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    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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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AA membership over doubled in price


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I signed up with The AA in 2015 for £99 a year (paid monthly).

I just always assumed it was £99 as the website didn't state otherwise as far as I could see.

 

I've checked it today and found I have been paying over £204 a year ever since the first year was up.

I called them to complain, and the person said I would have had confirmation of the price in the post before it was due for renewal, and if I didn't call then I wouldn't get a better price (Why do I have to call!?).

 

I don't recall getting these letters, and I keep everything, but I don't have that letter.

I for sure check every letter I get, and I wouldn't have accepted a 100%+ price increase!

 

I called back to their complaints to a guy who spends his life listening to people complain, and he just dismissed me saying I agreed when I took it out. I asked for a copy of the document several times but he just kept saying it would have been on the website at the time. I told him that the person I spoke to before said about it being in the renewal letters and then they relented and said they would send me copies.

 

I want to dispute that I ever gave permission to a 100% price increase as I don't recall ever doing this, they seem to be unable to provide me with the terms and conditions I apparently agreed to.

 

Realistically, what are my chances of getting my money back?

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If you can remember when you signed up, take a look at the Google 'wayback machine' and if it's there, you'll be able to see exactly what was on the AA website at the time.

 

http://web.archive.org/web/20150901000000*/https://www.theaa.com/breakdown-cover/

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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The only terms I can see from that are:

 

Introductory prices are less than the average paid by members between 1 February and 31 July 2014. If you've broken down, please call us on 0800 887766 for immediate cover, as these prices won't apply.

 

Your renewal price will be based on your individual circumstances, which include things like where you live, your breakdown history and any other relevant information we hold about you as a customer of the AA Group.

 

The actual terms probably don't get displayed until you send over some details which the wayback machine can't do.

 

I don't see where I agreed that they can stick up my premiums by double if I don't respond to them for a renewal quote. You'd expect to get the best deal anyway, but I guess that's how they make their money! I'll wait to see what they can provide and submit a SAR after for anything else with my name on it. I don't believe they sent the letters, and I don't believe I agreed to 100% price increases.

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Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Thanks, March 2015 is when I joined.

The second link doesn't work.

I see it says they will send letters regarding the renewal cost, which I didn't get.

 

I get spam from them all the time but I still take the time to look through them, I didn't get any renewal.

I did move shortly after I joined, but I changed my address with them and confirmed today that they have the correct address.

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I found the correct link: https://www.theaa.com/resources/Documents/pdf/breakdown-cover/terms-and-conditions-jun-2015.pdf

 

Page 20:

Autorenewal

14. If AA Membership Breakdown Cover is paid annually by Direct Debit or Continuous Credit

Card and the payer has agreed to allow us to collect the renewal premium automatically each

year, then unless we hear to the contrary, your AA Membership Breakdown Cover will be

automatically renewed at the end of each year. A reminder will be sent to advise of the cost of

AA Membership Breakdown Cover, and any changes to Terms & Conditions that will take effect,

at renewal. If a Member does not want to renew on this basis, they should notify the AA at least

7 days prior to renewal. For information this should be done by contacting AAIS on 0800 435

980, see section 3 of the AA Membership Breakdown Cover Arrangement and Administration

Contract on page 24. Please note that Autorenewal does not apply to Continuous cover.

 

The last line there says that Autorenewal doesn't apply to continuous cover. I have continuous cover, but on the phone they kept telling me it was due to the auto renewal (I have the calls recorded)... The next section does go on to saying they will give 45 days notice for increase in premiums, but that is what I dispute.

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send them an sar

 

however its quite std practice for both AA and RAC to do this.

the 1st year is a promotional deal to get you hooked in

then by not reading their T&C's they up the payment.

 

mine went from £89 in 2011 to £215 in 2012 [got done over in an asda's lobby by them the 1st time]

brokedown sometime later was outside of 30miles from home, nope bugger off you are not covered]

 

I saw the upped price on a bank statement.

got the bank to refund it as it was a non authorised CPA on my debit card.

 

AA could not prove they sent a letter informing me

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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Having been both an AA & RAC member in the past, I finally realised that I was being royally shaf - erm, ripped off, by them. Green Flag was next, service was great but even their prices went through the roof.

 

I've now been a member of Start Rescue for the last 3 years. The price was £45 for the first year, and then £40.50 for renewal as a loyal customer. https://www.startrescue.co.uk/breakdown-cover

 

They've been called out three times, each time they got to the vehicle within 30 minutes, managed to get it going once and recovered the vehicle home (once from Worcester and once from Bridgewater) without any question or argument when they couldn't fix it at the roadside. If you want a cheaper alternative to the big clubs, I really couldn't recommend them enough.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • 2 weeks later...

Hi,

 

Sorry I didn't get the notifications of your posts.

 

They haven't managed to send me anything in the post yet, and have gone silent.

I followed up once more via email and still waiting for a reply.

I wonder how many have been stung by this.

I paid using Debit Card so not sure how eligible I am to get the bank to reverse the transactions.

 

SAR will come next.

I've found templates online for this.

Is there a way to word it so that they have to include every piece of personal information they hold?

 

I specifically want to get a copy of every letter they have addressed to myself, as well as the dates / times and if possible, audio recordings of the telephone conversations.

 

I have recordings of two of them, but there was another call I had with them where they offered me to add another vehicle to the policy free of any charge, which later they said they didn't do.

 

Thanks

Edited by dx100uk
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read post 8 tell you how to get your money back

 

as for the sar

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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Came home to a letter from The AA.

 

Saying they don't believe I didn't get the price increase letters and they included an example of the signup form from the website with the only relevant part being:

 

Your intoductory price is £6 less than the average paid by members between 1 October 2014 and 31 March 2015.

 

To me, this just means my intoductory price was £6 less than other peoples introductory price. There is no indication what so ever of the price I will end up paying in the second and subsequent years.

 

Furthermore, they didn't include copies of the letters or the terms and conditions as per my request.

 

SAR will come next.

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  • 2 months later...

Just want to update: The Financial Ombusman is looking into my complaint. It's taking a while but it's been handed to case handler and hasn't been rejected yet so must be a good sign.

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Just want to update: The Financial Ombusman is looking into my complaint. It's taking a while but it's been handed to case handler and hasn't been rejected yet so must be a good sign.

 

Just curious, but how does this come within the remit of Financial Ombudsman? I thought they only dealt with financial products. Or do they consider breakdown services to be a financial product?

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Just curious, but how does this come within the remit of Financial Ombudsman? I thought they only dealt with financial products. Or do they consider breakdown services to be a financial product?

 

Personally I'm not sure. The AA referred me to them to escalate my complaint. I guess it's because I was on a monthly plan with them and my complaint is about being overcharged.

 

Their website also says it:

http://www.theaa.com/complaints

 

If you're still unhappy with our final response, or if we've not given you a final response within 8 weeks of your complaint, you may be entitled to refer your complaint to the Financial Ombudsman Service for help and advice.

 

Resolver.co.uk says:

https://www.resolver.co.uk/freeadvice/services/10/issues/693/issue_types/breakdown-insurance-not-notified-about-automatic-renewal-complaints

Breakdown insurance is covered by the Financial Ombudsman Service. It can help you resolve your issue after eight weeks.
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Just curious, but how does this come within the remit of Financial Ombudsman? I thought they only dealt with financial products. Or do they consider breakdown services to be a financial product?

The OP is paying an insurance premium so that is covered by FOS. I think that CPA should be banned unless you specifically agree to it as at the moment it is very similar to PPI!

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  • 1 month later...

Just a quick update.

 

Got a letter a few weeks back to say they're contacting The AA to get their side of the complaint.

 

Got a voicemail today from the Financial Ombudsman asking me to call them back next week.

 

It's a long process!

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  • 1 month later...

Got a voicemail from the Financial Ombudsman, They think that the initial price was clearly an introductory offer however they believe they may have still overcharged me and are looking into it.

 

I also pointed out that the year I got the cover, the terms and conditions just so happens to have a section missing which explains monthly cover price hikes.

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