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    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
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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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monkey_uk -v- Halifax (Bank accounts and credit card)


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Claim for bank account lodged via MCOL - total claimed £2818.84 + £120 fee

 

Let the fun begin!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Claim for visa lodged via MCOL - total claimed ££78.29 + £50

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Cheers moneyhelp!

 

Claim has been OFFICIALLY issued today 18/06/07

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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  • 3 weeks later...

Both claims acknowledged 03/07/07. Not what I wanted to hear, but no big deal, onwards and upwards!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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cheers sal, here's hoping hey!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Noticed yesterday that the £581 wasn't in my account anymore. It'd not been just debited from my account, the transaction had totally disappeared. Luckily I pre-empted this and took a screenshot of my online statement with it showing!

 

Spoke to my contact there yesterday and she said it'd been taken out as I was only accepting it as part settlement.

 

 

It is precisely for that reason that as soon as my *goodwill* gesture money goes in - I'm withdrawing it and depositing it in my Standard Life a/c!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Acknowledgement for both claims received 07/07/07.

 

Hfx intend to defend the whole of both claims.

  • Haha 1

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Cheers, hoping it's sorted soon, but I'm in for as long as it takes, I'm getting my money.

 

I only wish I'd have done this in spring last year when my FD claim was settled, like I'd told myself, but I was lazy and kept putting it off, then I went on holiday and bought a house so only just got round to it really.

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Yup, though I'm expecting an arguement over the contractual interest issue!

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Looks like they're at it again;

 

£412.12 and £1162.00 has been credited to my acount as "cash" today.

 

I've not had a letter or anything about this.

 

Grrrrrr!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Looks like they're at it again;

 

£441.12 and £1162.00 has been credited to my acount as "cash" today.

 

I've not had a letter or anything about this.

 

Grrrrrr!

 

Ok, £1162 is EXACTLY the amount of the charges on my bank 2 accounts which is one claim (note: they've not paid interest, not even at 8%).

 

No idea where the £441.12 is from though!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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I'll wait and see I think.

 

They have, by my reckoning, up until the 21st to settle in full or enter a defence.

 

It just annoys me SOOOO much that they act like this!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Dear monkey_uk,

 

Yourself -v- Halifax PLC

Claim No XXXXXXX

Roll No X/XXXXX-X and X/XXXXX-X

 

I have received and have been dealing with the proceedings, which you have issued against Halifax plc in the Northampton County Court.

 

Your claim relates to bank charges debited to your bank account. These charges were debited to your account in accordance with the account terms and conditions, which you agreed to accept, and by which you are bound.

 

I have returned the form of Acknowledgment of Service to the Northampton County Court indicating that Halifax intends to defend your claim. However, on a purely commercial basis, it will cost Halifax money to defend your claim in terms of the legal cost that will be incurred. It is unlikely that Halifax will be able to recover these costs (even if the bank wins) because your claim will probably be allocated to the small claims track, in which costs and not generally awarded.

 

For this reason, but without admission of liability, Halifax is willing to reimburse £882.00 in respect of the bank charges incurred, together with £216.53 in respect of approximate interest that Halifax has calculated was charged on your account X/XXXXX-X as a result of charges.

 

The Halifax is also willing to reimburse £280.00 in respect of the bank charges incurred, together with £104.59 in respect of approximate interest that Halifax has calculated was charged on your account X/XXXXX-X as a result of the charges. The Halifax will also reimburse £120.00 in the respect of the court fee. This amounts to £1603.12 which will be paid into your account X/XXXXXX-X within the next 5 working days.

 

The Halifax does not consider that you are entitled to the further £1,342.38 that you are claiming. Unless you can provide evidence of this further loss the Halifax will file a defence in respect of this part of your claim.

 

Please note that if an interest payment has been mde, this constitutes "taxable income" and any tax due on this should be dealt with between you and your local tax office.

 

I will write to the Court to let them know that your claim has been settled and would be grateful if you could do the same.

 

We are keen to help you avoid any unneccessary charges in the future by providing you with various ways to keep track of your account. You can do this via telephone banking on 08457 20 30 40, online banking (Halifax Online - UK Banks, Finance, Personal, Telephone & Internet Banking) or by obtaining a mini statement at our cash machines. You can also contact one of our banking advisors at any of our branches.

 

Yours sincerely,

 

Richard Temple

Customer Relations Manager

Customer Relations

 

Ok, so now the figures add up, the £441.12 is the 8% interest for both accounts at the day of which they deposited the money (I'm assuming, though I've not checked, as my charges spreadsheets are on my works computer).

 

However, read carefully his wording:

 

together with £216.53 in respect of approximate interest that Halifax has calculated was charged on your account X/XXXXX-X as a result of charges.

 

I've not claimed the interest that I was charged due to the charges, though I'm going to work out what that would equate to, and may well bounce that back to Mr Temple.

 

I'm not considering this over yet, as if the sum of interest they charged me is sizable, I'm going to ask for that back too, though it wasn't in my PoC, not sure how that will affect me. Also, his wording of that part, I'm wondering whether it could be argued that they've not paid the 8% interest due to his incorrect (IMHO) wording in the settlement letter.

 

I must say I'm disappointed with this, very disappointed. I can't even really refuse the settlement as they've already paid the money into my account, which in my opinion, is totally underhand. But, then again, I've not signed anything to state that "I accept the amount as full and final settlement".

 

Hmmm, interesting.

 

 

 

 

No word on the Visa claim yet though.

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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anyone wanna offer any advice/opinions?

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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I would accept only as a part-payment only. If you start messing with your poc will this not cost you £35 which is non-refundable? The decision is yours to make. It would be best to let the court know you have received a part-payment though, but I bet you knew this already. Seems to me they are trying to force your hand by assuming this is a done deal as I would say the court will need confirmation from you that the matter is closed.

 

 

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So, they've paid me the charges + 8% + court fee.

 

I want to only accept it as part payment, but I can't decide whether to.

 

I suppose if I go and withdraw it as cash from a branch and THEN tell them it is only as part payment, they can't exactly take it off me (though I'd not put it past them to debit it from my account and put into into an unauthorised overdraft of nearly 2k!, and charge me for it!).

 

I'm pretty sure they're 28 days are up on the 21st too.

 

Hmmmm.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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I've 2 claims running with Hfx, one for Visa charges, and one for charges on two bank accounts (one closed, one open).

 

they've paid money into my account that equates to:

 

all of the charges back, and the £120.00 court fee.

 

They've written to me and told me that they are paying this in "within 5 days" (it was done the same day that they sent the letter to me!), and have also put in the letter that they are also crediting money of what they calculate I was charged in interest on my account as a result of charges (they actually mean they've paid the 8% interest).

 

However, looking at this, they;ve credited for the interest:

 

£216.53 and £104.59

 

Now, using Mindzai;s spreadsheet, changing the date to the 12th of July, which is when they money was credited, the 8% interest due was actually:

 

£216.76 and £104.74.

 

I've even backdated the sheet to 11th July, just to make sure, which would make it:

 

£216.57 and £104.68.

 

Now, they have until the 21st the enter a defence I believe.

 

They are considering the claim settled.

 

My question is, is it reasonable to leave it until the 21st, enter a default (they are unlikely to defence as they believe the figures are correct and that the only difference is the further £1342.38 in CI (28.8%) that I'm claiming.

 

Basically, defaulting them as they've paid me less than £1.00 less than what I'm owed. Is that reasonable?

 

One part of me says no it isn't, but the other part says that they should pay me exactly what they owe me.

 

How likely would I then be to secure a default against them?

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Hi Monkey

 

I couldnt beleive it when I read your thread. It could have been mine.

 

Have a peek at mine if you have the time. overflow v halifax.

 

Ive just been looking at my spready again and Im almost sure they have not pad me for charges going back to 1999. Paid from 2001 only.

 

I too was claiming CI but with them paying money into my account (on the same day they recieved my Rejection letter even though they said i had 7 days to either accept or refuse) I thought that I could only accept the money , mine was nearly £300. short of what I would have hoped to have claimed just with the 8% . I didnt think id win the CI cause Ive used the M&R in my POC as well.

 

They had my rejection letter within their time limit of 7 days but the money remains in my account even after Ive told them to take it back.

 

My claim was deemed served 25th June so their time is up to file defence on 23 July.

 

I keep toying with the idea of ringing them up and telling them they havent paid all charges Ive claimed for , I think they are going by the SoL Act but we all know they cant anymore.

 

Ill be following your thread to see what is going on with you cause its so like my situation.

 

Regards:)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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cheers overflow, I'm just so stuck what to do.

 

Do I send them a letter tomorrow, sent by special delivery so they get it Tuesday, giving them until the 21st to take the money out of pay the full amount, and then risk losing my claim because of CI, or equally them paying up as a commercial decision, or do I just roll over and accept that they can bully me into accepting the money?

 

What would happen, if I rejected the money, they enter a defence on the basis of CI, and it went into a court room and I lost? Would I be able to file a claim against just for the charges and for 8% interest or would that be it, finito, can't claim nowt back?

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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