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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).
    • 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?  
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Contractual Interest - Precedent - LOST


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Any advice for me guys...please?!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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I was in Edmonton County court today for a friend. We argued absolutely everything (M&R, Custom and usage, fiduciary arguments etc.) and didn't make any headway.

 

I have the following info:

 

Sempra case is NOT relevant for county court cases, NO bank charge case has been decided on in a higher Court than Small Claims so you cannot argue unjust enrichment because the Court needs a ruling either by the higher Court OR OFT/FSA on the legallity of charges. Compound interest is not allowed because of Halliday vs HBOS ruling. This info was given by DJ Cohen who was very helpful and refused to throw out the claim even though the claimant had filed completely the wrong info - mainly because Cobbett's sent a cheque for £1300. The claimant had wanted 29.5% but was only awarded 8% simple.

 

Only going to a higher court will you be able to get CI, charges ruling etc.

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Sempra case is NOT relevant for county court cases

So House of Lords decisions are not relevant in the County Court? Really? New one on me!:rolleyes:

NO bank charge case has been decided on in a higher Court than Small Claims so you cannot argue unjust enrichment because the Court needs a ruling either by the higher Court OR OFT/FSA on the legallity of charges.

Its difficult to argue in isolation but if you kept the claim intact and got a judgement in your favour on the issue of the charges, then theres nothing stopping any court awarding compound interest on top under unjust enrichment - in fact one would quite easily follow the other if it was argued properly. If the charges are settled then you would need the court to agree to proceed on the assupmtion that the charges were found unlawful.

 

Incidentally, the OFT/FSA have no power to establish law.

Compound interest is not allowed because of Halliday vs HBOS ruling.

Not true. Halliday HBOS ruled primarily on the issue of implied terms - specifically whether a term could be implied on the basis of fairness. It has no bearing whatsoever on the award of compound interest in general or on any other basis.

Only going to a higher court will you be able to get CI, charges ruling etc.

Nope. There is nothing stopping any court awarding compound interest under unjust enrichment since Sempra.

 

Nobody is saying its easy and as I posted above there are still areas where the argument could fall down, but if the Claimant makes a properly constructed case for it then its within the courts jurisdiction to award compound interest under unjust enrichment - whether small claims, High Court, whatever.

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Its difficult to argue in isolation but if you kept the claim intact and got a judgement in your favour on the issue of the charges, then theres nothing stopping any court awarding compound interest on top under unjust enrichment - in fact one would quite easily follow the other if it was argued properly. If the charges are settled then you would need the court to agree to proceed on the assupmtion that the charges were found unlawful.

The Sempra case involved only the payment of interest - the principas waspaid before the case wa brought.

 

Para 238 of Sempra - "....I cannot think that Lord Goff and Lord Wolf would have declined to extend the equitable power to award compound interest to a situation like the present merely because the principal sum was recouped before action brought. It is true that such an extension involves recognising an independent equitable claim to recover interest. But the restitutionary inpulse that the [Applellamts] should relinquish any monetary benefit actually received is a strong incentive to extend equity's reach to such cases"

 

 

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But the money in Sempra was accepted to have been paid wrongfully - or mistakenly, anyway. The point is that if there is no judgement on the charges then there can be no assertion that the enrichment enjoyed by the bank is unjust. The charges as they stand at present are not actually unlawful, just presumed to be.

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I really did argue unjust enrichment but the DJ asked me for a case heard in a higher court where bank charges had been ruled as an unjust enrichment. I couldn't give him an answer.

 

He said he is governed by the 1984 County Courts Act and cannot award Contractual Interest or 8% compounded. I argued that the Halliday case was an abuse of Court process because HBOS settled the charges but didn't settle the CI but he just said again that he was bound by the ruling of the High Court and that there was no ruling on the charges. He said we had won the 'moral' argument though

 

I have another case very soon so I will just not take NO for an answer and still clearly put across those points again.

 

Maybe we can find out the most pro-claimant District Judges in the UK.

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Presume so, although I'm not sure it'd be wise tbh.

I really did argue unjust enrichment

How exactly, if you don't mind me asking?:) Have you got a witness statement, or a skeleton argument you could show us?

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Its difficult to argue in isolation but if you kept the claim intact and got a judgement in your favour on the issue of the charges, then theres nothing stopping any court awarding compound interest on top under unjust enrichment - in fact one would quite easily follow the other if it was argued properly. If the charges are settled then you would need the court to agree to proceed on the assupmtion that the charges were found unlawful.

Gary, re phrase in bold. Do you mean after a hearing with the bank defending, or by default (or either)?

 

Otherwise, that’s exactly the line I propose to take with my next claim. The claim will be for charges + costs + compound interest. Any offer of charges + 8% will be declined. As I no longer deal with the bank in question, they will be unable to dump money into my account and tell the court they have settled. It will be a case of ‘who blinks first’. The bank will either have to settle in full (or make me an offer that I would be an idiot to refuse), or go to court and argue charges. There is now enough evidence around to suggest that the bank would not go to court, but the claim would have to be prepared on the basis that they would, with all the current reasoning and arguments.

 

As the amount to be claimed is substantial, the claim is likely to be listed in a higher court, so there would be cost implications if I were to lose.

 

I would very much welcome some advice on this, even if only to tell me I’m a chump.

 

If the response is encouraging I’ll continue in my own thread.

 

Els

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I'm still struggling to decide what to do with my case.

 

To remind you, Hfx have dumped money into my account to the tune of charges + 8% + £120 court fee. I was claiming CI @ 28.8% APR (their unauthorised borrowing rate). They've not entered a defence, though have filed ack on MCOL. The deadline was today, though I believe with it being the weekend, that becomes monday.

 

I badly want to screw them for the CI, but not sure whether it is wise to try.

 

My PoC stated I'm claiming contractual interest on the basis of M&R AND unjust enrichment.

 

I'm tempted to enter a default judgement, but unsure.

 

Anyt advice would be greatly appreciated.

 

FWIW, they've not even dumped ANYTHING into my account for my Visa charges claim, so I'm deffo defaulting them for that as soon as MCOL lets me!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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is really is hard knowing what to do monkey-i'm in the same situation

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Hi,

Can someone explain what the lost case means now? Can we still claim contractual interest?

 

Now that the precedent has been set for CI claims using the Mutuality & Reciprocity arguement, it means that you cannot claim CI if you use this.

 

Their is a possiblility for using other approaches such as in Equity putting the Bank to Account for Profit. This needs to be researched well in advance and not rushed into or we could end up with the same situation as the other arguement.

 

People should not just add this to their POCs as a way of getting extra money prior to understanding it fully first and also be preparred to argue it fully in court.

 

JMHO

 

It woulod be an idea to have a closed forum to discuss this area first before people start to rush in. It would also not allow the banks to see our strategy.

 

Tanz

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Now that the precedent has been set for CI claims using the Mutuality & Reciprocity arguement, it means that you cannot claim CI if you use this.
What's the advice if you already have then ... ie already included in POC's where you have already filed .... I guess it's too late but should you continue & wait & see what happens?

 

It woulod be an idea to have a closed forum to discuss this area first before people start to rush in. It would also not allow the banks to see our strategy.

 

Tanz

 

That's been suggested on here before but I'm not sure a full answer/decision was given ... I'm sure I read that some things are being discussed behind the doors but can't remember the fully story ... perhaps a mod can clarify this?

 

Deffo a good idea tho ! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Hi Els,

Gary, re phrase in bold. Do you mean after a hearing with the bank defending, or by default (or either)?

It would have to be a judgement following a hearing - default judgements don't approve or even consider the merits of a claim one way or another. Apparently default judgements are not even granted by judges nowadays, just processed by court clerks.

Otherwise, that’s exactly the line I propose to take with my next claim. The claim will be for charges + costs + compound interest. Any offer of charges + 8% will be declined. As I no longer deal with the bank in question, they will be unable to dump money into my account and tell the court they have settled. It will be a case of ‘who blinks first’. The bank will either have to settle in full (or make me an offer that I would be an idiot to refuse), or go to court and argue charges. There is now enough evidence around to suggest that the bank would not go to court, but the claim would have to be prepared on the basis that they would, with all the current reasoning and arguments.

 

As the amount to be claimed is substantial, the claim is likely to be listed in a higher court, so there would be cost implications if I were to lose.

 

I would very much welcome some advice on this, even if only to tell me I’m a chump.

 

If the response is encouraging I’ll continue in my own thread.

 

Els

I'm a bit reluctant to advise anyone either way really (sorry if thats a bit of a cop-out!), but IMHO a properly pleaded (and subsequantly properly argued), fully understood and well thought through claim for compound interest under unjust enrichment would have an excellent chance of success. Have to stress again though, thats just my unqualified opinion. Mind you, at the very least I don't think there can now be any doubt at all that such a claim would be entirely valid, legally and morally also IMHO.

 

How easy it is to demonstrate unjust enrichment would to a certain extent depend on the individual circumstances of each particular case, I think. For instance Pen's claim - she was forced to take out a loan to refinance the charges, so the bank were enriched not only by having use of the wrongfully levied charges, but moreover they were again enriched directly at her expense by way of her paying them compounded interest on the loan. Therefore if the charges are unlawful they were paid by mistake and the enrichment is unjust, then the court can now grant a remedy which provides full restitution - I.e compound interest. Before Sempra the court could not. (unless a breach of fid duty occurred)

 

If its a business claim and if the claim is of higher value then based upon my (layman's) interpretation of Sempra, theoretically at leastyou'd be much more likely to get awarded compound interest than a consumer claim of low value. On the flip-side to that though and as you've already identified, the size of the claim means a costs risk.

 

Which bank is it, btw?

 

I'm still struggling to decide what to do with my case.

 

To remind you, Hfx have dumped money into my account to the tune of charges + 8% + £120 court fee. I was claiming CI @ 28.8% APR (their unauthorised borrowing rate). They've not entered a defence, though have filed ack on MCOL. The deadline was today, though I believe with it being the weekend, that becomes monday.

 

I badly want to screw them for the CI, but not sure whether it is wise to try.

 

My PoC stated I'm claiming contractual interest on the basis of M&R AND unjust enrichment.

 

I'm tempted to enter a default judgement, but unsure.

 

Anyt advice would be greatly appreciated.

 

FWIW, they've not even dumped ANYTHING into my account for my Visa charges claim, so I'm deffo defaulting them for that as soon as MCOL lets me!

I'm not sure there's much to add to whats already been posted tbh. Only you can make the decision. If you want my opinion though then you should settle for what you've been paid. Particularly bearing in mind that its Halifax who are highly likely to defend it, and you've accepted an offer of the charges, and your claiming the 29.9% higher rate, and its based in part at least on M&R, personally I think your chances of success are low.

 

Hi,

Can someone explain what the lost case means now? Can we still claim contractual interest?

In a word, no.

 

There is the possibility of claiming compound interest, at the authorised contractual rate perhaps, but IMHO the emphasis should now come away from the word "contractual". The basis of a claim for compound interest would have nothing to do with your account contract.

 

Aside from that, and even though the recent Sempra virdict has clearly opened up a route to claiming compound interest, for the most part I would still say its not generally advisable at the present time. JMHO, of course.:)

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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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If its a business claim and if the claim is of higher value then based upon my (layman's) interpretation of Sempra, theoretically at leastyou'd be much more likely to get awarded compound interest than a consumer claim of low value. On the flip-side to that though and as you've already identified, the size of the claim means a costs risk.

 

Which bank is it, btw?

 

Thanks for the response Gary.

 

Yes, it is a business claim and guess what, it's LTSB!

 

I'll do some reading, thinking and chin scratching.:)

 

Els

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:D :D :D Not The dreaded LTSB,

 

Els, you are a glutton for punishment :D :D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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What's the advice if you already have then ... ie already included in POC's where you have already filed .... I guess it's too late but should you continue & wait & see what happens?

 

I think if it was me I would amend my POC using the N244 and paying the non refundable fee. I think it ccould be left but chances are defendants will mention the precendent in defences and judges would dismiss this part of a claim.

Really this would depend on the stage of your claim as if you had a court date set and it was fast approaching then it may in fact be a little to late to make the neccessary changes prior to the hearing. JMHO others may have a different view.

 

 

 

That's been suggested on here before but I'm not sure a full answer/decision was given ... I'm sure I read that some things are being discussed behind the doors but can't remember the fully story ... perhaps a mod can clarify this?

 

Perhaps the MODs may want to revisit this or give us a full answer.

 

Deffo a good idea tho ! :)

 

If it is being discussed behind closed doors then perhaps the mods might like to inform members before they rush into this without fully understanding the arguements, which was what we saw with CI.

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Please, please forgive me me if, once again, I'm barking up the wrong waterhole here but regarding brechiner's post....

 

I really did argue unjust enrichment but the DJ asked me for a case heard in a higher court where bank charges had been ruled as an unjust enrichment.

 

Could it not be argued that whether the bank charges themselves are unjust enrichment is not particularly the issue here as the banks have been settling the charges regardless, it is the interest the bank are likely to have been earning on these charges for which the unjust enrichment applies in this particular instance which is what we are claiming back ? Or is it all interconnected in that if the charges are not unjust enrichment then the interest earnt is also not unust etc. so can't be paid back, but if the banks have been paying back the charges then surely they should be paying back the interest earnt on those charges as well ?

 

Or maybe I should just sit in a corner and be quiet ?!

 

I only ask because I am just about to send of a request letter to Cap1 and I really don't know whether to put the CI on there anyway ?

 

Once again, thanks to all CAGgers (but esp. the clever ones:wink: ) for your omniscience !

Tim aka Capitulator

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BTW. I also agree with TANZ and chezt but am worried if it does become a closed discussion I wouldn't get a look in ! (which, for some, might not seem such a bad idea !

:lol:)

 

Wanting a piece of the pie is not a bad thing, however anybody considering it should be fully aware of the arguements, case law, counter arguements and be preparred to argue it in the court. If not then it could simply do more harm than good.

 

The idea of a closed forum area would be to get a course of action ready for use away from the prying eyes of the banks (who we all know read this type of forum).

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Dear ***********

I reiterate the points outlined in my email below and confirm that your proposed claim for interest at a rate of 29.69% is entirely without merit. I set out below the Bank's position. Quite simply:

  • there is no express term in the banking contract between the parties that entitles the Claimant to charge the Defendant interest at 29.69% per annum (or at any rate) on sums which might otherwise be due to the Claimant from the Defendant; and


  • nor is there any basis upon which to imply or otherwise "impose" such a term into the contract between the parties. It is trite law that a term will not be implied into the contract simply because it is "reasonable" or "fair" to do so but only because it is necessary to give business efficacy to the contract. In the present case, it is plainly not necessary for such a term to be implied. See also the recent decision of Underhill J in Halliday v HBoS PLC [2007] All ER (D) 66 (Jun) (QBD) to similar effect.


I reiterate my request for a schedule detailing interest at 8% and confirm that should you choose to pursue your claim for contractual interest at a rate of 29.69%, we reserve the right to apply to the Court for an Order striking out this part of the Claimant's claim and we shall refer to this correspondence on the issue of our costs.

 

Kind regards

 

Hi - That's the letter i received today! so basically saying its a no go on fair & reasonable /mutuality and reciprocity! I was hoping they wouldn't realize! In any case -any ideas on what I should respond? I mean in terms of CI - is there another argument I should put forward now? Plus I just received a court date today for november...should i mention?

 

thanks for any possible help!!!

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You need to accept the offer of charges + 8%.

 

Unfortunately everything in their e-mail is entirely correct. You won't get CI under mutuality and reciprocity (or fairness, balance, UTCCR, whatever) and certainly not now since the Halliday judgement. If you pursue it then you run the risk of costs being awarded against you.

Please remember to DONATE! Help CAG keep up the fight!

 

 

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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