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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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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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account closed then overdrawn


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My wife had an account with lloydstsb which she closed several months ago with a £0 balance, she surrendered her bank cards and thought that was that. Today she's had a letter saying her account is overdrawn by £265.57!!!

 

It seems there is a £250 overdraft and they want £15.57 to get back within the overdraft limit.

 

The letter goes on to threaten all sorts so she called the number on the letter giving the reference number only to be told that there is no such account, they went on to say that someone would call back to discuss the contents of the letter, needless to say no one rang back.

 

Is it at all possible that they can claim this money from her?

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NEVER EVER RING THESE PEOPLE!

 

Stay OFF the phone!

 

Who sent the letter? LTSB?

 

Forget the contents of their puerile missives, they dream up the contents in their little fantasy world they live in.

 

Keep everything in writing ONLY.

Start by entering the banks complaints procedure first, and check your wifes credit file and see if their is anything on there.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi

It is not unknown for an account to be closed and then a payment or a charge re-opens it but in my opinion, Lloyds should have written to her or carried on sending statements. How on earth is she supposed to know otherwise.

 

I would be complaining and getting the detail of how this account was re-opened.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Yes its TSB headed letter.

 

When she called she was told that the account number given on the letter does not exist so it hasn't been reopened according to that. This is the only letter or contact she has had from them since closing her account.

 

The letter says she will be unable to withdraw money until she pays the £15.57p directly to her branch.

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If the account doesn't exist then how on earth can she pay anything into it to use??

 

Ignore them and lodge that complaint, clearly they have a gremlin in the system and she owes nothing!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Shes had another letter today threatening all sorts because she hasnt been in touch. Anyway she called up again to be told this time that her account wasnt closed properly and some payments went out and because of this, charges were added to her balance. They also said they intend to recover the amount outstanding. So it seems she surrendered her card, cheque book etc and closed the account with a £0 balance, someone didnt do their job properly so British Gas managed to debit some money and now theyre saying shes responsible and added charges for being overdrawn. They stated they will pass it to a debt collector before she put the phone down on them.

The letter says they will reduce the balance if she agrees a payment plan.

 

Any advise plz?

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Yep, the advice is stay OFF the phone.

NEVER talk to them over the phone, whatever they want to say can be committed in writing, UNLESS of course you're recording the calls?

 

Pass it to a DCA all they like, they still won't get paid.

 

Get onto their complaints procedure and exhaust it, then escalate it to the FOS for investigation.

Keep everything in writing,

never discuss this over the phone,

log all calls and silly letters they might send,

and complain to the enth degree, this is their own making.

 

Also keep an eye on your credit file, if any adverse data is placed on their then you may be able ot sue them for defamation.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks BB, as long as we are sure its their fault and we don't have to pay it then she will have the strength to fight it.

 

 

The only problem as I can see is she has no proof that she closed the account, just simply returned everything.

 

 

I will send in a complaint and see what happens.

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Just having a think here.

 

I think BCOBS should come into play here.

 

The account was closed then a payment was made from the closed account re-opening it.

 

Banks have a duty under BCOBS to treat customers fairly so by re-opening tha account and the account incurring charges without notice instead of refusing the DD which would have been fairer, the bank may be in breach of BCOBS.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Yes good point SF, IMO it is definitely the bank at fault here, no grey area, they have messed up, they get to carry the can.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I sent a letter to their collections dept who are sending these letters, it was quite sarcastic but did say "complaint" at the top, I also sent in an online complaint because I couldn't find the address to write to. The online form said they will telephone but they haven't. I told her if they did to ask if it was to say this has all been cancelled and if not then to tell them she's not talking to them and put it in writing then hang up.

 

Today she's had another demand which is exactly the same letter but the amount has gone up, interest I assume.

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Deal with this in writing ONLY, no phone calls nothing.

 

They say they will phone purely to fob you off and say things they would never say were it committed in writing.

 

Lloyds TSB, Customer Services, BX1 1LT. this is the address I found for LTSB, however I am not sure if this is correct regarding the recent breaking up of this bank?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I sent a letter to that address recorded delivery today, am also thinking of calling the FOS as their site says they will contact them on your behalf and make them aware. It seems to me theyre just ignoring us yet find it acceptable to keeps sending the threats and putting the amount owed up.

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She had a letter from TSB today basically saying tough!

They also said it's not their intention to threaten customers, so they threatened solicitors, court, debt collectors etc but they want to "treat customers fairly".

 

The letter said their records don't show that they've made a mistake and that we didn't say which branch she closed the account so they cant check, they didn't ask either.

So she went into a branch, closed the account, was given 6 odd pound balance in cash but they have no record.

They also said she used her card in July to withdraw £15 at Tesco, even though it was a new card which she hadn't activated.

 

I told her to call FOS and let them deal with it, they said even if it goes in the banks favour, the very worst they will do is send it to a debt collector, but they think once the bank finds out we sent it to FOS at a cost of £4-500 they will drop it just to try and recover £265.

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Well you have attempted to sort it out with the bank, they have refused/ignored any attempt to settle this amicably, therefore the only recourse open now is to pass it to the FOS.

BUT, I wouldn't hold out much hope as the FOS and the corrupt banking industry appear to be hand in glove, so don't be at all surprised when they find in the banks favour!

 

However, it will not mean all is lost, you can then complain to the FOS regarding their flawed/corrupt findings and if push comes to shove, set up a payment of £1 a month for the life of the debt.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

If it was a DD or the like then you can bash the bank over the head for allowing a cancelled DD to go through. As for the charges, they should be cancelled as it was the bank's error that created them. You will need to get on to BG to sort out the miscreant DD and I would get the payment reversed by them whilst you are at it but clear what is owed to BG by another payment method

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If this is an ongoing issue I may be able to help somewhat.

Request your bank files an indemnity claim with the retailer, British Gas?

You may wish to speak to British Gas first, if you have paid them too much you would be in credit so they should be able to refund the additional payment. Explain you changed your details and shut the account however the bank didn't act on your request so the payment was not meant to be taken. If they don't honour this your bank have an obligation to request an indemnity from the company which would refund the payment on the basis it was not your intention to make it and it was a bank error.

So once your bank have filed the indemnity, or British Gas have returned the money, explain to the bank you want the fee's removing as it is not your error, rather their's. Do this in a complaint filed in branch in person or in writing (In my experience the PhoneBank service is great however lot's of people recommend not using the phone for correspondence, in which case you could record the call) and make sure they take details on the computer and possibly even escalate the complaint to a different department (Not guaranteed). You should get a reference number or confirmation of the complaint being recorded, at which point you can ask for an update to confirm it's been loaded.

They should refund the full amount of charges and make it known to the advisor you want to shut it their and then as soon as the balance is back at £0.00, without you putting a penny in.

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Thanks for the comments, I think this has now gone to the next stage.

 

 

 

 

My wife contacted FOS who said they will write to TSB and then contact her, in the meantime she gets a letter from Lloyds saying since she hasn't agreed to pay it back its going to a debt collector. She called FOS who said that was strange and they think that since TSB and Lloyds are now separate banks that they must be arguing who owns the account, so they are now going to write to TSB again and ask them what theyre playing at.

 

 

Anyway this morning Moorcroft have written to her asking for payment before 'further action'

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If they don't own the debt then they can take no legal action, only the original creditor is able to take legal action.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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This is exactly why you need to ignore Moorcr@p, they have very little knowledge of the accounts, I still fail to see why these creatures would ever be employed by anyone.

 

Deal direct with the bank, start their complaints process.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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