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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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Bank Paid me Twice


cuddles159
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Hello!

 

I need some help, not sure what to do, I was chasing my bank through the letters on here and then as they started to threaten me with closing my bank I went to the FOS (financial ombudsman) the bank first replied to me after receing a letter from the FOS and paid me back almost striaght away. that was a month ago, so when I looked at my balance last week I was a little shocked to see that they have paid me again. I have received a letter from them saying they are paying me back after receiving a court claim (which I cancelled).

 

I know what I want to do, with the money :)

 

but what should really do, by law?

 

Thanks

Cuddles

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Hi,

this happened to me too.....I did'nt notice they had paid me twice as they paid the money in...and took it back out within a few days. They did'nt mention their error, and I was only aware of it when I was checked my bank acccout online a few days after it happened. (I had a nice healthy bank balance for about two days!!:) )

So they can just take it back out of your account, and without notification, it seems!

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Hi, I work in the finance area at my work and our payroll department has got a habit of messing up peoples wages when they leave the company.

 

At least 3 or 4 employees that have left have been double paid on their last month.

 

We have only managed to get one lot back and that was by asking nicely.

 

Apparently someone receives the money in their bank and spent it in good faith (i.e. didnt actually know that they had overpaid you and spent it without looking or realising) then legally we didn't have a leg to stand on trying to get it back. And were advised that if we took anyone to court to try and recover the money we would almost certainly lose.

 

Dont know what other laws are in place here, but it seems to be quite similar if they put the money in your account. Especially as it usually shows as a cash receipt in your account.

 

You could say that your mate owed you some money and you thought he'd finally paid you back.........

 

Please dont take this as advice in any way, just a comment!

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My bank used to withdraw money out of my account without consent to pay my credit card also held with them. The card was in dispute because of penalty charges and they would take the minimum payment out of my account.

 

It would show on my account as a cash withdrawal.

 

I kicked off a complaint as there was money leaving my account (showed as cash) but yet I hadnt withdrawn it.

 

They said it must have been me taking it out of the cashpoint, but it clearly wasn't as you can't take £23.58 or whatever in pence out of a ATM.

 

I wrote to them and threatened FOS unless they investigated. They reversed the items and reimbursed me for the withdrawals as they could not prove I had made them (which of course I hadnt). Even though the reimbursed me for the withdrawals without my consent they never deducted the payments back off my credit card.

 

They never realised it was actually their own staff withdrawing the money and paying off the credit card with it.

 

Goes to show how good these banks systems and reconciliation processes are.

 

Their paperwork is not up to scratch and that is why they make these errors. Surprising what you can get away with by challenging them.

 

If the bank reimbursed me twice for bank charges I would sweep it to my savings account to at least earn the interest until they asked for it back

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This happened to me last Sept. The banks still haven't realised i was paid double.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Not spent the money and don't think I will for a long time, left it just sitting in account, thanks for all your comments, think I will just leave it and hope they don't realise it.

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This is a good thing to teach the bank a lesson about taking money from others.

I'm waiting for the FOS to let me know what they plan to do with my case and hopefully get my charges back.

They closed my account without any notice and took money from my saving account to clear some of the overdraft I never ask for and now I have a debts collection agency ringing and writing to demanding money.

 

So if this was ever to happen to me I would take it all out and put it in high interest account with another bank and leave it there to gain interest like they are doing with the charges and wait for them to ask for it back.

Also open an account with another bank for your day to day affair and have a fresh start.

This may sound a bit childish but what goes arounds comes around....

Right thats my advice, now can anyone give any idea if the FOS are as good as they say they are? lol:)

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They closed my account without any notice and took money from my saving account to clear some of the overdraft I never ask for and now I have a debts collection agency ringing and writing to demanding money.

 

So if this was ever to happen to me I would take it all out and put it in high interest account with another bank and leave it there to gain interest like they are doing with the charges and wait for them to ask for it back.

Also open an account with another bank for your day to day affair and have a fresh start.

This may sound a bit childish but what goes arounds comes around....

Right thats my advice, now can anyone give any idea if the FOS are as good as they say they are? lol:)

 

 

I might just consider that myself at a later date. Once my current claim is settled. I will certainly not forget the advice.

 

Ta and good luck!! (I would never have thought of that myself!!)

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  • 2 weeks later...

Well, I read what everyone said and just left in my account, they have'nt come back to me yet, so not sure what to do next, think I will just leave it there gaining me interest.

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I can say today that the FOS are worth approaching as they wrote to me saying that Lloyds TSB have offered me £5145 without a Formal Investigation as they don't want to be caught out on what they are hiding from the customers.

This is £400 short of what I've been claiming for.

However Lloyds TSB won't accept liability or will say that their charges were unjust which I expected.

I am considering asking for the 8% sat interest to be added to what they've already offered.

I first approach the FOS about 4 weeks ago and started my claim on the 2nd March 2007.

So I think the FOS have done what they've promise and also I've spent roughly £15 in total to get this far without court involvement.

So if people are unsure of these guy...give them a chance.....

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Hi just read your thread, the halifax paid me on the 22nd june my bank charges refunded and today i noticed that they have paid me on one account again, whats the best thing to do x

 

dolphin, you have been told what's the best thing to do on your own thread, and quoted the law to show you why you can not, must not keep the money, asking elsewhere is not going to change that.

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  • 11 months later...

Hi just come across your message the bank paid me my charges back last year then took 2175 back when i rang they said it was interest i owed them on a loan i told them id never had a loan they refunded it me back twice, just wandered if they ever realised that they paid you twice, thanks lorraine

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I first approach the FOS about 4 weeks ago and started my claim on the 2nd March 2007.

 

So if people are unsure of these guy...give them a chance.....

 

You're lucky. I've been with them for 12 months now and no offers yet. Still "waiting to hear back from the bank" they tell me.

 

You might want to read my thread on 'FOS decisions and guidelines' about how they treat any complaint which is not straightforward, i.e. where the bank doesn't offer the refund immediately or DCAs are involved. I've had nothing but bias towards the bank and DCA. Even had to pay again on closed, settled accounts.

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