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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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.  
    • 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).
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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.  

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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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Financial Ombudsman - a recommendation


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I had no idea that the FOS was held in such low regard. I thought my experience with them - I ended up just doing everything myself - was an unfortunate rarity and put it down to bad luck but reading your message it seems I am one of many.

 

This morning I received a reply from the Nationwide Building Society to my initial letter claiming back bank charges - more or less telling me to get lost - in which they advise contacting the FOS if I am not happy with their response.

 

It seems I would be better off dealing with the matter myself.

 

However, in light of your message I shall certainly be writing to the FOS.

 

Thank you.

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Re: Cadencealex...................Its a shock to me that your beneits are being taken by a bank to pay off bank charges. This is a disgusting form of extortion which you would only expect from Mafia loan sharks. I do believe, any kind of state benefit cannot be used for loan paying nor indeed for penalty charge payments. The money in all respects belongs to the children concerned and indeed a parent receiving these payments does so, merely as paymaster for a minor. I suggest you preuse Social Security legislation to firstly establish what benefit payments cannot be used for - Good Luck

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I had no idea that the FOS was held in such low regard. I thought my experience with them - I ended up just doing everything myself - was an unfortunate rarity and put it down to bad luck but reading your message it seems I am one of many.

 

This morning I received a reply from the Nationwide Building Society to my initial letter claiming back bank charges - more or less telling me to get lost - in which they advise contacting the FOS if I am not happy with their response.

 

It seems I would be better off dealing with the matter myself.

 

However, in light of your message I shall certainly be writing to the FOS.

 

Thank you.

 

Hello Kevin

 

Yes, you got a standard "SodOff" letter, which is what we all get from them. The FOS has its' uses I guess, but apparently not in the case of reclaiming penalty charges.

 

But, as you will know, I think, you don't have to deal with the matter yourself. You can deal with it with the help of all these good people here.

 

...and boy, are they good !!!

 

Welcome and good luck.

 

Bill. :)

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I have just written back to my bank, Norwich and Peterborough as they threatened to close my account and just pay me 50% of charges they EDITED from me.

I have also re-written to the Banking Code Standards Board and to the Financial ombudsman. Here is a portion of my letter to them!....

 

I am very disappointed at your response to my letter of (***) as you failed to support my complaint against Norwich & Peterborough Building Society.

This, and other banks have caused me to suffer great hardship by their arrogant attitude and continuing denials that their excessive charges are lawful yet I know, and you know that they are indeed not!

As Ombudsman, it is your duty to protect vulnerable account holders from the might and monopoly of the banks, building societies and other financial institutions who use and abuse their positions of wealth and power to victimize the poorer members of society by continuing to commit offences under the 1977 Unfair Terms (contracts) Act and the 1999 Consumer Credit Act (Unfair Terms in Consumer Contracts) including possibly the Sale of Goods Act, and many others.

These companies are constantly flouting and breaking the law, seemingly with impunity, causing many of their customers (especially myself!) to suffer serious financial hardship, stress anxiety and ill-health brought on by the worry and the need to needlessly pursue the right to have these charges refunded.

In some cases, customers have been driven to suicide because of the actions and attitudes of greedy, predatory financial institutions in their pursuit of their obscenely high profits!

It is well past the time that all of these lawbreaking companies are forced to stop applying these unlawful and punitive charges and refund all charges to those who have been targeted, without the customers being harassed and forced to pursue the right to get these charges refunded without suffering the stress, anxiety and extra expense of having to write several letters to these companies who continue to break the law by insisting that their charges are lawful!

These companies should also be forced to pay punitive penalties for their years of abuse of customers accounts which, in some case could be construed as THEFT!

I have now passed this on to my Member of Parliament, asking him to put this before the Independent Parliamentary Banking Committee.

 

 

 

I have now opened a new account elswhere, and will now ask N&P to accept a payment plan for my overdraft and freeze any interest - less of course, the £59.00 they still owe me.

 

Don't depair. Don't be frightened by their threats - Go in guns blazing - I do!

 

Rhino69

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Right on, Rhino. Watch out - you might get a word in line 2 forcibly edited by a mod (and they don't use local anaesthetic !) I have so far managed to get away with "nicked" - if you want to edit it yourself !! Notwithstanding the above, I share your rage !! :-x :-x :-x

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NIce one Rhino

 

Done mine but does anyone think that complaining to an ombudsmen can achieve anything. I'd rather sign up to an online petition - how about that CAG

 

MAC

I'm not an expert so check everything I tell you, however click me scales if I've been useful.

Light travels faster than sound. This is why some people appear bright until you hear them speak.

 

There is no freemasonry like the freemasonry of Golf

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Hi all

I have just signed up to the Phil Whitmore petition and there are only 22 sigs so far. Surely it would be good to get it put somewhere more prominent on the site and get every site user to sign.

Can you post a link here, Midge ? We can relay it around ourselves, then.

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Cheers mate, well done. Now I think of it, an earlier post mentioned this and I duly signed then, but can't remember doing it !! (which is bad). But the "CRAFT" factor is worth exploiting too with petitions (which is good), so "Gwa'an, gwa'an, gwa'an" - it's well worth repeating the link (á la Mrs Doyle!!).

 

Hopefully, the exponential exposure to the link will prompt such a signing-on level that even Our Tony has to admit that there's a feckin' problem, here. "Noo Labor" (sic) must be reminded, it seems, that "Plebiscite" and "Parasite" may be found at opposite ends of the spectrum. Not sure which end of it the mythical "Crock of Gold" reposed, but it ain't there, now. Let's go get it.

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NIce one Rhino

 

Done mine but does anyone think that complaining to an ombudsmen can achieve anything. I'd rather sign up to an online petition - how about that CAG

 

MAC

Every letter counts.

 

The FO needs to be reminded agaikns and again that his standing amongst the public is extremely low and that there is no confidence in what he does.

Complain also to the OFT and ask you MP why he is not doing anything.

 

Beware - all of these people will flannel you with a standard letter.

 

You must knock back their letters. Make it clear that you know that you are being flanelled and insist on a direct considered response

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...insist on a direct considered response

I shall do that, in future - thanks BF

 

I have placed a link to the above petition in my sig., now, and will be referring to it in my posts as often as I remember (seein' as our sigs are not showing up on every post now).

 

However, I have seen a post where the idea of doing this without admin's permission is a bit cheeky. Fair enough, and I'll remove it if I must.

 

Can you tell us if this is OK, or not.

 

And congratulations on Friday's demo. OFT appear to have publicly condemned themselves by their lockout and neg. response to your request to parley.

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Hi,

I have tried to find any small business's in the ML10 area of Scotland who would like to start a campaign regarding the crucifying RBS bank charges .

The difficulty I am having is that most of your site are consumers and the situation is slightly different. I am currently awaiting a response from the Ombudsman and the wait is excruciating.

I have had some very good and encouragement from "hageuk" but I feel out on a limb at present, as I'm sure you know once you contact the Ombudsman everything grinds to a halt.

Could you put me in touch with any other small business'?

Thanks,

Vicki

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Hi vicki, dont know of any there but you could try the Govan law center in Glesska.

Unfair UK Bank Charges Free help from Govan Law Centre, Glasgow

 

Their emails have not been updated since the 30/09/06.

Andrew

ASI Industries = As i in does tries!

 

As i in does tries!: My definition.

I will try, i may never succeed in the goal, but at least by trying i have a greater chance of success than never trying at all!

 My opinions are my own & occasionally may offend, but it is not my intention to cause offence in the first place!

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In response to my complaint to the FOS about a month ago, I received a letter from the FOS this morning informing me that LTSB is willing to pay me £250.00 for "distress and inconvenience".

 

This is on top of the full refund plus interest at the contractual rate, which I have already received following obtaining judgement in default, which I did without going through the FOS.

Lloyds TSB - £3,300.00 + £250.00 from FOS.

***FULL SETTLEMENT RECEIVED***

 

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Have just sent my email to Financial Ombudsman.

Halifax
- Offer of £564 received, 06/11 - sent LBA and Refusal of Offer
12/2006
Sent Complaint to FOS /
Abbey
- 15/10 - Received letter - refusal of payment - , 31/10 - LBA Letter sent,
12/2006
Sent Complaint to FOS, Offer Rec'd 14/02/07 for £4100 /
GMAC - RFC Ltd-
31/10 - S.A.R - (Subject Access Request) /
GE Capital Bank (Arcadia) - Debenhams -
31/10 - S.A.R - (Subject Access Request) /
GE Capital Bank (Arcadia) - Dorothy Perkins-
31/10 - S.A.R - (Subject Access Request) /
Kensington Mortgage Co-
31/10 - S.A.R - (Subject Access Request)
Chiggins

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Does Anyone On The Site Think The Oft Has Any More Clout Than The Ombudsman? As I Have Made A Formal Complaint Not Just About Charges But Overselling And Miss Selling.

I Wondered If Writing To John Fincklton Oft Chief Exec Would Have Any More Effect.

FWIW, I would say:-

 

1. No.

 

2. Do both.

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Guest Battleaxe

If you saw the programme lon BBC 2 last night, the FO stated they about 1000 complaints in the office at the moment he is recommeding to the banks that they pay back the charges to the customers instead of dragging things out. maybe the FO is realising that they only have the tip of the iceberg hitting them and will finally come out with a definitive recommendation.

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