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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
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Tannaku v RBS


tannaku
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Thanks

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Sorry, but it took me a while to work out how to start a new thread.

 

Anyway. I wrote to RSB on behalf of my daughter claiming back £3,015 over the last three years. This includes £1700 in just a two month period in 2005 on a normal current account. It was because of the misery this caused her that prompted me to act

 

I have now recieved a letter rejecting this claim and indeed the OFT guideline as well. They claim that the OFT have only had discussions concerning credit cards.

 

The letter before action is winging its way to Scotland as I type.

 

Many thanks for a great site.

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  • 3 weeks later...

A rather belated update, sorry.

 

Anyway, sent a LBA on 14th November and received an offer within four days for £1775. The original claim was for £3015.

Wrote and accepted this as part payment of full amount and reminded RBS that the original timetable for court action still stood. No reply.

 

Filed at court yesterday (29th Nov)

 

Like so many before me, the butterflies are stirring but determined to see it through to the end. Omwards and upwards.

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Hi again.

I have to admit I was a little confused as to what address to use as it had to be in England or Wales so I e-mailed the courts helpline. They told me to use my local branch which is what I did.

 

Actually the info is available on here but didnt find it until later.

 

Thanks for your support

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I filed the MCOL on the 29th November and sent it to my local branch in England. Up to then, my correspondence, LBA etc had been to the address in Edinburgh.

What I would like some help with please is that I noticed on another thread that somebody was told that if letters have been going to Scotland the case could fall under the Scottish legal system which limits small claims to #750.00 going back 5 years.

Does anybody know if my case could be prejudiced because of this.

 

Many thanks

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  • 2 weeks later...

No reply to date on MCOL filed 29th Nov.

 

I am beginning to appreciate how my predecessors felt when they described their feelings whilst waiting for things to happen. Nervous but determined.

 

I just wanted to keep the thread up to date

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I have noticed on the MCOL website that RBS have acknowledged my claim on 14/12 2006.

As they have made no contact with me, am I right in thinking that they have a further 14 days to either submit a defence or settle the claim?

Can anybody reassure me that it is so far so good. It is just that because there has been no contact from the bank the doubts have started to creep in. Also, if they decide to defend, have got just 14 days left to do so or do they go back to having 28 days.

I hope this makes sense

 

Many thanks

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So far as I can see everything is going according to plan...

 

Try and find somebody elses thread at similar point to you and have a good read (there are several.)

 

The bank may or may not settle OR ammend - this seems to be another delay tactic, because if they don't reply and you apply for judgement (which you will usually get by default) THEN the bank responds with a set-aside request (usually granted it appears, because Judges like case settled on merit not by default) which gives them EVEN MORE time (another 14days I think).

 

Keep in there mate.

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Received an acknowledgedment letter today in which RBS have ticked a box to say they will defend all of the claim. Cobbets Manchester to represent them.

 

Pretty much par for the course at the moment it would seem from other posts. I am pretty much ready to put my case together should it come to court. Gosh its scary,,,lol

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INNIT!....lol

 

I've just had some good news in that my folks have offered to put up the court fees for me so I'm off to court tomorrow with paper N1's...eeek

 

Everything you need for court is in this forum too, if you get cpr part 18 request from Cobblers, there are a couple of threads with full replies for you to cut n paste, also a very good thread on creating your own cpr18 request which Cobblers REALLY don't like receiving it seems...there's also Allocation Questionaires for you to copy...

 

If and when you get any of the above to do, just post back and somebody will help you find the way.

 

All the best...Phil

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  • 3 weeks later...

OK, its finally showtime.

 

I got a letter from Cobbets today setting out something like a nine point defence and also what seems from reading the other threads, the standard request for further information and clarification pursuant to CPR Part 18.

 

From reading the other threads I was fairly confident I could manage a reply but now its here its a different ball game.

 

They pay particular attention to paragraph 3 of my Particulars of Claim in that I havnt supplied them with a copy of the list of charges as stated. I sent one to RBS with my very first letter but I have to be honest that I havnt sent one to the court yet and I was waiting to see if they defended before sending one to their solicitors. Do I say all this to Cobbets?

 

I have been studying BigCol's winning claim and his wording seems a good way forward.

 

Any advice welcome folks

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Can I trust Cobbets when they say that they have filed whatever correspondence they send to me with the Court or should I send their letters with my copys of replies? If that makes sense.

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Have now got the questionnaire from the courts - a bit quicker than I expected though.

I have answered one of my own questions because enclosed was Cobbets defence but not the Request for Further Information CPR18 thing.

 

Do I when replying to the court enclose a copy of this to show them what Cobbets are up to?

 

Anybody?

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Have now got the questionnaire from the courts - a bit quicker than I expected though.

I have answered one of my own questions because enclosed was Cobbets defence but not the Request for Further Information CPR18 thing.

 

Do I when replying to the court enclose a copy of this to show them what Cobbets are up to?

 

Anybody?

 

The courts will already have a copy of the defence. Complete the Aq and send it back to the court enclose a schedule of charges also send a copy of the scedule to cobblers.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

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Many thanks livelylad. I have now completed the questionnaire.

 

Still working on the reply to Cobbets - just trawling through the site looking for inspiration at the moment.

 

Thanks again

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Many thanks livelylad. I have now completed the questionnaire.

 

Still working on the reply to Cobbets - just trawling through the site looking for inspiration at the moment.

 

Thanks again

 

 

try these

 

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

Letter 1 MCOL

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

 

 

 

 

Wait until you receive the Notice of Acknowledgement from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

Letter 2 Solicitor

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

Yours sincerely,

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Got that livelylad, many thanks.

 

Do I also need to reply to Cobbets letting them know that CPR Part 18 only applies at the Courts discretion or words to that effect as I have seen in other threads?

Also, do I need to respond to their defence as I have seen in other threads with words like "the charges laid out in the original contract are unlawful penalty charges and cannot be legally enforced" etc etc (taken from another thread)

 

I cant seem to get things clear in my head but I know I will with just a little bit more prompting.

 

Many thanks again

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Got that livelylad, many thanks.

 

Do I also need to reply to Cobbets letting them know that CPR Part 18 only applies at the Courts discretion or words to that effect as I have seen in other threads?

Also, do I need to respond to their defence as I have seen in other threads with words like "the charges laid out in the original contract are unlawful penalty charges and cannot be legally enforced" etc etc (taken from another thread)

 

I cant seem to get things clear in my head but I know I will with just a little bit more prompting.

 

Many thanks again

 

ok everything you need is in this link. I know its Natwest just amend for RBS as Cobblers serve both.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html

http://www.consumeractiongroup.co.uk/forum/natwest-bank/55874-letter-court-re-cpr18.html

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I have drafted this reply to Cobbets using info gleaned off livelylads thread and others. Does anybody think I am missing anything? Or even if I have said too much?

 

Dear Sir/Madam

 

I am writing in response to your letter dated 2nd January 2007 which contained your Defence and a Request for Further Information and Clarification, the latter marked IMPORTANT.

 

This request for further information from me under Part 18 of the CPR also includes a deadline date for receipt of the response. I think I will leave the judge to decide on the impression the letter is intended to give.

 

As I anticipate that this claim will be allocated to the Small Claims track I must advise you that CPR Pt18 has little relevance to Small Claims procedures. However, I am aware that Part 27.2(f) applies subject to paragraph 3 of part 27.2 which states that the Court of its own initiative may order a party to provide further information if it considers that it is appropriate to do so. I am more than willing to provide any further information at the Courts request.

I consider though your inquiry to be intimidating, and I intend to bring this matter to the notice of the Court.

 

You point out in your Defence that under paragraph 3 of the Particulars of Claim the Defendant has yet to receive a copy of the schedule of charges as stated. The said information was provided to your client on 31st October 2006 and the letter acknowledged by your client.

 

As you are instructed to act for the The Royal Bank of Scotland in defence of this claim, I am somewhat surprised that you have not been sent this information by them directly to enable you to defend this claim efficiently. I am enclosing details of the charges in question, the interest applied, and details of the account number and sort code. This information has also been made available to the Court.

 

 

Yours sincerely

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  • 2 weeks later...

Just an update.

Got a letter from Cobbets this morning making an offer of £1650.00 because they do not think we can win in court and on condition we do not reveal to third party and write to the Court withdrawing my claim etc. etc

 

Funny thing, they made me an offer of £1775.00 on the 18th November last year which I gave the standard reply to of accepting as part payment.

 

I will do the same with this but should I notify the courts of this offer? Do I perhaps send them a copy of Cobbets letter put in my court file?

 

Anybody?

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