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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.

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Claiming beyond 6 yrs - important new information!!!


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OK.

 

That was generous of BoS - so, kennythecelt (and others) are we going ahead?

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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Yippeeeeeeee !!!!!!!!!

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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. . . . and thanks, Bennyowen!

 

(Been through the abbreviations section . . . please, what is POC? (DOH!)

 

 

 

 

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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Hi Dusary et al.

 

I would like to check out who has done this with BoS. Will do some research on this site and others I am aware of. I am a better financial position than I was so don't need to rush in. However, I will balance that against the actions for reclaim I am building. Will total it all up.

 

I don't like what they did to me and my family. To be quite honest this is getting a bit personal with them and I know I need to temper that down. However, their arrogance and past misdemeanours has fired me up.

 

Considering it.

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Yeah!

 

I've been searching around as well.

 

I'm sure that Bennyowen has a valid point!

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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Does anyone know if this applies to charges on Business accounts. Barclays' charges (many of them their fault because they were posting our deposits to the wrong account) caused our buiness to fail in the 1990s - would love to get something back from them!

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Does anyone know if this applies to charges on Business accounts. Barclays' charges (many of them their fault because they were posting our deposits to the wrong account) caused our buiness to fail in the 1990s - would love to get something back from them!

 

Hi Gran, Business claims are a little different in the wording of the LBA, Pre lim and court claims, only in as such certain terms are not the same ( IE consumer laws etc)

As a business i hope you still have your statements and any summary of charges sheets ( my bank is HSBC and may differ from yours), if you do start to look at doing a spreadsheet of the charges.

It all seems very comlex, but persevere, the more you read the more you learn that its not that hard to see it all through to the end, and getting your money back.

there are something like 150 thousand members of CAG and many of us will help you, we dont all know it all, but there is always somebody somewhere that can help fill in the blanks.

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Thanks. I don't have anything - the business folded in 1997 and I've just cleared everything from our attic. I suppose the first step is to ask for copies from the Bank - but as I'm not asking in the capacity of a consumer are they still obligated to supply them?

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Hi Gran, you have a fight on hands here.

All of the banks at this point are only supplying copies of statements going back 6 years,with the excuse they are not legally bound to supply/ keep anything older, its all total rubbish of course, but its getting the info out of them.

Would your accountant have copies. I take it all the old business books have been disposed of;

wish i could give brighter news, but without copies/ proof of charges, you dont have much if anything to put a claim in.

Really hope you can find something

Kind regards & wishes

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Thanks. I don't have anything - the business folded in 1997 and I've just cleared everything from our attic. I suppose the first step is to ask for copies from the Bank - but as I'm not asking in the capacity of a consumer are they still obligated to supply them?

 

Were you a sole trader or a limited company, Gran?

 

If you were a sole trader then you still make a SAR for your information as an individual, just as you would for a personal account.

 

If you were a limited company, you can still ask for copy statements but they might charge you to supply them (if they have them!)

 

Other claimants on the Barclays forum should be able to tell you more about how far back they have been able to obtain statements,etc.

 

As Celicaman says, it won't be easy, but keep at it.:)

 

Els

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Hi Gran, you have a fight on hands here.

All of the banks at this point are only supplying copies of statements going back 6 years,with the excuse they are not legally bound to supply/ keep anything older, its all total rubbish of course, but its getting the info out of them.

CM

 

Sorry to butt in here - but HBoS (formerly BoS) supplied me with statements (for one of my two accounts) going back to 1996.

 

Be that as it may - I'm perfectly happy to ask for all the charges from 1996 - 2007 back - it's a whopping £21k (incl interest) .... in fact, I WANT to ask for them all back . . . however, if it went down the legal route . . . would I be actually jeopardising even a 6-year claim?

 

Bennyowen, I got the answer, thanks. Does the POC apply in Scotland, does anyone know?

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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Were you a sole trader or a limited company, Gran?

 

If you were a sole trader then you still make a S.A.R - (Subject Access Request) for your information as an individual, just as you would for a personal account.

 

If you were a limited company, you can still ask for copy statements but they might charge you to supply them (if they have them!)

 

Other claimants on the Barclays forum should be able to tell you more about how far back they have been able to obtain statements,etc.

 

As Celicaman says, it won't be easy, but keep at it.:)

 

Els

Great. Thanks to both of your for your advice. We were a sole trader, well my hubby was anyway. Our accountant doesn't have copies of bank statements. I'll try for a SAR first and will let you know how I get on ...I presume it will be the same address for Barclays and the format of the letter will be the same as if I was asking for information as a consumer.

 

Gran

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LIMITATIONS ACT - beyond 6 yrs

 

I put in a claim for SIX years of bank charges. Nationwide paid part of them (£791.00), but the have not paid the remainder (£200.00)

 

I have been sent a form from the court to send back saying I either tick the box to accept the lower amount or tick the box to say I don't accept. If I don't accept I have to state reasons why on form provided.

 

On the form from the court Nationwide have written (in defense of the remaining £200):

 

''The defendant has refunded all charges debited to the claimant's account since 29/03/01 that had not previously been refunded. Insofar as the claim rerlates to charges debited to the claimant's account before 29/03/2001 it is barred by virtue of the provisions of the Limitation Act 1980.''

 

Can anyone tell me what I should write officially on my court form in response?

 

I need to send the court form back to the court and to Nationwide today. Advice urgently needed!!!

 

Many thanks,

Erica

 

PS The reason why the dates now go beyond six years is because NW were so slow sending statements, time to take to court etc...

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Can anyone tell me what I should write officially on my court form in response?

 

I need to send the court form back to the court and to Nationwide today. Advice urgently needed!!!

 

Many thanks,

Erica

 

PS The reason why the dates now go beyond six years is because NW were so slow sending statements, time to take to court etc...

 

 

What court form are you referring to?

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Form entitled 'Notice of Defense that Amount Claimed Has Been Paid'

 

The form says: 'the defendent says the amount you are claiming has been paid (see form attatched - N9B).

 

(my own notes - they haven't they've only paid about £800 not £1000, because of the limitations act)

 

Please tell the court what you want to do:

 

a) I wish to proceed with this claim

2) I do not wish to proceed with this claim.

 

I wish to proceed with the claim to get all of my money back, what should I write on the form?

 

(ie. I disagree with the defense because....)

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...I presume it will be the same address for Barclays and the format of the letter will be the same as if I was asking for information as a consumer.

 

Gran

 

Yes, just head your letter with the same title as it appeared on the account e.g. Dave's Gran's OH t/a Bankbusters.

 

You'll get the correct address details from the Barclays Forum stickies.

 

Els

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Out of my depth perhaps.......

 

Claim just transferred to my local court. Made a slight mistake and claiming for 3 months prior to 19.2.2001, Lloyds are now defending on these grounds ,saying I am unable to verify these charges (I actually took this info from statements they sent me)

 

Should I delete these 3 months when sending my schedule to the court (also updated version to the bank) or is the original amount set in stone and by doing this will it be thrown out of court?

 

Cannot locate anyone that has been successful claiming beyond 6 years

 

need to get this correct if I am to continue

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Has anyone had any success with claiming beyond the 6 years?

 

Hi have a read of Bongs claim

 

 

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs-new-post.html

 

You need to word claim to get Limitations act removed/discounted

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Sorry celicaman but the link goes full circle and back to here!

 

 

I just knew we would end up chasing our tails one day LOL

 

sorry bout that try this one

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html

 

that looks much better

 

CM

  • Haha 1

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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All

 

I know there used to be a sticky about claiming for a period beyond 6 years, but I can't seem to find it anymore, so forgive me if any of you feel I'm hijacking the thread. I'm trying to get a question answered but the responses I've had thus far in the bank-specific forum don't give me the confidence I feel I need in order to proceed.

 

Basic summary:

 

  • Had statements back from Halifax today, covering 6 years (well, 5 in my case due to my own inertia). I had worded the letter to ask for statements covering 'my banking history with your organisation', which in fact is over 17 years

  • Statements provided show charges of £1721 with just over £500 interest. This is only the tip of the iceberg. They have ripped me off for far, far more over the years.

 

I'm unsure:

 

a) Whether I can claim for this initial amount now and pursue them for the rest later; or whether I need to persevere at this stage and make a single claim

 

b) If the former, whether this would affect the contents of my Prelim request (i.e. would I need to add anything or remove anything)? If the latter, what would the difference be case-wide, compared with to the templated procedures in the CAG libraries?

 

That's it really - thanks for taking the time out to have a look at my question. I'd be really grateful and happy if someone would be able to buddy up with me offer some assistance :D

 

Regards

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Hi Concensus of opinion seem to be keep claim together, pre 6 years and post 6 years.

If you only had Pre six years, there is more chance you could lose on the 6 year limitations act, with post 6 years together with post 6 years, it cant be thrown out of court on those grounds.

if yiou are going to claim for the pre years, make sure you learn your arguments for disposing with the limitations act

Not sure on other stuff as time for bed.

Will try to follow thread later

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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