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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HSBC T&Cs HERE


stax68
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Stax, why can't I copy and paste from this thread? Any ideas?

 

No, you should be able to right-click on the images to copy or save them (in Windows Internet Explorer anyway). You can't highlight and copy text, though, as they are images. That's the only thing I can think of.

 

BTW - have you got the 1996 T&Cs in image or pdf form (rather than text)? If so could you send them to me or post them here? If you PM me I'll give you an email address.

 

cheers, Stax

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Sorry stax, I only have the 96 in text form. Jowalshy sent them me in a pm.

I realise now that i can't copy them as they are images from photobucket. I will try and email them to myself and see if I can reproduce them in order to print them out.

While I'm here, which parts of the 96 t&c's would be most relevant to my claim? I just want to add the important bits rather than the whole document.

Thanks in advance if you can help!

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Ohhh I wanna kiss you! What a lifesaver! :p

 

I have been appealing left right and centre outside of here for these! I managed to copy and paste but drag down method and have just pasted them into word.

 

Thank you thank you thank you! Keep this thread bumped everyone and let stax68's hard work go to great use! Coommoonn HSBC! :cool:

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If you can email them, surely you can save or copy them?

 

Images are better than text for evidence purposes - they look a

lot better in court than a big slab of text which could have come

from anywhere. On that topic I now have the 96 T&Cs in glorious

technicolor, to follow.

 

Text obviously has its uses though, notably cutting and pasting

bits, as you have found. Thanks for your contribution of the

1996-vintage text. I've PMed you about it.

 

In answer to your q about the useful bits from the 1996 T&Cs:

 

--------------------------------------------------------------

THE CORE BITS (TALK ABOUT BANG TO RIGHTS!)---------------

 

7.2 You must always keep your current account in credit unless

we have agreed an overdraft with you.

 

7.3 You must not go over any overdraft limit that is agreed with

us unless you get our agreement first.

 

7.9 As well as charging interest for unauthorised overdrafts, we

may also charge a fee to cover the cost of the administration

involved (see the relevant price list).

-----------------------------------------------------------

EXPLANATION OF THE CORE BITS:

7.2 & 7.3 mean that you are in breach of contract if you go

over your OD limit. This is a necessary condition of the charges

being penalties.

7.9 makes it clear that the charges are levied in response to

that breach, and not on some other basis. It also says that the

charges are to cover costs - this is the bit we need to disprove

to confirm that the charges are penalties - hence the OFT stuff.

The fact that the bank makes this claim means that we have a

very good basis for saying they concealed the fact that they

weren't just covering costs but instead making a profit - which is

useful if you want to claim charges levied more than 6 years ago.

---------------------------------------------------------------

 

A BIT WHICH SHOWS THEIR NEW STORY ABOUT INFORMAL

OVERDRAFT REQUESTS ISN'T JUST A CLARIFICATION OF

EXISTING PRACTICE----------------------------------------

 

7.7 If we pay a cheque or other item you issue and, as a result,

your account goes overdrawn or goes over your agreed

overdraft limit, this does not mean that we have agreed an

overdraft or an increased limit. You must immediately pay

enough money into your account to cover the overdrawn

amount or the amount that is over your agreed limit.

-----------------------------------------------------------

 

 

A BIT WHICH COULD BE PERSUASIVE IN CONNECTION WITH

CLAIMING BACK OD INTEREST (THOUGH LATER VERSIONS OF

THE T&CS ARE LESS SPECIFIC ON THIS AND THEREFORE

MORE USEFUL)-----------

 

9.3 Liability for unauthorised transactions

9.3.1 Our liability

We will be responsible for any money lost if:

. your card is lost in despatch from us to you

. there is a fault on a self-service machine of which you have

not been notified by a message on the screen or a notice on

the machine.

Unless we can show that you have acted fraudulently or with

gross negligence, we will also be responsible for any money

lost if your card is used without your authority after you have

reported to us that it has been lost or stolen or that you

suspect that your PIN is known by someone else. We will

credit your account with any amount debited under the above

circumstances including any related interest and charges. We

will have no further liability to you.

------------------------------------------------------------

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Hello all,

 

glad they are of use. I don't want to tread on anyone's toes so I should add I will send these as pdfs as soon as CAG provides somewhere for them to be downloaded from. In fact I've already sent/offered to send most of them already, but obviously there is quite a bit on what with the strange antics of various district judges recently, so in the m,eantime I am providing the stuff on this thread as a stopgap.

 

If anyone knows of a site which can hosts pdfs for free, I'll put them there. In the meantime it's just images, though the full T&Cs for 2003 and 2004 are available as pdfs here: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/90721-i-need-your-help.html#post840881 though I don't know for how long theye will stay there.

 

Also, if anyone else has any T&Cs they've scanned feel free to add them.

If you're not sure how, PM me.

 

COPYING, SAVING OR PRINTING THE IMAGES:

It should be possible to save or print the images by clicking on them with the right-hand mouse button and selecting 'Save picture as...' or 'Print picture' from the pop-up menu. That's how you do it in Windows anyway, but Mac OS is probably pretty similar I expect. (Just ignore that last sentence if you don't know what it means.)

 

If you can't be bothered to right-click and save each image file, you could look in your temporary internet files (For Microsoft Internet Explorer, that's something like Tools..Internet Options..Temporary Internet Files..View Files - the details depend on your IE version) after you have viewed the page(s) with the images you want on them, and you will probably find all the image files cached in there. (Again ignore this if you don't know what I'm on about.)

 

Anyway I hope that answers most questions and doesn't cause more confusion than it removes. For my next trick: the complete 1996 T&Cs, in full colour (red and black, very appropriate.)

 

Stax

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