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    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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Harvest V FD


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What a mess....Advice Needed Please!

 

1. Received another offer from First Direct (Paul Adams) when the post arrived half an hour ago. It is for the full amount Before I submitted my form to the court.

 

2. It is for the same amount I had asked for before I realised last week that they had already refunded me money back in 2003.

 

3. My claim submitted to the court was for charges which before interest (contractual) is added, is less than their offer but which if I include interest is slightly more than their offer.

 

4. If I include my court fee but NOT interest their offer is a little bit above.

 

5. If I include my court fee AND Interest claimed their offer is a bit below the total.

 

All this after they had told me in a phonecall that they had withdrawn their last offer.

 

They obviously haven't received the court notice otherwise I'm sure they wouldn't have made this latest offer?

 

Oh dear...what to do.

 

I'm tempted just to accept their offer which is about right excluding the interest. It certainly covers all my charges and my court fee (and a little bit extra for my efforts).

 

Decisions, decisions...:confused:

Claim against First Direct - WON - 29th March 2007

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"LEGAL CHARGES LETTER REQ REFUND OF £XXXX.XX ON A/C xxxxxxxx REQ BREAKDOWN STATS ORDERED LTYC SENT

 

"PLEASE IGNORE ABOVE NOTE CREL TO REVIEW FEES SLA. COM REQUESTED £XXXX.XX BUT ALREADY HAD REFUND OF £XXX.XX AND £49 WAIVED ACCRUING OF £30 SO OFFERED £XXXX.XX WILL APPLY ONCE DEC RETURNED."

 

"AGREED TO HONOUR AS EXC ACC HISTORY SINCE 96 AND NO ISSUES"

 

Don't worry about the Manual Intervention stuff you have received. All it is, is notes left on your file from when you call up to FD and ask them to do something. The advisor will leave a wee note on the system just so if you phone up again the new adviser can see what has happened before (thats the plan anyway...:cool: ). It can also be used in disputes and that sort of thing as evidence so to speak.

 

We are always getting told at work not to leave nasty/funny notes about particularly annoying, shall we say, customers etc cause under the Data Protection Act a customer can ask for to see them all...which is what you now have in front of you!

 

Nothing to worry about just something sent under the Data Protection rights.

 

Cheers,

superward

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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Thanks Superward

 

Do you work for FD then?

 

If so, how does it feel claiming against your own employer? Bit weird I expect. Do they take a dim view?

 

Only asked because I noticed in your signature that you've got claims against RBS and FD.

 

Thanks again:)

Claim against First Direct - WON - 29th March 2007

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boy, that was complicated!

i may be totally wrong here - but this is what i'm thinking -

send a letter saying thanks for the offer but you need to include my court fee as i've filed. i'd take it and run - mainly because - my take on contractual interest is that you need to let them know from the first letter that you are claiming for it and i sense - sort of got - that you were going to do 8% interest before they made you upset - then decided to go for contractual - and as such - i think you could maybe have a problem defending it down the line - i think you'd be happy with a resolution that was what they have now offered plus your filing fee, yes or no?

 

if you like this approach - use this letter and tweak it.

 

Date

Dear Whoever

Ref: Your Offer of Settlement

 

Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX

 

Unfortunately your offer has failed to include my court filing fee of £XXX and therefore I am unable to accept your offer as full and final settlement until you agree to refund this amount. The total amount I wish to be refunded is £XXXXX (here - put their offer + court filing fee)

 

As soon as I receive confirmation from you that you agree to this increased figure I will accept the new offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim of £XXX

 

I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

 

I look forward to receiving your revised offer

Yours Sincerely

 

that last sentence is a bit of cheeky fun a lot have used - use it (with the figures which would bring it to your full offer or put £100 or put whatever you want) or leave it out.

 

 

just double check that that wording refers to what you used in your particulars as i know nothing about cc claims - i'm just applying my experience to you situation.

 

as i seldom get onto this site - let me know on my aq thread what you decide and how you get on.

hth

 

p.s. as i haven't specifically addressed the question of the questionable charges - refund, not refund, etc. forget it!

your letter on the previous page was brill and if they didn't get it from that - i say take the offer (plus the filing fee which i think you will get) and go!

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Hi Harvest,

 

I used to work in the Personal Loans department in First Direct a couple of years ago and we sometimes had to do overflow banking calls so I got to know how the system worked. Worked for RBS and Clydesdale Bank also actually and they are all pretty similar systems wise.

 

I dont feel any different about claiming back against an old employer as its not really a personal thing. Both were pretty decent to work for - so no revenge tactics or anything!

 

Now I work for Abbey.... :rolleyes: .

 

Cheers,

superward

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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Good for you Superward - as they would say (the banks that is): "It's nothing personal...if we repossess your house or take your money, it's just business".

 

OK - I accepted their full offer today using (mainly) Lattie's letter above (thanks Lattie) with some amendments.

 

I did sign their 'declaration form' because all it said was 'I accept this sum in full and final payment' and I made clear in my letter that I reserve the right to make future claims and to carry on with this claim if the money isn't credited to my account within 7 days.

 

So that's it - I've won - pending the account being credited. Feels like a bit of an anti-climax after just over 4 or 5 weeks from start to finish.

 

Don't get me wrong - I'm not complaining or anything - I know people have waited far longer - it just feels weird.

 

So as soon as the money's in my account I'll make my donation and pop back to offer encouragement to others.

 

Thank you to everyone for their encouragement and support on this site - I think we all really do need a helping hand with this, especially when we first start off.:)

Claim against First Direct - WON - 29th March 2007

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New to all this but after reading some of your thread you have insired me to pursue my claim with FD, Today i have recieved an offer from FD for 50% of what i initially tried to cliam back and the letter also stated that they did'nt have to pay me back any of the recall charges and interest, when writting my decline of offer letter how long should i give them to respond? has anyone had a successful claim over two account of over 8K Excluding interest and has anyone been successful claiming back an amount like this and got the interest back too?:confused:

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Nice one mate!

 

By the way, you've got me hooked on all of this. The sad thing is, despite years of being in a punk band this is probably the most punk rock thing I've done!! I'm thinking of changing my name to Wolfie or Che - all I need is a beret and I'm there...

 

Power to the people!

Prelim letter received by Barclays: 26/03/07

**************no reply***************

 

LBA received by Barclays: 10/04/07

**************no reply***************

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

Offer of £1,885.00: 04/05/07 (turned down)

Offer rejection received by B'clays: 08/05/07

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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:) hey, harvest - that was pretty fast!

and i had to come looking - weren't you going to tell me!!!!!!!

congratulations, well done!

hope you don't feel deflated - i think you may have gotten away with murder almost - it could have been a lot trickier!

i'm very pleased for you! an excellent result in my book - and you just sent that letter a few days ago - remarkable!

good for you.

i'm well chuffed for you!

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Thank you so much Lattie, Givememymoney, tomcody, madhouse5 and Koala Attack.

 

The money has been paid into my account by FD today!!!

 

I'm now going to make my donation, complete the survey and PM the mods to change my thread title to those magic wordsw 'Won' and put it in successful claims if that's what they do.

 

Thanks again. I think I'll start reading the threads on claiming beyond 6 years...Nat West here I come!!

Claim against First Direct - WON - 29th March 2007

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In the words of Mr Bates "good work fella"!:D

 

We'll have a drink to your, and my impending (!), victory on Saturday mate. Looks like I'm joining J for football in the afternoon (first competitive match in 3 years I think!) so I may look a bit worse for wear - we'll still celebrate though mate.

 

Nice one!

Prelim letter received by Barclays: 26/03/07

**************no reply***************

 

LBA received by Barclays: 10/04/07

**************no reply***************

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

Offer of £1,885.00: 04/05/07 (turned down)

Offer rejection received by B'clays: 08/05/07

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Thanks Tiffla - thanks for all your support.

 

KA - thanks mate. I'll see you on Saturday.

 

My brother wants me to help him with his claim (he's been using other websites and it sounds like he's been getting confused/ bad advice) - he's got four closed accounts (Personal, business etc) all with claims looking at about £4K each.

 

..onwards and upwards:)

Claim against First Direct - WON - 29th March 2007

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Well done Harvest, you must be thrilled.

 

Lets hope its that quick for all of us

 

:-D:-D:-D:-D:-D

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Thankyou 28bagk - much appreciated.

 

Yes, I am thrilled, especially as I was waiting for a BACS payment today (delayed because of the problems) so the refund means I haven't gone overdrawn and they can't sting me for charges (again!) :-D

Claim against First Direct - WON - 29th March 2007

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