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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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      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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Heyho! I ** Won !!! ** Ostrich v Abbey


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Send or take it to your local branch or head office. i dont think it matters as long as Abbey receive it. If u send it, send it at lesast recorded del

 

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Can I include unauthorised overdraft charges? And what about interest they've charged me while I was overdrawn? eg Abbey charged me £15 for being overdrawn (they wouldn't give me an overdraft!) and then charged me £0.94 for interest charged while I was overdrawn. Can I include these charges on my spreadsheet which I'll enclose with my letter?

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  • 1 month later...

Here's where I'm at:

 

1) I sent the initial letter to Abbey asking for a refund of charges (£3,200).

2) They didn't reply within 14 days so I sent the letter before action.

3) They replied offering a Goodwill gesture of £800. They've even credited my account with the £800, even though I haven't responded to them yet.

4) It's now past the 14 days - today is day 18 (I was on holiday), so what do I do? Do I reply to their letter refusing the money or do I accept it as part-payment? Is there a letter in the library that I can use? If not, can someone help me word it please?

5) Do I also now start the court proceedings? If so, can someone again please guide me through it? Or check what I'm doing? I'm terrified I'll mess it up, even though I've read loads of stuff on here about it!

 

Thanks guys.

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Hi Ostrichm Ok I presume that you have filled in the spreadsheet with interest? if not there is a link at the bottom of my signature.

 

YUou can write to them, thanking thm for their gesture and saying that you will accept it as part payment and persue them for the rest, please check to see if they have already credited your account. if they have ask them what charges these are in relation to and deduct them from your claim.

 

If they havnt, send the LBA and file on MCOL or in person at your bank there is an N1 that you can complete and some help with filling it in on here.

 

Now that you have your own thread, keep posting any questions or queries on here and we will help as best we can.

 

Good luck and welcome :-D

  • Confused 1

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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OK, I'm stuck again. I'm really struggling with the spreadsheet now. I have already made up a (long) spreadsheet showing all charges, which I sent to them with my original letter. I'm sure I used a template from here to create this original template, but i can't seem to find it on here now! Can I adapt this spreadsheet to work out the amount plus 8% interest? Is there a simple way of just adding on the 8% interest? Or do I have to type it all into a new spreadsheet? If so, which one? I can access Excel.

 

I'm getting really frustrated with myself now because I'm just worried I'll make a stupid error!

 

Thanks for any help.

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Ok, I'm breathing deeply and calm again ;o)

 

Thanks a lot for that link, that's the version I used originally (without the 8%). I've now used the one you linked to, with the 8% column. However, I believe I need to deduct the £857 whcih they have already credited to my account as a gesture of goodwill (for the period October 2005 to September 2006). Do I therefore delete some of the latest amounts from the spreadsheet or do I simply add another row detailing why I'm deducting £857 eg

 

Amount deducted due to part payment £857

 

If I should delete some of the later charges, how do I do this because the amount they have offered as a gesture of goodwill is actually only part of the charges they hit me with for the period stated ie Oct 05 to Sept 06.

 

Sorry, I hope you can understand this....

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Starting from the latest charges go back until they reach £857 and overwrite the 8% column to 0. Since they have refunded these before your court claim you can't claim the 8% on these, but being the latest charges you are losing the least amount of 8%. Then deduct £857 from the charges total to show a new total.

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This is how the bottom of my spreadsheet looks:

 

CHARGE FOR CLEARING DD/SO£30.0005/04/2006173 £1.14CHARGE FOR CLEARING CC PAYMENT£30.0006/04/2006172£1.14CHARGE FOR CLEARING DD/SO£30.0007/04/2006171£1.13CHARGE FOR CLEARING CC PAYMENT£30.0010/04/2006168£1.11CHARGE FOR EXCEEDING O/D LIMIT£20.0009/05/2006139£0.61CHARGE FOR CLEARING DD/SO£30.0009/05/2006139£0.92CHARGE FOR CLEARING DD/SO£30.0010/05/2006138£0.91CHARGE FOR EXCEEDING O/D LIMIT£20.0017/05/2006131£0.58CHARGE FOR CLEARING DD/SO£30.0025/05/2006123£0.81CHARGE FOR CLEARING CC PAYMENT£30.0012/06/2006105£0.69CHARGE FOR CLEARING DD/SO£30.0012/06/2006105£0.69CHARGE FOR EXCEEDING O/D LIMIT£20.0017/06/2006100£0.44CHARGE FOR CLEARING DD/SO£30.0027/06/200690£0.59CHARGE FOR CLEARING DD/SO£30.0004/07/200683£0.55CHARGE FOR CLEARING CC PAYMENT£30.0010/07/200677£0.51CHARGE FOR CLEARING CC PAYMENT£30.0010/07/200677£0.51CHARGE FOR CLEARING CC PAYMENT£30.0011/07/200676£0.50CHARGE FOR CLEARING DD/SO£30.0012/07/200675£0.50CHARGE FOR CLEARING DD/SO£30.0012/07/200675£0.50CHARGE FOR EXCEEDING O/D LIMIT£20.0008/08/200648£0.21CHARGE FOR CLEARING DD/SO£30.0008/08/200648£0.32CHARGE FOR CLEARING DD/SO£30.0008/08/200648£0.32CHARGE FOR CLEARING CC PAYMENT£30.0008/08/200648£0.32CHARGE FOR CLEARING CC PAYMENT£30.0008/08/200648£0.32CHARGE FOR CLEARING CC PAYMENT£30.0008/08/200648£0.32CHARGE FOR CLEARING DD/SO£30.0008/08/200648£0.32£3,447.00£460.91£3,907.91

As you can see, the last 31 charges amount to £870. They have offered me (and paid into my account already) £857. Do I reduce the 8% interest column on these 31 rows to 0? And do I leave the charges amounts on the spreadsheet as they are, but add a new row under the total saying 'Less amount as part payment - £857'

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I'm at the court stage with Abbey now and need to either complete the N1 form or do the money claims online. I've received a GOGW from them and I have written back to say I have accepted it as part payment. I've now adjusted my spreadsheet with this amount deducted at the bottom (I've worded it as 'less part payment').

 

I really need some help now with completing the court form though. Is it easier to do the N1? Can someone guide me a bit please?

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Ostrich do you have a thread of your own ?

If you look in the templateslibrary there are some suggestions for the particualrs of claim.

If you want to see what others have put my POC are posted on Glenn vs abbey.

HTH

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Oh I have just realised what you mean about having a thread of my own. Should I be posting everything in the same thread?

 

Thanks for the help re particulars of claim.

 

I have now completed the form as follows. Could someone check over it for me and help me where I'm stuck?

 

1) I'm worried I haven't filled in the 'Value' section correctly. I'm claiming £3,447 bank charges plus the 8% interest but do I put 'less part payment'? Abbey gave me a GOGW payment and paid it into my bank account. I wrote to tell them I'd accept it as part payment. Also, do I include the court costs here or just in the section allocated at the bottom of page one?

 

2) I'm also concerned about the wording of 5) on page 2, particularly the amounts and interests. Have I got the amounts right? I'm scared of getting it wrong!

 

Thank you so much for any help.

 

Claimant: my name and address

 

Defendant: Abbey National plc, 203 Triton Square, London NW1 3AN

 

Brief details of claim: Unlawful bank charges

 

Value:

Total charges £3,447.00

Total interest at 8% £ 443.04

Less part payment £ 857.00

Total - £3,029.64

 

Court costs £ 120.00

 

 

Amount claimed: 3029.64

Court fee: 120.00

Solicitor's costs: ---

Total: 3149.64

 

 

Particulars of claim:

1. The Claimant has an account Account No ("the Account") with the Defendant which was opened on or around December 1996.

2. During the period in which the Account has been operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

3. A list of the charges applied is attached to these particulars of claim.

4. The Claimant contends that:

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £3,447 and any interest charged thereon;

b) Court costs;

c) Interest pursuant to section 69 County Courts Act at a rate of 8% a year from XXXXX to XXXXXX of £443.04 and also interest at same rate up to the date of judgement or earlier payment at a daily rate of £0.66p

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Out of interest when did you write to the bank accepting the

GOGW?

 

I have heard of them withdrawing amounts when the claimant only accepts its as a part payment.

 

So im not sure I would mentuion it in the claim.

 

If you have the money and they cant withdraw it then amend the claim.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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