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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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      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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Helllo Everyone, I am here to join the fight- need help please


rebel454
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Hi

 

I joined the forum towards the end of last year, and have been putting everything on the back burner for too long now. So I am here to pick up the gauntlet and start the process of reclaiming my bank charges back. I am not a usually stupid person, but I have been through a lot over the last 4 years financially. I have been in a debt management program since May 2003 and am still. This has had a severe impact on my health and well being and have been on anti depresants for the last 3 years. So I am a little aprehensive about the whole process regards to getting it wrong etc.. My main target should be Lloyds TSB whom state that I ow £32,800 and have started CCJ proceedings, although my debt management company say I only owe around £20,000, this includes overdraft charges that were increased without my knowledge, late payment fees, etc..etc..

 

I also have bank charges issues with Nat West, Nationwide, and Citybank. After I joined the DMP i as told to open a couple of accounts and transfer my wages etc... which is why I have joined the other banks.

 

I want to persue LLoyds TSB but cant afford bailiffs if that is the way they are fighting back against customers reclaiming bank charges which Is what I have heard they are now doing? Is this true?

 

:?

 

I would welcome contact with anyone who can help me further.

 

Rebel 454

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Hi rebel454

 

You say that Lloyds TSB have started proceedings, what stage are they at?

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

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

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Hi

 

Court papers were issued last November, DM company filled in papers and sent them to the courts early December, stating that I was disputing the amount. Case was them moved to local County Court January this year. Another letter middle of January asking parties to submit there case within the next 10 days, this was done by myself and the DM company since then I have heard nothing.

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Right, do the SAR to them and see what that turns up,

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

I would exclude the bit about reclaiming the unlawful charges

 

Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee.

 

At this stage you are simply asking for information, to which you are entitled. I would let your DM know what you are doing.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

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

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Hi

 

Many thanks for this, I will send this tomorrow. Do I send this to the other 3 banks also, as I believe NAt west owe me approx £3,000 bank charges, Nationwide, £1.500approcx and Citibank £400 approx, plus they took £500 out of my account in one month to repay my overdraft without telling me hence leaving me with no money to live on for the month.

 

Also could you advise a decent bank, I will need to change banks, but who do I trust in my circumstances, at this time I cannot afford these bank charges as the DM take every spare penny I have to cover my debts which occured through my husbands illness 10 years ago. Every bank charge means less food for the family.

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I think that all the major banks are the same, personally I would try to do without the extras, just use a card to withdraw cash, no direct debits, no cheque book, if you can do without. Yes do the SAR with the rest as well.

 

By the way, do any of the debts relate to credit cards?

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

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

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Hi Rippedoffagain

 

Yes they are all credit card and unsecured loans. MBNA, Capital One, Barclaycard visa and master card, TSB Visa and master card, egg, Cahoot, Marbles, HFC Bank Loan, Lloyds TSB bank loans x 4 RBS loan, some loans only have a couple of hundred pounds left to owed but with the DM programme the less you owe the less you pay back, I had a very nasty phone call from Cahoots third party collectors for 33p under paid last month via the DM company. Talk about wanting to murder, the stuffed shirt really got under my skin.

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Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

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

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Hi

 

Just to let you know, letters have gone to Nat West, Nationwide, Citibank, and Lloyds, I cant wait now for the next 40 days to see what materialises. I started to look at the links that you sent regarding Credit Cards which loks really in depth and I really got quite confused with the amount of legal jargin that was being discussed by other members, please ttell me has anyone fought the credit card companies regarding this. I will obviously keep reading, but I hope I dont loose track b4 I get to page 104

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There have been successes, in that some companies have withdrawn action. I read a post a few weeks ago where a CAGer had £28,000? written off.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

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

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Hi

 

I have signed the petition also

 

Thank you, sorry the post is buried amongst thousands of others I have read, but this one might interest you.http://www.consumeractiongroup.co.uk/forum/legalities/25668-curious-twist-two-cca-4.html

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

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

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  • 2 weeks later...

Hi

 

It is over a week since I sent the original letters asking for bank statements, do I now start sending another letter reminding them that I am still waiting? if so is there a template?

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Hi Rebel,

I rang Natwest to order statements. You can order as many as you like and they charge you a total of £5 which is debited to your account when they are done. Turnaround 5 - 7 days. I rang Saturday and am hoping they turn up this week!

CL

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They have 40 days to comply with the Sar and from the list you have sent to....all should be straightforward.

The 10.00 fee would cover all the accounts with the same institution.

The only thing outside the ordinary will be a letter and enclosed form from Citi asking you to provide 2 proofs of ID.

Maybe would help you to have a look in the debt forums.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Hi

I have now received the bank statements, and am stuck on interest and the schedule I have to fill in. IE what is Compound interest? I was busy adding up the interest that has been charged on my Nat West account for the last 6 years, is this wrong? I have seen that a schedule listing the amounts claimed is to be used but unfortunatley cant open the links. IM on my dads PC which is not allowing the attachements to open.

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  • 4 weeks later...

Hi

 

Has anyone got any experince etc with CCJ's Lloyds TSB has just finally won there case against me, even though I was not given time and dates of the County Court hearing and stating on the court papers that I would be defending my case, due to excesive bank charges, etc which I believe amounts to thousands of pounds. I hope there is someone who can really help me, as I have been told to go to the CAB, Trading standards and also the finacial ombudsman, plus wriet a letter of complaint to the court?

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  • 1 month later...

Hi

 

I have contacted you as you were kind enough to post a reply to my thread.

 

My story is long bu I will try to keep it short and sweet.

 

Lloyds TSB succesfully won a CCJ against me in June of this year. The fisrt court forms came through last October, I am with a Debt Management company who told me not to worry to send everything of to them as I received it and they would deal with it for me, but they coudnt go to court with me as I wanted to dispute the case, due to bank charges. In December of last year I was notified that the case had been transferred to the local county courts for me to attend,I also received an allocation questionaire which was duly sent to Payplan. I didnt hear anything more for months, I honestly thought that LLoyds TSB had not won the case as I had heard nothing until June of this year when I was notified of the CCJ. I contacted Payplan who just logged up the debt of £38,000 without any more questions asked. I then decided to fill in form N244 and paid my £65 to the courts to try and have the CCJ put aside. I asked Payplan for copies of the paperwork thay had submitted to the courts, on recieving the copies I noted that the allocation questionaire had not been filled in by them . I then had 4 days before being able to speak to them, still no answer to my calls so I went to see them unannounced which took them by surprise as I asked to see the MD. I got to speak to the head of the legal team and also head of customer services who nether of them could explain why the allocation questionaire hadnt been filled in and returned to the courts. This is why the CCJ has been done. After 2 hours of discussion with nether an apology or reason, they said that they would contact LLoyds TSB to try and sort out why the amount was extremely high. The same day I got a phone call back from the head of customer services to say that they has spoke to Lloyds TSB whom had admitted that £15,000 which had been paid to them via Payplan had not been deducted from the total. It also appears this amount of £38,000 is two loans put together with interest added on. I have not been notified of this or signed any paperwork from lloyds to say that I would agree to do this. I also submitted a S.A.R - (Subject Access Request) to lloyds for copies of bank Statements, loans agreements T&C's and credit card statements enclosing a £10 PO, a letter came back within 10 days with my original S.A.R - (Subject Access Request)'s letter plus PO stating that the amount was a loan.I had my court hearing on the 13th of this month Lloyds solicitors didnt turn up, just wrote a letter to the courts stating why the CCJ shoudnt be put aside. The judge listened to what I had to say, and has set aside the CCJ for 28 days to allow me time to get a solicitor as he said that I had a very good chance of persuing this to a win. Problem I cant get legal aid as I am £250 am month over limit, Judge has told me that Barristers will be involved I cant afford a solicitor myself due to the Debt Management, Althoughh the judge has said that I have a case, a private solicitor has said that I have a case against LLoyds and also Payplan and yet I cant afford him:evil: Any ideas how I can get this sorted or is it worth is as I am thinking of either an IVA if I can get a job ( I am self employed at this time however this is finishing next week) or sell up, divorce and go bankrupt.:sad:

 

 

 

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My story is long bu I will try to keep it short and sweet.

 

Lloyds TSB succesfully won a CCJ against me in June of this year. The fisrt court forms came through last October, I am with a Debt Management company who told me not to worry to send everything of to them as I received it and they would deal with it for me, but they coudnt go to court with me as I wanted to dispute the case, due to bank charges. In December of last year I was notified that the case had been transferred to the local county courts for me to attend,I also received an allocation questionaire which was duly sent to Payplan. I didnt hear anything more for months, I honestly thought that LLoyds TSB had not won the case as I had heard nothing until June of this year when I was notified of the CCJ.:evil: I contacted Payplan who just logged up the debt of £38,000 without any more questions asked. I then decided to fill in form N244 and paid my £65 to the courts to try and have the CCJ put aside. I asked Payplan for copies of the paperwork thay had submitted to the courts, on recieving the copies I noted that the allocation questionaire had not been filled in by them. I then had 4 days before being able to speak to them, still no answer to my calls so I went to see them unannounced which took them by surprise as I asked to see the MD. I got to speak to the head of the legal team and also head of customer services who nether of them could explain why the allocation questionaire hadnt been filled in and returned to the courts. This is why the CCJ has been done. After 2 hours of discussion with nether an apology or reason, they said that they would contact LLoyds TSB to try and sort out why the amount was extremely high. The same day I got a phone call back from the head of customer services to say that they has spoke to Lloyds TSB whom had admitted that £15,000 which had been paid to them via Payplan had not been deducted from the total. It also appears this amount of £38,000 is two loans put together with interest added on. I have not been notified of this or signed any paperwork from lloyds to say that I would agree to do this. I also submitted a S.A.R - (Subject Access Request) to lloyds for copies of bank Statements, loans agreements T&C's and credit card statements enclosing a £10 PO, a letter came back within 10 days with my original S.A.R - (Subject Access Request)'s letter plus PO stating that the amount was a loan.I had my court hearing on the 13th of this month Lloyds solicitors didnt turn up, just wrote a letter to the courts stating why the CCJ shoudnt be put aside. The judge listened to what I had to say, and has set aside the CCJ for 28 days to allow me time to get a solicitor as he said that I had a very good chance of persuing this to a win. Problem I cant get legal aid as I am £250 am month over limit, Judge has told me that Barristers will be involved I cant afford a solicitor myself due to the Debt Management, Althoughh the judge has said that I have a case, a private solicitor has said that I have a case against LLoyds and also Payplan and yet I cant afford him. Any ideas how I can get this sorted or is it worth is as I am thinking of either an IVA if I can get a job ( I am self employed at this time however this is finishing next week) or sell up, divorce and go bankrupt.:sad:

 

 

 

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hi,

i'm sorry i cant help u with the questions youve asked above, but i wanted to wish u the best of luck with your claim, i'm very confident someone on here can help u and point u in the right direction.

i'll be watching with interest

take care

christina

 

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