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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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      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.  

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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.

      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
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Bandit v NatWest - The Full Story And Finally**WON**


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Oh yeah, good point about the c.a!! hmm! i'm going to refuse to agree to it with mine - but he's not interviewing me! i didn't do the MP letters etc.

 

Also, as a footnote, did you see on Watchdog tonight? they said at the end that they want to hear from people regarding bank charges!!

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Dont forget Kerry......lots of people are signing the ca not just to end the matter and get the money quicker.........there is an ahem (cough again )....mutual interest between claimant and defendant..........I dont blame anyone for asking for some mutual benefits to sign........in fact these mutual benefits can represent up to 50% of the claim itself......nuff said.......:rolleyes:

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.

 

 

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  • 3 weeks later...

I am afraid you will have to be prepared for all options.

However the likelyhood of you having to go to court is very very slim and if you read the threads in the Bag you will see that.

There is the coury buddy system if it does mean you having to go which should mean you wont be alone !

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.

 

 

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  • 2 months later...

hello i was wondering if you can help, due to a breavement i have fallen behind with my shedule, even more so it all happened when i should have been filing a claim its been about a month can i still just go ahead or should i send another letter to the bank? i gave them 2 weeks before.

sorry to sinle you out i've got confused

thanks

frankie x

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  • 5 weeks later...

Hi there,

I am waiting for my nat west statements from a now closed account in 2002!! ... I sent the first letter and then they lost that.. so I sent another stating they lost the first and then got a reply asking for a fiver cheque to be sent. That was on the 25th Jan. its still not cashed. Grrrrrr

 

How long did your statements take to come through??

 

:-?

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Hi all,

Can i add my credit card account number aswell as my current account, both are with NatWest bank

I would appreciate any advice, i have downloaded the template and filled it out?

What method of payment should i use for the £10.00 charge?

doing a great job?

coax_guy

P.s. Good luck to all of you!!!

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  • 2 weeks later...

Hi there , I am new to this forum. I sent my banks a primilinary letter with my schedule of charges, after 12 days i had a reply,,,, it was written by a customer Care representive, stating due to the nature of the issue they need to forward my concern to the customer relation unit, and that they will contact me within the next ten days.

Is Customer Care Team and CUstomer Relations Unit pretty much the same thing, they do state i can contact them before 10 days with a number provided, but i would prefer to converse by letter.

 

Does this sound like progress ....?

 

Please repspond

Patrick

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  • 2 weeks later...

I have just filed a small claim for £400 to yourkshire bank.They have acknowledged the court papars but have 28 days to respond .I attached my acc no and sort code with the claim but not my bank statements.I can prove the bank have the copies I sent them as I sent them recorded delivery.Is this ok?I know its not alot of money comapered to others but its alot to me! Lol -Sarahx

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Guest NATTIE

Ok, guys sounds like a lot of you have been on Money Saving Expert to me, You all need to start you own thread on the relevant bank thread, so bank forum click top left and then new thread. OK? then to return user cp which will list all the threads you have posted on. I only came accross this pages threads as it was quiet and spotted a new name. thank you. You can get help from experts if it is on your own thread and it tells your story

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OMGoodness, Ive just spent about half an hour reading this entire thread. Im amazed, fired up, laughing like a drain, and also just totally inspired by Mr. Toilet Bandit. What a man. I totally felt his pain throughout the process the Nastywest put him through, but what a guy. Not perturbed, disturbed, or knocked off the path of justice. I havent laughed so much in ages, at some of the posts on here. Was feeling a bit down about the process so far, but this has just completely inspired me to carry on with my own. My own post already started fendy - v- Natwest, so will carry on posting on there with step by step. Just filed MCOL today so will keep everybody posted. In case you do log back into this at any time in the future Mr. Toilet Bandit. I THINK YOU ARE AN AMAZING HUMAN BEING. I cant say well done enough, and I wish you such a happy life. All round good guy I think. Not many of them to the pound. ABSOLUTELY UTTERLY WELL DONE, MY ADMIRATION FOR YOU HOLDS NO BOUNDS. Thanks for the inspiration when mine was flagging a little. I just hope I can hold my nerve with the same dignity you did throughout. I think you should write a book. Your posts were hilarious whilst also being serious. I had tears running down my face at times. Thankyou thankyou thankyou for cheering me up and onward in this fight with the vultures in this world.

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  • 3 weeks later...
Guest PelhamJamesJnr

I'm so glad to read this account and victory over Nat West Thank you for allowing me an insight of what is to come i began my fight for justice today. Congrats once again

Yours PelhamJamesJnr

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HELP!

 

Hi all, these threads are addictive, have been at work for an hour and not been off this site yet!!

 

Can anyone help? I have been posting on Moneysavingexpert and someone gave me this link for help, what nice people!

 

Well I started my claim back in October and I am still waiting, I received a order of judgement to reply to Cobbets CRP18 which I did and also attached my own further request for information, much the same as everyone else, I gave them until 23rd March to answer and of course have heard ZILCH!! Can anyone suggest what I do next? Do I write to the court, if so what do I say?:oops:

 

Fellow claimaints help!

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  • 3 weeks later...

Hi all

 

I'm very very new to this and I'm a little wary to say the least.

 

I've sent my letter requesting statement or a draft of charges over the last six years.

 

They are quite clever as I received a mountainous envelope of statements for the last six years and to be honest I'm not sure what I've been charged, but I know I have.

 

My husband and I went into overdraft and they charged us 16.99 percent interest and informed us on our statement that if we exceed a level it will be increased to 29.5% interest.

 

Question: Are they allowed to do this...should I be claiming this back to?

 

Where we have had insufficient funds to pay for a direct debit or cheque does this come under:

D/D - £30.00

 

and is this the figure I should be claiming back?

 

Please help.

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I have just only read this post from start to finish.

 

Toilet Bandit - you are the citizen smith for the banking fight.

 

Your wit, determination and fighting spirit has instilled me.

 

I have just received, in a broken package delivered by the post office with an apology for 'damaged packaging' 6 years of statements. Not withstanding the potential of ID theft I am now going to check I have all my statements.

 

You have inspired me to fight for my money back of which there is at least £2,000 to fight for. I thought I was brave until I embarked on this little crusade, but I find my nerve going every time I think about it.

 

Your continued posting, your step by step eventful path on the way to your reclaiming what is rightfully yours has inspired me.

 

You truly are a Citizen Smith!!!!

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Just out of interest, how long did it take you to get your statements. I'm waiting for mine to come but they haven't cashed my cheque in yet..? Is your bank Natwest?

 

Thanks - enjoy totting up your charges... just think you'll have that money back in a few months!

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Just out of interest, how long did it take you to get your statements. I'm waiting for mine to come but they haven't cashed my cheque in yet..? Is your bank Natwest?

 

Thanks - enjoy totting up your charges... just think you'll have that money back in a few months!

 

I waited over the 40 days (approximately 50 days from my sending the letter to them) but they arrived in a parcel repackaged by the post office as it was damaged and torn, and they will be getting a similar letter that Citizen (Bandit) Smith wrote, in fact he's so very good I'm going to plagerise his letter!

 

I'll be totting up the charges, including interest as we had no contractual overdraft, they just kept sending us letters saying they were increasing the interest on the charges.

 

I know I'm going to have a fight and yes I'm also apprehensive, but I've got nothing to lose and everything to gain.

 

We are currently working on keeping our costs down, I'll be working full time teaching soon and we should be able to do that.

 

From what I understand, the banks have us all in a psychological loophole. You feel as though whilst they are not rejecting payments and they are charging you, you feel 'phew, at least it's gone through I'll live with the costs'. What we don't realise is that we don't have to live with these costs as they are fundamentally carpetbagging those that are finding managing, cost of living difficult at different times in our lives. They in fact make it more difficult for us.

 

The individual that started the ball rolling on all of this was a very brave individual with a strong sense of right and wrong, as we all are, but that individual stood up and fought, but not in vein, as look as what that person has started here. Just look at these forums....who said the little person hasn't got a leg to stand on????? We have and we should take heart from that...the proof is in these forums.

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HI... Well done toilet bandit. I have just read through your story and my fingers are numb from holding the mouse for so long!! I am a newbie and have never posted a thread but i found your ordeal amazing.

I am just sending my LBA to Natwest and i have not received anything back from them at all...it's like they're ignoring me. My claim is for £529.70 and am dreading the prospect of having to go to court but needs must and all that. Well I just wanted to congratulate you and I hope I have as much tenacity as you do!! WELL DONE!!!

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Teh charges on your statement will read Charge £30 or Paid referral fee, where your statement reads D/D £30.00 this is the amount of the D/D not the charge.

 

Good Luck:)

 

the £30.00 is the charge for my statement.

 

The direct debits were 181.00 and then it gives you the charge in D/D £30.00 and my account went up in the red £30.00 each time.

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