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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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      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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ebod_vs_HSBC


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Greetings to all,

 

I am about to send up my LBA to the listening bank but since my prelim letter, they have levied additional charges to my account for going overdrawn but it seems they now class and describe these charges differently than previous.

 

They wrote me 13 April to say "I am pleased to advice that we have agreed your recent informal request for an overdraft.... An informal overdraft request occurs when you authorise a payment from your account that, if made by us, would exceed your formal overdraft limit....An arrangement fee may be payable for this informal overdraft and any subsequent requests that we agree. We will pre notify you of any such fees before they are passed. Every informal overdraft we agree to may cost you an Arrangement Fee." and subsequently on my online statement I have received "NOTIFIED FEES/CHARGES" and "OVERDRAFT CHARGE".

 

I am including these charges in my updated schedule in the LBA.

 

Rgds,

ebod

A&L full settlement May 2006.

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  • 1 month later...

Hi all,

 

As expected I received no response from my updated LBA so I submitted a claim form to my local court on Monday requesting charges (going back over 6 years ago by a month or so) totalling 1228.50 + interest of 358.73 + court fee 120 = 1707.23

 

Today I've received a response from HSBC (dated 22 June, hmm wonder what they were waiting for...) which reads as follows:

 

"Dear me,

 

WITHOUT PREJUDICE

 

Thank you for your letter dated xxx requesting a refund of your bank charges of 1228.50 passed during the last 6 years.

 

In circumstances where you would like us to make a payment from your account that would, if met by us, lead to your account going overdrawn or over an agreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the bank, details of which are set out in our published price list. The circumstances in which the fee will apply are set out in our Personal Banking terms and conditions, which you have already received. If your claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees.

 

We are, however, mindful of the management time and irrecoverable legal costs that may be incurred in relation to such a claim. For those commercial reasons alone and without any admission of liability whatsoever, we are prepared to make a payment to you for the sum of 1056.15 in full and final settlement of this matter. This represents our offer in respect of the charges applied up to and including 19 June 2007.

 

We are not however prepared to refund certain charges for the following reasons:

 

Charges applied more than six years ago

 

We have noticed that your claim goes back more than six years. We will not consider any claim over six years old given that it is time barred under the Limitation Act 1980. Therefore, our proposal does not include those charges applied more than six years ago.

 

If you accept this proposal please sign and return the enclosed acceptance form within ten working days and we will arrange for a refund to be made to you....

I hope that this matter has now been addressed to your satisfaction. However, should this not be the case, the attached guidance sheet explains the next steps available to you...which goes on to say...if you wish to escalate your concerns to the next stage, you can write to the Senior Manager of our Service Quality Team, at the following address..."

 

 

I've already spent 120 on the court fee so if I accept this offer and cancel the claim I'm down to 936.15 whereas if I reject the offer and continue with my claim I could potentially stand to reclaim all my charges, plus interest and get my court fee refunded.

 

I'd like to ask the advice of the group. What is the likelihood of being able to get the charges back past the 6 years.

 

Cheers,

 

ebod

A&L full settlement May 2006.

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After spending hours of reading threads I will be rejecting the HSBC offer and continue with the claim I'd already issued and see what happens.

 

Is it worth responding to HSBC's half-arsed offer detailing my argument? even though this has now gone to the courts and is going to be handed over to their solicitors?

 

Cheers,

 

ebod

A&L full settlement May 2006.

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  • 2 weeks later...

Alright peeps,

 

Today I received notice from my local court (Newport, IOW) that the defendant filed an acknowledgement of Service on 9 July.

 

So DG now have 28 days as from when my claim form was filed (27/6) so they've got untill the 25th to file their defence.

 

Please would anyone advise me what I should be doing now, while waiting for the next step?

A&L full settlement May 2006.

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they have 28 days from the date deemed served - did you get a notice of issue - this has the deemed served date on it.

 

did you file directly at your court? if so they will already have copies of your schedule of charges.

 

have you sent DG copies of your schedule? if not use the template below

 

the following 2 links tell you what can happen after the 28 days.When you have filed your AQ................

New---after 28 Days - Maybe No Aq!!!!!!!

 

 

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

DG's details will be on page 2 of the acknowl.

 

 

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

(If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph)

 

 

I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited

 

If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court.

 

Yours sincerely,

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they have 28 days from the date deemed served - did you get a notice of issue - this has the deemed served date on it.

 

did you file directly at your court? if so they will already have copies of your schedule of charges.

 

have you sent DG copies of your schedule? if not use the template below

 

the following 2 links tell you what can happen after the 28 days.When you have filed your AQ................

New---after 28 Days - Maybe No Aq!!!!!!!

 

 

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

DG's details will be on page 2 of the acknowl.

 

 

 

Ah, my notice of issue states the claim is deemed to be served on the 29 June so the 28 days that DH can file a defence starts from then.

 

I do have the Notice of Acknowledgement of service so will now contact DG for the first time with my schedule of charges.

 

Thanks for holding my hand :-)

A&L full settlement May 2006.

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Date Issued: xx/xx/xx

 

 

Just a quick one pd, should I be putting here the date the claim was issued (27 June) or the date that the court deems it to be served (29 June)

 

ta

A&L full settlement May 2006.

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Great.

 

Just looking at my schedule of charges that I submitted to court, compared to the one I am going to be sending to DG. The 8% interest rate has increased because of the time lapsed from 358.73 at the time of the claim to 364.41 now.

 

Before I panic I'm just wanting to check if this is okay to send this schedule of charges with the updated 8% interest calculated?

 

ta

A&L full settlement May 2006.

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what I did was use the original spreadsheet that agrees with your court claim and then added at the bottom the number of days since the claim was filed and multiplied this by the daily interest amount. I then added this to the original claim figure and called it "Claim To Date"

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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  • 3 weeks later...

Alright peeps,

 

I called my local court today to find out what was happening and DG filed a defense on the day of their deadline.

 

It's now been referred to the district judge (who visits the county court here in Newport, IOW on a Tuesday and Thursday) to decide on the course of action, so I wait with trepidation for the directions...

A&L full settlement May 2006.

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  • 1 month later...

Got this through from my court.

UPON reading the file

AND upon it appearing that the issues in this case are to be considered in litigation commenced by the Office of Fair Trading against certain banks in the High Court of Justice, Commercial Court, 2007 Folio 1186, to be heard during January and/or February 2008 ("the OFT test case")

AND upon the court of its own initiative pusuant to CPR Part 3.3

 

IT IS ORDERED THAT:

1. The claim be stayed forthwith pending the final determination of the OFT test case. Such final determination shall include any appeal.

2. Permission to apply to lift the stay or to set aside or vary this order within 28 days of the service of the same. Any application shall be on notice to all other parties and shall be supported by a statement setting out why this claim should proceed before the final determination of the OFT test case. Any such application shall be listed before the Designated Civil Judge sitting at Winchester unless specifically released by him.

3. Unless the court has already given directions, any party may and the defendant shall, within three months of the final determination of the OFT test case, apply for directions for the future conduct of this action. Such directions shall be sought from a District or Deputy District Judge sitting at the County Court where the claim is proceeding.

 

I don't want to wait until Feb for a decision, so will probably request for this to be lifted. Please would somebody advise what is likely to happen next if I request a lift, and what would happen from there?

A&L full settlement May 2006.

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You must apply for the removal of stay, Use the links in my sig. You must give the reasons why you think the stay should be removed. You can state any facts that might show your case to be one of hardship if the case is not resolved sooner rather than later. There is a template letter to use in the links but you can add you own reasons aswell. I will post some more useful links for you in just a mo!

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  • 2 weeks later...
  • 2 weeks later...

No response from the court yet about my application to lift the stay, but yesterday received a letter from DG Solicitors from Jason Newbold.

 

Dear Madam, (lol)

 

We refer to the above matter. You have referred your complaint about bank charges for determination in Court.

 

We are confident that HSBC's charges are fair, transparent and lawful.

 

Since you filed your claim in Court HSBC (along with a number of other banks) has become involved in legal proceedings with the Office of Fair Trading ("OFT") in relation to bank charges which we believe will resolve the legal issues regarding the fairness and legality of your bank charges.

 

If it has not already been stayed, we will be applying to the Court for an order to stay your action until resolution of the bank's proceedings with the OFT.

 

Given the court case our client has also asked for Financial Ombudsman Service ("FOS") not to proceed with any other case they are hearing until the test case is resolved. FOS has indicated that as a general proposition it will indeed not proceed with cases which rely on the legal issues being considered in the test case.

 

Our client asked the Financial Services Authority ("FSA") to suspend the normal timetable for dealing with bank charges complaints, and the FSA has agreed to this request subject to conditions that protect your rights.

 

We will keep you updated appropriately about the proceedings with the OFT. You can also check the latest position on our client's web site at hsbc.co.uk

 

We have registered and stored your complaint. Please retain your bank records, as this will make it easier for you to support your complaint on resolution of the test case. Once the legal proceedings between the OFT and the banks finish, our client will resolve your complaint as quickly as possible.

 

We will ensure that your claim will not be adversely affected by the stay of your court proceedings.

 

Yours faithfully

DG

 

Should I respond to DG or just wait for the court to respond?

A&L full settlement May 2006.

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  • 3 weeks later...

Blast,

 

Received a letter from the court,

 

I am writing to inform you that your application was referred to a Judge who has stated that as per paragraph 2 of the stay order of 14th august if you the claimant wish to make an application to lift the stay then you must make an application to the designated civil judge.

 

 

Blast I sent my application to the wrong judge - and now the date limit has passed,

 

Is there any chance now to still apply for a lift, or will I have to wait??

Experiencing real financial hardship...:(

A&L full settlement May 2006.

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Got this through from my court.

 

UPON reading the file

AND upon it appearing that the issues in this case are to be considered in litigation commenced by the Office of Fair Trading against certain banks in the High Court of Justice, Commercial Court, 2007 Folio 1186, to be heard during January and/or February 2008 ("the OFT test case")

AND upon the court of its own initiative pursuant to CPR Part 3.3

 

IT IS ORDERED THAT:

1. The claim be stayed forthwith pending the final determination of the OFT test case. Such final determination shall include any appeal.

 

2. Permission to apply to lift the stay or to set aside or vary this order within 28 days of the service of the same. Any application shall be on notice to all other parties and shall be supported by a statement setting out why this claim should proceed before the final determination of the OFT test case. Any such application shall be listed before the Designated Civil Judge sitting at Winchester unless specifically released by him.

 

Where does it state that? it says they will list it before the Designated Civil Judge sitting at Winchester for him to consider it not you have to address it to him.

 

3. Unless the court has already given directions, any party may and the defendant shall, within three months of the final determination of the OFT test case, apply for directions for the future conduct of this action. Such directions shall be sought from a District or Deputy District Judge sitting at the County Court where the claim is proceeding.

 

 

I would query why they have said that

 

pete

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