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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
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LLoyds have just offered £750 refund vice £3500


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Thanks for that advice and link to the letter. I will use that template and reply tomorrow. I assume they will not take it as a part settlement. Sorry I'm not as regular on this great site - I'm away on businees alot and have little time to catch up and join forums. Once again many thanks - miinnienee.:(

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Thanks for that advice and link to the letter. I will use that template and reply tomorrow. I assume they will not take it as a part settlement. Sorry I'm not as regular on this great site - I'm away on businees alot and have little time to catch up and join forums. Once again many thanks - miinnienee.:(

 

 

thats funny lloyds tsb just offered me £750.00 to after telling me that they was not going to pay any back at all

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Thanks for that advice and link to the letter. I will use that template and reply tomorrow. I assume they will not take it as a part settlement. Sorry I'm not as regular on this great site - I'm away on businees alot and have little time to catch up and join forums. Once again many thanks - miinnienee.:(

 

its cool when you have the time you should read as much as you can

also ask any questions you need to people will be able to help if you are not sure of things.

 

good luck with your claim and have a good xmas. you will get your mony back

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hi

funny but thats what they have offered me and i am just going down the small claims route. my claims is for nearly 3000 as well, must be standard amount they offer

 

Must be! They sent me the same today as well and my full claim is only £1600. Reading some of the other posts on here, TSB have paid a bit out this last few days!

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

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  • 4 weeks later...

I also received a letter on friday the 12-1-07 saying they will credit my account £750 in the next few days. This is a good will act my behalf of the bank and does not affect your right to claim full money back from them. If they are not in the wrong why offer this money.

 

I am filing court papers this wednesdy 17-1-07.

 

Can anyone give me advise of what to do now ?

 

How has had joy with Lloyds TSB.

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I would guess it is partly because you then lose the right top claim statutory interest on that £750, but mostly in the hope that you will be satisfied that you have some money and just drop the action.

 

My advice would be to absolutely and completely refuse any offer from lloyds unless it is the FULL amount owed, including any interest.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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I am still charging Lloyds the statuary interest which makes my claim nearly 5K. When this goes to court, and my charges are given back, they will take into consideration the £750 they have already given me. And deduct it of the final figure. I will also put court charges on top of that.

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I am still charging Lloyds the statuary interest which makes my claim nearly 5K. When this goes to court, and my charges are given back, they will take into consideration the £750 they have already given me. And deduct it of the final figure. I will also put court charges on top of that.

 

You cannot claim statutory interest on the £750 unless your claim has already been filed. If they repay it before you file your claim you cannot charge them statutory interest on it.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Hi Everyone - I'm in the same situation. Lloyds have also offered me the £750 repayment which I have thanked them for while continuing my claim. I'm very confused about how this now affects my schedule of charges and the interest.

I have had a response to my own thread confirming that we cannot claim interest on the £750 and need to remove the charges and interest from the schedule. I saw somewhere else the following guidance 'divide 750 by the number of charges and take that off each charge e.g. 750/30 = £25. £25 to be taken off each charge.

 

How should this be done in practice? Should it be evident on the schedule that there has been a £750 repayment? Has anyone done this?

Regards, Seesaw :)

 

04Nov06 Registered with CAG, completed S.A.R - (Subject Access Request).

06Dec06 Statements received.

08Dec06 Sent pre-lim letter requesting repayment of £1615 with schedule of charges

23Dec06 Received initial rejection response from recovery centre.

30Dec06 LBA sent with schedule of charges

12Jan07 £750 partial settlement offer received

14Jan07 Rejection settlement letter sent

19Jan07 N1 Claim filed at county court

09Feb07 Acknowledgement of service from Lloyds

19Feb07 Notice that defence has been filed & AQ provided

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no you don't lose the interest on the £750! who said so? You include interest on the whole amount despite them reimbursing the £750 charges.

 

I think you'll find that s69 statutory interest is only applicable once the claim is filed. You are not claiming for the £750, therefore you cannot charge interest on it. You charge 8% statutory interest on the amount you are claiming for only.

 

Contractual interest is a different matter of course.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Hi Everyone - I'm in the same situation. Lloyds have also offered me the £750 repayment which I have thanked them for while continuing my claim. I'm very confused about how this now affects my schedule of charges and the interest.

I have had a response to my own thread confirming that we cannot claim interest on the £750 and need to remove the charges and interest from the schedule. I saw somewhere else the following guidance 'divide 750 by the number of charges and take that off each charge e.g. 750/30 = £25. £25 to be taken off each charge.

 

How should this be done in practice? Should it be evident on the schedule that there has been a £750 repayment? Has anyone done this?

 

Yes the most accurate way thatyou could reasonably be expected to use would be to divide the repayment by the number of charges and subtract the result from each charge as you say. I would include the original schedule (before any changes), then also include an updated schedule showing each charge has been reduced, and of course use the figures from the updated schedule on all paperwork.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Iam Going Through A Claim With My Freind And They Too Have Offered Him The 750 As Full And Final Settlement And His Claim Is For 1600,(of Course He Is Refusing)

Makes You Wonder If This Is A New Tactic To Confuse And Save On Interest On Final Outcome,especially If They Pay Into Your Account,

Their Not Losing Out As Much In The Long Run And Could Win In The Short,also It Keeps Sachiai And Co From Piling Files Up On Their Desk...how Many Of Us Are Going To crumble .stay Focused All.

 

 

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Can anyone help me. If I touch the £750 that Lloyds sent me does it affect my claim in the small claims court.

 

Also when I claim for £4595 in the court do I add the interest on at 8% then take of the £750 that has already been paid.

 

How do you figure out the interest rate. I read that you add on interest from the first time the bank took money out of your account.

 

Please help completly confused.

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I have also been offered £750, this was put into our bank last week, I filed in court for the full amount over £11000, the next day, not yet realising - (although my husband knew) the £750 was in the account, and the money was actually available.

I am now a bit worried that this will complicate matters for me at the court. Do I make an ammendment at the court now that I know? or just wait and see what LTSB do next?

I was advised to take the £750 from the most recent charges so that it does not affect the interest that I am claiming too much.

meaning I think that I would not be able to claim interest on the £750 charges that they refunded as this was before the court papers were filed.

Does this make sense?

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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my wife has just been offered £170 against "600 by lLloyds. She is using th Obudsman for thge moment. They phoned her about this offer and they were not happy so they are going back to further sort things out. If they cant get the correct ammount to court we shall go

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