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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX 2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all.   Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Urgent Advice needed please help


Yankeeruinx
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Hi right I am about to send my prelim for contractual interest to Barclays Bank but am a bit nervous as I don't want to mess this up.

Right I have the prelim template off of this site and have tried editing it to suit my needs based on the advice given to me by various forum members and here it is sort of.

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last 5 years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

I calculate that you have taken £945 plus £21.64 which you have charged me in overdraft interest for the sum which you have taken.

Total £966.64 .

I enclose a schedule of the charges which I am claiming with this letter.

If you would now be so kind as to check your records for these charges, and refund them fully and immediately, along with contractual interest as detailed in the attached schedule, then I shall consider the matter resolved

 

 

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

Yours faithfully,

 

 

Now my questions are, for the schedule do I just include a print out of the excel spreadsheets I used or do I have to send them copies of the bank statements, just the pages wih charges on or the whole lot.

Also should I put in how much the total amount is with contractual interest. Also which amount do I use monthly or daily off of the spreadsheet as monthly its £2383.53 and daily its £2412.05

 

Any help would be greatfully recieved and any alterations you think I should make to my prelim would also be helpful

 

Thanks

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Bump on this one and please edit the letter as it is from the bank templates section which is for registered users only.

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Hi right I am about to send my prelim for contractual interest to Barclays Bank but am a bit nervous as I don't want to mess this up.

Right I have the prelim template off of this site and have tried editing it to suit my needs based on the advice given to me by various forum members and here it is sort of.

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last 5 years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges reflect your costs and do not constitute penalties.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

I calculate that you have taken £945 plus £21.64 which you have charged me in overdraft interest for the sum which you have taken.

Total £966.64 .

I enclose a schedule of the charges which I am claiming with this letter.

If you would now be so kind as to check your records for these charges, and refund them fully and immediately, along with contractual interest as detailed in the attached schedule, then I shall consider the matter resolved

 

 

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

Yours faithfully,

 

 

Now my questions are, for the schedule do I just include a print out of the excel spreadsheets I used or do I have to send them copies of the bank statements, just the pages wih charges on or the whole lot.

Also should I put in how much the total amount is with contractual interest. Also which amount do I use monthly or daily off of the spreadsheet as monthly its £2383.53 and daily its £2412.05

 

Any help would be greatfully recieved and any alterations you think I should make to my prelim would also be helpful

 

Thanks

 

Yankee/Nattie, one edit in red and I wouldn't bother with the bit about the OFT - they'll only point out it was about credit cards not Bank accounts (even though the OFT also stated that its findings were likely to be relevant to Bank accounts). Save that argument for later - you'd just be wasting your breath at this stage.

 

I didn't understand your figures. Halfway down you mention £945 + £21.64 then you mention £2K plus later. How have you worked out the interest ?

 

Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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Well the interest charges where worked out from the spreadsheet which I got from this website and the £20 something charges where all the interest charges which they charged me. There were a some charges made called interest charged and they ranged from 41p to £2.17 and when added together came to around £20.

This is where I'm confused as I don't know where I should put the contractual interest rate in or if I should put it in at all. When worked out with contractual interest based on Barclays 27.5% rate for unauthorised borrowings the interest alone is over £1400 and I really don't want to mess this up in my prelim letter.

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Yankeeruinx, you're right to go for contractual interest and to claim it in your Prelim. Couple of things from what you say :

  • It sounds like the £21.64 comes from your Bank statements - in which case don't include it because it is a combination of interest on charges and interest on 'normal' transactions. But if it is from the spreadsheets on this site - esp the one which separates out these two elements of interest - then ignore me and include it;
  • the 27.5% unauthorised rate. Have you read up on the implications of that - it's not wrong per se, but there is a debate about whether to claim just your loss (more like the authorised rate) or do unto them etc (unauthorised rate). Later posts on : :http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html

What you'd write is (using the exact figs obviously !):

I calculate that you have taken £945 plus £1400 contractual interest at your unauthorised overdraft rate which you levied on the charges. [but see above, the word "taken" is not correct if they didn't charge you at 27.5% all the time - it would be based on the notion of mutuality and reciprocity which I've made no secret of not agreeing with]

Total £2.3K. I enclose a schedule of the charges which I am claiming with this letter. If you would now be so kind as to check your records for these charges, and refund them fully and immediately, along with contractual interest as detailed in the attached schedule, then I shall consider the matter resolved

 

Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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So it will be alright if I put £945 plus £1400 in contractual interest. I just want to make sure thats alright to put as they have not actually charged me that much in interest thats just what I want back as some form of compensation for them taking my money.

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But that's my point - in my view a claimant is on dodgy ground claiming a sum greater than their loss (ignoring court costs of course). If you ask me, it risks being accused of unjust enrichment (which is a bit ironic because that's what we are basically accusing the Banks of doing). On the other hand, Banks don't want to walk into Court (because it would mean disclosing their costs - the cat would be out the bag !). That's a risky game of brinkmanship - personal opinion ! It's entirely up to you, but I would stick to the authorised overdraft rate (which is still "contractual interest" - ie interest iaw the contract). As you might realise by now, there's a bit of debate : for example, post #110 onwards on here :

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/54548-could-biggest-claim-site-6.html

Abbey £8370 settled 17 Apr 07

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But that's my point - in my view a claimant is on dodgy ground claiming a sum greater than their loss (ignoring court costs of course). If you ask me, it risks being accused of unjust enrichment (which is a bit ironic because that's what we are basically accusing the Banks of doing). On the other hand, Banks don't want to walk into Court (because it would mean disclosing their costs - the cat would be out the bag !). That's a risky game of brinkmanship - personal opinion ! It's entirely up to you, but I would stick to the authorised overdraft rate (which is still "contractual interest" - ie interest iaw the contract). As you might realise by now, there's a bit of debate : for example, post #110 onwards on here :

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/54548-could-biggest-claim-site-6.html

 

I think this attitude is typical of us British, we dont want to cause to much fuss, shouldn't claim the higher rate because its too much.

 

Come on if Yankeeruinx is entitiled to it he has the right to claim it. I believe we have a better chance of claiming the higher rate, as thats what the banks charge us, and their charges are unlawful, the end amount claimed is immaterial, if your entitiled to it, claim it. Lets stop being easy on the banks, its our money, our contracts, our right to claim the higher interest.

 

I have a fairly large overdraft facility with my bank, which I believe is mainly due to my banks penalty charges, how many times have you extended your overdraft to 'accomodate' the charges... I believe claiming the higher rate is not only justifiable but only goes some way to compensating me of my loss + large O/D + plus numerous other unpaid items in the past.

 

Of course we need to know what we are claiming and be able to justify it at court, I believe I can, and at the higher rate, but lets not 'go for the lower rate' just because the higher rate produces a larger amount of money.

 

Just my 2pence

 

Edd

Edd V Abbey

13/12/06 SAR sent

29/12/06 First 14 months statements received.

12/01/07 Microfiche received, charges of £1605 plus contractual interest at 28.7% gives total £2562.90.

15/01/07 LBA requesting £2562.90 sent.

 

Edd V Egg CC

19/01/07 SAR sent

 

Edd V Lloyds TSB CC

19/01/07 SAR sent

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  • 3 weeks later...

Hi I have sent a prelim off to my bank (barclays and have heard nothing from them. In the prelim I set out that I wished to claim contractual interest, my question is has anyone got an advice how to ammend the LBA template off of here to suit my needs as I really don't want to mess this up.

Also I'm starting to get a bit nervous about claiming contractual interest now as it seems some people are having problems getting it. Do you think it would be wise to forget my first letter and just send them another prelim just asking for just my charges back and start again or should am I just being silly?

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I would keep going whith the contractual. However on the claim form you will need to give the court the option of either contractual or the statutory 8%. I will PM you a LBA

Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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One more quick question. When I send my LBA along with schedule, which bit of the speadsheet shall I send. Shall I send the bit which shows how its worked out with contractual interest or just the bit which shows the dates and charges made and leave them to figue out how the interest was worked out.

Sorry also in the last paragraph of the LBA you sent me where it says about filing a complaint against them to the OFT, will I have to actually do this and if so how do I go about doing it?

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Hi I sent my prelim letter to Barclays on the 26th of Jan and was ready to send my LBA on the 9th of Feb after the 14 day deadline but to my shock I recieved a letter from Barclays today. It said that they will contact me as soon as possible but the cannot guarantee they will be able to in the timeline I outlined in my prelim. They said they aim to have a solution within 4 weeks. They also said a full report or update on their progress will be sent within 8 weeks.

What should I do about this, proceed as planned and stick to my timescale and modify my LBA as obviously I had written it as though they hadn't responded or should I give them a chance and see what they do.

I'm sure they are just trying to stall me or smething like that but I thought I had better get some advice from here before I proceed.

Thanks for your help :)

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  • 3 weeks later...

Hi right I sent my prelim to Barclay's claiming for my charges with Contractual Interest and they gave me a response saying that they would look into it but it would take up to 8 weeks so I waited until my 14 day dead line then sent my LBA to them giving them another 14 days. No reply this time, so what is the best way for me to proceed now.

Is it better to use money claim online or should I use the N1 form. This is for a claim with Contractual Interest so I do not add the s.69 8% is that correct.

Thanks for your help :)

 

edit - Just rung money claim online and they said they are not sure if I can do it on there. The guy said you can add interest the normal 8% but wasn't sure about using contractual interest, he didn't know if it would work or not.

So any advice would be greatly appreciated

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Hi Yankee,

 

If you're claiming contractual then firstly yes you're right in that you don't also claim for statutoru - it is either one or the other. But you can't using MCOL for contractual because there is not enough space to detail it.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Hi I am at the stage where I am about to complete the N1 form but I am struggling a bit with it. I am trying to claim my bank charges from Barclay's with contractual interest based on Barclay's Unauthorized rate of 27.5%. I have sent my Prelim and LBA so now its time for the N1 form.

I am using the template from this website but it is set out to only claim s.69 8% interest. Can someone give me some advice on how to modify it to suit my needs. I'm getting really nervous about all of this now as I'm sure I will mess this up without some help.

Can someone give me some pointers or maybe if you have already done this and gone the contractual interest route give me some examples of what you have put.

All help will be greatly appreciated

Thanks :)

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Hi I am at the stage where I am about to complete the N1 form but I am struggling a bit with it. I am trying to claim my bank charges from Barclay's with contractual interest based on Barclay's Unauthorized rate of 27.5%. I have sent my Prelim and LBA so now its time for the N1 form.

I am using the template from this website but it is set out to only claim s.69 8% interest. Can someone give me some advice on how to modify it to suit my needs. I'm getting really nervous about all of this now as I'm sure I will mess this up without some help.

Can someone give me some pointers or maybe if you have already done this and gone the contractual interest route give me some examples of what you have put.

All help will be greatly appreciated

Thanks :)

 

Have a look at my thread - you'll find POCs there. Alternatively, PM me with your e-mail address and I'll send them over in a word document. You will need to modify them, as they include NatWest's terms and conditions but you'll be able to use them as a template.

 

And if there are any Mods overlooking this one - can you shift the thread to the Barclays forum, please?

 

Don't worry Yankee - you'll still be able to find it!

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi I am trying to fill in the N1 form so I can start my case against Barclays just a couple of questions.

What address do I use for Barclays?

Also I'm going for Contractual Interest in my claim and set out using the Unauthorized Rate of 27.5%. Has anyone got any advice they can give in filling the N1 out as it seems to be set out only for the s.69 8% rate.

Thank you all help is greatly appreciated :)

 

edit/ Also today I have recieved another letter from Barclays saying that they are looking into my complaint and are waiting for futher information then they will be able to provide a full response. They then say they woill contact me again by the 26th of March. Should I just ignore this letter and proceed as planned and go ahead with the N1.

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Ok still trying to get my N1 together but today had a letter from Barclays saying that they disagree with my complaint but have offered me £500 back. I am trying to claim £945 in charges and then contractual interest on top of that which takes it to around £2400 in total.

Should I just ignore this letter and proceed with my N1? Also I need some pointers in regards to the N1 as the template off of here seems like its just geared to just claiming the s.69 8% interest and I am claiming for contractual interest based on Barclays 27.5% Unautorised rate.

 

Please please help me :confused:

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