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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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Missgiggles v Natwest


missgiggles
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If you need to add something to this thread then

 

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Start your own new thread

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Thanks

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Thanks a lot muggins!!

I've got it all sorted!!

Going to sent the prelim letter off tomorrow!

Getting nervous now, but going tp press ahead with it, I could really do with that money!!

 

Just so I've got this right, i give them 14 days to reply to the prelim letter?

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Yes 14 days, then the LBA, you may not have to go the full distance because the amount is relatively small, but be prepared.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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  • 4 weeks later...

Hi Everyone

 

Sorry haven't been posting recently, found out I'm being made redundant so had all manner of stuff to sort out.

 

Hopefully going to get back on track with my claim now tho.

 

I have all my statements and have added them up (£350) I'm trying to do my spreadsheet, and remember doing one in Google? However I can't find it now, can anyone point me in the right direction please?

 

Thanks guys

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Sorry to hear your news, bummer.

 

To do your spreadsheet use one of the templates provided in the bank templates section

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

The simple spreadsheet calculates the total penalties charges (and the 8% interest bit you use when you make a court claim). the advanced one works out the total penalties charged, interest, 8% interst, overdraft interest, 8% interest on overdraft interest.

Take a look at each, both are realitivly easy to fill in, the latter is a little more difficult to understand!!!

Any probs then get back to us.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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  • 2 weeks later...

Hey Missgiggles,

I'm also sending my Preliminary letter to Natwest tomorrow to get back £421 in charges.

Wanna compare how we go? I will start my own thread too and post updates as they happen.

Good luck! (not that it really sounds like luck has much to do with the process)

Cheers x

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  • 2 weeks later...

Nope not a thing for me either ... gonna have the LBA letter ready to go for Monday morning, asuming nothing comes in on Saturday's delivery.

 

I sent a really small claim to Barclays on the same day as this Natwest one, got a letter today saying 'thanks for your complaint, it will take us 4 weeks to look into it'. So their next letter goes in the post on Monday too. I'm not hanging around waiting for their deadlines to come and go ... they can keep up with mine :)

 

Cheerio missgiggles, I expect we'll both be at the post office on Monday.

 

Jx

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Recieved a letter in post today from Natwest offering £301 as a full and final settlement!!

Can't believe they caved so quickley, although I'm assuming its because its such a small amount?

Of course I am not accepting it, I know its only a case of £60 but every little bit helps!!

So am I right in thinking I need to send a 'rejection letter' ?

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Hi Everyone

 

I have just joined the site today, and am in the process of getting my head around it all!!

 

I bank with Natwest, I have my own current account as well as a joint account with my partner.

 

Even though my current account has had a £0 overdraft for the past year (I worked my ass off to clear it) there was a period of around 3 years when I was constantly living in it!! Can I claim my charges back from this period?

 

I have recently had a baby so the money will come in handy!!

 

I am going to send my ' statement request' letter via recorded delivery in the morning.

 

Wish me luck

 

:)

Hi, I am also new to this site and have just claimed back bank charges from nastwest for the period 2002-2007 I got back all my charges and it only took me 2 letters, 1st to ask for statements for that period. 2nd to calculate how much and send list of charges to natwest, they paid up without a fuss. It took me less than a month to get my money from the first letter sent. Please pass this message on. Ynysllyn
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Hi, I am also new to this site and have just claimed back bank charges from nastwest for the period 2002-2007 I got back all my charges and it only took me 2 letters, 1st to ask for statements for that period. 2nd to calculate how much and send list of charges to natwest, they paid up without a fuss. It took me less than a month to get my money from the first letter sent. Please pass this message on. Ynysllyn

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I'm posting the rejection letter tomorrow!!

Just started my boyfriends claim cos herard something about the banks stopping people claiming after the end of this month? Not sure if thats right or not?

x

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  • 2 weeks later...

Hi Guys

 

I sent my rejection letter off last week and they have until Tueasday to reply, not holding out any hope of a payout, even though its only a matter of an extra £70!!! Tight fisted £$"&

 

MissGiggles:mad:

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Hey missgiggles - doesn't matter if it's an extra 700 or 70......... it's your cash and they took it and you want it back! END OF!!!!! Good luck xxx :p

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Yeah, best of luck!

I still haven't heard anything of my claim ... deadline for response to LBA has just passed, so I guess it's on to the courts for me.

Just think what else you can buy with that £70! (oops ... i started daydreaming about bags, shoes, bottles of champagne.....)

Hope you hear something soon.

Jx

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i have an advantage gold account with a £5000 overdraft limit with natwest and am constantly living in it. I am charged every month between £40 and £50 pounds. I know £12 is for the avantage account but the rest i think is interest for being overdrawn. Can i claim back this interest.

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Guest NATTIE

Only interest on charges, and jackmann i did tell you in the chatroom that you need to start a thread of your own. On this site your story is important and we all like to read how your claim is going. so natwest thread top left "new thread" and we have all that you want to tell us.

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Right so their deadline was today and no reply to rejection letter, so I guess now its onto court proceedings?

 

Can anyone just run me through it please to make sure I've got everything sorted?

 

Thanks guys

 

x

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