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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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Dave takes on the Halifax *** WON ***


Sledge
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up till court i would amend the schedule and then submit it to the court with the 8% on it and whenever you send the schedule into the court or defendant through the court process, leave it set to the date you sent it to the court, don't change the date. They will know they must pay you the interest still as it is indicated in the claim particulars.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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what do you mean? I have done an additional schedule of charges. I was going to send this off today? Or is what you are saying to wait till the next step and bring it to the courts attention?

 

Edit:spelling!!

Request for statements sent 19/10/06

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What i mean is if they add charges on the whole way through then just update your schedule but the moment you get into court stages freeze it. E.g it totals £2500 with interest and then two weeks later the court ask for a schedule for whatever reason and including interest it totals £2520, send them the original spreadsheet from the day you submitted the claim, don't update it or add any other charges to it. They will know the interest has been added.

 

if you get what i mean.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Right, thats the second half of my LBA sent off today. Going to send off my LBA for our joint account tomorrow :S

Also tomorrow, i will put a bullet pointed breakdown of events.....should be easier to follow that way!

Request for statements sent 19/10/06

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Me again! A bit later than promised but i managed to post my LBA for our joint aco**** today!!!

Here is a breakdown of events so far:

19th Oct-S.A.R - (Subject Access Request) sent off for my account...recieved on the 20th

19th Nov-After recieving 6 years of statements sent of my request for refundof £1290 inc interest.

24th Nov-got letter stating they have recieved request and have handed it to customer relations.

23rd Nov-Recieved 17 years worth of statements for my account along with statements for our joint account!

23rd Nov-Sent off request for refund for my account dating from 93-98 an additional £2642 inc interest.

28th Nov-sent off request for our joint account ref refund of charges £1803 inc interest.

 

 

That should make it easier to follow :)

 

I am still a tad concerned about the 13 years i am claiming for with my account! I think i may blow the whole thing...i know the judge (from what i have read) only sees the charges in the last 6 years....what do you think the Halifax is going to do with 13 years worth? Do you honestly think i stand a chance or are you allw aiting for me to take the plunge to see what happens? I dont mind being the guinea pig but i would like to hear some honest responses from you :)

 

Thankyou in advance.

 

p.s. Where do i start when putting together a case for the court? Never been to court before and i am nervous as hell!!!! What argument can i come up with for thirteen years of charges?

I am not good with big legal type words and all that. I guess i will recieve the help i need when the time comes though.

Request for statements sent 19/10/06

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Hiya Sledge,

 

Don't worry about going to court too much - you are unlikely to have to show up as they should settle with you well before it gets to that stage. You can even submit your forms online at www.moneyclaim.gov.uk so you don't even have to go in to submit the paperwork.

 

Also, no need to worry about jargon and wprs to use as there is a template for basic claims on here and someone will help you reword it if you require any amendments :)

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

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Thanks sarah,

 

i just noticed my total amount of charges including interest are over five grand!!! This changes things a bit....doesnt it?? Or am i okay because i have two accounts to claim for...ie do i submit them as two claims???

Request for statements sent 19/10/06

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just a thought - I had to chase halifax several times to make sure I got the statements from both my accounts. It's as if one person can only work one account. May be worth checking that they have your request for the statements on the other bank account. I did this over the phone!

Halifax have offered me a figure a lot less than what I was asking. I have declined thier offer and now they have written to tell me they aren't going to pay any of the refund. I have had a lot of bad service from Halifax so am going to keep fighting the battle. Court here I come!!!!:D

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Me again! A bit later than promised but i managed to post my LBA for our joint aco**** today!!!

Here is a breakdown of events so far:

19th Oct-S.A.R - (Subject Access Request) sent off for my account...recieved on the 20th

19th Nov-After recieving 6 years of statements sent of my request for refundof £1290 inc interest.

24th Nov-got letter stating they have recieved request and have handed it to customer relations.

23rd Nov-Recieved 17 years worth of statements for my account along with statements for our joint account!

23rd Nov-Sent off request for refund for my account dating from 93-98 an additional £2642 inc interest.

28th Nov-sent off request for our joint account ref refund of charges £1803 inc interest.

 

 

That should make it easier to follow :)

 

I am still a tad concerned about the 13 years i am claiming for with my account! I think i may blow the whole thing...i know the judge (from what i have read) only sees the charges in the last 6 years....what do you think the Halifax is going to do with 13 years worth? Do you honestly think i stand a chance or are you allw aiting for me to take the plunge to see what happens? I dont mind being the guinea pig but i would like to hear some honest responses from you :)

 

Thankyou in advance.

 

p.s. Where do i start when putting together a case for the court? Never been to court before and i am nervous as hell!!!! What argument can i come up with for thirteen years of charges?

I am not good with big legal type words and all that. I guess i will recieve the help i need when the time comes though.

 

hi Dave,

I'm no expert at this, but have you thought of doing 3 claims, one for your account last 6 years, one for the previous 7 years, and another one for the joint account?

 

It might be alot of bother that way but at least if you don't win the one for the 90s because of statute barring or something like that, you won't jeopardise the others?

 

I think you need to do the joint account and single account seperately anyway. Also, I think you want to keep the claims under £5,000 for them to be in the small claims court

 

just a suggestion, hope it helps, I'm no expert just been reading alot on here!

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Apple x

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Thankyou apple :) I too have read all over this site...for some reason it manages to cloud you when it comes down to yourself!! I think that is the best thing to do.

 

UPDATE! Halifax phoned me today....offered me £233 as full and final settlement. I told them i would accept but not as full and final and would persue the rest in court.

 

They are sending me a confirmation letter. So, when i get this letter, is it time for the court thingy?

Request for statements sent 19/10/06

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Well the call centre is based in Ireland! Nice try dont think so. I have done claim for my platinum credit card v them and waiting for the stats on the current account to pursue that next

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Recieved my letter this morning ref my account over the last six years. I refused payment etc etc...even though i stated that i refuse as full and final! ho-hum!

I take it now it is time for the letter before action to give them a further 14 days?

Request for statements sent 19/10/06

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Stick to the critria then you cant be criticised. 14 days IR 14 days LBA then 14 days MCOL

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HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Jayne is right,

Stick to your time-table, you are on the right track, your LBA is due to go for Monday, so get working on that over the weekend, ready to post on Monday

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Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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  • 2 weeks later...

got phone call this morning from Halifax, ref joint account. They offered me 800 quid initially then upped it to a grand as full and final settlement. I will await their confirmation letter then send off y LBA. On 18th Dec the 14 days are up for my acount. Then it is time to part with £120 for court costs :) Is it easier to do it online or just go into my local county court?

Request for statements sent 19/10/06

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Recieved another phone call this afternoon....the wifes account! Would you believe they offered her full settlement!!400 quid! Nice one, she is happy :)

 

Thankyou halifax hello christmas!!!

Request for statements sent 19/10/06

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got two letters today. Wife account settled in full, and our joint account....settled in full :D:D:D

 

now for my account. Today is their time up for the court proceedings. I phoned the halifax reference my account between 93 and 98, they said the reasion i havent heard anything about this is because they will not go back further than six years.

 

So looks like i have come to a dead end on that one...Or has it?? Advise please!!

Now to start on the court thingy....i may need some help.

 

Where to start :S

Edit: This is my MCOL form.....this okay to go??

 

1.The Claimant has an account (EDIT!) with

the Defendant, opened August 1989 2. Since

30/11/2000 the Defendant debited charges and

interest in respect of purported breaches of

contract. 3. Defendant is aware of all

details as a list of charges has already been

supplied. Another copy will be sent. 4.

Claimant contends: (a) The charges exceed the

Defendant's losses caused by the breaches;

(b) The Term permitting the Defendant to levy

such charges is unenforceable under the

Unfair Terms in Consumer Contracts

Regulations 1999, Unfair Contract Terms Act

1977 and at Common Law. 5. Claimant claims:

(a) return of the amounts debited of

£1044.00; (b)The claimant claims interest

under section 69 of the County Courts Act

1984 at the rate of 8% a year from 30/11/2000

to 18/12/2006 of £247.95 and also interest at

the same rate up to the date of judgment or

earlier payment at a daily rate of 0.28p. 6.

Alternatively, if the charges

are a fee for a service, then they must be

reasonable under S.15 of the Supply of Goods

and Services Act 1982. 7. Costs allowed by

the Court.

Request for statements sent 19/10/06

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Im waiting for a reply to your post withy interest Sledge as I have submitted a claim for OH going back to 1992. I know Bong has claimed for a longer period than 6 years could you PM her & ask her to look at your thread & reply on the thread so we could all see?

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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got two letters today. Wife account settled in full, and our joint account....settled in full :D:D:D

 

now for my account. Today is their time up for the court proceedings. I phoned the halifax reference my account between 93 and 98, they said the reasion i havent heard anything about this is because they will not go back further than six years.

 

So looks like i have come to a dead end on that one...Or has it?? Advise please!!

Now to start on the court thingy....i may need some help.

 

Where to start :S

Edit: This is my MCOL form.....this okay to go??

 

1.The Claimant has an account (EDIT!) with

the Defendant, opened August 1989 2. Since

30/11/2000 the Defendant debited charges and

interest in respect of purported breaches of

contract. 3. Defendant is aware of all

details as a list of charges has already been

supplied. Another copy will be sent. 4.

Claimant contends: (a) The charges exceed the

Defendant's losses caused by the breaches;

(b) The Term permitting the Defendant to levy

such charges is unenforceable under the

Unfair Terms in Consumer Contracts

Regulations 1999, Unfair Contract Terms Act

1977 and at Common Law. 5. Claimant claims:

(a) return of the amounts debited of

£1044.00; (b)The claimant claims interest

under section 69 of the County Courts Act

1984 at the rate of 8% a year from 30/11/2000

to 18/12/2006 of £247.95 and also interest at

the same rate up to the date of judgment or

earlier payment at a daily rate of 0.28p. 6.

Alternatively, if the charges

are a fee for a service, then they must be

reasonable under S.15 of the Supply of Goods

and Services Act 1982. 7. Costs allowed by

the Court.

 

Ok you need to read these threads regarding claims going back more than 6 years. Also you need to read the Limitation Act 1980. YOu must be aware of the process before you start and MCOL will not do for this you will need to use the N1.

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/37418-claiming-1991-2000-fight.html

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/10582-mcuth-rbos.html?highlight=mcuth

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