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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.  
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      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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Claiming on a Business account? Lets join forces?


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Who has to have breached the contract for the act to apply to the terms of the contract?

 

The consumer or the suplier?

 

Josh,

 

I sort of see what your saying, in that the latter half of the first paragraph of section 4 does not clarify whose breach of contract is required.

However, in circumstances such as dealing with a payment that would make an account in excess of its' limit, in what way could you claim that the bank have themselves broken the contract?

 

They claim they are just responding to a situation in a manner that they themselves have laid out in their contracts (but if such response as set out in the contract is deemed to have been triggered by a breach, they would be unlawfully doing so, according to UCTA), but I can't see how they're actually breaching any contract term themselves.

 

This is why the banks are so rapidly now trying to claim that it is not an indemnity (recuperation of costs) that they seek in such circumstances, but rather it is a service fee (but we now know what the courts think of that argument).

 

One possible scenario that I could perhaps see covered by this part, where their own breach or negligence could cause a loss to another (including yourself according to sec 2b), and so according to the statute you should not be expected to shoulder the cost:

You instruct the bank to stop a cheque or you cancel a DD.

They pay it out anyway.

In such circumstances, they were negligent in paying it.

If they are unable to recoup the funds, then the loss is theirs, they still have to refund the money into your account, as you cannot be expected to indemnify the bank for a loss arising from their own negligence.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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If your wanting a new account try Halifax.

 

Halifax has a Treasurers account and an easycash account which dose not have any credit checks.

 

Treasurers accounts can be opend at Lloyds TSb as well but this is at the discression of the Branch Manager. Ans must be done in branch.

 

The Easy Cash can be opend via post.

 

I normally charge £465 to handle such an aplication through my business as i visit the bank myself and have a coffee with the manager who makes a verry good cupa kenko lol. Wer normally laugh at the pictures on the passports to lol.

 

So heres a freebee for site members.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

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In short I am a Financial Rerferal service.

 

I have a full OFT Licence

 

Yes it is a little off topic But It might help a few people out.

 

People that are hit by these charges may not be able to aford my fees so I thought Instaed of starting another thread I'd just mention it here.

 

It is worrying though that my fees could be classed as extortion in court.

Though ive not yet had that problem.

 

I target people who have saved to start a business and have the funds already. And they simply cant get a business account because of bad credit.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Josh,

Funny you should mention that, as I too offer a referral service.

 

I specialise in arranging accounts that entail a trifling monthly account fee of around £45 (subject to raise at any point) ..... but they do have the added extra benefit of incorporating added insurance.

 

That insurance being (and limited to) a bic biro insurance service.

 

If you open one of these superb accounts, you will receive no greater service or benefits than with any of the free accounts on offer elsewhere

 

...... however, should you ever lose your 39p Bic biro whilst you have one of these accounts, we will replace it totally free of charge !!

 

.....excellent value for money, if I do say so myself (which of course I would say ..... as it pays for my yacht in St Tropez).

 

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Subject to any one claim in any 10 year period.

 

Subject to you account being in credit by at least £10,000.

 

Account fees subject to rise at our discretion, without any reference or notification to yourself.

 

Subject to a full biopsy to be conducted upon account holders regards the suitability of their organs for transplant.

 

 

 

No interest payable on credit balances.

 

 

The value of investments may rise, (in which case we shall take all such benefits), otherwise if we P@@s your money away on some high risk venture, we'll either send the bailiffs around to take your home, your children, your pets, and the clothes off your back...... otherwise we'll just get the government to bail us out.

 

You may wish to seek the advice of trained legal professionals' before agreeing to such terms (but it'll do you no good, as we'll fight you all the way to the feet of St Peter, before which time we'll hope you'll have just died or given up anyway).

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Lol are those your toc's pm

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Hope you don't mind me joining your group on Business accounts. There doesn't seem to be much information anywhere regarding business accounts and what we should do. The news from OFT court case regarding business accounts has come at a crucial time with my claim!

 

I'm cutting it fine now as the bank has given me an offer this was on the 25 April 2008 but given me 28 days to accept. I'v been holding on just in case new information comes to light. I've got till this friday to get my acceptance form back. I don't want to accept as it well below what I was asking for. Has anyone got any information I can fight back with?

 

Or has the bank won!

 

I really thought Business accounts where safe, everyone said that the court case wasn't anything to do with Business accounts I'm still stuned by this news, I'm sure every other business claiment is!!!

 

Will anything change tomorrow when the case is back in court?

 

 

Lizzy

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I have a court appearance on 28th May. I am applying to have a stay lifted on a business claim against Lloyds Bank. Today I received a letter from their solicitor saying that because of OFT case/case management conference/common law/ not a penalty etc..... the court should continue to stay the case. Also all my claim is pre 6 years, so they say if not penalties then section 32 of limitation Act will not apply.

What is my best course of action. Should I ask for the stay to be continued

KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Hi Lizzy

 

Nice to no the bank is still making offers on business accounts.

 

If they have made you an offer that means they no there is a problem and they dont want to go to court.

 

Can I ask what type of business you are and what type of account you have?

 

Could you tell us which bank it was as well it might help others looking at the thread.

 

Josh

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Chelsea

 

Your a business claimant.

 

As I understand the order I am sure people will correct me here. Only Personal accounts have been placed on hold

 

How big is your company?

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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For whatever reason the case was put on hold many months ago. The local judge was putting most bank charges cases on hold, including business claims, which he "shouldn't"

I appealed and this meeting is to review that stay.

The charges relate to the late 1990's. We are a management consultancy established in 1985

KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Thanks Josh

 

I'm a sole trader small business and with Barclays!

 

I have got my own thread regarding my claim, it hasn't be straight forward, the FOS have been involved with my pursuit, but not sure they really know whats happening at present.

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Well the problem at the moment is the recent oft judgement.

 

It cant hurt to ask the judge to take a stay off. It sounds like he is ready to make a judgment on the penalty charges if he has granted a hearing to take place.

 

I cant see the judge making a date for the court hearing if he is ot serious about making a judgement on your claim.

 

But who knows the secret of the black box.

 

My personal suggestion would be to go for it but thats just me.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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I think the hearing is only about the stay. If my appeal is successful there would be a further hearing to make a judgement.

I think my best choice is to ask for a stay. At least that way I will live to fight again. I might well lose if the judge has to decide on OFT/not a penalty business claim.

KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Here are some of my own earlier posts on the issues regards Business claims post OFT judgement.

 

Remember, these are only my own views, and are not definitive.

 

 

 

Quote:

His judgement, stretching to 119 pages, dismisses the idea that anyone who goes overdrawn without permission is in breach of their current contract with their bank.

Therefore, he decided, overdraft fees could not be a penalty for breaking that contract, as no breach had occurred.

But what about old contracts?

Most of the banks have been busily re-writing their terms and conditions since customers in their tens of thousands started demanding that their charges be refunded.

"An initial reading of the judgement suggests that the issue of historic terms and conditions is still wide open," said Marc Gander of the Consumer Action Group.

 

Also Quote:

 

The banks will be even more upset to see that some of their other central arguments were firmly rejected.

They had claimed that their charges were in fact fees for a service, and that their customers received a service even when their cheques were bounced.

"If a bank declines to pay upon a relevant instruction, it supplies no, or no relevant, services by way of considering, processing or otherwise dealing with it," the judge said.

 

 

So...

 

If their not penalties for a breach of contract...

And, their not charges for a service....

 

Then that only leaves the option that they must be Liquidated Damages.

 

In which case by such laws, they must not exceed the actual cost or remuneration involved in dealing with such. Which we all contend that they do, and the Banks continued lack of disclosure only adds weight to the likelihood that this is the case.

 

I believe the judge backs up this contention when he then says:

 

"I am unable to accept that either the paid item charges, and guaranteed paid item charges, or the overdraft excess charges, are the price or remuneration, or even a part of the price or remuneration, that the customer pays," he added.

 

I just wanted to post this in regards to my opinion on the recent OFT case judgement.

 

For Business claimants concerned as to how and if this may have any influence upon claiming upon a Business account at common law.

 

This is the statement in the judgement that may have raised some concerns:

 

From the judgement:

"As for the position at common law, I accept the Banks’ submission that none of the terms which I have considered (the terms now generally used by the Banks for personal current accounts other than basic accounts and also certain of the terms used until recently by Clydesdale and RBSG) could be unenforceable on the grounds that they are penal (paragraph 323 above)."

 

However, I do not see this as being the end for Business claims at Common law (or indeed those with personal accounts set up pre UTCR99):

 

Firstly, this is only the judges opinion, and I do not believe it sets any precedent. I think such issues would still need to be decided separately.

 

Secondly, this view only refers to "personal" accounts, and does not cite anything regards other type of (such as Business) accounts.

 

Thirdly apart from some Clydesdale and RBSG terms, this view is only taken with regards current terms (and even then only personal account terms), and ignores historical terms.

 

Lastly, it is also somewhat curios that during the period of the stays many Business claimants had stays lifted, due to their contention that their claims were not subject to the outcome of this case, and were instead based upon common law. In most circumstances they then quite quickly received offers and full refunds (often for very large sums).

 

This would all indicate that the Banks are really not very confident about winning a case brought upon the grounds of common law, particularly one with regards historical terms.

 

(This is why they they all so swiftly changed their T&C's prior to having them subjected to the scrutiny of this case).

 

PM

 

On balance, I feel I ought to add that any decision to now continue or pursue a Business account claim (ie; one not reliant upon UTCCR99, but instead purely upon common law grounds), must be taken carefully and with much thought.

 

Although I personally am still of the opinion that contesting such claims on common law grounds for Business claims is achievable (in line with my earlier post), that is perhaps an easy stance for me to take having settled my own Business account claims.

 

The way forward for Business claims could now be more difficult, and should only continued or be entered into after due consideration and with full preparation. One should make sure that any claim is watertight, and you have read and researched all applicable law. And be aware of the potential risks involved, particularly in fast or multi track.

 

I would suggest that for now before making any decision, you watch developments, watch the various discussions and news sites, and and speak to those in the know for advice.

 

Here is Zootscoots posting on the matter generally, which at the end suggests that Business claimants should hold back.

 

http://www.consumeractiongroup.co.uk/forum/oft-test-case-updates/139971-oft-abbey-others-april.html

 

This is perhaps good advice, as we are in unsure territory at the moment here.

 

There is speculation that the OFT may apply to have those sections of todays judgment referring to Common law revised, and this would change matters (hopefully more to our benefit) yet again. Although this is just speculation at the moment, and if it does turn out to be the case, who knows how long that could take ?

 

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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You can gamble the bank wont show up.

 

Cheers for the reminder pm

"The only thing that interferes with my learning is my education." Albert Einstein

 

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Here's what the BBC currently have to say regards what may happen tomorrow.

 

BBC NEWS | Business | Banks may challenge charges case

 

 

IMHO,

 

If the OFT do appeal on the judges ruling regards the penalties at common law aspect........ then it may be all "game on" again for Business claimants?

 

Although, how this would then be dealt with practically is speculation at the moment.

The banks may decide to once more start dealing with and settling Business claims if they have some uncertainty as to the final outcome of this.

ie: if they think it may possibly be reversed, then they may decide it better to start to settle some business claims, rather than to let them continue to accumulate more interest, for what could possibly be quite some time.

Then again, they may be stubborn, and just drag things on, refusing to settle and hoping that the outcome may still be in their favour, or just thinking that by dragging things on some business claimants will get disheartened and drop their cases.

 

If the OFT do decide to appeal on the common law aspect, then it would be interesting and helpful to other Business claimants if anyone here with an ongoing Business claim could post any communications they then receive from the banks.

Edited by photoman
clarification of opinion

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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It would be interesting to find out why they wouldnt apeal on the common law aspect as well if theydo not apeal.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Ive just been speaking to BACS.

 

Apparently the bank dose not have to guarntee a direct debit when there is no money in the account.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Hi photoman,

 

You have done a great job of summarising our position. I hope you don't mind if I use it in a defence I'm cobbling together against NatWest over excess overdraft charges they are claiming from me - as guarantor. My defence is due in about one week.

 

See a thread I've just started; http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/145837-25-400-penalty-charges.html.

 

In the interesting points, the Judge has ordered NatWest to provide a breakdown of their charges for administering my cheques.

Also I have instances where the cost of administration is clearly disproportionate to the charge, like 2 cheques bouncing twice on the same day.

 

I'll keep you posted of developments.....

Cheers

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Hi photoman,

 

You have done a great job of summarising our position. I hope you don't mind if I use it in a defence I'm cobbling together against NatWest over excess overdraft charges they are claiming from me - as guarantor. My defence is due in about one week.

 

See a thread I've just started; http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/145837-25-400-penalty-charges.html.

 

In the interesting points, the Judge has ordered NatWest to provide a breakdown of their charges for administering my cheques.

Also I have instances where the cost of administration is clearly disproportionate to the charge, like 2 cheques bouncing twice on the same day.

 

I'll keep you posted of developments.....

Cheers

 

 

Feel free to use what I have posted if of any use (though do remember to look into it for yourself and verify it's applicability to your own case, and do also remember that it only represents my opinions rather than being a statement of law)

 

Had a look at your own thread, and subscribed. (recommend that you all do)

 

Looks like it could turn out to be an interesting case, particularly interested to see what the banks come up by way of providing info on costs. Could have some interesting implications for a lot of Business claimants.

 

If you do start to receive any offers, or any further correspondence then please post them up.

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi all newby here, i have just been charged £900 in charges for 1 month from the natwest on my business account, i have totaled up all my charges + interest for 7 months which comes to just short of £2000.

i have sent the 1st letter to the bank initially requesting my charges back and am prepared to fight for all the charges back.

has anyone had similar issues with the natwest???

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Hi all newby here, i have just been charged £900 in charges for 1 month from the NatWest on my business account, i have totaled up all my charges + interest for 7 months which comes to just short of £2000.

i have sent the 1st letter to the bank initially requesting my charges back and am prepared to fight for all the charges back.

has anyone had similar issues with the NatWest???

 

..about 50,000 of us ! :D

 

Welcome to the forum. You should find the answers here. Start your own thread in the Natwest area and you'll be helped through. There's a whole lot going on and I wish you luck with your claim...

 

Sarah

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