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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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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.
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Claiming beyond 6 yrs - important new information!!!


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Absolutely! If the money was paid as a "goodwill gesture" and nothing else, without any admission of liability from the bank, its yours to do with as you wish.
I think the more responsible option at this stage would be to accept it in part payment and, as previously advised to nthe questioner; raise a rejection letter.
  • 04/04/07 - £104 exit fee refund - Portman BS
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I spoke to the Halifax today and they are asking me to return the payment, but as you say they did "specify" that it was a goodwill gesture and not a refund of unlawful charges so I do not see there is any need to send it back. When I spoke to them they said this test case could take up to twelve months to get resolved - is this right?

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Its your money, they took it from you unlawfully. Rather than giving it to them again, you should be demanding when they intend returning the rest of YOUR money that they took without your consent.

 

Hi Lizzy,

I fully agree with moonmill, there is now way I would pay back any goodwill payment, or any part refund of charges to any bank, under any circumstances where Im claiming refund of charges, get it out your account quickly and under the bed before they have a chance to take it out your account, IMO:o ..GC

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Have received payment for my claim going back 6yrs to 2001 without court action and did not sign away my right to issue further claims against the bank. Have statements going back to 1998 can I issue another claim for these earlier yrs on the same business account? Have all the statements.

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Two things came in the mail this morning, another two whole sets of charges, thats six sets in all - it was was over the 40 days in the data protection act and I had nothing, then suddenly I keep getting them - they obviously do not keep records very well, have to much time and too much money(the money is obvious). It is ridiculous when some people cannot get theirs at all.

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When I contacted them regarding the refund they wanted returned, I told them that - as you said it was a goodwill offer (no mention of a refund of unlawful charges) they believed their charges were lawful, they were suspending all payouts until after this test case - so would I.

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When I contacted them regarding the refund they wanted returned, I told them that - as you said it was a goodwill offer (no mention of a refund of unlawful charges) they believed their charges were lawful, they were suspending all payouts until after this test case - so would I.

 

 

Hi,

 

 

Well done! Dead right as well!;)

 

 

Jeff.

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When I contacted them regarding the refund they wanted returned, I told them that - as you said it was a goodwill offer (no mention of a refund of unlawful charges) they believed their charges were lawful, they were suspending all payouts until after this test case - so would I.

 

Well done lizzy, better in your pocket, the rest will come..Gc

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I sent a SAR to Northern Bank for transactional data from 1987-93 which they ignored, stating "disproportionate effort" as a reason why they wouldn't comply.

 

Complaint was sent to the ICO who instructed them to comply.

 

I started samll claim action to enforce compliance and have now recieved their defence:

 

"The Bank denies that the Applicant has an account with the bank.

 

(Never claimed that I did)

 

The bank believes that the Applicant had an account or accounts that were closed in or about 1993 .

 

The Bank recieved a S.A.R - (Subject Access Request) from the Applicant on or about 13 April 2007 together with the statutory fee of £10. The SAR requested, inter alia, a complete list of of all transactions and charges relating to the Applicant's banking history with the Bank. the bank advised the Applicant that it could not comply with the request.

 

The bank recieved a letter from the Information Commissioners Office dated 3 July 2007 and will respond to same.

 

The Bank submits that it has acted lawfully in relation to the Applicant's S.A.R - (Subject Access Request) since bank records of transactions for the period 1987 to 1993 are held on microfiche records. Such records do not constitute a relavent filing system within the meaning of the Data Protection Act 1998 since they are filed by date od statement and not be customer name, address or account number. Customer statements were issued after every 30 transactions (page full).

 

In the alternative, if the Court finds that the microfiche records are a relavent filing system, which is denied, the bank submits that recovery of the Applicant's records would require disproportionate effort within the meaning of the Act and the Bank is not obliged to provide the data requested.

 

The Bank denies that the Applicant has established any claim for return of alleged "penalty charges unlawfully debited" which in any event would be statute barred under the Statute of Limitations.

 

The Bank denies that any award for damages should be made to the Applicant.

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Now THAT's VERY interesting

 

Such records do not constitute a relavent filing system within the meaning of the Data Protection Act 1998 since they are filed by date od statement and not be customer name, address or account number.

 

Any comments

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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Has anyone got the corrrect details for what i need to put in and to use in filling in the court claim form for claiming over 6 years.

 

All help appreciated.

 

43154

 

First I suggest you do some reading around various threads also have a look at the limitation act section 32.

 

You need to prove they have deliberately concealed the unlawful charges or knowingly witheld information form you.

 

LIMITATION ACT 1980

1980 CHAPTER 58

PART II EXTENSION OR EXCLUSION OF ORDINARY TIME LIMITS

Fraud, concealment and mistake

Royal Assent [13 November 1980]

Limitation Act 1980, Ch. 58, s. 32 (Eng.)

32 Postponement of limitation period in case of fraud, concealment or mistake

 

(1) Subject to [subsections (3) and (4A)] below, where in the case of any action for which a period of limitation is prescribed by this Act, either--

(a) the action is based upon the fraud of the defendant; or

(b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or

© the action is for relief from the consequences of a mistake;

the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it.

References in this subsection to the defendant include references to the defendant's agent and to any person through whom the defendant claims and his agent.

(2) For the purposes of subsection (1) above, deliberate commission of a breach of duty in circumstances in which it is unlikely to be discovered for some time amounts to deliberate concealment of the facts involved in that breach of duty.

(3) Nothing in this section shall enable any action--

(a) to recover, or recover the value of, any property; or

(b) to enforce any charge against, or set aside any transaction affecting, any property;

to be brought against the purchaser of the property or any person claiming through him in any case where the property has been purchased for valuable consideration by an innocent third party since the fraud or concealment or (as the case may be) the transaction in which the mistake was made took place.

(4) A purchaser is an innocent third party for the purposes of this section--

(a) in the case of fraud or concealment of any fact relevant to the plaintiff's right of action, if he was not a party to the fraud or (as the case may be) to the concealment of that fact and did not at the time of the purchase know or have reason to believe that the fraud or concealment had taken place; and

(b) in the case of mistake, if he did not at the time of the purchase know or have reason to believe that the mistake had been made.

[(4A) Subsection (1) above shall not apply in relation to the time limit prescribed by section 11A(3) of this Act or in relation to that time limit as applied by virtue of section 12(1) of this Act].

[(5) Sections 14A and 14B of this Act shall not apply to any action to which subsection (1)(b) above applies (and accordingly the period of limitation referred to in that subsection, in any case to which either of those sections would otherwise apply, is the period applicable under section 2 of this Act).]

 

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Got what I expected from the FOS, it said that the banks were suspending any payouts until the test case was resolved - they went on to explain about the test case and what it was. They asked me to put my signature on a form just to give them permission to take up the case again as soon as the test case is over (They could not give me any idea how long that may be).

 

So as far as I can see, there is nothing more I can do until the bank gets back to me about the letter I sent them refusing to give them back their offer of "Goodwill" - and I'm sure they will.

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Got what I expected from the FOS, it said that the banks were suspending any payouts until the test case was resolved - they went on to explain about the test case and what it was. They asked me to put my signature on a form just to give them permission to take up the case again as soon as the test case is over (They could not give me any idea how long that may be).

 

So as far as I can see, there is nothing more I can do until the bank gets back to me about the letter I sent them refusing to give them back their offer of "Goodwill" - and I'm sure they will.

 

You need to forget the FOS and file a claim with the local county court, then when the stay is ordered make an application to have it removed.

 

Tanz

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Update cross-posted from my thread for relevance

 

 

It just clicked. The latest letters I got from them, may have been in 'response' to the ICO's intervention.

 

There is no way of determining this precisely, because of the Halifax's habit (deliberate in my view) of obstructing complaints by using such tactics as correspondence that can neither be traced nor reconciled and standard template letters; thus making it extremely difficult to check their progress.

 

If this is the case, it would appear that HFX's idea of compliance is to send me not one, but four sets of documents with the same information about charges to my current account for the past six years. Nothing for the credit card account, so there remains tons of information missing about that, from both pre-6 years and later.

 

So I called the ICO this morning and told them of my suspicions. They advised that they had written to them on 17th July so their 28-day period with them was up; and that I should send in a chase-up letter and they would in turn approach Howard & Chums again.

 

Letter done. I'll post it in a separate post for ease of reference. I also enclosed a copy of the 'Account Holdings Summary' document I got from the branch last month, which indicates that they still retain data about me going back to the very beginning of my relationship with them in 1987. As always, I'll keep you posted :roll:

 

Halifax Plc are currently 97 days beyond my original 40-day SAR period.

 

(will cross-post to 'Claiming Beyond 6 years' thread as I think it is relevant)

  • 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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