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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX 2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all.   Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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edinburghbeerbucket -v- BoS Card Services


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Was just thinking about my response to their rejection letter, when it comes.

 

The OFT report says:

 

3.18 These benefits may also include those arising out of operating a riskbased pricing policy, that is, offering a higher APR (or a separate product with a higher interest rate) to a particular class of consumers based on an evaluation of their poorer credit risk. Moreover, consumers who default are generally required to pay the full amount of interest due on the outstanding balance. A credit card company should ensure that there is no duplication between such benefits and the money recovered by way of a default charge.

 

Now I've had an APR much higher than their standard rate for some time now. I got the card as a student, so perhaps that has something to do with it.

Anyway, by charging me a higher APR than their standard rate, they have effectively already decided that I am high-risk. Perhaps since I was a student, they assumed that I would miss payment, go over the limit etc.

 

Effectively, they have already pre-estimated their costs.

 

And therefore, when they levy a £25 fine or whatever, they're charging me a second time. A duplicate charge.

 

I plan to work that into my response, anyway.

 

Your thoughts, folks?

edinburghbeerbucket :D

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Amusingly, it's transpired that the same day BoS card services cashed their cheque, my BoS student account was due to have £48 of charges applied. So guess what that means?! Yep, I'm over my overdraft, and next month I'll have at least another £48 of charges!

 

Insanity!

edinburghbeerbucket :D

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  • 4 weeks later...

Well day 40 came and went, so I fired off an email to the guy who helped me out with my bank account SAR.

 

He wrote back and said

"in most instances I would expect such a request to be forwarded to my Dept, but cannot trace this one. Could you let me have the card number and I will arrange for this to be issued urgently"

 

nice one!

 

So, in the future, if you're SAR deadline passes for some reason, fire an email off to [email protected] as he's super-efficient and his department deals with BoS/Halifax/HBOS SARs for at least bank accounts and credit cards. Possibly other products too. :-)

edinburghbeerbucket :D

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  • 2 weeks later...
  • 5 months later...

I've definately dropped the ball on this one..

 

Nov 14 06 - Sent them a request for payment, giving until Dec 7th before court action.

 

I never got a response to this whatsoever, so I've sent them a second letter (with a bunch of other complaints in there) giving until 28th April to refund or I really will sue them for it... fingers crossed!

edinburghbeerbucket :D

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