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    • 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).
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    • 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.

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Karl and Lloyds in a tree...


KarlEdmunds
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Hi guys, I have followed this site briefly over the last month and only several days ago received my bank statements but there a few problems before I continue to the next stage.

 

My request for bank statements in the past six years listed all four of my accounts, and I sent a £10 cheque along with the letter. Was this the correct thing to do or should I have posted an individual letter and cheque for each account?

 

I have only received my Credit card statements, and none for the other three accounts. Will these arrive soon assuming I completed the first step correctly?

 

I recently upgraded my Credit card to platinum to reduce interest for 19% to 15% therefore I assume my Gold account is closed. Will this prevent me from claiming the £238 worth of charges?

 

I look forward to your advice and the return of my hard earned cash :)

 

regards

 

Karl

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Hi Karl.

You can reclaim charges from an account whether it is open or closed....makes no difference.

 

They have 40 days to comply with a Data Protection Act SARs request... you didn't say how long ago you sent it. Did you definitely put all the account numbers on the letter?

 

Personally, I would contact the bank and tell them that they still have not complied with your request. Tell them if they don't comply, then you will report the non-compliance to the Information Commissioners Office.

 

Good luck.

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Thanks Rooster.

 

I sent it the 25th November, I'll give them a few more days. All the account numbers were correct, just checked the copy.

 

It is absolutely ok to put more than one account on the data protection act letter then?

 

When it comes to court (assuming it does) will I have to file a separate case for each account or for the total sum?

 

Karl

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I have just noticed in another thread that people have been sending their SAR to

 

enny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48, Chiswell Street

London

EC1Y 4XX

 

I sent mine to

 

Lloyds TSB Bank plc

25 Gresham Street

London

EC2V 7HN

 

Now obviously this can't be too much of a problem because I received the statements fro my credit card account but if I am to complain about not complying with my 40 day deadline who should I write too?

 

Karl

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You will find a suitable template letter here.. .. .. .....

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Which you can edit to suit you circumstance.. .. .. ......

 

Good luck

 

S

 

Thank you very much, was looking around myself. Can be quite hard to find things on this site :p but regardless, it's a fantastic resource.

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Well blow me down, I just realised I can order statements using online banking. How I didn't notice this before is beyond me, since falling into the money trap a few times I have become an excellent accountant and use internet banking daily.

 

Would it be worth writing to them anyway because I have already started and they're late or should I just order them online?

 

edit: it only goes back as far as 2002 though

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I'm just tidying up my final S.A.R letter for the remaining accounts, is there anything I should add?

 

Thanks for the template :)

 

Penny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48, Chiswell Street

London

EC1Y 4XX

 

11th January 2007

 

Dear Penny

 

Account: Axxxxxxx, Bxxxxxxx, Cxxxxxxx, Dxxxxxxxxxxxxxxx

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 24th November 2006. The disclosure of personal data is incomplete in that at least the following documents are missing.

 

You have failed to provide me a complete list of transactions and charges for accounts Axxxxxxx, Bxxxxxxx and Cxxxxxxx.

 

I have however received a complete list of transactions and charges for account Dxxxxxxxxxxxxxxx.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours faithfully,

 

 

 

Karl Edmunds

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I posted this morning, recorded delivery. Can't wait to get this under way properly. I'm really looking forward to the process and if I'm honest I hope they will defend and allow me to add interest so I reclaim more money.

 

greedy I know :p

 

regards

 

Karl

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Hey thanks Barty

 

Don't worry, for the time being this place will be my second home. I am just reading and re-reading and re-reading everything I can find. It's an inspiration to read some of the successful claims too.

 

Karl

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  • 4 months later...

Well, I have to confess this place wasn't my second home:o

 

I have been so lazy the past few months, there was lots going on but really I have no excuse.

 

On with the claim I say, this time I will not be distracted!

 

Ok I'm currently filling in the compound sheet with my charges (I haven't sent a request for refund yet).

 

I'm assuming I have to fill a new spreadsheet for each account?

 

Is there anything else I need to know about contractual interest, why would I only claim 8% if I can claim much more?

 

With my initial request for a refund can I include the contractual interest or will that have to wait until this goes to court?

 

What is the APR?:o is it 29.8%?

 

I am reading everything I can honest, and I apologise if my questions should be obvious from the material on this site. I'm getting there :)

 

regards

 

Karl

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Is there anything else I need to know about contractual interest, why would I only claim 8% if I can claim much more?

Put simply, becouse there is no basis in law for claiming interest at the banks contractual rate.

 

Be aware that should you claim it, its likely that it will be defended.

 

Have a read of this thread posts #82 to #88 -

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/83199-business-claim-1992-onwards-5.html#post846824

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Thanks for that Gary. Very interesting. It may be best to go for the 8% and be happy. The extra cash would be nice though :p

 

One more question if you wouldn't mind

 

When I request a refund do I send seperate letters for each account (select, graduate, platinum MC) or do I collaborate the charges in one request?

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I know, its understandably tempting to go for CI but unfortunately many have come unstuck by claiming it. There is no legal basis for it, so basically you're relying on the bank paying it before court - which is fine if they do, but Lloyds have started to defend them lately and in the current climate its not worth the risk. Best to stick with what your entitled to IMO.

When I request a refund do I send seperate letters for each account (select, graduate, platinum MC) or do I collaborate the charges in one request?

By all means collaberate them all in your prelim and LBA letters, but file a seperate claim for each. In fact, the 2 current accounts should be ok on a single claim form, but certainly keep the CC one seperate - its got a completely different set of Terms & Conditions.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hey there, I'm a little stuck once again:oops:

 

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

 

I am using the advanced credit card spreadsheet and I'm confused on the interest columns.

 

I am entering the interest only for the month in which I was charged.

 

Is the statement balance clolumn before or after credits to the account because my statements just show a final balance

 

For example

 

16th Sep 2002

 

transactions

.

.

16th sep - late charges £18

16th sep - protection plan £3.08

16th sep - interest £.15

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

 

Do I put the statement balance as less than what my monthly payment was so for example I paid £50 that month. I put the balance as balance-50,a nd amount paid as 50.

 

Hope that makes sense

 

Karl

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rereading that makes no sense even to me, I'm sorry. I'll try to clarify it a bit more.

 

The columns and an example monthly statement from 2004 is below.

 

Statement date : 17th May 2004

Balance from previous statement : £3757.55

Credits : £70.10

New transactions & charges £168.22

New balance : £3855.67

 

The new balance considers the late charges, the interest and my payment of £70.01. So how do I fill in the following columns.

 

Interest Charges - Statement Balance - Amount Paid - Remaining Balance
--------------------------------------------------------------------------------
    51.99         don't know             70.10        auto calculated

 

Is the remaining balance supposed to show my ending balance for that month which is £3855.67?

 

Neither of those values for statement balance return the correct new balance on my statement, so should it be entered as £3785.57 which is my new balance minus my £70.10 credit.

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Bump #23

 

I am just preparing my preliminary letter ready to be printed when I have clarified my spreadsheet data.

 

I just need to make sure that I have this right. I'm claiming for three accounts. Select, Graduate, Platinum MC.

 

Do I send one preliminary letter or two (select & graduate, credit card)?

 

If sending two letters, do they go to the same address and same recipient?

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