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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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 to £30 if paid within 14 days of issue).  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 to £60 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 4) 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Moorcroft and an natwest OD


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i am in exactly the same position except with the nat west they closed my account and have instructed moorcroft to recover the debt i dont dispute the debt and have agreed a repayment but i am also lost as to what moor croft can acctually do

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Hi,

 

Don't make any admissions to anybody. Inform Moorcroft that the account is in dispute, and you will be dealing with HSBC directly. Phone HSBC in the morning and tell them you now dispute the account, and that they should update their records accordingly.

 

Then mak a Subject Access Request to HSBC (template on this site) and include a £10.00 cheque or postal order (make a note of the PO No. in your letter so it doesn't go missing).

 

Once you have your information from them, which you are entitled to under the Data Protection Act 1998, use a highlighter to mark out all of the charges made to the account.

 

Then, input these dates and amounts into one of the spreadsheets (in the Library) and make a claim to HSBC.

 

If in doubt, look through the FAQ's before going any further.

 

Tide

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if u are making payments to a dca who are acting for a bank and u send a sars request to the bank to start the process of reclaiming bank charges do u still carry on making your payments to the dca while the process is ongoing ?

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if u are making payments to a dca who are acting for a bank and u send a sars request to the bank to start the process of reclaiming bank charges do u still carry on making your payments to the dca while the process is ongoing ?

 

 

Yes this is advisable. Continue to pay the debt until your settlement is through.

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  • 1 month later...

Could Any One Answer A Question Ive Been Asked,if A Bank Has Shut Down An Overdrawn Bank Account Of Say £1300,50%charges And Passed It For Collection To A Dca,how Would Repyment Of Charges Be Made, To The Person By Cheque Or Would The Bank Try To Take It Off The Debt

Thanks

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you need to find out if the debt has been brought by the DCA or has just been passed to them for collection.

you should be able to gauge this by how long ago the a/c went into arrears. i would guess it just been passed for collection.

if this is the case, then send the sar to the bank

this will put the a/c into dispute, you then write to the DCA, informing them the a/c is in dispute, they will them pass it back to the bank, this will get the DCA off your back.

 

when you get to the stage of the pre-lim letter with your spreadsheet,

include the line 'i wish the refund to be paid by cheque, as i have other debts that require an equal share of the money you unlawfully took from me'.

 

if when you get [any] money, and they use it to payoff their debt, them immediately write, refusing the refund, stating again quite clearly that it id your money, you have other debts also, and will only accept a cheque.

by that time mcol should be near too so you can use that as a lever.

 

dx100uk;)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

hi is there a template letter that states any refund in charges are to be made by cheque only or do you just have to ammend the one in the templates thanks

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hi is there a template letter that states any refund in charges are to be made by cheque only or do you just have to ammend the one in the templates thanks

Hello,

 

Just amend the templates one to your own needs.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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i have recived all statements and ready to do a schedual of bank charges, i have a lot of interest charges on statements aswell. i have looked at the different spreadsheets but cant get my head round them.can anyone tell me which is the best to use thanks

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My opinion is that it is best just to use the interest charges listed on your statements. Claim that proportion of each interest payment that is attributable to charges.

 

Otherwise, if you know the interest rate used by the bank then Mindzai's spreadsheet is probably the best for compound interest calcualtions.

 

Steven

 

 

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i have done a schedual of bank charges goinging off my statements. as for the interest do i just write the ammounts down as shown on the statements they come to about £250 then add them all up as with the bank charges and send off with my letter. cheers

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No SAFC you cant add all your overdraft interest.

 

If you can persist, try to fill out the England Complex Excel in here

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

It will calculate what proportion of your overdraft interest was caused by charges and is therefore reclaimable.

 

Good luck

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i have sent prelim letter which nat west have recieved is is 14 working days to next letter or 14 straight days . thanks

 

straight days

 

Steven

 

If this post is helpful, please click the scales

  • Haha 1

 

 

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i recieved a letter from m/croft this week it is headed by a big red box stateing re; national westminster

:notice of intended litigation:

 

"if you do not repond to this letter we will assuime you are purposely avoiding repayment and will take steps to secure settlement which may include legal action against you.if legal action is necessary the debt will increase as follows"

current balance £130

solicitors costs for issue of claim £50

court fees for issue of claim £20

soilcitors fees for entering judgement £25

debt if judgement obtained £225

 

moorcroft have told me they do not own the debt so are they in there rite to start the legal action ?

even though its for a bank acount i still sent them a cca and a person told me on the phone they sent me the documentation on the 20th march.not ecieved anything

i have since read somewhere on this site bank accounts are not covered by a cca ?

what to do now?

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Bank accounts are covered by a CCA if you have an overdraft (anything over £50 is covered by a CCA). As the DCA don't own the debt they can't take you to court. You may also want to have a look at the sticky on OFT guidelines for debt collection.

Even if they were to take you to court solicitors fees wouldn't be awarded.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Just to put your mind at ease Moorcroft have been sending me similar letters for over 6 months......still waiting on my court date.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Unauthorised is a bit different as there wasn't an agreement for you to borrow a sum of money (so no CCA). Have you SAR'd nat westminster to see if they have added charges to the account? Might be worth doing. If you want to get around the £10 charge you could ask M/croft for a statement of account (this should list all transactions on the account).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Just to clarify on the unauthorised bit, if you had an unauthorised overdraft of £130, but your agreed overdraft was £50 or more there would need to be a CCA.

  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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