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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.  
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Coop bank holding funds in account soo stressfull


ali321
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Coop bank holding funds on my account, not releasing my money done almost everything, provided them documents etc. Bank replies back saying documents not exceptable. So angry at the bank its like day light robbery, have also contacted the fos (financial ombudsman service)

 

 

anyone here can help? Advice me what can i do extra for my money to be released.

 

Thanks

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tell us the story please.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Cooperative bank froze my account in march, my card everything got stopped,

 

I called up to find out whats going on?

 

the bank from the security department goes you have been receiving a lot money from that same account for past few months which isn't awful alot talking bout £16,000 in total.

 

They said can you please go into the branch with all proof of documents where this money came from so I went in to the branch.

 

The money I have been receiving is from my friend,

his just been paying me back slowly for the past few months,

which he owed me from before where I borrowed him money at the time

he was facing financial problems so I helped out.

 

I borrowed him the money by selling my car because it was urgent that he needed the money,

I have explained everything to the banks security department.

 

supplied them with DVLA log book DVLA Invoice even bank statement of my friends account

where his been paying me slowly for the past few months.

 

They just make you run around like headless chicken,

 

Now the bank replies back saying the documents not good enough,

they want the actual original bank statement where the money came from

they cant accept the online version statement which was given.

 

Now the bank has requested original paper bank statement where the money came from,

and a written letter from my friend saying why he was paying money onto my account

not problem that can be done,

 

but the second problem is my friend had paperfree statement set on his account,

so all the statement was generated online at the time and he has all them online statements.

 

The reason why its stressful because my friends account has been closed completely 2 weeks back,

and he called up his bank two days back to order the paper statements,

 

his bank goes there is no data of you r account anymore cos it has been completely shut down.

 

Now what do I do?

 

This is day light robbery?

 

Am in a stressful situation.

 

Would appreciate it if anyone can advice me on here.

 

Thank you in advance.

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Looks Like the bank is suspicious of money laundering, your friend needs to write a letter to the bank stating what has happened.

I cannot understand the banks line that they have no data on his account, they are required by law to keep ALL data relating to the account for 6 years after closure, so the way forward would be for him to make a Subject Access Request under the Data Protection Act 1998 (SAR) requiring his bank to supply all data they hold BUT this can take up to 40 days, so I would suggest he goes back to the bank and demand the statements of the account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I cannot understand the banks line that they have no data on his account, they are required by law to keep ALL data relating to the account for 6 years after closure, so the way forward would be for him to make a Subject Access Request under the Data Protection Act 1998 (SAR) requiring his bank to supply all data they hold BUT this can take up to 40 days, so I would suggest he goes back to the bank and demand the statements of the account.

 

The bank are NOT saying they don't hold any data for the closed account.

It's more like the advisor on the telephone doesn't have any access to do anything once an account has been closed. (This is the case with quite a few banks because telephone banking is a way of managing the accounts you currently hold, not the accounts which you used to have).

 

A SAR may not be necessary. It might be enough to put your request for the statements in writing or to visit a branch and allow them to send off a request for you.

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Hi ali

 

Write a Formal Letter of Complaint, mark it as such. Explain what's happened (they won't let you access your own money although you have provided proof), how they have let you down and what you want them to do. Tell them the bank has signed up to BCOBS and are treating you 'unfairly'. Tell them you will take further action not limited to lodging a complaint to the FOS.

 

http://www.consumeractiongroup.co.uk/forum/content.php?827-Examples-of-unfair-treament

 

Send it to:-

 

Mr Niall Booker

Chief Executive

Co-op Bank

[email protected]

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Thank you guys,

 

My friend has requested the statements today finally, the customer care person said they will process the request tomorrow Monday, but for some reason didn't sound convincing enough that they actually will send it out, the adviser said it will take few working days for him to get them on post, He also clearly told the adviser will there be any charges or anything what so ever for the request made, the adviser said it will be done for free all they need to do is process it and final. My friend will call them back tomorrow or Tuesday just to make sure, because the banks are never reliable you always have to chase them like xxxxxxxxxxxx!! Excuse my language.

 

 

Thanks again fellow members much appreciated.

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This " hesitance" by the Co-Op Bank may be due to its appalling management and the mess it is now in.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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