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    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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Who can access bank accounts?


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Hi,

I have a question which has been bugging me for a few weeks now and I hope someone can help......

 

My son is in the Royal Navy and lives on base in Devonport. He has started seeing a girl from his home town and goes up there most weekends to see her. He stays there usually Friday and Saturday nights.

 

She is a single parent and in receipt of benefits. However he in no way contributes to her household.

 

Unfortunately, someone decided to inform the Housing Benefits that she had a partner living with her (untrue) and she was called in for an Interview under Caution.

She had a solicitor, who apparently told her they were just fishing, but someone who knew them well must have informed them as they new a lot of details regarding my son.

 

What I don't understand is, the Officers at the Housing office had copies of my SON's Bank Statements??? And were asking questions such as ......James spent £20 at KFC on such a date, did you go with him? etc...

 

I totally agree that any type of fraud is wrong.

 

What I can't get my head around is, of course I would expect them to have her bank statements etc as she is the one under investigation. But how did they get my son's statements? They are not linked in any way.

 

To be honest I'm a bit suspicious with regards to my son's girlfriend, but then I suppose you could put that down to being a Mom.

 

Any help, or answers would be more than welcome.

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The DWP and HMRC have wide powers of investigation now and aaccessing bank accounts and credit reference agencies is just part of this as is the use of debt collecting and tracing agencies from the private sector.

 

Coniff is absolutely right RNLS will help here, a servicemans data should not be randomly accessed in a situation like this.

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This is disturbing, I mean, accessing a credit file is one thing, but bank statements is another thing entirely. Do they need a warrant to access this information?

 

And since when has going out to KFC been evidence of living together.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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No they don't just supposedly reasonable sus.

 

And who decides the reasonable suspicion? Them I suppose. This is really, really bad. It allows fishing expeditions where there may be no other evidence than a less than credible source. so hypothetically in this case (not knowing all the details), the investigating team receive a tip off that a benefit claimant may be living with someone who they have not declared. They investigate, maybe pull credit files and there is nothing on there to prove anything, so they get the bank statements of the suspected partner, and interrogate the claimant about entries on the bank statements, hoping to get an admission under caution that they can twist to suit their purposes.

 

Bank statements are private, and in my opinion should remain so unless a judge decides there is sufficient cause for them to be provided for a person who is not involved in the benefit claim. The person who's beneft claim it is can be compelled to provide bank statements under terms of claiming the benefit.

 

Who regulates these people? Who makes sure that there is reasonable cause in these cases for procuring private documents? The OP's son has committed no crime, is not accused of committing a crime, is not under investigation for fraud - the claimant is.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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All the civil servants and ''private sector partners'' involved in the collection of ''Goverment Debt'' are signatories to the Official Secrets Act and are subject to the DPA and are audited by their departments.

This has come about because of the huge volume of fraud, and non payment of social fund loans and this all is under the ''control'' of the Minister for Welfare Reform at the DWP.

 

There may be suspicions that there is involvement so an investigation has been started.

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All the civil servants and ''private sector partners'' involved in the collection of ''Goverment Debt'' are signatories to the Official Secrets Act and are subject to the DPA and are audited by their departments.

This has come about because of the huge volume of fraud, and non payment of social fund loans and this all is under the ''control'' of the Minister for Welfare Reform at the DWP.

 

There may be suspicions that there is involvement so an investigation has been started.

 

Yes, I understand what has happened, I'm just lamenting that it CAN happen.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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The Operational Intelligence Unit obtains bank statements on behalf of the investigator, but in order to receive an alleged partners bank statements there must be a good reason & a genuine link.

 

For it to have been a fishing exercise there would have been no link & the investigators request (which is quite detailed) would have been turned down.

 

I think we are only getting part of the story here.

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As said this has been brought on by the uncontrolled fraud and non repayment of loans and overpayments.

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how did they get all his details, like his surname etc? this all sounds a bit sus to me

It is reatively easy for anyone to be traced by a Govenment department.

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Okay, so the gf is claiming on the basis of being a single parent.

 

However, she has a significant other in full time employment, who stops most weekends and is away working during the week? To be honest, she is already ticking some of the boxes for a LT (living together) decision.

 

Local Authorities cannot just obtain bank statements for any old Tom Dick or Harry.

 

They do have strong investigation powers, however they can only use these where there is sufficient grounds to warrant a fraud investigation and the powers should only be used where all reasonable alternatives have been exhausted.

If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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No they don't just supposedly reasonable sus.

 

As said this has been brought on by the uncontrolled fraud and non repayment of loans and overpayments.

 

It is relatively easy for anyone to be traced by a Government department.

 

Where do you get All this nonsense from ?

 

I was under the impression that a court order is still needed in the UK from a Judge to access personal bank accounts !

 

and not just any old Tom,Dick or Harry accessing personal bank account details......

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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I think if you are claiming any sort of benefit the DWP can access any bank accounts in your name, and they can cross reference with HMRC etc, but if the OP's son is in the Navy, and not actually living with the gf, and has no connection to the address financially, then how did they get his information (surname etc), if she was reported to the DWP it must have been by someone very close to her. xx

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this is extremely worrying...are we all now to be expected to vet any and all future partners, before we take them out for say a meal and a drink.....as to them accessing someones bank details, especially when they are not the claimant is horrific, i would if i was you take proper legal advice, this country is getting more like a police state day by day....they have absolutely no right to access his account, though i am not surprised to hear it...

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Where do you get All this nonsense from ?

 

I was under the impression that a court order is still needed in the UK from a Judge to access personal bank accounts !

 

and not just any old Tom,Dick or Harry accessing personal bank account details......

1

 

All this NONSENCE comes from experience and contact with a Minsiter of State at the DWP, if you wish to make this kind of remark I suugest you do as I have spend 3 years resarching the new approach the DWP and other departments use to collect debt and to counter fraud.

Your ''impression'' is also wrong!!!

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I fear that brig is right.....all done in the name of reducing fraud.....even so, accessing someones bank account without informing them, when they are not the claimant is taking it a bit far...everything this govt does is all done in the name of 'fairness'

eg is it fair to leave someone who is disabled on benefits?

is it fair that hard working tax payers have to keep paying for feckless unemployed?

and i am sure we all have a million more examples....but police state, where your every move is watched and monitored is getting closer day by day if not already here

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Yes the result of the last Government giving any organisation that has some ''authority'' to use certain acts to pry into anyone life and private businees.!!!

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to be honest brig.. i am not much interested which govt brought it in....labour or condem...they are all in league with each other....the whole bloody lot of em deserve nothing less than stringing up....the next election is gonna be interesting!!!

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1

 

All this NONSENCE comes from experience and contact with a Minister of State at the DWP, if you wish to make this kind of remark I suggest you do as I have spend 3 years researching the new approach the DWP and other departments use to collect debt and to counter fraud.

Your ''impression'' is also wrong!!!

 

Really !

 

Yes the result of the last Government giving any organisation that has some ''authority'' to use certain acts to pry into anyone life and private business.!!!

 

More nonsense then !

 

So you had a cup of tea with a minster.

 

Which acts of parliaments and section, allow any Tom,Dick or Harry to access personal bank accounts without a warrant from a Judge...

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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The relevant Act is the Social Security Fraud Act. It does not allow any Tom, Dick or Harry to access someone's bank account but commands that banks must share information with Authorised Officers (in certain circumstances).

 

If you submit a claim to the DWP, the person who processes your claim has no access to your bank account information without you providing it to them; a benefit processor will never be given access to your accounts nor the authorisation to demand that the bank provide it, to allow this level of access to processing staff would be a huge security risk. If a fraud investigation is underway however, they can use an authorised officer to obtain the information from your bank, as Jabba outlined earlier, no court order is required.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

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The relevant Act is the Social Security Fraud Act. It does not allow any Tom, Dick or Harry to access someone's bank account but commands that banks must share information with Authorised Officers (in certain circumstances).

 

If you submit a claim to the DWP, the person who processes your claim has no access to your bank account information without you providing it to them; a benefit processor will never be given access to your accounts nor the authorisation to demand that the bank provide it, to allow this level of access to processing staff would be a huge security risk. If a fraud investigation is underway however, they can use an authorised officer to obtain the information from your bank, as Jabba outlined earlier, no court order is required.

 

So what was the year of this Act and which section in this act allows to access personal bank account details with out a court order....

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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I would add to Jabba's comments that these Authorised Officer requests are normally made through third parties such as the OIU or NAFN and these third parties will often question the reasons for requests for bank statements. Unless the Authorised Officer can fully justify such requests, they are often refused.

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