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    • 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.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. 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. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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NickvsNatwest


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Hi all,

 

have just got all the statements through for the last 6 yrs on my 3 accounts! Thay had been holding me up on my last account, the one with the most charges!

 

So anyway I have been busy reading through the forum and have been getting a bit confused over the interest issue:

 

I want to claim back the charges plus the debit interest the bank charged me plus the 8%.

 

What I dont understand is why people are including there OD balance each month and then calculating out the interest owed for the debit interest. I have used Mindzai's sheet, stuck in the EAR, it works out the daily rate from that and then calculates the compound interest from the day the actual charge was made. Am I missing somehting????

 

Also, I have succsefully recieved a few charges back off the bank through 'goodwill'. This was in the days before this type of action was popular. Shall i subtract these off my charges sheet??

 

I just want to get this right before I send off my prelim....

 

thanks

 

Nick

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Can't help you re the interest but if you've been refunded charges in the ast I'd most def leave them off the list unless you REALLY want to try your luck ;o)

Natwest Bank Plc owe me £1,227.48

06/03/07 - Prelim Sent

16/03/07 - Claim authorised, in full, via telephone...

28/03/07 - Full offer received in writing - YAY

29/03/07 - Offer accepted!

 

Bank of Scotland Mastercard owe me £497.00

11/03/07 - Complaint telephone call logged

29/03/07 - 50% offer received...

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  • 1 month later...

Yes if the 14 days have elapsed after your LBA issue then you must proceed with filing your claim througfh the courts.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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HI Guys,

 

can you see any problem with the particulars below:

 

My questions are

 

1) I have modified foe multiple accounts. Are there any problems with this?

2) Have i got the stat interest right? So 8% from the sheets added plus the 8% daily rate.

3) I averaged up the daily rates of the 3 sheets. Is this ok?

 

Cheers,

 

Nick

 

 

1. The Claimant has accounts xxxxxxx and

xxxxxxxwith the Defendant, both opened

2001. The claimant also has account

xxxxxxx opened 2005 2. Since 19/12/01 the

Defendant debited charges and interest in

respect of purported breaches of contract.

3. Defendant is aware of all details as a

list of charges has already been supplied.

Another copy will be sent. 4. Claimant

contends: (a) The charges exceed the

Defendant's losses caused by the breaches;

(b) The Term permitting the Defendant to

levy such charges is unenforceable under

the Unfair Terms in Consumer Contracts

Regulations 1999, Unfair Contract Terms Act

1977 and at Common Law. 5. Claimant claims:

(a) return of the amounts debited of

£4509.43;

(b) Interest per S.69 County Courts Act

1984 of 8% - £385.60 continuing at 8% until

judgment or settlement at a daily rate of

£0.21; 6. Alternatively, if the charges

are a fee for a service, then they must be

reasonable under S.15 of the Supply of

Goods and Services Act 1982. 7. Costs

allowed by the Court.

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Bump............. for anyone with the 'court' experience??

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  • 3 weeks later...

Progress Update.

 

I sent the LBA off on the 9/03/2007 and after 14 days i had no reply.

 

Since then i have taken a lot of time in checking my spreadsheets and getting my particulars right. I also moved house on the 1st May and had given up hope of the bank responding as it had been over 1.5 months since i had sent the LBA. So off to the court i went today and submitted my claim. However, I had some post forwarded today and geuss what, a letter from the bank dated the 1st May, making a Full and Final settlement for the full charges ONLY, not the interest I stated in the prelim and LBA.

 

I understand that i should reject this and state that court action has started. So in effect I am not giving the bank another chance to address the interest charges as in Letter 4. But they did not respond in the allocated time, so i should proceed with Letter 5 yes??

 

any thoughts regarding this would be most welcome.

 

cheers all

 

Nick

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Hi Nick, I think if it was me I'd be inclined to accept - only because you've filed at court after they've sent a letter offering full settlement of the charges.

 

However, what type of interest did you claim at prelim/LBA stage? Was it the 8%? (can only be awarded by the courts), overdraft interest?, contractual interest?

 

If you want to reject their offer have a look through here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html as this should should give you more of an idea of whether to accept or reject.

 

Good luck, hedgey x :p

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I should have clarified:

 

In the Prelim and LBA I simply stated 'interest of' but i calculated it at the contractual rate. This was supported in the schedule sheets. I did not mention the 8% as i know this is at the court only.

 

So from my reckoning they are not giving me any interest at all, not even the stat 8% i will get if i go to court.

 

They did not respond after 14 days so have not followed my terms, surely the court will see this?

 

thanks

 

Nick

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  • 1 month later...

Update...

 

1) Statements recieved.

2) Prelim written - 14 days no reply

3) LBA sent. Over 14 days now and no replies.

4) N1 Filed.

5) Charges ONLY offer recieved - Rejected

5) Defence Filed by Natwest

6) AQ Recieved

7) AQ ready to send

Do I need to include a basic disclosure with my AQ?

thanks

Nick

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I think that has to be your decision!! Depends what you feel comfortable with. Although personally, I'd be inclined to do so! x ;)

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  • 1 month later...

Status update:

 

1) Statements recieved.

2) Prelim written - 14 days no reply

3) LBA sent. Over 14 days now and no replies.

4) N1 Filed.

5) Charges ONLY offer recieved - Rejected

5) Defence Filed by NatWest

6) AQ Recieved

7) AQ ready to send

8) AQ sent

9) General form of Judgement or order recieved:

Upon the courts own motion. The court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of recieving it.

IT IS ORDERED THAT

1) The Defence be struck out. It is not particularlised in respect of this claim.

2) Uness the Defendant filea and serves a fully pleaded defence by the 19th July 2007 the Claimant be at lberty to enter Judgement.

This was by the Reading County court. If i understand this right, its good news. Hopefully they have not pleaded a defence and I can enter Judgement. Is this right?

Many thanks

Nick

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Great news Nick!

 

Phone the court to see if they've filed a fully pleaded defence yet (as it states above) - if not, apply for judgement!

 

Best of luck :)

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Just phoned the court, and no, they have not filed a full defence in response to this order!

 

So i can now go ahead and enter for judgement. Should I do this or should I write to the bank as I have read that they do not like judgements and will probably ask for a set aside.

 

What is felt is the best approach from here?

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Well, they've had plenty of time to respond the judge's orders and have chosen not to do so. Therefore, I'd be inclined to apply for judgement as directed by the court.

 

You should have a Notice of Issue (form N025A) - it's the one the courts issue when you originally file your claim. Just complete the details and take it the court to process. I very much doubt that cobbetts would apply for a stay at this stage - they've had ample time to respond!

 

Best of luck - let us know what happens ;)

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sent off the judgement today, we will have to see how this one swings, in light of the test case. My only hope is that Readiing Court seem to have been on the consumer side in these cases.

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  • 2 weeks later...

Well by the time i posted my response to the judgement, this whole OFT thing had blown up and i have been worried ever since. ; (

 

I phoned the court today (Reading) and I asked them if the claim was still proceeding, and they said yes, judgement has now been entered and both parties have been written to. She said they would not enforce a stay at this stage, so fingers crosses i am nearly there.

 

One thing though, on my judgement claim form N225A, i wacked on the full unauth interest of 29% that i have stipulated since the beginning on the claim (prelim, LBA, etc). I know the grounds here are a bit shaky, and i stated 2nd and 3rd fallback positions on my initial claim. How will this proceed? Could Natwest say, well ok, we will pay up but not for that unuath amount? I have not had a court hearing as this has all been pushed forward by the Judge. Can they argue the toss over the amount at this stage?

 

Cheers all,

 

i really hope we get more of these current claims pushed through.

 

Nick

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OK, thanks Steven. To be honest, to get the charges back with 8% i would be very happy. I am starting to feel a bit greedy, especially as i rejected their offer of total charges but no interest. I stuck to it but i did not see this OFT thing coming so fast.

 

Anyway, i will let you know what happens

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Quick update - recieved a copy of the Judgement sent to NatWest today, for the full amount i requested.

 

Is there anything that can go wrong at this stage, can they appeal?

 

thanks

 

Nick

 

oh yeah, Natwest also wrote to me today saying that their offer was still open - for the charges only (roughly half the amount), for the next 2 months. But i wrote to them and rejected the offer!

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Best of luck Nick - let's hope everything goes nice and smoothly with the Judgement! Decent court is Reading - so let's watch this space!

 

Let us know what happens! ;)

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