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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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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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Big Fight With NAT WEST ***WON***


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And look what I've turned into now - a giant, flesh-eating praying mantis!

You must be very proud of me!!

:D:D:D:D

 

A very busy couple of days. I shall resume interventions and contributions at the weekend. Unless something really gets my goat.!

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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So what will become of their new tactics, perhaps the banks will try and use these figures to calculate early settlement offers. We already know the credit card companies are making offers of "the difference between the charges incurred on the account and the new OFT ruling of £12 maximum charge". It wouldn't suprise me in the least if the institutions started refuting to making offers of "the difference between charges incurred on the account and what is deemed to be the maximum allowable charge of £4.50", and then trying to use the arguement as stated on T.V.
Good point, they could see this as a viable tactic.

 

The response of course will be "prove it" (by showing us a cost breakdown detailing the actual cost incurred by processing a penalty charge on an account).

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god why do i always miss the best things???? Deller my crystal ball sees you shopping very very soon.....

 

I think it'll be in the Jan sales though.

 

And Dellar bless you - you too were so young once!!!!

 

My babies - all grown up!!!!!

 

:D

 

Awwwwwwwwwwwwwwwww

 

(sob sob)

 

 

Take it, Im still a grasshopper too....... woo hooo.... sorry Deller

 

"bless"

 

 

Innocent :) :) :p:) :)

 

Don't worry Innocent you will soon be there too.

 

And look what I've turned into now - a giant, flesh-eating praying mantis!

You must be very proud of me!!

 

 

 

So what's on the menu today then??

 

Good point, they could see this as a viable tactic.

 

The response of course will be "prove it" (by showing us a cost breakdown detailing the actual cost incurred by processing a penalty charge on an account).

 

Which is again something they will not want to do.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Where did the price £2.50 to £4.50 com from? If that is at todays rate then it should have been less 6 years ago?

Allocation Questionnaire Received 13-Dec-2006

My Reply To Cobbetts CPR Part 18 Request

10-Dec-2006

Cobbetts Defence 06-Dec-06

Money Claim OnLine 02-Nov-2006 Claim 6QZ79675

Natwest Reply 'Bring It On' 10-Oct-2006

Letter Before Action 06-Oct-2006

Natwest FIRST Reply 04-Oct-2006! They beieve thire CHARGES fair according to their tariff

Third Request to Natwest 28-Sept-2006

Second Request to NatWest 05-Sep-2006

First Request to NatWest 18-Aug-2006

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Well guess what? Received Cobbets defence this morning. I have quickly scanned through it as I am on my way to work. Basically, it says usual stuff about not having a list of the charges, BUT goes on the quote from the Goods and Services Act, and refers to the charges as a "service" AND asks me to prove what they should be if I consider them to be unfair!

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Where did the price £2.50 to £4.50 com from? If that is at todays rate then it should have been less 6 years ago?
From the BBC money programme article:

 

We asked two professors of banking and a former NatWest executive to estimate the banks' costs.

 

The highest figure they concluded that banks could justify was £4.50 - much lower than what the banks currently charge.

I guess £2.50 was mentioned in the programme last night (which I missed).
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"So what's on the menu today then??"

Joyce Tudor, who STILL hasn't sent me the statements for my loan a/c, nor the notes from the CRM file at Bristol Lending Centre.

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Well guess what? Received Cobbets defence this morning. I have quickly scanned through it as I am on my way to work. Basically, it says usual stuff about not having a list of the charges, BUT goes on the quote from the Goods and Services Act, and refers to the charges as a "service" AND asks me to prove what they should be if I consider them to be unfair!

 

It is down to the bank to prove that these are reasonable charges, not you.

I can't believe they've got the nerve to imply that this is a service fee, just what sort of service do they mean.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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"Where did the price £2.50 to £4.50 com from? If that is at todays rate then it should have been less 6 years ago?"

Probably not much different, except for postage. Once you've automated something - which the banks did to their processes in the 1980s and 90s - the cost is pretty constant.

You have to go back to the days of manually-printed cheque books, phone calls when a cheque that would take you over your limit was presented, and personally-signed summonses from the branch manager to find anything that resembled the costs they charged.

W

  • Haha 1

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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"It is down to the bank to prove that these are reasonable charges, not you." Correctamundo, Deller!

 

Keep this handy, just in case. I used it in my full POC:

 

"To the extent that they may be found to be so incorporated and therefore form part of the contract between the Claimant and the Defendant the Claimant avers that the items referred to in such leaflets do not constitute service charges but punitive penalty or default charges for acts of default. Further the Claimant contends that these show that the Defendant has structured the Claimant’s accounts in order to present events of default spuriously as additional services for which a charge may be made and that any purported fees for “services” or “additional services” are no more than disguised penalties. The Claimant avers that no additional services are supplied by the Defendant in relation to acts of default or at all."

 

The 'leaflets' referred to are the ones setting out charges. But I like 'spuriously'. I really like it a lot.:D

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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I do think the the banks however will start to use this so called "Services Fee" idea in there defences a lot more now, especially after the BBC2 programme the other night. What we must all remember is that this is just their approach to disguising the matter as Westy has so rightly pointed out.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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They can disguise what they want but at the end of the day, it will be like putting concealer over a spot, but underneath, the spot is still there, ready to come out..

Deller you replied jan sales to my reply hey that could be a good thing as jan sales tend to have double discount days...

 

T:-D

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What service? Maybe I should ask them if this "service" is optional and if so, I would like to opt out!

 

 

But here's a point to consider...What about all the payments (for these charges) that they've already paid out for?? What, are they going to suddenly start saying it was 'charges' for these people but it's 'services' for all these new claimants??? That can't be right can it?

Surely one just has to quote any case any bank have paid out on and ask why did they pay that person back and not me. After all, I'm claiming for money charged during the same period as all those others you've paid money back to..That'll be my defence :)

Just hate every DCA out there

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who cares wether they call it a charge or a service, because at the end of the day services would also fall under the laws where no price is agreed at time of contract then it must be resonable, then it would fall back to wether they can justify a charge of £38 for an automated service. so they are stuck either way

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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At the end of the day it's the bank's resposibility to justify the amount of the charge, service fee or whatever else they want to try and call it.

 

Until they stand up in court with an argument which does justify this, then we will all go on to succeed in our claims.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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and that wont happen cause if they lose then they are screwd

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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Don't quite understand this. I wrote a reply to pmhcfc and knightreplica but it has disappeared.

 

FWIW I pointed out that all settlements have been made without admission of liability and as a show of 'goodwill', so they couldn't technically be held up as precedents and that if it is a service charge they can charge what they like as it was agreed to at the time of taking out the contract. As long as we can show it is really a penalty there's no problem.

 

Obviously they'll never get away with that one.

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im sure the courts will see what is happening

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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we need to make sure that everyone knows about this site. once u have been paid out make sure everyone knows about this place.. they will have confidence in it when they know someone it worked for

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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Received in yesterday's post was a General Form of Judgement or Order.

 

It reads as follows:-

 

Before DISTRICT JUDGE WATSON sitting at Bristol County Court

 

Upon considering the defence filed by the Defendant

 

IT IS ORDERED THAT

 

Apart from paragraph 5 of the defence (The Claimant is time-barred from bringing a claim of unauthorised bank charges prior to 2nd October 2000 by the provisions of section 5 of the Limitation Act 1980), the defence is struck out on the grounds that it fails to disclose full particulars of a defence. Unless by 4.00pm on 3rd January 2007 the Defendant files and serves a further defence that discloses full particulars of the defence, the Claimant may enter judgement for the sums claimed in respect of the period after 2nd October 2000.

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

 

Well somehow I can't see them meeting this deadline. :D

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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This is just a farce. They drag the claim out for several months and then use the Limitation Act to get out of paying the first couple of months charges when in fact, these charges were well within the Limitation Act when you started your claim! They are just using the system to their advantage. Cant you argue this point with the court?

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