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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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OdaPacket v Barclaycard


OdaPacket
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Hi all.Time i got round to starting my own thread.:-)

 

Sent my Subject Action Request to Barclaycard two weeks ago on 16/10/06.

 

As i am claiming for a Barclay current account and a Barclaycard , i sent the request to ;

Barclays Data Protection

Radbroke Hall

Knutsford

Cheshire

WA16 9EU

I know this is the address for Barclay accounts,but they fowarded it internally and i received a confirmation of request letter a few days later dated 18/10/06 along with my statements back to May 04 and the standard "sorry due to microfiche we cannot go back any further "

 

I replied to this on 21/10/06 with a reminder of their obligation to comply with my S.A.R and the arguement of microfiche being a relevant and accessible filing system.

 

Their return letter dated 25/10/06 was much the same as the first,backing their original microfiche arguement and opposing my views.They go on to say they are unable to disclose any further statements under the Data Protetion Act but will let me have copy statements at a charge of £3 each.! :x

 

Question

 

Should i send a complaint ,estimate my remaining charges or wait until the 40 day deadline passes ?

 

All advice welcome :smile:

 

Will keep you all updated Thanks Oda :-)

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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  • 2 weeks later...

Sent my prelim today for £1,701.28 , £545.72 of that being contractual interest using the goldcard cash advance rate (my card) of 18.9%,which, as a gesture of good will , i reduced to 18%.Sent by registered post.I estimated the charges from July 2001 to May 2004.Dealing with Carl Nuttall. :)

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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  • 3 weeks later...

Hi All.Does anyone know how i work out the daily interest on my contractual claim ? I know the formula (claim x 0.00022 )

 

Is this correct only for an 8% interest claim?

 

I am claiming contractual interest at 18% if that helps but i am stuck on this little query before i send my L.B.A.

 

Please help.Read so many posts my eyes have gone square :roll:

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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Hi there,

 

the formula {claim x 0.00022} is for 8% simple interest.

 

Technically you can't put in a correct daily rate for compounded interest because it increases each day. What you could do is taking your spreadsheet, see how much interest is owing at todays date, then change the date of the spreadsheet to tomorrow's date and the difference will be one day's interest. If you use that figure be aware that over the course of several days you will be claiming less than the spreadsheet is calculating but the difference won't be much and the bank would only have cause for complaint if you were claiming a higher figure, not lower. I hope that makes sense.

 

There is another way of doing it, and that is not to state the daily amount, but to state "compound interest at the same rate up to the date of settlement." You will then provide the total when you are nearing settlement. This is the method I have chosen.

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Thanks Bong.

 

My claim is contractual but not compounded .As far as i'm aware this makes a difference as to how the interest is calculated.Is that right ?

 

I assumed the interest is constant rather than continually increasing ? Therefore calculable ?

 

Thanks for helping :)

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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As far as I know, contractual interest would be compounded because that is the method used by the banks, and we are applying the same method to our claims. What makes you think the interest you have calculated is simple? If you are right, then to find out the daily rate at 18% you would multiply your total claim (excluding contractual interest) by 0.00049 (18 divided by 100 divided by 365)

 

By the way, you don't need to notify me when you make a reply to this thread, once I have made a post in it I am automatically subscribed (unless I opt out of that in my personal settings) and get automatic notifications of all subsequent posts.

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The reason i assumed there was a difference between the two was because when i visited vamps chambers,in the simple section, there is option 1...Throughout claim with contractual interest and option 2...Throughout claim with compounded contractual interest.

 

Am i wrong in my interpretation Bong ? If so i am going to have to make changes on my claim .

 

Slightly worried now as i have sent off my letter before action and my calculations may well be wrong !!! Oooooer :|

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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I wouldn't worry then OP, from the description of the spreadsheets you are doing fine. I don't have experience of Vamps google spreadsheets - so just ignore me. The calculation I gave before still stands though.

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  • 2 weeks later...

Hi All

 

I am now at the court action stage and have a couple of questions i need help with.

 

Barclaycard made me a settlement offer of £200 that i politely refused but assured them i would accept as partial settlement.They replied that this was unacceptable and would not budge from their £200 offer ,then credited my account with £200 anyway.

 

My account limit is £2,250.The £200 they credited brought my balance down to £2,358.

 

With my claim being for £1,701.28 ,am i within my rights to ask for the refunded charges by personal cheque minus enough to bring my account back out of the red ? or do they have the right to knock the entire amount off my balance ?

 

I would like to think that as it is my money,it would be my choice,once my account is brought back within their terms and conditions,as to how i spend it ?

 

Secondly...with my claim being for contractual interest,is there a tried and tested paragraph to include in my particulars of claim to explain this.I have searched but the results are few and far between regarding contractual rather than compounded contractual interest.

 

I am assuming after visiting vamps chambers that there is a difference although, as i read more threads ,opinions seem to differ and i note some confusion.

 

Lastly ...can anyone give me an idiot proof explanation as to how i place a link on a post i make to someone directing them back to one of my posts or threads ?

 

I'm sure its quite simple but i still don't know how ????

 

Any help with any of the above is gratefully received.

 

Thanks very much ..Oda :)

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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Hi All

 

I am now at the court action stage and have a couple of questions i need help with.

 

Barclaycard made me a settlement offer of £200 that i politely refused but assured them i would accept as partial settlement.They replied that this was unacceptable and would not budge from their £200 offer ,then credited my account with £200 anyway.

 

My account limit is £2,250.The £200 they credited brought my balance down to £2,358.

 

With my claim being for £1,701.28 ,am i within my rights to ask for the refunded charges by personal cheque minus enough to bring my account back out of the red ? or do they have the right to knock the entire amount off my balance ? (I would say yes)

 

I would like to think that as it is my money,it would be my choice,once my account is brought back within their terms and conditions,as to how i spend it ? (I agree)

 

Secondly...with my claim being for contractual interest,is there a tried and tested paragraph to include in my particulars of claim to explain this.I have searched but the results are few and far between regarding contractual rather than compounded contractual interest. (This is not something I can help you with, i suggest reading Bill-K thread)

 

I am assuming after visiting vamps chambers that there is a difference although, as i read more threads ,opinions seem to differ and i note some confusion.

 

Lastly ...can anyone give me an idiot proof explanation as to how i place a link on a post i make to someone directing them back to one of my posts or threads ? (if you go to the top of the forum tool bar and click on to "Qick Links" then click "Subscribed Threads" this will list all threads you have posted or started, simply right click on the thread you want then click copy shortcut, then go to the thread/reply where you want to place your link right click again and click paste, your link will appear in blue)

 

I'm sure its quite simple but i still don't know how ????

 

Any help with any of the above is gratefully received.

 

Thanks very much ..Oda :)

 

Hope that helps:)

 

Tanzarelli

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