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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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B Hedge v. Natwest


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Hi,

 

Firstly, thanks to everyone who has been good enough to post their experiences they have been very helpful.

 

Secondly my situation, I have sent the 'request for repayment of charges' letter and the LBA including schedule of charges both of which were ignored by the Natwest. I have therefore issued a claim in the County Court and received a Acknowledgment of Service from Cobbett's.

 

I have been away over Easter and when I returned I found an offer letter dated 4th April from Natwest Customer Relations sap Stuart Higley offering me a 'goodwill' £2904 (the claim is for £3089.50). However I also received Cobbett's defence (pretty standard letter I think) dated 5th April.

 

My questions are; am I right to reject this as a full settlement and pursue the additional 8% statutory interest and court fee? Is this a common tactic by them to try and wrong-foot us?

 

Thanks in advance

B Hedge

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Guest NATTIE

yes you can reject this as it is not a full settlement, is this a tactic? no there are many occasions when a call to the bank can reveal the offer that will be made(usually charges minus interest).

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Allocation Questionnaires - A guide to completion

 

You could also propose a Draft Directions Order:

New strategy for Allocation Questionaires

 

Other Information - Section G:

 

I am respectfully requesting that my claim be allocated to the small claims track.

 

This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument.

 

However, the continuing problem is, (in common with the 100s of other cases currently being brought by other bank customers), that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith.

 

Accordingly, I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. This would bring a rapid end, not only to this litigation, but would also likely bring an end to much of the litigation in progress against other high-street banks.

 

It's a bit of squeeze, but very important you enter all the details.

 

Include copy of schedule

 

Cheque to HM Courts Service

 

Fee will be added automatically to your claim

 

Send copy of your AQ to Cobbetts

 

Hope this helps!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

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

 

 

:D NAT WEST - WON - £4282.36:D

 

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To be honest I dont think it would. There have been several people who've made more than one claim against the same bank and the fact that they've recieved settlement from one didn't make the second claim any quicker, so cant really see the mention of an offer speeding things up in anyway!!

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IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

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

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 3 weeks later...

Thanks for everyone's continued help, another query though:

 

Today I received the Defendants AQ with this in the "other info" section:

 

"The claimant has not shown that they have reasonable grounds for bringing the claim and despite the Defendant requesting that the Claimant remedy the lack of particularity pleaded in the Particulars of Claim, the Claimant has failed to do so. Case management directions cannot be processed until the Claimant fully particularises their Claim. In light of this, the Defendant may amend its Defence or apply to strike out."

 

I've searched on this but can find no consistent course of action.

 

My POC were cut and pasted from the templates section on this site (with slight modifications) with a schedule of charges, and my AQ was completed in line with the "New strategy for AQs" thread.

 

My questions are, is this just a delaying tactic, is it worth resending Cobblers a copy, should I be worried about a potential striking out application or should I stand firm and ignore it?

 

Plus they've filled in an N149 but the court sent me a N150, is this relevant?

 

Thanks very much in advance.

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Thanks for everyone's continued help, another query though:

 

Today I received the Defendants AQ with this in the "other info" section:

 

"The claimant has not shown that they have reasonable grounds for bringing the claim and despite the Defendant requesting that the Claimant remedy the lack of particularity pleaded in the Particulars of Claim, the Claimant has failed to do so. Case management directions cannot be processed until the Claimant fully particularises their Claim. In light of this, the Defendant may amend its Defence or apply to strike out." dont do anything

 

I've searched on this but can find no consistent course of action.

 

My POC were cut and pasted from the templates section on this site (with slight modifications) with a schedule of charges, and my AQ was completed in line with the "New strategy for AQs" thread.Both OK

 

My questions are, is this just a delaying tactic, is it worth resending Cobblers a copy, should I be worried about a potential striking out application or should I stand firm and ignore it?Delaying & ignore it

 

Plus they've filled in an N149 but the court sent me a N150, is this relevant? Doesn't matter

 

Thanks very much in advance.

 

 

All standard stuff from cobblers

 

Dont worry

 

Scott

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Thanks for very much your reply.

 

Just an update: the AQ deadline was Monday 30th April and I phoned the court this morning to see if Cobblers had missed it. It seems they have as they have not yet filed their AQ, so I'm hoping the judge will be thoroughly sick of banks and their shenanigans and penalise them in some way.

 

I'm a bit peeved that they can use the court system in this way.

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  • 2 weeks later...

I have received the "Allocation to the Small Claims Track (Hearing)" letter on it there is no mention of any 'directions'. It does say all documents to be relied upon must be submitted etc. which I guess is the standard bit. Am I to assume my draft order for directions was not ordered?

 

It has been allocated 10 minutes (only 10?) on 5th June.

 

Thanks for everyone's continued advice.

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  • 2 weeks later...

A quick question.

 

If Cobblers settle before it gets to court do you still get the s.69 interest? I ask because my court date is Tuesday and I've just got back from a week away to find a special delivery note telling me there is a letter to sign for at the sorting office which I hope is from them (or is that wishful thinking?).

 

Thanks in advance

B Hedge

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Quick answer - yes!

 

And if they don't, hold it for it at this stage.

 

Good luck - hope the letters a full settlement offer of charges, interest and court cost. xxx :p

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I'm probably putting the cart before the horse here but if it is not the full amount what is considered the best means of approaching them, a telephone call? Do I suggest they do a BACS transfer if they want to avoid court on Tuesday?

 

Thanks

B Hedge

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bhedge Just a few words of warning. Of course dependant on which court you are in be prepared. Did you answer the Cobblers CPR 18 y/n if you used the standard NO then be prepared for cobblers to ask for a direction first to make you respond to it. I fell for that one. Is your court bundle to spec. Are the pages numbered and contents list to match. If the judge gives direction for you to comply to the CPR 18 then ask for 14 days to comply.Then as for the next hearing to be a directions hearing saying that you can only answer the CPR18 in generic terms because NatWest has failed to supply you with all the information as request within your Access Letter. This will then open the door for you to slap a CPR18 on NatWestThis he should grant. You can always request that the case be sent to Crown Court this will probably be thrown out and at least Cobbetts will argue for it not to go.In any case Cobblers will probably phone you at about 15:30 on Monday and make an offer. This offer will be less than your total so then it is up to you if you take it or not.StevePMIf you find this helpful please check my scales.

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StevePM

 

If you find this useful please tip my scales

 

First win £5k+ another five on the go all with NatWest

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Hi Steve,

 

Thanks for your reply.

 

I hope my bundle is up to scratch. Although I didn't number the pages I did make sure my contents were comprehensive and did it indicate the order of the bundle. Cobblers haven't submitted one and with the court date being two days away (Tues 5th June 2.00pm) I guess they can't.

 

As for CPR18, they never sent me one. I think they may have been wrong footed by the court date being so soon - I followed the new method for the AQ and asked for a Draft order of Directions but the judge didn't order it instead in reply he gave us a court date which was only two weeks away - I suppose that had a similar effect as the Draft order as it cut the potential time scale significantly.

 

What is an Access Letter Is that the S.A.R? I didn't send one, only the Data Protection letter, should I have done?

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arnt you the lucky one no CPR18 but I would guess they will try to spring this on you at the court

 

Good luck

 

StevePM

 

if you need help just scream

StevePM

 

If you find this useful please tip my scales

 

First win £5k+ another five on the go all with NatWest

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Can they realistically use the court given that they haven't submitted a bundle and I wont give them permission to use any evidence they haven't already submitted?

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Well I'm pleased to say that the two Special Delivery letters waiting for me at the sorting office were the NastyWest paying up the full amount, £4200 (the day before the hearing as usual)! So this thread can be marked as settled or won or something.

 

The letter said they'd win if it went to court blah blah but I found it funny that the 'revisal fee' I tried to claim back they wouldn't pay as they claim it is a 'legitimate' charge, oh, so does that mean they others were illegitimate?

 

I was claiming back fees for a dissolved company so for anyone else about to do this, the way I did it was to claim in my name (not on behalf of...) but still delete all references to consumer law and on your schedule of charges put the account name as your company name. This way you're not pulling the wool over anyone's eyes, so when the time comes you should still get a cheque made out to you rather than your dissolved company. Well it worked for me anyway.

 

Thanks again for everyone's invaluable help, I would have found it a lot more stressful without it.

 

Regards

B Hedge

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Well done mate.......... CONGRATULATIONS to you!!!!

Another fine win for the CAGGERS!!!!

Enjoy the cash, best wishes, hedgey

xxx :D :D :D

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