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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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      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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Now it's my turn!!!


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Hello all,

 

I posted the template to the Halifax asking for all details of charges form the past six years on the 21st April. The cheque for ten pounds was cashed on the 10th May. I assume I will be receiving my statemennts shortly.

 

The account in question has been closed for a good six months, and we owe some money on a credit card and loan which is being paid off slowly but at a rate we can afford. All accounts with the Halifax have been closed, could they just offset any refund against the money we owe them, or do we directly recieve any justified refunds?

 

Thanks for any help, or if anyone is in the same situation what happened with you.

 

If any refund is forthcoming, I think it is definitely a good idea to donate a portion to this wonderful site.

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i dont think they could use the refunded money to pay the money back you owe... the refunded money at the end of the day is your property not theirs. otherwise in effect its the same as them stealing the money from you - which they pretty much do anyway with all the charges!

 

good luck!

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In the case of a closed account, I can't see how they could do that, they should just make a cheque payable for the whole amount. It would then be up to you to resolve the amounts owed on these accounts / cards.

 

That doesn't mean they wouldn't try....

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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there would be no precedent or authority for Halifax to credit either of your remaining accounts with monies refunded relating to a closed account. They would not have your authority to do so. It is likely that you will receive a cheque as payment.

 

That is not to say that they may "offer" to offset. But they would require your authority/agreement.

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Thanks for all your replies, I've been away for a few days so apologies for the delay in responding.

 

I returned to find statements dating back five years, I've run through them and totalled up all the charges, the magic figure...... £1403.

On to step 2!!!

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Just a quick one, I don't know if anyone can help. The halifax closed my account when I stopped using it when it was £234 overdrawn, all brought about by charges. I suppose it's obvious, but I can't include these charges when I claim back what is owed because I never actually paid them, right?????

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Yes, you need to include all the charges, and then effectively 'pay them back' once you get the refund.

 

I'm in the same position.

 

By the way, have your credit files been affected by this debt?

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi Jonni,

 

my credit file has been affected through these charges, as I didn't always have enough in the bank to pay credit cards etc, which also incurred late payment charges. It turned into one big vicious circle.

 

Big day for you tomorrow,Court action commences??

Good Luck!!!

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Well, sent the 2nd letter off this morning asking for it all back. Went for the full £1403 in the end. Hopefully this won't give them excuses not to pay at all.

 

Fingers crossed!!

 

They don't have any phone details for me any more so at least things will be done within the comfort of an envelope. Much less chance of confusing me when it's in writing:|

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Since I last posted I have received another set of statements (probably got my tenners worth in postage there!!), the standard 'we'll get back to you in 4 weeks' letter and then today I received an offer of £278 in full and final settlement. I was ready to write my letter stating that I am working to my own timescale and they should comply within my 14 day deadline before my LBA. This offer of settlement has given the old confidence a lift and I can now tie in the refusal of their offer in with the working to my timescale letter.

 

Should I accept their offer but remind them that I will be seeking recovery of the full amount?

 

This looks to be moving in the right direction and my missus is even starting to believe now!!!

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You can certainly accept on that basis, but it's also very likely that they will withdraw it. If you are at the dtage of another letter anyway, just add it into that.

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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It would be much appreciated if someone more knowledgable than myself could scan through this letter and let me know if it is okay? Thanks in advance.

 

 

Dear Sir/Madam,

Thank you for your letters; dated 24th & 26th May 2006, in response to my letter, dated 20th May 2006. I would like to refer back to my letter dating back to the 20th where I outlined the timescales I would be working to, I have allowed 14 days from the date of that letter for you to issue a refund of £1403 in full and final payment in respect of the unlawful charges levied against me in the five years I held this account.

On 26th May you made me a full and final offer of £278.00. Unfortunately I find your offer totally unacceptable as full and final settlement.

I require repayment in full of this money. If you do not comply fully within 14 days of my letter dated the 20th May 2006 then I shall issue you with a letter before action giving you a further 14 days to comply, before starting a claim against you for the full amount plus interest plus my costs and without further notice.

I hope that we can conclude this matter swiftly.

Yours Faithfully,

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I agree with Jonni. I wouldn't even bother. I got the same letter offering £83.00. Not worth the ink and paper replying. Just sent the LBA within my timescale, and now have done the moneyclaim online.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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if your letter was dated 20th and you gave them 14 days your LBA is due next saturday anyway. As Jonni says, just add a paragraph at the beginning declining their KIND offer!!!! If you have no intention of accepting an offer they'll let it go all the way anyway.

 

My claim is only for £450 and I got an offer of £83. I declined this on my LBA and they didn't even reply. I have been a customer for 30 years and have a mortgage and loan with them all fully paid up and always been a compliant customer coughing up charges on the odd occasion (£450 in 6 years) and they have still held out until I made the moneyclaim online.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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You can certainly write that letter - it would show a court that you had attempted to resolve the matter at all stages.

 

If you prefer, wait until the date for sending the LBA and include a note in that, as above, stating that their last offer is not acceptable as F&F but you will take it and claim the rest if they agree.

 

Which they won't.:D

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Just an update on my progress....

 

 

I haven't managed to send the refusal of offer letter as I got called away for work. Nevermind, I think such a derisory offer deserves to be ignored on reflection:D .

 

As Vix pointed out, the LBA is due on Saturday so I've got that all ready to post off.

 

What will happen now that the OFT deadline for justification of the level of charges has now arrived. Will the bank have anything up their sleeves that could effect anyone not fortunate enough too already have been settled????

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Well, we doubt it!

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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One question that I keep forgetting to ask, the account I am claiming on has been closed but I do have a an unused basic account that has a quid in with them.

 

If I was successful in my claim would they automatically pay the money into this basic account? I would be reluctant to have this done as Halifax have clauses in their contract that states they can withdraw funds from any other held accounts to satisfy any arrears on other accounts. As I have stated before, we do have loan and credit card accounts in arrears which we are slowly paying off. Surely they would just take this money back to lessen the debt on the others.

 

I don't mind closing this basic account because we have a Natwest Current account that we use now, but what is the best/ quickest way to close the account?

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Don't know about that. Have got my charges back today and they were paid into the current account that I claimed them from.

 

I would think the quickest way to close an account is to go into the branch. I have done this before and they close it straight away.

 

Hope this helps.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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No probs. Hope you get your soon. Good Luck.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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