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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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      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.
      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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Pension funds transfer


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Hi there

 

maybe someone here can help

Many moons ago in 1994 an advisor from NatWest convinced me when I arrived in the UK to take out a private / personal pension with them and to opt out the government one. I paid into this plan for a short while until my employer made me redundant in 1995 and I couldn't afford the contributions anymore

My new employer had a company pension scheme which was far better and I joined that one instead once I became eligible in 1996 and have paying into that ever since as I am still with that employer.

I still have the NatWest one with currently £245.- in it which reduces year by year due to NW fees. I have asked the pension advisor at work a few years ago whether I could transfer the money into my pension fund at work, ( at the time it was about £340.-) and he said after all the transfer fees it would not be worth it. I checked with Nat West and they said they couldn't understand that as they would not charge anything for a transfer

but they also won't pay the money out to me either

So does that mean I can't do anything with that money, after all it is mine but I cannot gain any access to it ? :confused:

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Last year I was paid a sum similar to the amount you mention for a company pension scheme that I long since had forgotten about and which was "orphaned" so to speak. I can see no reason why you shouyldn't be able to do the same unless the law has changed...

 

Contact the pension trustees of the occupational pension scheme you wish to cash or transfer and ask them to provide a solution. Insist it be in writing. Otherwsie, contact the Pension Advisory Service (see: The Pensions Advisory Service (TPAS) - Occupational Pensions)

 

You might also like to take a look at: Pension Fraud

 

Despite the conspiracty theorist ranting style of the site, I have checked the maths of the Annuity payments and it seems spot on. I also conducted a small (minute) amount of research to see if what was being said was true and it also seemed to be correct (please note caveats "seems" and "seemed" which are placed here for a reason - I am no expert!)

 

But judge for yourself.

 

Shoestring

The more I read this site, the more congratulations I want to heap on CAG for the invaluable service they are performing. Bravo!

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Many thanks - I will write to NatWest straight away as the money (my money) just dwindles away year by year otherwise

Incidentally the "pension advisor" at work said to just leave it and it will reduce it self to zero over the years. Not really my ideal solution as it is my money that reduces itself to zero and I could think of better things to do with it to be honest:-|

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:rolleyes: I think he just couldn't be bothered with it as it is not a huge amount and the paperwork involved probably didn't suit him.

That was the impression I had anyway, but there you go

Since he gave me that advice I lost another £100.- out of that plan

I just posted my letter to NatWest and see what they say

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  • 1 month later...

I am interested in the outcome of this Phantom if you are still around on here.

 

I have just called Legal & General about my company pension scheme which I stopped payments approx 2004 due to longterm illness - they guy told me I have £1.5 in my account, I asked him for a statement of this and how I go about cashing it in as I am in financial difficulty right now and want to get as much money as I can - he told me I cannot cash it in and have the money, I can only transfer it to another pension.

 

He maybe right, but surely this is MY money and I am entitled to do with it what I like?

I know this money is dwindling daily and it would help me out no end if I could get my hands on it.

 

Anyone out there have any answers for me???? PLEASE!

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Guest Aviva Support

moneyhelp

A pension is designed as investment for retirement purposes, there will be an age limit as to when you are able to remove the money from your pension, and only then to purchase an annuity.

 

Hope this helps

Becca

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Hi Moneyhelp

 

I tried to transfer it from NatWest to my current company pension scheme, but guess what - your current pension scheme provider does not have to ACCEPT the transfer !!

In my case my employer's / company scheme refused the transfer !!!!

So I am back to where I was before

I have a dormant old pension scheme with MY money in it which I truly cannot do anything with

They will not pay it out (£300.- hardly a lifetime investment) and I cannot transfer it either, so it will truly reduce itself to 0 over the next years , a complete waste of MY money !

I think there should be somewhere you should be able to complain about it, but I guess there won't be:mad:

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Thank you for your replies so quickly too.

 

This has made my blood boil to be honest. I was forced into leaving my previous job due to ill health, struggling on benefits knowing that I have £1.5k sitting dwindling away.

By the time I am at an age where I can take it out there will be nothing left.

 

This suxs BIG time!

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Be wary of putting any money into an annuity unless you absolutely have to. Figures I've run on Excel SS show that pension funds plan to keep about 40% of the overall cash pot which they use to offset payouts made to long life customers. The normal annuity is set for 21 years for a man and 24 yrars for a female (as I recall), after normal retirement age. In other words men are expected not to live past 86 years and women 89 years (if the 65 pensionable age cutoff is used across the board).

 

The 40% includes their heafty charges and commissions and God only knows what else. Basically YOU are paying THEIR pension when you take out an annuity and the bosses insist on guaranteed schemes or invest the funds themselves into a pension plan over which they have complete control.

 

Be cautious.

 

Shoestring

The more I read this site, the more congratulations I want to heap on CAG for the invaluable service they are performing. Bravo!

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Stable doors closed after horse ran away....

The money I have with NW is lost, I only have got my work based pension scheme now.

As I have been with my current employer for over 10 years it has become non-contribution, i.e. only my employer now makes contributions, I don't anymore, so that helps a bit financially for me and I still build up a pension, but I am only 37 (38 this Sunday :oops:) so long way to go yet before even thinking about cashing anything in

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What you really need is an independant financial advisor here. Mine told us about all the options with a company pension and we chose the best option and took the money out into a personal pension a few years back. It's doing really well now after the inital hit on withdrawal.

 

Can't understand why the amount only reduces year on year with yours. Surely you have some earnings from the scheme - that's the whole point. Mind you I do not have a lot of knowledge about these things - I leave it to my financial advisor.

 

You really want to chose an advisor on personal recommendation too as some of them can be a bit fly. Ask around people you know and see if anyone has a gem they use.

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Guest Aviva Support

moneyhelp

 

If you have been forced to leave work through ill health some companies make allowances for this - when i worked in pensions there were certain policies that had a clause written into them, I would maybe try phoning the pension company and explaining your circumstances... I'm not saying you will definately get this, just that it is an option on some policies.

 

Also, you will still be asked to purchase an annuity for income, rather than just getting the lump sum.

 

HTH

Becca

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Can't understand why the amount only reduces year on year with yours. Surely you have some earnings from the scheme - that's the whole point. Mind you I do not have a lot of knowledge about these things - I leave it to my financial advisor.

 

It's because it is only a small amount (less than 300 GBP) and I don't make anymore contributions. NatWest's charges for running this scheme are higher than the return, so the money left reduces over time until it will reduce itself to zero at some point. I tried to transfer it out and into my pension scheme at work but they refused to accept the transfer.Apparently once they accept it, they have to guarantee to me that it will be doing well, as it is a final salary scheme and that's why they rarely accept transfers. I don't know too much about it either, but that's where I am now

:|

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moneyhelp

 

If you have been forced to leave work through ill health some companies make allowances for this - when i worked in pensions there were certain policies that had a clause written into them, I would maybe try phoning the pension company and explaining your circumstances... I'm not saying you will definately get this, just that it is an option on some policies.

 

Also, you will still be asked to purchase an annuity for income, rather than just getting the lump sum.

 

HTH

Becca

 

Yes I had read that on the link further up in the thread, so I checked it out - but thank you for pointing this out.

I have an appointment with CAB in August, I will run this past them and see what they say. I know laws is laws, but if I can fight this and prove I desperatly need some money (ie a bed to sleep on or a chair to sit on) I will do what I have to do - thanks again folks :)

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That's what my pension advisor from work said

(I should start up a new one where the little money that's with NatWest will do better), but I have my doubts it will make a difference as I am not making anymore contributions to this, I am building up my work's pension instead

I believe these £250 odd pounds would do just as well in a savings account somewhere, but they won't pay it out

If they did I would probably invest it into my sons' child trust fund, but again, they won't give it to me which is very annoying. It should be my decision what I want to do with this money:sad:

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Probably - but there should be a threshold for small or minimum amounts, because £250.- which is quite evidently dwindling away due to running costs should be exempt and just be refunded or paid out or should at least not be subject to any charges. This way they are taking my money for nothing in return

I have moved to the UK from abroad in the early 1990s and when I left my last employer in continental Europe they paid out my company pension funds with my last wage as in the few years I was with them it was a small amount only anyway. No hassle, no ifs and no buts. My state pension is still secure over there , as these are separate things.

I am surprised this is so different here:-|

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  • 4 weeks later...

That's the thing - I can't

My current pension scheme won't accept the transfer. They say they don't have to accept transfers and this is one they don't want. Under legislation they are bound to ensure the money does well and for this they cnnot guarantee it so they don't want it.

So I am stuck. Nat West won't pay it out, their charges are higher than the return and my new pension scheme doesn't want it

Game Over for the little man yet again

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