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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.

      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.

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Contractual Interest - Precedent - LOST


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Hi every body,

I am new in the forum and am still strugling to use it.

 

Can anybody tel me whether I can claim back " unarranged borrow fee" when i got the charges summary I found out that there was a lot of charges they call it unarranged borrow fee" also they state at the bottom of the statement that if I am overdrawn without arrangement i will charged unarranged borrowing rate of 29.5%, can anybody tell how i can claim back that interest level.

 

Please send to me in private as i am struggling to go through all the messages.

 

Thanks,

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If you read the thread through you will see that we are all really waiting to some extent for the official judegement

 

Steven

 

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i did a search on googlr and there was a case on 8 june with that judge halliday vs hbos plc

voyager9

nationwide settled in full 7/06/2007

 

yorkshire bank settled in full 15/06/2007

 

capital one filed at court 06/06/2007 acknowledged 15/6 defence received 30/6 AQ sent 2/7 with application for summary judgement--hearing date 18 sept foe defence to be struck out

 

cahoot filed at court 25/06/2007 to acknowledge default judgement granted 27/06###won###settled in full

 

HBOS filed at court acknowledged 20/06/2007 default judgement granted 16th july so won

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heres the search results however the court page updates to the cuurent day

halliday v hbos plc - Google Search

nationwide settled in full 7/06/2007

 

yorkshire bank settled in full 15/06/2007

 

capital one filed at court 06/06/2007 acknowledged 15/6 defence received 30/6 AQ sent 2/7 with application for summary judgement--hearing date 18 sept foe defence to be struck out

 

cahoot filed at court 25/06/2007 to acknowledge default judgement granted 27/06###won###settled in full

 

HBOS filed at court acknowledged 20/06/2007 default judgement granted 16th july so won

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I don't want to be a c... but dad may as well be a bank employee! I mean he is not giving us any specific details so that we check them ourselves .... I will reserve my judgement untill I see proof. :eek:

FWIW, I don't think there can be any doubt that this judgement is genuine.

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Just to add something else into the mix here which may or may not be relevant.

 

In claiming compound interest on the basis discussed above we seeking to establish a breach of trust thereby invoking equities juristiction to grant compound interest as a remedy.

 

Two of the maxims (or principles) of equity are;

 

- One who seeks equity must do equity

- One who comes into equity must come with clean hands

 

I think its important to remember here that the very cause of action in our claims is a result of OUR breaches of contract.

 

Is being awarded 100% of the charges imposed as a result of our breach then interest at an unathorised rate of 29.whatever% truely equitable?

 

I think perhaps not.

 

It's something that has worried me a bit for a while that we are claiming back 100% of the charges when what we ought to be claiming is the difference between the charges and the banks' consequential liquidated losses. (Some versions of the statement of evidence I have seen acknowledge this althouth the 'standard' ones in http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html do not). The problem, of course, is that we have no real way of knowing what the consequential liquidated losses actually are since the banks won't tell us.

 

I think that rephrasing our claims to say explicitly that what we are seeking is the difference between the charges and the consequential liquidated losses would certianly remove any objection because of the first maxim and probably the second also since we are prepared to accept an equitable solution and are only hidered from doing so by the defendants' concealement and secretiveness. (In the cases I have looked at (not exhaustive), clean hands seems to refer to cases where the claimant has deliberately acted wrongly in order to try and claim equitable relief - eg someone who kills a relative in order to gain an inheritance then being deprived of the inheritance that would otherwise have been theirs)

 

In the absence of any other information we would have to say that numerically this difference is actually the same as the total of the charges (ie the liquidated losses are zero), but we are willing to accept less if the information on consequential losses is provided (however, it certainly does not mean we will accept £12!!!)

 

Steven

 

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Any opinions are without prejudice & without liability.

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halliday is not the judge he was called Mr Justice Underhill

 

The Appeal came before Mr Justice Underhill last week (8 June 2007)

 

the case listed on 8th june was halliday vs hbos plc

 

you dont normally get the judge vs defendant do you?

nationwide settled in full 7/06/2007

 

yorkshire bank settled in full 15/06/2007

 

capital one filed at court 06/06/2007 acknowledged 15/6 defence received 30/6 AQ sent 2/7 with application for summary judgement--hearing date 18 sept foe defence to be struck out

 

cahoot filed at court 25/06/2007 to acknowledge default judgement granted 27/06###won###settled in full

 

HBOS filed at court acknowledged 20/06/2007 default judgement granted 16th july so won

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JUSTICE UNDERHILL Friday, 8th June, 2007 At half past 10 UNROBED FOR HEARING OF APPEAL CC/2007/PTA/0119 Halliday v HBoS Plc

 

this is what it says on search results

nationwide settled in full 7/06/2007

 

yorkshire bank settled in full 15/06/2007

 

capital one filed at court 06/06/2007 acknowledged 15/6 defence received 30/6 AQ sent 2/7 with application for summary judgement--hearing date 18 sept foe defence to be struck out

 

cahoot filed at court 25/06/2007 to acknowledge default judgement granted 27/06###won###settled in full

 

HBOS filed at court acknowledged 20/06/2007 default judgement granted 16th july so won

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and in your search there is absolutely no info i can find validating that there was a hearing a bout hbos on the 8th of june with this judge

 

the info is in the first result of the following search pages as well

 

JUSTICE UNDERHILL Friday, 8th June - Google Search

nationwide settled in full 7/06/2007

 

yorkshire bank settled in full 15/06/2007

 

capital one filed at court 06/06/2007 acknowledged 15/6 defence received 30/6 AQ sent 2/7 with application for summary judgement--hearing date 18 sept foe defence to be struck out

 

cahoot filed at court 25/06/2007 to acknowledge default judgement granted 27/06###won###settled in full

 

HBOS filed at court acknowledged 20/06/2007 default judgement granted 16th july so won

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It's something that has worried me a bit for a while that we are claiming back 100% of the charges when what we ought to be claiming is the difference between the charges and the banks' consequential liquidated losses. (Some versions of the statement of evidence I have seen acknowledge this althouth the 'standard' ones in http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html do not). The problem, of course, is that we have no real way of knowing what the consequential liquidated losses actually are since the banks won't tell us.

 

I think that rephrasing our claims to say explicitly that what we are seeking is the difference between the charges and the consequential liquidated losses would certianly remove any objection because of the first maxim and probably the second also since we are prepared to accept an equitable solution and are only hidered from doing so by the defendants' concealement and secretiveness. (In the cases I have looked at (not exhaustive), clean hands seems to refer to cases where the claimant has deliberately acted wrongly in order to try and claim equitable relief - eg someone who kills a relative in order to gain an inheritance then being deprived of the inheritance that would otherwise have been theirs)

 

In the absence of any other information we would have to say that numerically this difference is actually the same as the total of the charges (ie the liquidated losses are zero), but we are willing to accept less if the information on consequential losses is provided (however, it certainly does not mean we will accept £12!!!)

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

The ethos of this site has always been that if the defendant won't tell us the true loss incurred as a result of the breach then the charge which arises from it is unenforceable in its entirety. Thats fine, but as you say we've also got to acknowledge that ultimately we have the burden of proof, although obviously its only the civil balance of probabilities.

 

This came up recently with this order which seems quite harsh but really its not - it represents what we'd need to demonstrate if a claim was seriously contested in court.

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/726-abbey-charges-4.html#post887258

 

The figure I came up with in response was between £0.20 and £1.75 per breach - based on CYNthesys, the Aussie report, data processing costs and a couple of other factors.

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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your not the only one there is lots of people with claims already filed with ci including myself who are very dissapointed with this judgement.

 

in a way i am suprised he appealed and took that risk but he did so thats that the only hope people with claims already in is that they can keep their claims intact and not end up with just the ci, my account is closed so i know they cannot deposit anything but still think i will not pursue ci

 

the only thing going for me is i have included in my poc this below which i do not see how they can deny and defend therefore if they admit to this then i am entitled to judgement as sought

 

The Claimant is a disabled person and her husband is a full-time carer for there disabled son as such the only income into the Account was disability living allowance for the claimant, disability allowance for her son, income support, invalid carers allowance and child support all of which were paid into the account by the Department For Work and Pensions.

 

Section 187 of the Social Security Administration Act 1992 (SSAA) states that these benefits are

inalienable, that is, every assignment of or charge on these benefits and every agreement to assign or

charge such benefit shall be void. During the period ###### to #######, charges totaling

£####.## had been applied to the Claimants Account in relation to direct debit refusals, exceeding

overdraft limits and so forth in direct contravention of the Act. In that eventuality the Claimant is

entitled to Judgement as sought in paragraph 66.

 

so i am just waiting and seeing

 

voyager9

nationwide settled in full 7/06/2007

 

yorkshire bank settled in full 15/06/2007

 

capital one filed at court 06/06/2007 acknowledged 15/6 defence received 30/6 AQ sent 2/7 with application for summary judgement--hearing date 18 sept foe defence to be struck out

 

cahoot filed at court 25/06/2007 to acknowledge default judgement granted 27/06###won###settled in full

 

HBOS filed at court acknowledged 20/06/2007 default judgement granted 16th july so won

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The figure I came up with in response was between £0.20 and £1.75 per breach - based on CYNthesys, the Aussie report, data processing costs and a couple of other factors.
I think this probably about right.

 

I bank with Nat West and have both personal and business accounts. Penalty charges are the same on both. I believe that the cost of processing a default is exactly the same as for any other automated transaction (not twice as much as is arbitrarily assumed in the Aussie report). I also believe that the cost of transactions on a business account are the same as on a personal account.

 

On my business account, I get charged as follows:

 

BACS direct debits - £0.38

Other automated Debits - £0.40 (this is basically the ones I do online)

Automated credits - £0.20

 

As I said, I believe the cost of refusing a direct debit is the same as actually paying it via BACS - the request part is the same, the refusal instead of a payment. The charge to me contains a profit element, say 10%, therefore the actual cost of refusing a DD is no more than about 34p. I can't see that any other transaction costs anything different (BTW I also don't see why doing it myself cost 2p more than NatWest doing it!! But that's another story).

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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I am going to modify my approach to my NatWest claim, based on what we have been talking about: http://www.consumeractiongroup.co.uk/forum/natwest-bank/96598-my-own-natwest-claim.html#post922827

 

I am not using the unlawful charges for breach of contract argument (ATM anyway) but concentrating on breach of fiduciary relationship and going for CI on that basis.

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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Hi all.

On the subject of mutuality & reciprocasy, i thought that the actual terms that were used in a law case that uses this in its argument was 'in fairness & balance' not M & R , so this being the case, using M & R as an example is no good as there is not / was not a case using that term.

I read that on this site somewhere.

 

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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I am going to modify my approach to my NatWest claim, based on what we have been talking about: http://www.consumeractiongroup.co.uk/forum/NatWest-bank/96598-my-own-NatWest-claim.html#post922827

 

I am not using the unlawful charges for breach of contract argument (ATM anyway) but concentrating on breach of fiduciary relationship and going for CI on that basis.

 

Steven

 

If this post is helpful, please click the scales

 

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

Think thats a very good idea

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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If we have existing claims (mine are with 1st Direct), how should we now handle offers?

I have two claims proceeding.

One has a court date set for 4th Aug and the other they haven't filed their AQ in time so am going to send a nudge letter.

 

However in light of this precedent, I'm going to have to re-word it (and the other claim).

All my other letters I have been claiming contractual interest and that has been the basis of what I intend to settle on.

 

When I write my letter should I mention "in light of the precedent ...(details) ... I am willing to accept an offer based on 8% statutory interest this being £xxxx" Or should I just not mention the precedent and quietly drop the CI claim and just state I will accept an offer for £xxx (which will be lower that what I have previously been claiming)?

 

What are others doing?

 

Thanks

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Should we be doing this?

 

When I write my letter should I mention "in light of the precedent ...(details) ... I am willing to accept an offer based on 8% statutory interest this being £xxxx" Or should I just not mention the precedent and quietly drop the CI claim and just state I will accept an offer for £xxx (which will be lower that what I have previously been claiming)?

 

I for one will not be helping them by pointing out precedents and offering to accept a lower offer if they have not pointed it out themselves. I have a couple of claims that have hearing dates for charges and PPI in the next 2 weeks and I have applied CI to the charges but not 8% compounded as well. I won't be changing my claim so will see what the judge has to say rather than trying to pre-empt. I figure the worst that can happen is the claim is struck out or settled before court.

 

Do I have this wrong?

 

:confused:

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Should we be doing this?

 

When I write my letter should I mention "in light of the precedent ...(details) ... I am willing to accept an offer based on 8% statutory interest this being £xxxx" Or should I just not mention the precedent and quietly drop the CI claim and just state I will accept an offer for £xxx (which will be lower that what I have previously been claiming)?

 

I for one will not be helping them by pointing out precedents and offering to accept a lower offer if they have not pointed it out themselves. I have a couple of claims that have hearing dates for charges and PPI in the next 2 weeks and I have applied CI to the charges but not 8% compounded as well. I won't be changing my claim so will see what the judge has to say rather than trying to pre-empt. I figure the worst that can happen is the claim is struck out or settled before court.

 

Do I have this wrong?

 

:confused:

 

 

I still think we need to wait and see what the judgement actually says and more importantly the reasoning applied by the judge in reaching his decision. With respect to Dad I know personally how you can not fully take in everything the judge is saying as they're reading judgement out. You need to see the judgement.

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Halliday v HBoS plc

QUEEN'S BENCH DIVISION

[2007] All ER (D) 66 (Jun)

HEARING-DATES: 8 JUNE 2007

8 JUNE 2007

CATCHWORDS:

Bank - Banker/client relationship - Implied term - Bank making unauthorised charges on client's account - Bank realising error and making full repayments with simple and statutory interest - Client contending his entitlement to compound interest on repayments - Whether term to be implied for compound interest.

 

HEADNOTE:

This case digest has been summarised by LexisNexis UK editors.

 

The claimant opened a current account with the defendant bank. From time to time, the bank debited the claimant with various charges. The claimant contended that those charges were made unlawfully. He issued proceedings in the county court. The bank repaid the claimant the full amount which had been deducted, together with a number of other amounts which comprised simple and statutory interest, but not compound interest. Thereafter, the bank applied to strike out the claimant's claim, on the ground that there was no sum between it and the claimant outstanding. A single judge acceded to that application. The claimant appealed.

 

He submitted that the judge had erred in law, having not awarded him compound interest on the repayments which had been made by the bank. He argued, inter alia, that a term should be implied as a matter of law, to entitle him to the receipt of compound interest, as such a course was fair in the circumstances, particularly in light of the fact that the bank enjoyed a contractual right to charge compound interest to a customer for any unauthorised overdrafts.

 

COUNSEL:

The claimant appeared in person; Laura John (instructed by DLA, Leeds) for the bank.

 

PANEL: UNDERHILL J

 

DISPOSITION:

The appeal would be dismissed.

 

Having regard to settled law, a term could not be implied simply for reasons of fairness, but could only be implied in circumstances where it was necessary to give business efficacy to a contract. In the instant set of circumstances, it was not necessary for such a term to be implied. The claimant had his rights protected by virtue of the fact that the bank had repaid him the full amount which it had unlawfully charged, together with the simple and statutory interest which would have accrued during the period that those charges remained with the bank.

 

Accordingly, compound interest would not be awarded on the repayments which had been made by the bank.

 

Scally v Southern Health and Social Services Board (British Medical Association, third party) and other appeals [1991] 4 All ER 563 applied.

 

 

 

[2007] All ER (D) 66 (Jun)

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

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This might be a useful point to remember that the situation is different for credit cards (and store cards). Jclancy has put some useful stuff on Berwick v Lloyds and its application to CCs (*http://www.consumeractiongroup.co.uk/forum/show-post/post-926976.html)

 

Also on this thread (post #13) dad points out that the judge in his case (Halliday v HBoS) said that we can legitimately claim

 

a. The charges

b. Interest charged by the bank on the charges

c. s69 Interest on a & b.

 

In the case of CCs, b is compound contractual interest.

 

In summary, I believe Halliday v HBoS gives authority to claim compound contractual interest on credit card and store card claims. (But as Joisie says, we probabaly need to see the actual judement).

 

Steven

 

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