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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
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I received a letter from Barclaycard advising that my claim for PPI was upheld and they offered me £1257.


After querying the interest amount and advising the FOS they then offered another £865.

They wrote to me saying they had sent payment to Barclaycard as their records show I was in an IVA which they were advised had finished in July 2015.


Grant Thornton ( now Aperture) have said that a variation in my IVA means they can collect the PPI money.


I know there is a court case relating to this to be heard on appeal this week but any advice would help.

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if the forthcoming appeal case this week will decide re yr issue, then maybe wait for that :)

maybe it wont be retrospective though if it is decided that they can collect.




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thanks for the reply Ford The BCard account wasn't part of the IVA so does this matter?

not sure. maybe, as iva's may need to know about any change of credit circs. but, yours has finished. what do the terms of your iva say about it.

will that case address that issue.

has the fos said anything about it.

there is also that issue about offsetting.




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The FOS say they don't get involved with IVAs

although they said unofficially to wait until the appeal is done.



Aperture keep saying that the IVA states they can still collect PPI payments

but I cannot find where it says that they can do this once it has been done.



if its a matter of it being classed as a financial windfall then what's stopping them collect any other non PPI windfall

. see reply from Aperture



Unfortunately your understanding is not correct,

your case went through a Mass Variation Meeting (MVM) on 14th August, 2013.

The purpose of the MVM was to allow us to gain consent from your creditors to allow us to close your case while the PPI continues in the background, therefore the closure of your case does not supersede the MVM.



For your convenience I have attached a copy of your Closure Report which you will see specifically states that your supervisor will continue with the PPI investigations post closure. ( IT DOES NOT MENTION PPI)

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its an asset that existed from before your IVA

so sadly you'll lose it.






please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.



Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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