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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      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
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hi everyone ! in this forum, this is ndnorthleeds i ve arrived here , im actually unpacking my bags from a short holiday.i will be joining you very soon but i need to read through your forums first and get to know hw things are done up here in the north !:rolleyes: you See! my account here with yourkshire was closed a year or 2 ago so today i went to one of the branches to try and see if they can help me with my account details and account number , but the lady i found there acted as if OH! WE CANT ! help you ! even though i had my ID, so i just left her in peace.

So when home i just phone again then i was told a defferent storry that oH! just go to any Yorkshire bank with yo ID then we will help you !:o so i was like what the heck! its going on here!

Anywere they dont know they playing with someone who is jacked up big time !I ll be there 2moro .

Hope im on track !

See you in a bit ! any advice will do.;)

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I recently requested my statements from an account closed 2 years ago, I had to show ID it still took over the 40 days as is the case with YB.

I trawled through them and was very disapionted to only find 1 charge of £25 back in 2003.

I have requested it back anyway.probably take this through the FOS, with it being such a small amount.

 

Good luck

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I recently requested my statements from an account closed 2 years ago, I had to show ID it still took over the 40 days as is the case with YB.

I trawled through them and was very disapionted to only find 1 charge of £25 back in 2003.

I have requested it back anyway.probably take this through the FOS, with it being such a small amount.

 

Good luck

Thanks a lot ,oh! sorry b4 you go what is their address ? i mean where do you send the letters?

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is this the right address where letters should go ?

Advice quality unit,charges section

third floor

Brunswick point

wade lane

leeds

LS28NQ

JUST MAKING SURE I SEND THE LETTER TO THE RIGHT PEOLE , JUST SENDIND A PRELIM./Y.BANK

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Thanks alot for yo reply , just got home today as well , been away for a short one, but the first letter is off in a min ,what do you think abouy the floods! I think its awful what other people are going through ,at times you might think God does not exist, OH!

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  • 2 weeks later...
  • 3 weeks later...

Yourkshire bank messing about:mad:

 

Hi Guys!

 

I had an account with yourkshirebank between 2002-2006 ,on that account i applied for aloan. But due to being behind with pay ments i incurred loads of charges despite having been to the bank imforming them that i had lost my job. At the end they just closed the account without any notice and handed my loan account to a dept collector which i managed to pay with all their charges too!

 

2 months ago i rang the bank and was adviced to go to any yourkshirebank with my IDs thus will be supplied with my account details (sort code and account number) .

At first i was sent from pillar to pillar with all the excuses that there is'nt much that could be done since the account was closed.

But i eventually got the details from one of their branches in leeds then i used those details on my SAR(SUBJECT ACCESS REQUEST), then after 30-35 days i recieved a reply stating that they could not supply any statements as this was a loan account for which statements are not available. So they have returned the cheque and the letter saying if i have any quastions i should contact the branch where i opened the account. But i have discovered that the brunch was closed or moved .

Surelly they should be able to provide me with some imformation since they still have my old address on my loan account !PLEASE1 help as i have gone back to squre one . Ihave a feeling they are playing tricks to delay things:(

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  • 2 weeks later...

:twisted: :twisted:

Yourkshire bank messing about:mad:

 

Hi Guys!

 

I had an account with yourkshirebank between 2002-2006 ,on that account i applied for aloan. But due to being behind with pay ments i incurred loads of charges despite having been to the bank imforming them that i had lost my job. At the end they just closed the account without any notice and handed my loan account to a dept collector which i managed to pay with all their charges too!

 

2 months ago i rang the bank and was adviced to go to any yourkshirebank with my IDs thus will be supplied with my account details (sort code and account number) .

At first i was sent from pillar to pillar with all the excuses that there is'nt much that could be done since the account was closed.

But i eventually got the details from one of their branches in leeds then i used those details on my S.A.R - (Subject Access Request)(SUBJECT ACCESS REQUEST), then after 30-35 days i recieved a reply stating that they could not supply any statements as this was a loan account for which statements are not available. So they have returned the cheque and the letter saying if i have any quastions i should contact the branch where i opened the account. But i have discovered that the brunch was closed or moved .

Surelly they should be able to provide me with some imformation since they still have my old address on my loan account !PLEASE1 help as i have gone back to squre one . Ihave a feeling they are playing tricks to delay things:(

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Did you sent the usual SAR, or did you request specific data?

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. .

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You should complain to the Information Commissioners Office.

Information Commissioner's Office - ICO

 

And send an LBA threatening to take them to court for non-compliance with S.A.R - (Subject Access Request).

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

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. .

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You can also claim for the charges applied to that loan account- they are recoverable and not subject to the OFT case.

 

You need the SAR to cover that account too, ie full transaction history on the loan account. You should be able to get the loan account number when you get your statements.

 

Good luck!

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I applied for a S.A.R - (Subject Access Request) without including any account numbers to ensure I'd get everything from them. They sent me current account and credit card statements, but I rang and was told they only supply info on statements. This is absolute twaddle so just keep the pressure on and take the actions suggested above. They're a nightmare.

 

Unfortunately I haven't had a chance to pursue it as other things have had to take priority at the moment.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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You can also claim for the charges applied to that loan account- they are recoverable and not subject to the OFT case.

 

You need the S.A.R - (Subject Access Request) to cover that account too, ie full transaction history on the loan account. You should be able to get the loan account number when you get your statements.

 

Good luck!

Hi can i also claim the charges applied to my loan account both from the bank and and the people i ended up paying through ?coz they closed my account and handed my loan account to a debt company which added more charges as well.did tuo get this quastion sally? thanks to here from you again good luck!

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  • 1 month later...
You should complain to the Information Commissioners Office.

Information Commissioner's Office - ICO

 

And send an LBA threatening to take them to court for non-compliance with S.A.R - (Subject Access Request).

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

hi there i have not been intouch partly due to delays with mail not getting to plces in time , now the Y/B had all the excuses . Anywere they are giving me a tough time so i have complained to the commisioner" s office and im waiting for their reply , At times you fill like giving up you know!

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I know at times it is easy to think, you cant be bothered anymore.

 

But you have come this far!!

 

Let us know when you hear anything back from them.

 

Did you file the non compliance??

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. .

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I know at times it is easy to think, you cant be bothered anymore.

 

But you have come this far!!

 

Let us know when you hear anything back from them.

 

Did you file the non compliance??

No i didnt, i just wrote to them twice asking for for my account details and they just said the cant help! so i sent a complaint to the commissioner, and they have made me fill a form which they have acknowledged thus the waiting continue .

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  • 3 weeks later...
Did you sent the usual S.A.R - (Subject Access Request), or did you request specific data?

 

 

hi sea sidelady i finally got my statements today from Y/B AFTER HAVING REPORTED THEM TO F.O.S ( THE commisioner) so im writing them the 2nd letter demandining they pay me back what is mine, ho! a long jorney and is only £600, but its mine is nt "it? please ill be happy if you can reply

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