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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.   
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RBS Mastercard / MINT C/Card ppi question


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Wrong sheet Baz that's for single premium (eg on a loan) you want running credit at rate you were charged upto date of closure 16.6%

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Wrong sheet Baz that's for single premium (eg on a loan) you want running credit at rate you were charged upto date of closure 16.6%

 

Thanks theoldrouge but I do not have all the statements / approx 6 months missing.

 

Is there any other spreadsheet that I can use ?

 

As previously mentioned a bit confused about who has agreed complaint figures. If FOS would it be all premiums plus 8% statutory interest or if RBS would it be premium plus associated interest ?

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you would only get 8% if the card balance went into credit

rst of the time its the card rate .

 

 

as I'm sure we've discussed before......

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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you would only get 8% if the card balance went into credit

rst of the time its the card rate .

 

 

as I'm sure we've discussed before......

 

Thanks dx and yes we probably have but if complaint was up-held by FOS then it would be return of all premiums plus 8% interest per annum to date and no associated / compound interest ?

 

The reason that I ask is that not only do I have ongoing issues with breakdown of figures but complaint was originally rejected by RBS then up-held by FOS.

 

Now i didnt have full statements so I couldn't complete the FOS running spreadsheet so therefore I used the one previously attached in which differs to what is being offered.

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the only real true one is the fosrunning

but you need all the statements

 

 

fos ci will give you a guide figure

 

 

so the foscisheet is your best guess

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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16.6 on here

 

FosCISheet v101.xls

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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surely it runs till they stopped the int on the card

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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surely it runs till they stopped the int on the card

 

thanks dx but I stopped paying on or around September 2004.

 

Interest was eventually frozen through agreement with my Debt Management at the time and passed to DCA.

 

Statements ceased and received nothing from DCA regarding payments made.

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16.6 on here

 

FosCISheet v101.xls

 

Have now entered details and figure is near enough correct give or take a few quid.

 

I have used end date when I last made PPI payment or should it be something else. I also slightly confused as offer details state that amount is refund of premiums plus associated interest to date ?

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you need to identify when you were last charged interest

that will be the end date for the foscishet

IMHO you are then entitled to 8% stat int on that figure till they settle.

as you have been deprived of investing said money

 

 

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... 

Link to post
Share on other sites

you need to identify when you were last charged interest

that will be the end date for the foscishet

IMHO you are then entitled to 8% stat int on that figure till they settle.

as you have been deprived of investing said money

 

 

dx

 

Thanks again dx.

 

Well this is what I have been disputing with the bank and the FOS adjudicator.

 

They advised that there was no 8% simple interest applied due to the account never being in credit.

 

Sorry to ask more questions or sound stupid but are you saying that they should have still applied 8% statutory interest from last interest payment date till they settled ?

 

They have already added associated interest in which I pressume is the same as compound interest.

 

Is there a difference between 8% statutory and 8% simple ?

 

Therefore would the following FOS Redress apply ?

 

consumers who consistently make the minimum payment each month

 

Another example where a consumer might have paid a different amount to their credit card account is where the consumer consistently made the minimum contractual credit card payment each month. In that case, it seems likely that instead of paying the same amount to their credit card account without PPI, the consumer might have paid the (slightly smaller) minimum payment rather than the amount they actually paid to their credit card with PPI.

 

Based on examples of good practice we have seen, the example below shows how a business might set out how it has calculated compensation for a mis-sold regular-premium PPI policy added to a consumer’s credit card where the consumer consistently paid the minimum contractual payment:

 

what we know

 

you took out your credit card in January 2003 and took out the PPI policy at the same time;

your credit card balance today is £5,832.91; and

you have consistently paid the minimum contractual payment to your credit card and no extra payments.

what we have assumed

 

credit card interest at the rate charged on normal purchases applied to the PPI premiums added to your account; and

you would have paid the (slightly smaller) minimum contractual payment to your credit card without PPI.

If you do not think that these assumptions should be used in your circumstances, please let us know why not.

 

what we have calculated

 

if you had instead taken out your credit card without the PPI policy, your credit card balance today would be £2,642.94. We know this because we’ve looked at your credit card account from the day it started until now and worked out what the balance would have been without the cost of PPI and any interest and charges you paid as a result of PPI being included on your account; and

the payments you have paid have been slightly higher than the payments we have assumed in our calculation. The difference between the payments you have paid and the payments we have assumed you would have paid to your account without PPI is £518.73.

 

I only made minimum monthly payments.

 

PPI policy was cancelled around September 2004.

 

Complaint up-held by FOS December 2014.

 

Thanks

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Thanks again dx.

 

Well this is what I have been disputing with the bank and the FOS adjudicator.

 

They advised that there was no 8% simple interest applied due to the account never being in credit.

 

Sorry to ask more questions or sound stupid but are you saying that they should have still applied 8% statutory interest from last interest payment date till they settled ?

 

They have already added associated interest in which I pressume is the same as compound interest.- that's their card int at their rate compounded.

Is there a difference between 8% statutory and 8% simple ?- same thing

Therefore would the following FOS Redress apply ?

 

consumers who consistently make the minimum payment each month

 

Another example where a consumer might have paid a different amount to their credit card account is where the consumer consistently made the minimum contractual credit card payment each month. In that case, it seems likely that instead of paying the same amount to their credit card account without PPI, the consumer might have paid the (slightly smaller) minimum payment rather than the amount they actually paid to their credit card with PPI.

 

Based on examples of good practice we have seen, the example below shows how a business might set out how it has calculated compensation for a mis-sold regular-premium PPI policy added to a consumer’s credit card where the consumer consistently paid the minimum contractual payment:

 

what we know

 

you took out your credit card in January 2003 and took out the PPI policy at the same time;

your credit card balance today is £5,832.91; and

you have consistently paid the minimum contractual payment to your credit card and no extra payments.

what we have assumed

 

credit card interest at the rate charged on normal purchases applied to the PPI premiums added to your account; and

you would have paid the (slightly smaller) minimum contractual payment to your credit card without PPI.

If you do not think that these assumptions should be used in your circumstances, please let us know why not.

 

what we have calculated

 

if you had instead taken out your credit card without the PPI policy, your credit card balance today would be £2,642.94. We know this because we’ve looked at your credit card account from the day it started until now and worked out what the balance would have been without the cost of PPI and any interest and charges you paid as a result of PPI being included on your account; and

the payments you have paid have been slightly higher than the payments we have assumed in our calculation. The difference between the payments you have paid and the payments we have assumed you would have paid to your account without PPI is £518.73.

 

I only made minimum monthly payments.

 

PPI policy was cancelled around September 2004.

 

Complaint up-held by FOS December 2014.

 

Thanks

 

 

we've travelled this route several times before......

 

 

as far as I am aware you can only use the FOSCISHEET up until the point they stopped charging their card interest.

the fact that you cancelled the PPI makes no odds

 

 

the ppi that they charged you will still make part of your outstanding monthly balance until/unless the card is closed.

 

 

so thus...until they stopped charging you interest at their rate, you claim it

hence the need for a claim to date on the FOSCISHEET.

 

 

SO WHEN WAS THIS... is the card still active? or when was the card CLOSED. or they stopped interest on it???

 

 

......................

 

 

IF there is a confirmed date when they stopped int, then you are entitled to simple int @ 8% from the day after till they settle

 

 

statint sheet

 

 

total from FOSCI

entered as one figure

on the day after they stopped int

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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Share on other sites

we've travelled this route several times before......

 

 

as far as I am aware you can only use the FOSCISHEET up until the point they stopped charging their card interest.

the fact that you cancelled the PPI makes no odds

 

 

the ppi that they charged you will still make part of your outstanding monthly balance until/unless the card is closed.

 

 

so thus...until they stopped charging you interest at their rate, you claim it

hence the need for a claim to date on the FOSCISHEET.

 

 

SO WHEN WAS THIS... is the card still active? or when was the card CLOSED. or they stopped interest on it???

 

 

......................

 

 

IF there is a confirmed date when they stopped int, then you are entitled to simple int @ 8% from the day after till they settle

 

 

statint sheet

 

 

total from FOSCI

entered as one figure

on the day after they stopped int

 

Thanks again dx and apologies if it's something we have touched on before.

 

I have quite a few complaints going on at the moment and also variations of offer presentation figures, hence the confusion. I just need some clarity before accepting any offers.

 

I have completed FOSCISHEET and used end date 6/10/04 when last interest payment made.

 

Last PPI payment made Sept 2004.

 

The card is still active as such but interest has been frozen and I pay a monthly agreed repayment plan direct to bank.

 

So now I do a STATINTSHEET with total from above from 6/10/04 to date ?

 

Thanks

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claim to date should be left to auto update

 

 

=()TODAY I think is the formula

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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Share on other sites

when they refund the ppi the balance on your ac will still be £2643, it has never been in credit

 

the 8% award would be compensation for loss of use on the monies whilst your ac is in credit with the ppi removed

 

as an example, in simple terms, balance on card at the time of stopped interest £2000, ppi refund £3000, £1000 credit so 8% payable on £1000

 

from then to date paid

 

As your ac was never in credit, no 8% payable, imo their figures are correct

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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when they refund the ppi the balance on your ac will still be £2643, it has never been in credit

 

the 8% award would be compensation for loss of use on the monies whilst your ac is in credit with the ppi removed

 

as an example, in simple terms, balance on card at the time of stopped interest £2000, ppi refund £3000, £1000 credit so 8% payable on £1000

 

from then to date paid

 

As your ac was never in credit, no 8% payable, imo their figures are correct

 

Thanks dx and theoldrouge.

 

Ok so only refund of premiums plus CI up to and including September 2004 (as per RBS figures) when account defaulted ?

And no extra added interest from above said date until December 2014 when the bank finally settled ?

 

So if I had paid off and closed the account in September 2004, would I receive CI and 8% simple for up to and including December 2014 ?

 

Sorry again for sounding stupid but I am trying to get my head round how RBS presents their offers as they seem to differ with their presentations.

 

I have also found out today that it is 15% interest payable for each year up to April 1993 where the CC was in credit :???:

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Thanks dx and theoldrouge.

 

Ok so only refund of premiums plus CI up to and including September 2004 (as per RBS figures) when account defaulted ? And no extra added interest from above said date until December 2014 when the bank finally settled ?

 

So if I had paid off and closed the account in September 2004, would I receive CI and 8% simple for up to and including December 2014 ?

 

:

YES and YES

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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YES and YES

 

Thanks again for your time.

 

I did read the FOS Website in respect of redress but I wasn't sure about a couple of things.

 

I have had numerous complaints presentations and some seem to differ hence the confusion when trying to check the figures. Why oh why RBS cannot just at least provide a breakdown in the first instance I never know.

 

It has taken me around 6-8 months to get details out of them as previously fobbed off until I involved the adjudicator.

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every bank has different ways of calculating redress but I think yours is a fair and accurate offer

 

as you say so much simpler if they supplied more information on request

 

Hope you dont have any with Capital One, their new calculator is impossible to fathom:-)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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