Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Reclaiming Charges From Halifax plc


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6154 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

Like everyone I have incurred bank charges and have decided to claim them back. I'm just starting out and would glad of some advice. Have downloaded letter to request list of bank charges over the last 6 years. However, already have bank statements for last year and a half and all letters notifying me of 'sledgehammering my account' charges. My question is this as it would take some 40 days for Halifax to provide me with a list of all charges would it be possible to start my claim now and then amend the figure taken from existing bank statements when I have full details of charges? On reading the Money Box Live website it suggests that I could make an estimate of bank charges incurred in previous years where I think there may be such charges and add this to the known amount. The site suggests I can then file the total amount when I recieve all details of charges. Does anyone have comments on this strategy. Is it a good idea or should I wait until I have full details?

 

The other question is would it be possible to claim additional costs based on the amount of distress experienced and the time taken to claim the charges back? The reason I am asking is that I have a chronic disorder which has been made worse by the ever spiralling debt trap caused by excessive charges. Don't mean to moan as I can appreciate everyone is affected.

 

Sorry for lengthy request for help but I am taking the 'bull by the horns' while I am feeling well enough.

 

Cheers and good luck to all.

Linjie ;-)

Link to post
Share on other sites

Hi and welcome again ;)

 

I am going to mention to the court that all this has caused me un nessasary stress too, I know he will listen as I have a medical team to back me up, so I am going to add it too.

 

Have you started with your SAR to get all the information you need? if not I would suggest starting at the begining here http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html and follow the tried and tested route, then you can be sure you are going down the right road.

 

You will find lots of helpful and supportive folk here. Use this thread to update your progress and ask any questions you may have.

 

And remember we are all in the same boat ;)

 

Good luck with your claim :)

Link to post
Share on other sites

Some sites do advise to get started on estimates, but it is the best option to stick to one site.

 

You can alter the amount on a claim up till you file at court, but to estimate a whole claim isnt a good idea.

 

How long ago did you send for your SAR?

  • Haha 1

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Good evening,

 

Have not sent off SAR yet am just at the stage of reading through the statements I have and logging charges on Excel. The reason I sent out the request for advice is that I am wary of trying to move outside the prescribed route. I think what I will do is to send the SAR tomorrow and wait for the outcome and meanwhile seek further advice about claiming additional costs.

 

I have much empathy for people who have suffered psychologically and physically as a result of incurring bank charges and would welcome further discussion. I hope you do make a claim Moneyhelp and look forward to hearing from you.

 

Thanks for advice Sea-Side Lady I guess it is much better to play it safe.

Linjie ;-)

Link to post
Share on other sites

Dont ever be stuck, if you need any help or just having a moan, there are always plenty of people here to help you.

 

Remenber a question (no matter how daft..:D ) is easier to answer than to fix a mistake.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Thanks for your kindness in replying. I have taken your advice and printed out the S.A.R and I will sent it tomorrow. Ah 40 days wait good job the sun is shining!:D

Linjie ;-)

Link to post
Share on other sites

Make copies of everything you send, so you dont get lost. :D

  • Haha 1

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Good idea. Lucky to have an all in one printer so I can copy and scan stuff. I'm focused and ready and loking forward to a rumble with Halifax.

 

Still reeling from the time I phoned them to try and reclaim a bank charge and I was told in such a patronising way to manage my finances better.

 

Looking forward to retaliating but in a slightly more respectful way. ;)

Linjie ;-)

Link to post
Share on other sites

Hm what's that saying no pain no gain ;) !

 

S.A.R signed, sealed and delivered (well almost).

 

Now off to confront my credit rating.

 

Thanks again for support it has made so much difference to my attitude.

 

Hope things are going well with you and Sea-Side lady. :)

Linjie ;-)

Link to post
Share on other sites

Do you have other accounts to tackle??

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

GO FOR IT,

What do you have to lose?

I gave it my all and i won!!!!!

I cant urge you enough, i put in the court claim, i had my money before it got to a court hearing, the banks are still trying to scare people into not going to court!!!

I'm pretty certain that they will look at your account to see if they think you can afford to go to court, do what i did, get smeone else to pay for it! My saving grace was my cheques, they were my dads! this stratergy worked, how could they deny they had letters when they had cashed cheques. They cant, my advice is get someone else to fund it up front. They cant deny it if they've cashed cheques and cashed them.

Email me @ [email protected]

Link to post
Share on other sites

Hi,

 

Thanks for message Sea-sidelady. I have two current accounts with Halifax and have incurred bank charges on both. Amounts to some £1100

not taking into account interest. I requested details of charges on both accounts when I sent the S.A.R.

 

I did have an account with NatWest that had a £900 authorised overdraft limit. At the end of 2001 it became some £915 overdrawn and as a consequence I incurred charges that took the account to some £1150 overdrawn. I paid off the balance and closed the account in February 2003. Can I claim charges on an account I closed? Hm! I wonder. Any advice would be appreciated. All the details of my NatWest account are archived in store but I could pull out the details. I incurred other charges tin 2001 which were taken out of my account before the 'final straw'

 

I don't know if you have been following the Tom Brennan story but I have posted a link for your interest.

 

Might be good for you Moneyhelp because there are a couple of legal terms that are useful if you claim additional damages for stress etc.

 

 

BBC NEWS | Business | Charges case 'madness' says bank

 

Thanks again for support

Linjie ;-)

Link to post
Share on other sites

Yes you can claim on a closed account. They will have to pay you by cheque. If you have all your statements then just fire of the prelim, if not then SAR again. :D

 

 

I will have an up dated read of Toms thread.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Thanks Poorbaroness. I will go for it. Totally fedup being punished for going overdrawn by piddly little amounts like £15.00. It's a bitter irony that our unauthorised overdrafts are for basic necessities yet banks can invest in risky ventures and lose millions! Gosh how careless of them.

 

While I am having a moan it is interesting that I can toddle into a supermarket and buy food that will take me £15 overdrawn and the payment goes through. Should it not be stopped at point of sale :!:? I could prattle on all night. I know my accounts would be in credit if it wasn't for all the :x charges.

 

Why did Halifax say they had not recieved letters from you?

 

Congratulations again

Linjie ;-)

Link to post
Share on other sites

Hi Sea-sidelady

 

Thanks very much I think I will try and claim it back. Need to pull the details out of store on Suaturday. It would be great if I could retrieve the money cause that would take me completely out of debt.

 

Cheers

 

Best wishes to everyone else. :)

Linjie ;-)

Link to post
Share on other sites

Well there is nothing to lose.

 

So go get em..! :D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Thanks so much for your help.

 

I just wondered how things were going with you moneyhelp and you too Sea-sidelady and Poorbaroness too?

 

When I joined the forum I was so full of my own worries that I did not really acknowledge what was going on with you all.

 

I see that you Sea-sidelady have won your cases against Haiifax and that is brilliant I've read that you are going on to challenge others that have 'ripped you off' and I have so much respect for you. Please let me know what is happening.

 

Moneyhelp it is not so clear to me what is happening with you and I would love to know. You were so supportive of me when I was so down and I would welcome your continued support. Equally, I hope I can support you too.

 

Poorbaroness you have won your case and that is fantastic and you found time to offer me support. I promise you that I may appear needy but I really enjoy hearing what is hapening with other people. Do keep in touch.

 

Love to you all

Linjie ;-)

Link to post
Share on other sites

Hiya Linjie,

 

We all support each other here, so if ever you need anything, just ask.

Yes i have a few claims on the go at the minute. But unfortunalty not mine. Its family members. But it keeps me busy :D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Hi Lin,

 

Thank you for your kind words ;)

 

Like Sea side lady I have a few claims on the go at the moment, you can find one of them here http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/88614-moneyhelp-halifax-bank.html

I am also doing one with the Yorkshire bank for a friend. Plus 2 others for myself, one Barclaycard and a Halifax visa.

 

The support here is amazing.

 

How far have you now got with your claim, have you got a response from Halifax yet?

 

Do keep us posted and I wish you well.

Link to post
Share on other sites

Hi Linjie.

 

Welcome to the forum :D.

 

I've not long been a member myself but have found it informative and full of ordinary people like myself, who have got into trouble partly caused by excessive penalty charges.

 

I have subscribed to your thread to see how you get on. I too bank with Halifax and like you have incurred charges over the years on both accounts.

 

I am currently not going after them yet as I am missing three statements from them. I did an S.A.R - (Subject Access Request) last week, so am counting down my 40 days. The only reason why I have decided to hold on is because knowing my luck, the three missing statements may hold another £100 (or more) worth of charges! Therefore I will wait.

 

I am itching to go however because even without the three missing statements, I have worked out that they owe me £3751 for charges alone, on only one account :-x

 

Good luck with everything. Hopefully I shouldn't be too far behind you and we can compare notes. BTW can anyone say on average how long it is taking Halifax to send out statements?

 

You can see who else I'm taking on in my signature!

 

Once again good luck :)

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...