Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Barclaycard (Egg) CCA not supplied Dispute letter not received.


Guest shambhala
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3746 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Guest shambhala

Hi,

 

Requested CCA and SAR from Barclaycard late March 2012

Received reply seven days later saying they are dealing with my request for CCA

Then received SAR response, 6 years of minimal info copy statements with nothing else.

 

Sent follow up letter Re no CCA , "account in dispute" second week of May, this letter was sent recorded delivery, First Class, along with duplicate standard First Class letter, both to the same address as the initial CCA request. Royal mail tracking states recorded item being "processed through the system".. sent it to :

P.O. Box 9131

51 Saffron Road

LE18 9DE

 

Have received nothing more in reply to initial CCA request from Barclaycard since.

 

I'll follow up with Royal Mail Re pocessing letter, to move it on, are these actions feasible :

 

1. Send another recorded letter to address on Barclaycards letter of acknowledging the receipt of CCA request, stating the account in dispute.

2. Send notice of failure to comply with SAR/DPA request and begin a court claim with a complaint to Information commisioner to get the full information.

 

My credit reference file shows the account is in arrears, nothing else.

 

I have an agreement to make a monthly token payment which I made with Egg. Should I continue to make the token payment, and how do I deal with the SAR failure (as I want to reclaim charges from when the account began) ?

Link to post
Share on other sites

You need to complete a claim from from Royal Mail for the missing/undelivered letter.

 

You have paid for a service which has not been fulfilled.

 

You should never send a tracked letter to a PO box. Barclayshark and Santander appear to have the highest amount of missing letters, it seems very odd that these are never returned to the sender!!

 

I dont recognise that address for B/shark are you sure it is correct ?

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Either of the following addresses can be used.

 

 

Barclaycard

1234 Pavillion Drive

Northampton

NN4 7SG

Registered Address

C/O Barclays Bank Plc

1 Churchill Place

London

E14 5HP

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hi Shanmbhala and welcome to CAG

 

The Leicester address should work ok for communicating with BC although the PO Box address may be the reason your post was not signed for.

 

Re the failure to respond to your CCA request, just write confirming that you consider the a/c to be in dispute due to their failure to reply as required. However, in the long term, this matter is only likely to affect whether they can take court action to recover from you and that's probably a long way off. If you maintain the payments to them as per your agreement with Egg, BC will probably want to review this in due course.

 

You say you want to reclaim charges. Are you referring to PPI or Default Charges, or both.

 

Do the statements they have provided give you dates and amounts that you need to reclaim.

 

:-)

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 OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

Guest shambhala

Thanks for the addresses.

I'll send the "account in dispute" letter again to to the Northampton address.

I will follow up with Royal Mail and update the thread with the reasons Royal Mail provide for not delivering the mail or returning it.

Link to post
Share on other sites

Hi Shambhala,

 

You haven't said if you're claiming back PPI, Default Charges or both.

 

:wink:

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 OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

Guest shambhala

Hi Slick, thanks for advising.

 

I'm not claiming PPI, I'd like to claim all charges from when the first account began, which is more than six years ago.

 

The six years of copy statements provided do have a payment amount and a date (without the year). The copy statements are literally a third of a page of A4 each. They do have note of charges i.e. unpaid DD fee, so I can work with that for a claim.

 

I need information beyond the previous six years and also the other notes against the account to establish the facts before claiming. Given that information paid for under the DPA has not been provided, it seems essentially that I'll need to make a claim in court to force Barclays to provide it, or not !

 

I've seen some letters to credit card companies stating "account in dispute" including payment stopped, given failure to provide any CCA and a proper response to SAR, is that my best next step ?

 

Sorry for being verbose & thanks again.

Link to post
Share on other sites

Thanks for the further info.

 

Some CAGgers have been successful in getting older data from BC. See these threads :-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?206050-Webby-v-Barclaycard-**WON-with-CCI-and-Older-Charges**

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?286215-Barclays-want-to-start-court-action-help-please!&p=3219188&viewfull=1#post3219188

 

Also, read some of the BC **WON with compound or contractual Interest** threads here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Can you recall roughly how long ago the a/c was opened.

 

:-)

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 OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

  • 1 year later...
Guest shambhala

Hello nearly two years later..

 

Thanks for your insight and advice at a tricky time for me.

 

Barclays have decided to pursue the debt after the initial outcome during summer 2012 stating that because Barclays were unable to comply with section 78 that the debt was currently unenforceable, however they stated they retained their rights under the agreement.

 

2012 letters re unenforceable attached

 

I'm attaching the 2014 letters asking Re payment in a seperate post because I'm not sure how to seperate groups of attachements in a post, doh !

Link to post
Share on other sites

Guest shambhala

[ATTACH=CONFIG]49412[/ATTACH][ATTACH=CONFIG]49413[/ATTACH]

 

O.K.

 

Attached are

 

1. Current demand for payment 2014

2 Statement that Credit reference file will be postdated with negative entries by Barclays against the account.

 

Re 1. Barclays have not stated that they have a valid credit agreement.

Re 2. Barclays have been making negative entries on the account (entering a 6 rating monthly on the account consistently since I stopped being able to pay).

 

I also wrote to Barclays in 2012 following their admission that they have no agreement stating clearly that pursuing payment or making negtive entries on my credit record would be unacceptable based on the facts and because of that be considered harassment by me.

 

I intend to reply to Barclays quoting their previous 2012 letters and pointing out they have continued to make credit scoring entries asking for them to cease their action and to make proper remedy for their failure if they cannot provide grounds which justify their latest demand and threat - does this seem a proper course of action.. or am I missing something ?

Link to post
Share on other sites

all the lack of s78 compliance means is they are unable to obtain a ccj until they remedy. They are still able to report your ac as defaulted and request payment

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

Guest shambhala

Hi, thanks,

 

Is there any action I can take to prevent them making requests for payment ? I have no care whatsoever for the credit score aspect.

 

From my perspective it seems unreasonable that a request for payment can be made without grounds to base the request on particularly when the organisation making the request has formally acknowledged they have no grounds..

 

It seems like I'm missing some relevant point here..

Link to post
Share on other sites

not really, they are entitled to request, you must decide whether to ignore such requests until such time as they either find your agreement or the ac becomes SB. If they did issue proceedings against you, s78(6) would be your defence until such time as they can comply with your request

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

Guest shambhala

If I make any response does it weaken my defence if they somehow produce an agreement ?

 

Is there any response that will stregthen any future defense ?

 

Also, I'm curious if there is any provision in law that entitles an organisation to harass an individual for payment when no contract is evident ? Or any provision in law that provides remedy to an individual harassed in such circumstances ?

Edited by shambhala
Add question to clarify.
Link to post
Share on other sites

Hi Sham,

 

Did you get any older data from BC or not.

 

Did you reclaim penalty charges from them two years back. If not, now may be a good time to do so.

 

If the balance consists partly or wholly of unlawful penalty charges, you could challenge adverse data on your credit files on the basis that the charges are unlawful and the data is inaccurate.

 

:-)

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 OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

Guest shambhala

Thanks Slick,

 

Didn't get older data from BC and haven't pursued reclaiming charges.

 

The balance is partly made up of unlawful charges, my question is that if I enter into an attempt to reclaim the unlawful charges does that mean in law that I am acknowledging the debt, which in turn may harm a future defence ? :!:

Link to post
Share on other sites

Hi Shamb,

 

If you just use the data that you have already and forget the older data, how much could you reclaim in penalty charges and compound restitutionary interest.

 

Use a compound interest spreadsheet and a rate of 24.9%.

 

Let us know how the penalties and interest total compares with the a/c balance.

 

:-)

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 OTHERS

 

                                            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 !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...