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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Claiming on a Business account? Lets join forces?


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It therefore seems that the key to this is to establish a breach of contract.
Absolutely right. I think we should each look at the T&Cs for our own accounts - you can usually get the ones in force when you opened the account by writing to customer services. I have Nat West ones for 2001.

 

 

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Nat West 2001 Business T&Cs say

You must always ensure that you have enough cleared money in your account(s) by 3:300pm on the working weekday before: you give out cheques; standing orders or direct debits are due to be paid...
However, if this condition is not met, no charge is added to the account. When, however, the cheque, SO or DD comes to be paid, the charge is added. Because the charge is levied when the payment comes to be made and not when the condition is breached, it is not a penalty.

 

They also say

Overdrafts are only availabe for business customers who have previously arranged these with the bank ... If you do not have an arrangement, we may charge you an extra fee and interest...for unarranged overdrafts... Cheques should not be written when there are insufficient funds in your account
An unarranged overdraft doesn't appear to be a breach of a condition. The writing of a cheque when there were insufficient funds would be a breach of the condition but the charge is applied when the cheque comes to be paid not when the chaeque is written so the charge is not directly related to the breach and is not a penalty.

 

 

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Hi would anyone be able to provide a letter that i could use to ask the judge to lift a stay from the courts for a business acccount, i ha d got right to the end and the bailiff went in then the banks asked for a stay. any help would be great.

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I've realised that I'll probably receive a few requests for the Lloyds TSB stuff I have. Also some of you may also have some stuff of your own you may wish to share?

 

So I've created a group album on photobucket for Lloyds TSB Business stuff.

You can go here to download the Information.

So far, I have posted a booklet I received from Lloyds outlining their charges, and describing under which circumstances they become payable.

I don't know if this could be considered as T&C's or not ?

But it does indicate under which circumstances they declare such charges becoming payable, and the rates. Interestingly, they are described within here as being in relation to "fees"...... yet when they arose, the letters I received implied that they were with regards to "costs" incurred in dealing with such matters (see pages Seven & eight)

 

So, the description of the charges and the reasons given within differ from how they were presented to you on such occasions, and also how they have probably tried to justify them since commencing a claim.

So this could possibly be used as evidence of concealment, and/or indicate how the method of presentation led to your conceding to them whilst acting under mistake.

 

Anyway, here's the link. The folder is also open, so if any of you have anything of your own that is relevant then feel free to upload it into the group album.

 

Regards

 

PM

 

The link:

 

LloydsTSB Business stuff - Photobucket - Video and Image Hosting

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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Nat West 2001 Business T&Cs sayHowever, if this condition is not met, no charge is added to the account. When, however, the cheque, SO or DD comes to be paid, the charge is added. Because the charge is levied when the payment comes to be made and not when the condition is breached, it is not a penalty.

 

They also sayAn unarranged overdraft doesn't appear to be a breach of a condition. The writing of a cheque when there were insufficient funds would be a breach of the condition but the charge is applied when the cheque comes to be paid not when the chaeque is written so the charge is not directly related to the breach and is not a penalty.

 

Could this be considered as "cloaking" of the penalties ?

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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How about this ?

 

LloydsTSBBusinessBankchargesleaf-7.jpg

 

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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Then they very clearly say in here that the charge is to cover the additional costs THEY incurred in dealing with the matter:

 

 

 

sc0002bbd8.jpg

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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At the top of the page it states:

 

 

Overdraft Limit : £5000

 

 

From the Oxford dictionary:

 

limit

• noun 1 a point beyond which something does not or may not pass. 2 a restriction on the size or amount of something. 3 the furthest extent of one’s endurance.

 

• verb (limited, limiting) set or serve as a limit to.

 

— PHRASES be the limit informal be intolerable. off limits out of bounds. within limits up to a point.

 

— DERIVATIVES limiter noun limitless adjective.

 

— ORIGIN Latin limes ‘boundary, frontier’.

 

 

 

 

Sounds like a Term and condition set upon the account to me ?

ie: A contractual agreement not to be exceeded.

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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Maybe. Ideally, you would like a condition that said "You must not exceed you overdraft limit"

 

Agreed.

The terminology could maybe be construed as a bit ambiguous, and if before a judge it would perhaps come down to their interpretation. However, I do believe that they would make a reasonable interpretation of the evidence and agree with such arguments.

 

Do bear in mind, that I am only presently posting this stuff up, and having this debate for the benefit of others, as my own claim relating to my Business account is satisfactorily settled.

So hopefully others yet to complete the process will have use of what I have posted and am making available.

 

However....

 

I do still have a couple of personal account claims yet to deal with, and as these pre-date the UTCCR, then they will need to be raised and contested upon the issues of penalty at common law.

 

...... and I DO actually have some very real, very implicitly worded actual signed T&C's from way back, which VERY CLEARLY DO state that I am not permitted to exceed any stated and agreed limit upon the accounts..... and then some letters subsequently received upon exceeding such limits, which then present the exorbitant resultant charges as arising due to their costs involved.

I am unwilling to publicly post them up here at the moment until matters are further progressed, but I could email them to you ?

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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Not necessarily phrased so implicitly.

 

For example in the page I posted earlier it states:

 

You should always discuss any borrowing requirements in advance.

 

They could perhaps plead that this is just advisory.

They could claim that it just merely advises you to (but not actually insists upon) your discussing any and all borrowing in advance.

It could perhaps be construed (or misconstrued) that it does not necessarily implicitly forbid any borrowing without arrangement.

ie: It is phrased as you "should" discuss, rather than you "must" discuss.

 

They would try to claim such terminology would still allow for excess borrowing without prior agreement to occur whilst still being within the contract terms (at their discretion of course).

They would then argue that this is why they publish terms and describe such an event as "unauthorised" borrowing, and vis a vis then claim the consideration and provision of such was by way of a "service", and the charge is a fee for such.

(........ except.... why did they then later present them as costs) ??

 

This may or may not all be agreed as being the case by a judge.

We already know that the judge in the OFT case dismissed the service charge defence, plus the fact that they publish one thing, and then later present it another way, would I hope be seen through as the smokescreen it is.

 

Anyhow, it would be far better and less open to interpretation if it stated that borrowing without prior arrangement was "not" allowed.

eg: "You MUST always discuss any borrowing in advance"

or "Borrowing without prior arrangement is NOT allowed"

Edited by photoman
clarity

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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Hello Photoman, steven4064 and all other Business claimants.

 

I'm hoping it will be possible for my thread...

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/81525-gandolfi-natwest-9.html

 

...to be moved over to the Business Claims forum.

 

The most recent post on my (very long) thread gives a summary of the case so far. My Counterclaim against Natwest is a combination of 70% Business 30% Personal account claims for charges. The case is currently stayed.

 

I'd really appreciate you guys taking a look - any advice regarding my options post-OFT would be appreciated (especially as the two accounts are being claimed as part of one counterclaim).

 

Apologies for posting this within your thread Photoman.

Thanks and best wishes,

Gandolfi

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Hello Photoman, steven4064 and all other Business claimants.

 

I'm hoping it will be possible for my thread...

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/81525-gandolfi-natwest-9.html

 

...to be moved over to the Business Claims forum.

 

The most recent post on my (very long) thread gives a summary of the case so far. My Counterclaim against Natwest is a combination of 70% Business 30% Personal account claims for charges. The case is currently stayed.

 

I'd really appreciate you guys taking a look - any advice regarding my options post-OFT would be appreciated (especially as the two accounts are being claimed as part of one counterclaim).

 

Apologies for posting this within your thread Photoman.

Thanks and best wishes,

Gandolfi

 

Gandolfi,

 

Firstly, no need to make any kind of apology for posting in this thread.

 

I do not consider it to be my own thread.

Although I started it up, it was always intended to be for the use of all business claimants, as a a place to exchange ideas and experiences, develop tactics, update others on your own progress and plead for help if need be.

So post away.

 

CAG now have a Business forum, which is great news.

This thread is now included in this forum, as it has through its life had some very valuable and useful contributions from lots of Business claimants, Mods, helpers etc, so is still a useful resource and a potted history of Business claims so far.

Hopefully it will remain to be so.

 

I'm sure Steven or someone will be able to move your own thread into this Forum.

I'll take a peek myself if I get a chance.

 

Best regards

 

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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