Jump to content


  • Tweets

  • Posts

    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
  • 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

Ben vs Halifax.....NO RESPONSE!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6309 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

Hi all, need a bit of advice.

 

Has anyone else found that getting bank statements out of Halifax is like getting blood from a stone....?

 

THE STORY SO FAR.....

 

Wrote Subject Access Request on 18th July 2006.

 

Received letter from Halifax 21st August 2006 apologising that 'you feel you've had to make a complaint (I only asked for a list of charges at this stage!), and given the nature of the complaint your letter will be passed to the customer services dept who will contact you and deal with the complaint henceforth. If I do not hear from you in the next 8 weeks I will assume you are happy with this response'.

 

Not wanting to take any chances, I wrote back on 23rd August 2006 and asked again for the list of charges, as I wasn't sure whether I was actually going to get them or not.

 

Its now 13th October and I haven't heard a peep from Halifax, neither my local branch, where I sent both my letters, or the customer services dept it was being referred to.

 

Question is what do I do now? They've breached the DPA rules by not furnishing me with the info within 40 days, but how can I proceed further when I don't know how much i'm claiming yet? Has anyone else reported a bank to the Information Commissioner for a breach of the act and if so what was involved?

 

Any advice is very gratefully received!

Link to post
Share on other sites

Hi all, need a bit of advice.

 

 

Question is what do I do now? They've breached the Data Protection Act rules by not furnishing me with the info within 40 days, but how can I proceed further when I don't know how much i'm claiming yet? Has anyone else reported a bank to the Information Commissioner for a breach of the act and if so what was involved?

 

Any advice is very gratefully received!

 

Go to the following - will give you loads of advice and template letters to assist you with your next step.

 

navbits_start.gif Consumer Action Group > Libraries - bank charges materials and other issues > Bank Templates Library navbits_finallink.gif Data Protection Act - Non-Compliance - Template Letters

 

Hope this helps :-)

  • Confused 1

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

Link to post
Share on other sites

  • 2 weeks later...

shouldn't be raising a claim yet. I'm yet to see that you've received a full set of transactions and charges. Do you know exactly what is owed? Have you sent a prelim letter, letter before action? Have you notified Halifax of how much they owe you and you intend to claim it back?

 

I think you may be jumping the gun somewhat. Take time to read the FAQs, use the templates and avoid dealing with a local branch. Correspondence is better written to head office.

Regards

 

 

S

 

 

Halifax PLC - £607 - SETTLED IN FULL

Halifax Card Services - £1142 - SETTLED IN FULL

 

MBNA Europe - £842 - SETTLED IN FULL + INTEREST!

Link to post
Share on other sites

Hi

 

Try calling halifax on their normal number 08457 203040 and asking for them over the phone, I did this had to argue the toss for a while but got there in the end they only charge £5 for any amount of statements, I got mine back within 7 days.

 

Also I then sent my Prelim letter to Halifax PLC, PO Box 548, Leeds, LS1 1WU.

 

Don't forget to send anything that you do send to them by recorded delivery.

 

I got my reply from this within 5 days, with an offer of a third of what I am claiming, but I now have a name to go with the letters so all letters from now on will be going to a Doreen Johnson, Review Manager at the Halifax PLC, Leeds.

 

Hope this helps.

 

Good luck ;-)

 

robinson-clan

Link to post
Share on other sites

Thanks, I'll try and answer all the questions, most of the questions I had already answered in my previous posts on this thread. I've written SAR weeks ago (18th July) but don't know how much in charges they owe me as i've never received anything, so I couldn't send a prelim as I had no idea how much to claim. As per advice from Boobaby (above) I wrote an LBA (as per templates) requesting that they furnish me with the information within 7 days, as they have breached the DPA 40-day rule, else I would take action against them. This seven days has now passed. I've sent everything recorded delivery and have proof of delivery as well, from the Royal Mail website. I need to know what action to take from this point as I can't afford to get it wrong! Thank you

Link to post
Share on other sites

If your 7 days has passed with the LBA for Data Protection Act non compliance then you need to issue them with an N1, they are useless with the statement issue, you could try and email mailto:[email protected] first and explain that if you dont get a response you will immediately file in County Court.

 

Read my thread http://www.consumeractiongroup.co.uk/forum/halifax-bank/10610-morgan054-halifax.html as i went throught the same thing

 

Best of Luck

Link to post
Share on other sites

did they cash ur cheque

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Guest bluecloud

It doesn't matter a jot whether the cheque has been cashed.

 

You have sent the SAR and they have failed to comply. You have proof that the letter was received.

 

You have sent a DPA non-compliance LBA and they have still failed to comply.

 

It's now time to file your N1 at court. Look at the following link:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

 

It tells you how to complete the N1 based on non-compliance. You may not get much of a financial award but you will get the filing fee back. As far as I can remember, the fee is £30. If the bank have cashed your cheque then you can claim this back.

 

Should your "main" claim proceed in the same vein, then you would have proof that the bank were being deliverately disruptive and that really doesn't look good for them.

 

 

.

Link to post
Share on other sites

I'm going through the same thing with Halifax although they sent letters to me for my BOS and Halifax accts saying they were being sent under separate cover. My mum got the same for her halifax acct. Received some BOS dating up to 2004 but none from Halifax. I have emailed Kelly Duffus at Halifax as that seemed to work for Aaronsdad so am giving them a couple of extra days before I send off the LBA's. Hopefully they will pull their finger out as lots on at home just now as am starting back at work part time after maternity leave on 13th and still to finalise childcare and transportation! Plus all my other claims that are ongoing. I sent my BOS letters to Rosyth and my Halifax ones to Halifax and received all letters re. SAR's from Halifax office. They really are appaling though.

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

Link to post
Share on other sites

  • 2 weeks later...
  • 4 weeks later...

Have you heard back from them yet????

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Hi sorry been offline for a bit, didn't have to file an N1 I just telephoned them and asked if they had sent them yet, they apologised and said they would send them straight away. They sent me two lots in the end!!

 

I've sent the Prelim off a bit later than i'd planned - Wednesday 13th Dec! Not very organised with Xmas to contend with as well. I'll update when I hear anything!

Link to post
Share on other sites

  • 2 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...