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    • Thank you all for your input so far. I have now received a letter back from my CPR 31.14 stating 'CPR 31.14 is not relevant to small claims matter, pursuant to cpr 27.2......we are under no obligation to disclose the documentation at this stage.' I assume this response is expected?   I have reworded my defence and made it more succinct, I'm not sure what else I could add?   1. Due to the sparseness of the particulars, it is unclear as to what legal basis the claim is brought, whether for breach of contract, contractual liability, or trespass. However, it is denied that the Defendant, or any driver of the vehicle, entered into any contractual agreement with the Claimant, whether express, implied, or by conduct.   2. It is admitted that the Defendant was the registered keeper of the vehicle in question. However, the defendant has no liability as they are the Keeper of the vehicle, and the Private Parking Company has failed to comply with the strict provisions of PoFA 2012 to hold anyone other than the driver liable for the charges.   3. Signage at the site is not sufficient. A sign is present on the left hand side of the entrance, away from the driver, and therefore cannot be easily read by the driver of a passing vehicle. On closer inspection this sign states ’Refer to the full Terms & Conditions signs located throughout the car park’. Signs are located so that information is often obscured by other parked cars and is difficult to read. These signs state ‘Entry to or use of this privately operated and managed car park is subject to the current terms and conditions of vehicle control services ltd. Motorists/persons utilising this car park hereby accept in full the terms and conditions.’ Therefore, the driver is deemed to have agreed to the terms and conditions by having entered the car park before knowing what those terms and conditions are. The elements of offer, acceptance and consideration both ways have therefore not been satisfied and so no contract can exist.   4. 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 not with reference to the judgement 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    In summary, it is the Defendant's position that the claim discloses no cause of action, is without merit, and has no real prospect of success. Accordingly, the Court is invited to strike out the claim of its own initiative, using its case management powers pursuant to CPR 3.4. 
    • On side note: I have notice that many people without the skills to argue their point, accuse others of being rude, racist, sexist, homophobic etc. I.E. Excuse me, i don't have a receipt for this refund, but i have my bank statement,  can i get a refund? -No, no receipt no refund - But your policy and the law says "proof of purchase" not "receipt " - You're rude/racist/homophobic, you must leave now or i call security.    I see this happening day in day out. Even kids do it, they're very quick at gaining a crowd's attention by shouting "racist/homophobic" so they can feel they've won the argument.  Sad.  
    • The advice is: make a complaint and get a refund. Then make another complaint about the inspectors attitude if you want, but changing the world is something that it's not going to happen, surely not for an excess fare. Inspectors are given discretion and unfortunately some of them take this as a sign of power over other people. It's impossible to sack all people who have a little position of power and employ more, hence the complaint system.  That's life and as .much as everyone of us want to improve it, it's an impossible task, so don't waste your time and brain on it. Just accept that there are things you can't change.  Get your refund, get your apology, then move on. That's my advice.
    • Hi.   I've removed part of the account number to keep this anonymous for you.   Have npower done what the ombudsman said?   HB
    • Read our customer service guide.   You've been here since 2012
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Halifax Mortgage Overpaymen

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On 4th June I made a large transfer to pay off my mortgage to the halifax.


The sum I transferred was the sum I was told from one of their advisors.


then logged onto my account a few days later to see my balance was reading around negative £1900.


immediately phoned up the advisor who told me I had transferred too much.


didn't understand as this was the amount I was told by the original adviser.


obviously happily accepted this and was told the money would be transferred back to me within 10 days.


10 days passed and no money was in the account


again I phoned up to explain the situation and was again told (by a different adviser) that everything was ok

and it sometimes could take up to 15 days.


today (20/06) I phoned up to check what was going on,

only to be told I had infact made the correct payment and I wouldn't be receiving any money back.


As you can imagine having been told by two separate advisors that I would be receiving the money this came as a huge shock to me,

especially since I had just paid for a family holiday with the money I was told id be getting back!!


this leaves me £1800 out of pocket!!


I raised an initial complaint and after some apologising I was offered £300.


What about the rest of the money that I have already spent which leaves me out of pocket!


Am I entitled to get all this money back?


The phone calls are all recorded they told me so I have proof.

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I have found the Halifax quite reasonable.


I had something similar where I was given wrong information by one of their advisors.


This resulted in Halifax taking too much money out of my account.


I am on a tight budget and other things defaulted and


I got charged for non payment of a different direct debit and charges on my bank account for failed direct debit.


Halifax picked up all the charges as a show of good faith.


I believe that some amount of discretion is given to the advisor you speak to but maybe with the amount

you were messed around on needs to go higher for authorisation.


I was told that since Halifax started this system complaints have fallen dramatically so I would continue to pursue this.


Having booked the holiday would you lose the money if you cancelled or would the impact on your family be too distressing.


Let them know.


As I understand it there is no obligation for them to pay you this money

but I think given the circumstances they may do it as a gesture of goodwill.

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