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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

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Koala Attack Vs Barclays


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Guest baznew1

Thanks for the advise KK.

I just got in from work and have a letter from Barclays with a new Terms AND Conditions Booklet.

Which come into effect on 14th May 2007.

From looking through it briefly, it looks as though they are trying to push being allowed to charge for o/drafts and such. at their discretion.

Some statements:

"We may also upgrade your account or enhance the services we provide to you where you will incur no extra cost and we consider this is to your advantage."

 

Looks like their lawyers have been at work here.

The item reference for this change is :BAR69811BROB1

 

Just a heads up.

I'm getting my letters out today and hope to beat the deadline of May 14th just in case.

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Bookworm - as ever the voice of reason.

 

p.s.

 

Whats FNMF?

 

Thank you.

 

FNMF = First National Motor Finance, in their heyday, held over 60% of the car finance market, now "dormant", sold to Abbey in 200...3, if memory serves.

 

Apologies for brief hijack, KA! :-)

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No worries Bookworm!

 

baz - I think that may well be the standard response, mind you, I haven't had it yet; I wonder if they're going to say they lost my documents?! I've checked with the Royal Mail website and my letter was delivered as promised so they've had it. Where does that leave me just out of interest? If I have the proof that it was delivered is it just tough on them? Anyone know?!

 

Also baz, no offence mate but it's KA - KK is a little too close to a bunch of idiots for my liking!

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Guest baznew1

LOL Sorry KA. I am living in America after all.

 

If you have proof that they received and signed for your letter I believe you are in the best position.

 

Ive read it on this site somewhere, perhaps someone else can tell you. But you could always send a copy of the letter they received, with dates etc. when you request payment . Not sure if that would fly, but you've done your bit. Its up to them if they lose stuff.

Its a paper trail for court if you ever get there Fnaar Fnaar

Baz

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Well, well...

 

Almost in the words of either NWA or Public Emeny (I think NWA but can't really remember)(Public Enemy, I checked):

 

"I got a letter from the government (well Barclays anyway) the other day, opened it and read it it said they were suckers!"

 

Barclays sent me a response this morning, what a load of old tosh! New one to me though as it makes no mention of fees or a handy booklet explaining what I signed up for which is what I thought I was going to get.

 

Anyway, here it is...

 

"Dear KA,

 

We are sorry you have had to contact us about the level of service you have received from Barclays... ...blah, blah, blah... ...looking into your concerns, will get back to you by no later than 25th April (day after my N1 goes to court)... ...blah, blah, blah... ...telephone number to discuss any issues... ...blah, blah, blah... ...I have enclosed a leaflet explaining how Barclays works to resolve complaints. I hope you find this useful."

 

The most interesting bit, apart from not even acknowledging the charges claim, was this

 

"Thank you for bringing this to our attention."

 

Now I know this is a stock response but surely I'm not the only one to have brought this to their attention am I?!

 

Just printed my LBA and cliams sheet (again) so will stick it in the post, recorded delivery on Saturday so that it is there for them on Tuesday.

 

Have a great Easter/weekend everyone,

 

KA.

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Hi guys,

 

Just back after Easter break and have been catching up on a few things - nice to see so many new threads and claims started, together with a few that have finally won; congatulations if you're one of these!

 

Barclays received my LBA on Tuesday (10th April - I have just check via Royal Mail and it was delivered) so I guess I just sit back and wait. I'm going to get my N1 filled in over the next week so that I can deliver it on 24th April. Can I just confirm with this that I only fill out one of these which I then deliver to court and they inform Barclays right? I know I keep a copy too but I don't need to send one to Barclays as well do I?

 

I'm also going to start getting my court bundle together - again, am I right in thinking that this is just three copies of the information I have found here together with all correspondence from me to Barclays and vice versa? Is there anything else I need to put in here?

 

Hope you're all well,

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Dammit! I just spoke to my local court (filling in my N1) and they told me that the claim is based on the full amount including the s69 8% interest up to the date that I file.

 

Basically what this means is that my claim is over £5k which brings up two issues - 1) I have to pay £250 not £120 which is a pain and 2) it probably won't be dealt with in the small claims court. The lady did say that the judge would decided on the day whether I was accountable for any costs should I lose, but I'm worried now as I could end up losing a lot!

 

Let's just hope I don't lose now eh?!

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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first of all, the judge may decide to keep it in the small claims track, it has been done before.

 

also, yeh it costs more to file, but hey, you get it back at the end.

 

why do you think you are gonna be stung for charges?

 

You are going to WIN, dyu hear? WIN WIN WIN

 

all costs will be paid by them.

 

come on stop feelin sorry for yourself and get motivated, stay positive.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Cheers dar3n,

 

It's never easy when you're told you will have to pay this much and then, in the worst case, you will have to pay 'x' in costs too - I guess hearing that from a court representative is the issue!

 

I was never going to give this up, but sometimes you sway a bit don't you?!

 

Anyway, just out of interest, has anyone heard of anyone having to actually go to court over this? Have Barclays (or any other bank) ever challenged the claim in court recently? I'm guessing no as that would have surely set a precident right? Also, if they had and they defended successfully then that would mean that they would always defend right?

 

As of today, Barclays have 10 working days to settle in full - my N1 is done, just being checked to make sure that I haven't screwed it up. I do have a couple of questions here actually that someone may be able to help me with (Harvest, if you read this it's not because I don't trust you I just figured someone may be able to save us some time!).

 

Ok, my questions...

 

1) reagarding the interest under s69 county courts act 1984; how the hell do I work this out? I have used their calculation and come up with a figure of 1.32 on the calculator - is this 1.32p or £1.32?! Sorry to sound so dumb but I really want to get this right. Also, does this get added onto my claim from the date of the first claim?!

 

2) when I use the s69 8% interest tab on the spreadsheet it gives me a £0.57 daily rate, so which is right? Is there a simple way to say this is how much the 8% is so this is how much I am claiming?

 

3) in the details of claim on page two, it says "sum of £ and any interest charged thereon" - in this do I put a) total charges; b) total interest on penalties (from top of interest and charges tab) or c) the whole amount of claim from the c. interest (daily) tab?!

 

Cheers,

 

KA

UPDATE! I think I have all of the answers for the above so don't worry about answering if you were going to. Thanks if you were though, I really appreciate it. KA.

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Hello,

 

Just found this which I think may be of interest:

 

NatWest in court over bank charges - Yahoo! News UK

 

I know it's not B'clays but it will be of interest to all banks. Seems like Natwest may turn up to defend against the "damages" claim which would be interesting.

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Really? So they turned up then? Or did the judge adjourn it because they didn't turn up?

 

Kimmy - do you have any more details? Is it certain that he is just claiming for damages and not the whole bank charges too? I think I read somewhere that they had repayed the charges but he wasn't happy at that so wanted to go for the lot, I could be wrong though!

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Here's some more info that I found:

 

Customer takes NatWest to court over bank charges | News_ | Guardian Unlimited Money

 

Cheers,

 

KA

 

Oops! Sorry Kimmy, thanks for that.

 

Ok, so basically he asked for his charges back plus damages, bank said no, he said yes, they said no again but then gave him £4k which he didn't want as they weren't admiting any wrong doing, they still didn't admit this so he went to court. Court wanted more time so they've adjourned it which is a shame as we won't know the outcome very quickly but good because at least it shows that the judge is taking him seriously even if Natwest weren't.

 

Good on him!

 

So if they rule in favour of him, how many of us are going to go for charges, composite interest and damages?! I've never come close to having anything truely awful happen because of the charges (thankfully) but I've often lost sleep over it all and I for one can't put a price on a good nights kip, may be I should claim for that?!

 

Sorry, that's not meant to make a joke out of some of the bad things that have happened to people because of their charges, it's just that a ruling in his favour really could stir up those sort of questions.

 

Surely the fact that he asked for £2.5k and they gave him £4k would indicate some form of liability on the banks side? It's almost like they tried to buy his silence. Tut, tut Natwest!

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Thanks chorlton!

 

Sorry, have I been really blind here and missed something really obvious? I checked through all of the templates, and through your thread and couldn't see anything like that. Sorry for being lame, thanks for your help.

 

Enjoy your money!

 

Cheers,

 

KA

 

PS I've been thinking - does the AQ come as a paper copy or can you get it electronically so that you can fill it in on a computer? I don't really fancy copying out everything by hand - I mean I will for £6k, I just don't fancy it!

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Hi guys,

 

Just a quick update - Barclays had until today to respond to my LBA. I left for work before the postman came so I'll have to wait and see whether they sent anything. I have a funny feeling there may well be a letter drop through my door tomorrow morning as that would mean they sent it today (the 28th day since my claim was received). Still, I do know that it won't be for the full amount.

 

I'm off to court tomorrow with my N1 and £250 (over £5,000 claimed so it costs that little bit extra) unless something remarkable happens!

 

Can I just run my N1 passed any of you who've done this successfully please? Cheers...

 

Brief details of claim

 

The Claimant has an account NUMBER with the Defendant, opened in DATE. Since 27/07/01 the Defendant debited charges and interest in respect of purported breaches of contract. The Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. The claimant contends that the charges exceed the Defendant's losses caused by the breaches; and 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.

 

Value

 

Charges £X

Overdraft Interest £Y

Interest under s.69 County Courts Act 1984 £0

Court Fee £250

TOTAL £(X+Y)+250

 

I have left the s.69 interest as £0 as I am not claiming at that rate right? This is explained later...

Particulars of Claim (attached)(to follow)

 

1. The Claimant has an account NUMBER ("the Account") with the Defendant which was opened on or around DATE.

2. During the period in which the Account has been operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

3. A list of the charges applied is attached to these particulars of claim.

4. The Claimant contends that:

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £X and penalty interest charged thereon in the sum of £Y;

b) Court costs; £250

c) the additional costs incurred by the Claimant in the writing and sending of letters to the Defendant pursuant to this claim in the sum of £12.50, as set out in the attached list of costs.

d) the Claimant claims contractual interest at a rate of 27.50% per annum, from the date of each transaction to 25th April 2007, as set out in the attached list of charges. The Claimant further claims interest, on the resulting total of £Z, at the same rate up to the date of judgement or earlier payment, at a daily rate of £1.74 per day.

The account’s Terms and Conditions specify the interest payable on unauthorised drawings from the account. The Claimant holds that this applies to unauthorised drawings by the Defendant as well as to unauthorised drawings by the Claimant. Should the court deem this incorrect, the Claimant claims the rate to be justified under the principle of mutuality and reciprocity, and is based on the Defendant’s unauthorised overdraft interest rate that would be applied under the terms of the above mentioned account.

Should the court find that this interest rate is not applicable, then in the alternative the Claimant claims interest under Section 69 of the County Court Act 1984 at the rate of 8% per annum calculated from 27th July 2001 to 25th April 2007.

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).

 

 

And that's it. Does that look ok? Sorry to post such a lot of stuff but I'm nearly there and I don't want to much anything up now!

 

Also, I take three copies of this and my spreadsheets with me right? 1 for me, one for court and one for the court to send to Barclays?

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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another full on CI claim, outstanding

 

B have just settled on Lovejoy's thread for CI at the unauthorised rate, sub £1k though, he had to issue a warrant

 

your's is a biggie, bigger than mine, watching with interest

 

good man

 

why not stick in a second variance of their authorised rate?

 

I'll let someone more experienced tackle your questions

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Cheers Mick,

 

I've had a look at Lovejoys' thread (as much as that name pains me given the game tomorrow night!) and it does seem like Barclays are the single most awkard bunch of people on the planet!

 

As for the second rate, I did think about that. Actually, I didn't think about it at all! Harvest (of Harvest vs First Direct fame) is helping me and he suggested it. Then we read through it all and figured that it's up to the judge to decide - if he doesn't go for my rate then the 8% is fine by me! Also, I have a funny feeling the judge will never have to think about this as Barclays won't let it get that far. I hope!

 

Cheers,

 

KA.

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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The Lovejoy doesn't go away to CFC games Lovejoy? idiot

 

Everything I've seen says give the second rate too, nothing to lose and perhaps something to gain, keeps pressure on the bank surely

 

and yeah to the judge but train hard, it's a biggish claim ...

 

very much rooting for your claim, I'm a week behind you with a smaller but still substantial claim

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I'm assuming you mean the TV Lovejoy is an idiot rather than Lovejoy on here or me?!

 

I might well add the second rate, it all depends on whether I can get my head around it and sort the maths - or does it just need a statement, and what is the rate that I quote anyway?

 

Cheers for the advice about training hard, you're right - I've always looked at this with the knowledge that I will go to court so I will get everything sorted; started my AQ already as that's next! And cheers for rooting for it - I'd love everyone to do this and win, it would make very little difference to the banks profit but imagine how good everyone would feel! I'm going on a time table of around 5 months which would mean end of June, just in time for my holiday!

 

Your use of "biggish claim" worries me though, I thought mine was pretty standard!

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Hi guys,

 

Nothing from Barclays last night - nice that they even bothered to acknowledge my claim!

 

Took three copies of the N1 in today, along with the extra particulars of claim and my two spreadsheets, it cost me £250 but it'll be worth it - I hope!

 

The lady was very helpful but laughed and said "bank charges?!" as I approached - they've had a few apparently! I'm off home at lunch to see if Barclays did send something yesterday - ie last minute - but either way it's too late now. The lady at the court did give me some very good advice, she said that you need to keep EVERYTHING the court sends you (and I would suggest everything to do with your claim) for ever basically, even when it's settled.

 

Anyway, I'm now taking my bank to court - go me!

 

Cheers,

 

KA.

Prelim letter received by Barclays: 26/03/07

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

 

LBA received by Barclays: 10/04/07

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

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

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

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

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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