

Fair play to the Halifax boys who have not only accepted both of my claims but are paying almost double the amounts I claimed using the standard loan and credit card spreadsheets, around £2.5K in total - Result !!!

One cheque already received and the other on it's way ....

 

What a difference to their brothers at Lloyds who have already kicked my claim with equal merit into touch and left poor under pressure referee, Mr FOS, to think about showing them the red card sometime next year.

 

Brett

 

Nice one Brett :-). Well done.

 

Mike

 

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