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    • lookforinfo, correct me if I'm wrong but isn't that just related to official civil enforcement officers, i.e.  Council Traffic Wardens,  who are employed by an enforcement authority. That is local councils for instance or a private company employed by a council.   PCM are a private company trying to obtain payment from a speculative invoice and have no authority to issue PCN's.        
    • can i use this......   No legitimate interest in enforcing a charge – One of the key points from the Beavis case was that the charge was necessary to deter overstaying; if they did not issue penalties then the car park would be unfairly used. The flip side of this is that if there were no legitimate interest, then the charge would be an unenforceable penalty… The following are examples of charges that are arguably therefore penalties: Parking in a space you own but forgetting to display your permit Entering an incorrect VRN into a terminal Underpaying in a car park where by paying the vehicle is fully entitled to be there Parking outside a bay when no other cars are stopped from parking
    • You said to stop paying od/current acc debts. Are they not likely to take any action. And should I send sar requests to both the original creditor and the dca 
    • I, **** **** am the Defendant in this claim.    I was the registered keeper of vehicle registration number ******.   A parking ticket was purchased. (Exhibit A1)   I parked in what I believed to be a parking bay. (Exhibit A2)   I returned to my car to find a PCN attached to the window. (Exhibit A3)   I returned to the site several weeks later as I had been advised to take pictures of the signage, I found the space where I had been parked to now have been clearly marked with yellow paint. (Exhibit A4)   The sign closest to where my vehicle was parked note the small black font for the penalty charge details. (Exhibit A5)     PREAMBLE   Any evidence to my statement will be referred to the attached documents as Exhibit A1, Exhibit A2 and so on.   The ISSUES   9.    It is denied that the Defendant breached any of the claimant's purported contractual terms, whether express, implied, or by conduct.   10. I parked in what I believed to be a parking bay (Exhibit A2) I had no reason to believe it was anything other than a parking bay.   11. The yellow lines were painted over the bay later (Exhibit A4) clearly if those yellow lines were present the day, I received the PCN, I would have parked elsewhere.   It is also disputed that the Claimants signage erected with the car park is of a large enough font and displayed adequately for patrons to read thoroughly. The £100 penalty charge is not highlighted in large enough font to be immediately noticeable, and it is unclear as to when this applies. (Exhibit A5)   13. Further, it is denied that the claimant's signage sets out the terms in a sufficiently clear manner which would be capable of binding any reasonable person reading them. They merely state that vehicles must be parked within the allocated parking bay, giving no definition of the term ‘allocated parking bay’', nor indicating which bays are allocated to whom.   14. There is no loss incurred by PPS Ltd, I purchased a ticket (Exhibit A1) I was not obstructing anyone, I left well before my ticket expiry.   15. The Defendant has the reasonable belief that the Claimant has not incurred £60 costs to pursue an alleged £100 debt. The Protection of Freedoms Act 2012, in Schedule 4, Para 4(5) states that the maximum sum that may be recovered from the keeper is the charge stated on the Notice to Keeper, in this case £100. The extra, additional costs are an attempt at double recovery.   16. The Claimant is put to strict proof that it has sufficient interest in the land or that there are specific terms in its contract to bring an action on its own behalf. As a third-party agent, the Claimant may not pursue any charge, unless specifically authorised by the principal. The Defendant has the reasonable belief that the Claimant does not have the authority to issue charges on this land in their own name, and that they have no right to bring any action regarding this claim.   17. In summary, the Claimant's particulars disclose no legal basis for the sum claimed, and the Court is invited to dismiss the claim in its entirety.  
    • dx Is this okay? have to submit in the next 10 minuets   Tommy2000
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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A few years ago i took out a BHS store which was financed i think by GE bank the account is now closed and i have no paper work with any account details how can i obtain these and start a ppi claim?

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How long ago are we talking?

 

Santander took over a lot of store card stuff if I remember correctly.

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You could try a SAR to GE but they may not have data going back beyond six years ( or at least claim they don't have it).

 

If the account was closed more than six years ago then all data may well have been destroyed.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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  • 1 year later...

A number of years ago I had a BHS sore card issued by a bank based in Leeds ,how can I find out the name of the bank , my account number and how far back can I claim back PPI payments

I do not have any account details, the account ran for a couple of years then I cancelled the card

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