Jump to content


  • Tweets

  • Posts

    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
  • 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 6173 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

  • Replies 64
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 3 weeks later...
Guest Tracey284

Well, I am now really confused and hope someone can help.

 

Filed MCOL for £710 plus interest £161.76 and costs £80 on 02/11/06 and they have sent in a defence which I received from the Court dated 24/11/2006. I have sent my AQ back.

 

Today I received a statement and there is an item on it for a credit of £326 noted as a "late fee reversal". I have had no correspondence or notification of this.

 

Help!!!!!:confused:

Link to post
Share on other sites

Well, I am now really confused and hope someone can help.

 

Filed MCOL for £710 plus interest £161.76 and costs £80 on 02/11/06 and they have sent in a defence which I received from the Court dated 24/11/2006. I have sent my AQ back.

 

Today I received a statement and there is an item on it for a credit of £326 noted as a "late fee reversal". I have had no correspondence or notification of this.

 

Help!!!!!:confused:

 

Hi

 

I had similar happen to me if you have had your defence from Citi read it carefully - on mine they state that they acknowledge the OFT report blah blah and then credit you back the difference between the £12 and the actual cost of the charge. They then just apply it to your account without any notification.

 

Hope this helps

Link to post
Share on other sites

Guest Tracey284

Thanks for the reply and yes, you are correct, they stated in point 9 of their defence (see earlier thread) that they have given an ex gratia payment. They didn't do this until after the MCOL was filed and certainly never advised me in writing. In only showed on this month's statement! What happens now with regard to the MCOL?

Link to post
Share on other sites

  • 4 weeks later...
Guest Tracey284

Hi all and I am back from a glorious Christmas break and ready (just about) to continue where I left off.

 

I returned to find the Notice of Allocation to the Small Claims Track (Hearings) awaiting. Unfortunately they have given a date that I will be out of the country and have written to ask if it can be changed.

 

The order states the following and I be pleased for some guidance:

 

The following directions apply to this claim:

 

1. Each party shall deliver to every other party and to the court office copies of all documents on which he intends to rely at the hearing.

 

2. The copies shall be delivered by 4pm on Wednesday, 31st January 2007, and the original documents shall be brought to the hearing.

 

3. The defendant's documents do include a full statement of the claimant's account identifying all charges and interest levied in respect of purported late payments and returned payments or other defaults, specifying the nature of each such charge.

 

4. The defendant do clarify its case by delivering to the court office and to each other party by 4pm on 14th February 2007 a statement of the following: if the charges are found to be enforceable only insofar as they are a genuine pre-estimate of the defendant's losses, the amount of those losses and the basis on which they are calculated.

 

5. The claimant do clarify his case by delivery to the court office and to each other party by 4pm on 14th March 2007 a statement in reply:

 

6. Any party who wishes to rely on a reported or unreported case do deliver a copy to the other party not less than fourteen days before the hearing, and do provide a copy for the court at the hearing.

 

Please can I have some guidance. In (1) which documents do I have to deliver by 31st January 2007? Presumably the reply in point (5) is in relation to the points raised in (4) once I have receive this?

HELP - this is where it seems to get really complicated or is it just because I am a novice?!!!!

Has anyone been to Court with Citi and what happened?

 

Thanks in advance.

Link to post
Share on other sites

Relax Tracey, this is really good news!:) Your judge is wise to the situation and Citi should be squirming.

 

You have plenty of time in front of you to comply with the judges directions.

 

Both you and Citi have to submit your bundles to the Court and to each other by 31st January.

Then Citi have to try and justify their charges by 14th February.

You then have a month to respond.(assuming the case is still on!).

What date was set for the hearing?

 

Elsinore

Link to post
Share on other sites

Elsinore is absolutely correct in what he says - I have been working on a bundle for Citi claimants with someone else and will let you have it when we have the final bits in a couple of days.

This is geat news - Citi to justify costs and why they are relying on cases subject to appeal.

 

Which court is this Tracey and when is the hearing set for.

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

Link to post
Share on other sites

Yep, was there in person while Gizmo was compiling the bundle... as long as you are thorough and prepare well you should have no problems.

 

In fact i'd go as far to say that Citi have alot to fear in it's contents without going into detail.

 

A bundle will include your statements, schedule of charges, case law, correspondence between yourself and Citi, response to their defence, and any supplementary documents you wish to rely on in court.

 

One copy goes to the court, one goes to Citi and you have to retain one for yourself.

 

If you need any further help or advice either Gizmo or myself can lend a hand.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

Guest Tracey284

Hi Guys and thanks for the feedback it is really helpful. The case is due to be heard at Willesden County Court on 29 March but I have sent a recorded delivery letter today asking that it be changed.

 

The ex gratia payment that Citi said they offered in point 9 of their defence had not happened, but can you believe it, an amount appeared credited to my account, AFTER I issued proceedings. I am not going to withdraw now as I want the rest of the charges and my court fees back.

 

The items that I am intending to send are copies of the various letters sent asking for statements, asking for refund, LBA and the schedule of charges. Is there anything else that I should be sending in the package?

Link to post
Share on other sites

Get all your stuff together, if you get yourself 3 lever arch folders to enclose the copies of your bundles.

 

You`ll need copies of all your correspondence (Citi's letter to you/and if you kept copies of yours include these), statements, schedule of charges you are claiming, MCOL document (if you filed your claim online) or copies of your initial court paperwork for filing the claim.

 

The remainder, supplementary documents you`ll have to ask Gizmo for (I wont list here for the benefit of Brian), and response to their defence which we`ll help you out with.

 

Might seem a little daunting but if your put it together logical, using seperaters in all 3 folders for your sections it's not too difficult. One section will be statements, another schedule of unlawful charges being claiming, another correspondence, another supplementary documents and so forth.

 

The Standard Disclosure sheet (which will go at the very front) in the folder is a list of all the documents enclosed, you will have to number each page - with the front standard disclosure sheet acting as an index so the judge can quickly turn and identify any pages.

 

The ex-gratia payment. Citi as a rule credit your account automatically if it is still open. I am surprised they don't inform people, in my own case I requested a letter confirming the payment.

 

If you have not done so already you should write to the court in advance of sending your bundle in informing them that the defendant has made a partial repayment of your claim stating the amount. The court will take this amount into account when your case goes in front of the judge.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

  • 4 weeks later...
Guest Tracey284

Here's the latest - the direction from the Court was that all parties had to have the package by 4pm on 31st January. Guess what? I didn't receive anything from Citi. What should I do? Shall I inform the Court? I am so cross as it cost me a fortune sending my package special delivery to each of the parties and they haven't followed the directions?

Link to post
Share on other sites

I've PM`d you a line of action to take.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

Good luck tracy !!!

__________________

EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts

Monument CC: received statements, now need to send letters. . . !

BoS Current Account: Settled

Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!

 

:-D:p:D

This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales :D

 

Link to post
Share on other sites

Yes, continue with your claim as normal.... there are lots of people here to help you.

 

Their letter is the standard response that everyone receives when making an approach for repayment.

 

So far the case of LTWFB is the only minor victory for Citi, and that is under appeal. In addition the law in N.Ireland is different to that here, and as such you could question whether this example they quote in all their letters is flawed.

 

PS, TRACEY YOUR PM BOX IS FULL EMPTY IT SO I CAN GET IN TOUCH.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

  • 3 months later...
Guest Tracey284

Hi all you helpers out there and boy do I need help!!!! Citi didn't follow directions by judge to deliver documents to me by 4pm on 31st Jan 2007 neither did they justify their defence by 14th Feb 2007. The bundle of papers arrived from them today, 15th May. They have said the hearing is 25th May (although I believe it to be 29th May).

 

I have been sent a whole load of legal jargon that I really don't understand - their skeleton argument being 13 pages long, a witness statement from John Alan Jones, OFT statement April 2006, Citifinancial Default Fee Cost Justification, Dunlp Pneumatic Tyure Company Ltd -v- New Garage and Motor Company Ltd, Philips Hong Kong Ltd -v- The Attorney General of Hong Kong, Jobson -v- Johnson.

 

Where now? HELP!!!!!!!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...