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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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Help with Abbey and OD!!


kerryelisabeth
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Im about to request a refund of about £5000 of charges but Ive got a couple of questions before I do.....

 

1. I first requested copies of my statements back in about July time last year but didn't receive any until November. By this time there were statements missing because they send the last six months without charge and the rest you have to pay £10 for. They never charged me the £10 but there was a gap in the two lots because of the time delay.....confused?? :confused: Sorry!!

 

Well, I called them again and requested them again, this time I paid the £10 but they haven't sent all the statements that I requested!! There's a gap of about 6 months when I think I probably had about £1500 of charges but that will then take me over the £5000 for the small claims court.

 

My questions are these;

A. have the bank breached something by not sending the statements as requested?

B. Is it worht pressing for these statements if it's only gonna take me over the threshold anyway??

 

 

2. I have an overdraft with this account. I have opened an umbrella account but can they insist that this refund is used to pay back overdraft or will it just be paid to me by cheque? I am aare that I will have to pay back overdraft if they close my account but I am reluctant for them to use this money to do it?

 

3. Has anyone take on Abbey and if so what was their experience??

 

Sorry I know there are a lot of questions but this all just seems too good to be true and I want to be totally prepared!!

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Hi, I'll try and answer some of your questions as best as i can

 

Im about to request a refund of about £5000 of charges but Ive got a couple of questions before I do.....

 

1. I first requested copies of my statements back in about July time last year but didn't receive any until November. By this time there were statements missing because they send the last six months without charge and the rest you have to pay £10 for. They never charged me the £10 but there was a gap in the two lots because of the time delay.....confused?? :confused: Sorry!!

I had a similar problem with Abbey and it took nearly 5 months to get my statements. Any time you contact them about the statements, keep a record of it so that if need be at a later stage, you will be able to prove that it was their fault.

Well, I called them again and requested them again, this time I paid the £10 but they haven't sent all the statements that I requested!! There's a gap of about 6 months when I think I probably had about £1500 of charges but that will then take me over the £5000 for the small claims court.

Its a difficult choice but are you willing to lose that much money? it might worth going for a different tract lets face it the chances of them actually turning up in court are small.

My questions are these;

A. have the bank breached something by not sending the statements as requested?

My feeling is yes. You can complain to the Information Commissioner but that may end being a long process. you can however just carry on with your claim making sure that you remind Abbey that they have not sent you all the info. Indicate which period this applies to. i had the same problem and in the end went to court. They did not send me my info till it was at AQ stage and i had to complete an N244 form and stated that the defendant had been aware all along that part of my claim was estimated. Its worth my mentioning that completing an N244 form will cost you £35 its non-refundable.

B. Is it worth pressing for these statements if it's only gonna take me over the threshold anyway??

it really is up to you. I'm not sure of the actual costs for going over the threshold but will they be as much as the amount you stand to lose for not claiming for those six months?

 

 

2. I have an overdraft with this account. I have opened an umbrella account but can they insist that this refund is used to pay back overdraft or will it just be paid to me by cheque? I am aare that I will have to pay back overdraft if they close my account but I am reluctant for them to use this money to do it?

I have a new acc elsewhere but my Abbey account is still open. i have agreed to pay back my overdraft at an affordable amount. Once you've agreed this, even if the money is paid back into your account, they can't take up all your money to clear the overdraft

3. Has anyone take on Abbey and if so what was their experience??

My acc is well overdrawn and i've had to give back my card and chequebook but to be honest i'm not bothered as none of my money is going in that acc anyway!

Sorry I know there are a lot of questions but this all just seems too good to be true and I want to be totally prepared!!

 

 

Hope this helps.

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Hi Kerryelizabeth,

 

I am in a similar situation to you with Abbey o/d and a big claim. The Fast Track court is nothing to be scared of. The worst case scenario is that you lose and have to pay costs, which are set at a maximum of £750 but are on a sliding scale according to the size of your claim. On the plus side the court has more powers of disclosure so the banks are more scared of it than the Small Claims.

 

As for o/d's with the Abbey, they took away my limit which was the trigger for me to start this claim, but I opened a parachute and have switched everything over to that. The Abbey made a GOGW payment straight into my a/c which helped reduce the outstanding balance, and now I've got a repayment schedule of 5% per month of the balance, so not too heavy.

 

You can insist on a cheque for payment(see templates) and as for the outstanding statements I would just estimate the amount from the statements you actually have.:)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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KE,

I was told to send my Prelim to

 

Send it to....

REGISTERED ADDRESS: -

ABBEY NATIONAL PLC

ABBEY NATIONAL HOUSE

2 TRITON SQUARE

REGENT'S PLACE

LONDON

NW1 3AN

and they pass it on

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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KE,

 

My thoughts on this are as follows, but they are only my thoughts...

 

1.You have to be seen to give the banks sufficient time to refund your money and by sending the letters you are seen to be reasonable

 

2.The system on here works well and if it ain't broke don't fix it. Accept it is not a quick fix, but a legitimate process that could well end up with you in court, so follow it step by step. The time involved is actually positive because it's more interest repaid and it gives you more time to read up and understand some of the complexities of the process.

 

But you do what you want.......:)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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KE,

 

1. No, £5K limit is Small Claims

2.Yes, generally look for every transaction ending in £.00

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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It's your money and your choice.

 

With the Fast Track the only significant difference to the Small Claims is that you could be liable for costs if you lose up, to a maximum of £750 depending on the value of your claim, but you are also entitled to claim costs in the Fast track.....one of the posters on here successfully claimed 49 hours at £9.25 per hour, so it's quite a decent amount of money when you win.

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Hi ya Kerry found you again,

 

You seem to have things well in hand, on the charges all unpaid DD's paid referrals etc can be claimed back.

 

And for your information Fast track will require standard disclosure form the banks (this means they will have to justify that the charges they are taking from you are an accurate reflection of their costs (as if)).

 

If you were to loose at Fast track you would be laible for costs as has been said above, however given the rules i would think it unlikely that they would want to step inside the courtroom.

 

Very best of luck, and I will keep an eye on the story as it unfolds.

 

Regards

 

BB

 

 

Any advise offered is my own (mainly opinion) and I would reccommend seeking clarity form wiser heads if unsure.

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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Don't be afraid of Fast track Mine was allocated to fast track judge ordered disclosure by list by 12th March Abbey settled in full plus 30 hours prep ,ink and paper after a couple of phone calls £10k+ still waiting for cheque but have email confirmation and have not sent anything to the court except of course my list. Go For It

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