Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

Tracey284 V Citicards


Guest Tracey284
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6186 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Guest Tracey284

I have just had the usual fob off letter from Citi Card who state the OFT etc, and that they have changed their charges in line, but they quoted a recent court case in Northern Ireland that they were involved in, claimant v Citifinancial Europe Plc, in which the fairness of the charges was challenged. The court dismissed the case, implicitly finding that the charges are fair and in conformity with the OFT guidance and common law principles of contractual damages.

 

This was in reply to my LBA. Any advice would be welcome please. I am due to send the court letter out on 4 October.

 

Thanks so much in advance.

Link to post
Share on other sites

  • Replies 64
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I have just had the usual fob off letter from Citi Card who state the OFT etc, and that they have changed their charges in line, but they quoted a recent c ourt case in Northern Ireland that they were involved in, v Citifinancial Europe Plc, in which the fairness of the charges was challenged. The court dismissed the case, implicitly finding that the charges are fair and in conformity with the OFT guidance and common law principles of contractual damages.

 

This was in reply to my LBA. Any advice would be welcome please. I am due to send the court letter out on 4 October.

 

Thanks so much in advance.

 

Your court letter is the LBA - where are you at

Read http://www.consumeractiongroup.co.uk/forum/other-institutions/9085-citi-cards-request-repayment-8.html#post271505 and maybe PM Martin 3030 if you are still unsure.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

  • 3 weeks later...
Guest Tracey284

Not sure what you mean about removing claimant's name. I have a question re monument and want to set up a thread. Shall I continue in this one or set up a new one. How do I set up a new one please?

Link to post
Share on other sites

  • 2 weeks later...
Guest Tracey284

About to issue MCOL but cannot find address of Citi Cards or CitiFinancial Europe Plc that is not a PO address. Can anyone help please? Thank you

Link to post
Share on other sites

Hi Tracey

 

Have you sent a PM (private message) to Martin3030, regarding your claim.

If not, then I suggest that you do that as soon as possible.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Guest Tracey284

Thanks for the advice. Have issued MCOL today for one of the Citi Card accounts that we hold. Will wait to see where we get with this one before continuing with second claim.

Link to post
Share on other sites

  • 4 weeks later...
Guest Tracey284

Okay - so the copy of the Defence arrived this morning and I am going to type it out below, but there are some points that I do not agree with which I will set out in red after the particular point.............

 

1. The Defendant is a credit card company whose registered office is at 87 Castle Street, Reading, RG1 7DX.

 

2. The Defendant admits that the Claimant has a credit card account ("the Agreement") with the Defendant which currently has a debit balance of £xxx.xx.

 

3. The Defendant avers that the Agreement with the Claimant contains terms entitling the Defendant to levy fees for late payment, exceeding the credit limit and for returned payments and avers that the Claimant was aware of and agreed to the same before entering into the Agreement.

 

4. The Defendant denies that the same:

 

4.1 exceeded the Defendant's losses

 

4.2 are a disproportionate penalty and therefore unenforceable as contrary to common law and/or invalid under the Unfair Contract Terms Act 1977 and of the Unfair Terms in Consumer Contracts Regulations 1999 or common law

 

and the Defendant puts the Claimant to strict proof of this by specific reference to the case law relied upon and/or the exact citation and application to the facts of the relevant parts of the sections of laws and regulations relied upon.

 

5. The Defendant denies that it has unlawfully debits the Claimant's account. The Defedant avers that the Particulars of Claim do not particularise the exact dates upon which the amounts claimed arose and puts the Claimant to strict proof of this. (They have received the full printout of the dates and amounts of the claim)

6. The Defendant avers that, between 2000 and 2006, the Claimant breached the contract on no fewer than 38 occasions and that charges of £xxx, not £xxx as pleaded, were debited to the Claimant's account by way of late payment, overlimit and returned payment fees, as per the Terms & Conditions of the Agreement and were paid by the Claimant thereby consenting to the same. (It seems that they have worked out the late payment charges were £72 more than I have claimed andthe payments weren't paid thereby consenting, they took them without asking!)

7. The Claimant is claiming as a money claim a sum equivalent to that which he claims was unlawfully debited to his account over the term of the Agreement in late payment and overlimit fees. This claim is entirely based on the recent OFT statement on the alleged unfairness of such default fees. The OFT stated that the level at which default fees, though not the principle of default charging itself, was unfair in the context of the Unfair Terms in Consumer Contracts REgulations 1999. It also reported that the fees were, in its opinion, a penalty contrary to common law principles of damages for breach of contract.

 

8. The Defendant has agreed to abide by the OFT report and adopt a lower lever of default fees which it has set at the new industry standard of £12. Over the lifetime of this account the Claimant has set is default fees at £25, £20 and £15 (The Claimiant did not set the default fees, the Defendant did!)

9. The Defendant has made an ex gratia refund of £xxx, which is a sum exceeding the difference between (i) the current default fee of £12 and (ii) amount at which each default fee claimed wascharged to the Claimant, by refunding the same to the Claimant's account (Nothing ever offered or received)

10. The Defendant avers that that Claimant's claim is not a money claim but a damages actin and further avers that the Claimant's interest calculation is not applicable to this action or, if it is applicable, that is is not pleaded with any particularity and puts the Claimant to strict proof that this interest is owed and is calculated properly. (If they have not seen the claim of amounts (point 5) then how do they know whether or not the interest cacluation is correct? This was calculated and submitted)

11. Save as otherwise admitted, the Claimant's Particulars of Claim are denied and each and every allegation in the Particulars of Claim is specifically denied.

 

So there you have it, any comments or help in my response would be gratefully appreciated. Do I have to wait for the AQ before replying or do I reply directly to this letter from Mr. Brian Smith Solicitor CitiFinancial Europe Plc?

 

Thanks in advance.

Link to post
Share on other sites

Hi Tracey,

 

Have you posted this on your Citicards thread? If not, please do so, we can keep track of your claim and offer help there.

 

Having looked through what they have sent, it is a standard defence, nothing to worry about at all.

 

Press on, nearly there :D

PLEASE READ THE FAQ's

Link to post
Share on other sites

Tracey have merged all your posts and put them here in Citi thread with a retitle.

 

All of the points you highlite are known defence criteria as used by Citi.

Lets have a look at this and advise after that.

 

Is this account open or closed ?

If closed has it been passed to DCA ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Okay - so the copy of the Defence arrived this morning and I am going to type it out below, but there are some points that I do not agree with which I will set out in red after the particular point.............

 

1. The Defendant is a credit card company whose registered office is at 87 Castle Street, Reading, RG1 7DX.

 

2. The Defendant admits that the Claimant has a credit card account ("the Agreement") with the Defendant which currently has a debit balance of £xxx.xx.

 

3. The Defendant avers that the Agreement with the Claimant contains terms entitling the Defendant to levy fees for late payment, exceeding the credit limit and for returned payments and avers that the Claimant was aware of and agreed to the same before entering into the Agreement.

 

4. The Defendant denies that the same:

 

4.1 exceeded the Defendant's losses

 

4.2 are a disproportionate penalty and therefore unenforceable as contrary to common law and/or invalid under the Unfair Contract Terms Act 1977 and of the Unfair Terms in Consumer Contracts Regulations 1999 or common law

 

and the Defendant puts the Claimant to strict proof of this by specific reference to the case law relied upon and/or the exact citation and application to the facts of the relevant parts of the sections of laws and regulations relied upon.

 

5. The Defendant denies that it has unlawfully debits the Claimant's account. The Defedant avers that the Particulars of Claim do not particularise the exact dates upon which the amounts claimed arose and puts the Claimant to strict proof of this. (They have received the full printout of the dates and amounts of the claim)

 

6. The Defendant avers that, between 2000 and 2006, the Claimant breached the contract on no fewer than 38 occasions and that charges of £xxx, not £xxx as pleaded, were debited to the Claimant's account by way of late payment, overlimit and returned payment fees, as per the Terms & Conditions of the Agreement and were paid by the Claimant thereby consenting to the same. (It seems that they have worked out the late payment charges were £72 more than I have claimed andthe payments weren't paid thereby consenting, they took them without asking!)

 

7. The Claimant is claiming as a money claim a sum equivalent to that which he claims was unlawfully debited to his account over the term of the Agreement in late payment and overlimit fees. This claim is entirely based on the recent OFT statement on the alleged unfairness of such default fees. The OFT stated that the level at which default fees, though not the principle of default charging itself, was unfair in the context of the Unfair Terms in Consumer Contracts REgulations 1999. It also reported that the fees were, in its opinion, a penalty contrary to common law principles of damages for breach of contract.

 

8. The Defendant has agreed to abide by the OFT report and adopt a lower lever of default fees which it has set at the new industry standard of £12. Over the lifetime of this account the Claimant has set is default fees at £25, £20 and £15 (The Claimiant did not set the default fees, the Defendant did!)

 

9. The Defendant has made an ex gratia refund of £xxx, which is a sum exceeding the difference between (i) the current default fee of £12 and (ii) amount at which each default fee claimed wascharged to the Claimant, by refunding the same to the Claimant's account (Nothing ever offered or received)

 

10. The Defendant avers that that Claimant's claim is not a money claim but a damages actin and further avers that the Claimant's interest calculation is not applicable to this action or, if it is applicable, that is is not pleaded with any particularity and puts the Claimant to strict proof that this interest is owed and is calculated properly. (If they have not seen the claim of amounts (point 5) then how do they know whether or not the interest cacluation is correct? This was calculated and submitted)

 

11. Save as otherwise admitted, the Claimant's Particulars of Claim are denied and each and every allegation in the Particulars of Claim is specifically denied.

 

So there you have it, any comments or help in my response would be gratefully appreciated. Do I have to wait for the AQ before replying or do I reply directly to this letter from Mr. Brian Smith Solicitor CitiFinancial Europe Plc?

 

Thanks in advance.

 

 

Point 5 They usually do say this but you can show you did.

 

 

Point 6 Many of Cities defences with other claims have overstated the amounts,this again not unusual.

 

Point 8 God knows how they work this one out ?

 

Point 9 This is looking like a standard reply that obv is not applicable to you

 

 

Point 10 Absolutely correct what you say.

 

All in all nothing new then ...................

the bungling continues.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Guest Tracey284

Hi there and thanks for your help. Account currently open but hasn't been used in absolutely ages. Presumably next stage is for me to receive the AQ which I will then ask for help in completing please.

Link to post
Share on other sites

Hi there and thanks for your help. Account currently open but hasn't been used in absolutely ages. Presumably next stage is for me to receive the AQ which I will then ask for help in completing please.

 

Yep - post on here when you get AQ.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

it appears that they have finally got the message that our case did not set a precedent,is not applicable to England,and is subject to an appeal.

 

We didn't get a mention once in that "defence" ;)

 

If you fame is fading must be time to up the profile again:smile:

 

AFAIK they have been only writing about you in letters not defences.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Guest Tracey284

Hi Guys and the AQ arrived today and it has been transferred to the area where the claimant lives (thank goodness!) It has to be completedand returned with £100 by 13 December 2006. Please can I have some guidance on completing the AQ. Their defence is stated in my earlier thread. Thanks Tracey284

Link to post
Share on other sites

Tracey I have had 1/2 bottle of best Australian red...... but...

do you have to pay £100 for AQ...... I think you are below threshold

check with others before you part with your hard earned

KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

Link to post
Share on other sites

Guest Tracey284

Enjoy the other 1/2!!!

 

I do believe it is standard that I have to pay the £100 court fee but presumably will get it back when I win (hopefully) - please clarify this. Is the small claims track the most suitable track for this claim?:confused:

Link to post
Share on other sites

I put in my AQ for Citi claim last week, and went through it with clerk. It is for approx £800. No mention of paying anything.

KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

Link to post
Share on other sites

My claim against Citi is titled "Small claims track"..... seemed no problem at the county court.

KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

Link to post
Share on other sites

Guest Tracey284

Sorry, hit the wrong button............

On note H of the AQ it states that "You should note that if you donot pay this fee it might lead to your cliam being struck out (Rule 3.7)."

Link to post
Share on other sites

If your claim is under £1500 - then you do not pay any fee with AQ.

You ned to make mention in your AQ that Citi are routinely asking for the case to be transferred for to SAlford to be heard in secret.

 

Adapt this to suit your situation.

 

I refer to the defendants allocation questionnaire of which I received a copy form the court October 25, in which the defendant has made a request for the hearing of this case to be moved to Salford County Court.

I wish to object to the application for transfer on the following grounds.

1. The defendant’s application was made without notice to myself and I have not been given the opportunity to make representations.

2. I am an individual of limited means. I am a litigant in person and I am suing the defendant on my own account.

3. The defendant is a multi national company with access to huge financial resources whilst my finances are strictly limited.

4. Although the place of trial is at the discretion of the Court the normal and established practice is for the claims in which one of the parties is an individual, be transferred to that individual’s home court. In this case my home court is Bristol County Court.

5. The defendant, in their defence paragraph 10, had already admitted part of my claim and have now acknowledged the amount in issue is only £588.16

Order 26 to which the defendant refers to in thier application, normally is applied for the benefit of a claimant who is claiming as an individual.

The defendant refers to recent findings by the Office of Fair Trading, however it is clear that the Office of Fair Trading conclusions indicate very strongly that companies such as the defendant are acting in violation of the unfair terms in consumer contracts regulations. And therefore as the defendant continues its system of penalty charges in the face of the Office of Fair Trading report it is they who should justly face the burden of costs and not claimants in person who are merely seeking to enforce the law.

The defendant argues the virtue of having all cases transferred to the same court. There are presently at least sixteen cases, which have been transferred to the Mercantile Court in London so that the bank charges issue can be tested once and for all. The claimant respectfully suggests that if the Salford County Court will not return my case to the Bristol County Court that in the alternative this case should be transferred to the Mercantile Court in London to be heard before the designated Judge there along side all the other penalty charges test cases.

It is not in the interest Overriding Objective for my case to be tried in a court other than my home court of Bristol County Court.

I also understand that the defendants had asked that their evidence be received in secret without any opportunity for myself or any other person to have an opportunity to examine it in advance of the hearing. Furthermore I understand that it would not be possible to carry out any cross-examination in respect of that evidence and that I would have no opportunity to have the evidence scrutinised by my own expert or an independent expert, despite the fact that the defendant's evidence is likely to be of a technical nature.

I wish to object to the defendant’s request. It cannot be in the interests of the Overriding Objective to allow secret evidence to be taken during a small claim. Furthermore the question we are deciding is the lawfulness of the defendant's penalty charge system. The defendant claims that their evidence is" commercially sensitive". However the question of the defendant's penalty charge regime does not refer to their core business. Whilst it could well be the case that information relating to the defendants core business could indeed be commercially sensitive, the question of penalty charges relates to an incidental aspect of the defendant's business -- and which if the defendant is to be believed, produces no profit at all as according to the defendant, their penalty charges merely cover their administrative costs. It is also true to say that the defendant has in the past claimed that their costs are merely in line with those of other similar organisations. Clearly then, the defendant's penalty charge regime is not a competitive matter, according to the defendant it brings them no profit and therefore there can be no grounds for saying that the information is commercially sensitive.

If the defendant is insistent that his evidence is commercially sensitive then I would respectfully suggest that maybe this entire matter is better suited for a higher court such as the mercantile court in London or Bristol.

Yours faithfully

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Citi will routinely ask on their AQ for a hearing to be heard in Salford - above letter to be attached to AQ.

 

Guidelines for EX50 are here clearly states on page 2 that no fee is applicable http://www.hmcourts-service.gov.uk/courtfinder/forms/ex50_0406.pdf

 

What documents do you have that are saying you must pay?

 

Guidelines for AQ are here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Guest Tracey284

The Notice of Transfer of Proceedings states:

 

To all parties

 

A defence to this claim has been filed.

 

The claim has been transferred to the court covering the area where the claimant lives or carries on business.

 

Please read the accompanying documents carefully and noticethat the allocation questionnaire should be returned to the ......County Court.

 

All further communicatin should be addressed to:

 

The Court Manager

................County Court

etc.

 

The letter from HMCS states:

 

Claim No: xxxx

Claimant: xxxx

 

Dear Sir/Madam

 

The defendant has filed a defence. A copy of which is enclosed. An allocation questionnaire is also enclosed which contains guidance notes on how to complete it.

 

You must complete the enclosed allocation questionnaire on or before the xx December 2006 and return it, where the claim is over £1,500, the court fee of £100.00 to Willesden County Court.

 

The AQ states that the fee must be sent to the court at the same time as your completed questionnaire. If I pay it, can it be refunded if the case is won?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...