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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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OFT Test Case and Scottish Actions


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I'm trying to get clarification around about the impact the OFT Test Case has in Scotland.

 

I read a piece on MoneySavingExpert.com saying that it doesn't affect Scottish cases and this seems to be backed up by snippets dotted around recent posts on this forum.

 

Is this the case - should we proceed as normal? Is there a possibility that the case will be haulted until the result of the test case is announced?

 

I'm sure I'm not the only one who would like some guidance on this.

 

Thanks.

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I was looking for some sort of clarification on this also....

My small claim proceedings against HBOS were lodged with Aberdeen Sheriff Court before the announcement RE the test case, & I have a return date of 23rd August.

Since then however, I received what looks like a generic letter stating that if I launch a court action they will immediately apply for a 'stay' & the bank will categorically not be settling any claims until after the test case is complete.

I haven't heard anything from the court yet, I guess I'll find out on the 23rd. I assume it's still the case that if they do nothing by the return date I win?

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The "generic" letter you got seems to be more relavent to the situation in England and Wales. You have a return date so the bank needs to tell the court they intend to defend and attend the prelim hearing .At this stage they could ask for an adjournment. If they dont lodge a defense or lodge a defense and not turn up to the prelim then you will get your Decree in Absence.

 

If they do turn up or write to the courts and request an adjournment then you will need to use all the argurments given in the other threads why your case should continue. I have not seen any posts of banks doing this so far in Scotland.

 

As for not settling any claims until after the test case if you have or you get an extract for payment then the banks will have to pay up or else face sheriffs officers removing equipment from the office or branch you served your papers on.

 

The only exception is they could ask for a recall of decree but again they need a good reason and then all that happens is you get a new return/calling date. They still have to lodge a defense and turn up to the hearing else they loose again!

 

The banks try and frighten you off by making miss leading statements that whilst not technically wrong have you thinking that you have no chance which we all know is not true:-D

 

Cheers

[sIGPIC][/sIGPIC]They don't like it up 'em Mr Mannering :-o

 

Abbey Claiming £1241.00

S.A.R - (Subject Access Request) requested - 17/02/2007

Prelim sent - 26/03/2007

LBA sent - 13/04/2007

Summary Cause - 22/05/2007

Form 11 - 29/06/2007 (no defence submitted)

Extract of Payment sent 01/08/2007 ALMOST THERE!

*** WON *** Cheque recieved 13/9/2007

 

Lloyds TSB Claiming £1335.00

S.A.R - (Subject Access Request) sent - 07/03/2007

Prelim sent - 13/04/2007

LBA sent - 03/05/2007

Summary Cause - 22/05/2007

Form 11 - 29/06/2007 (no defence submitted)

Extract of Payment sent 01/08/2007 ALMOST THERE

**WON** Cheque received 6/9/2007

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Hi,

 

My claim through FOS has been put on hold.

 

Miffed is'nt the word.!!!!!!!!

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

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Help keep it up and active, helping people like you.

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  • 2 weeks later...

Hi all

I received letter from RBOS and one sentence has me confused

 

"For customers for whom Scotland is the most likely jurisdiction,your right to refer your complaint to the Financial Ombudsman Scheme will not be affected."

 

I thought that they were not handly any new claims.

 

Can we in Scotland still put our complaint to FOS ?:confused:

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I received a letter from HBOS with the same wording - I just read the whole thing as an attempt to discourage any kind of court action from the outset, & correctly my that my "right" to refer the complaint to FOS is unaffected, it's just that they would not act on it!?

This was just before the bank successfully applied to sist (stay) my Small Claim in the Sheriff Court :mad:

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I got this in reply to a letter telling them they had not fully complied with my SAR which is well past the 40 days.It goes on about the test case and the OFT and FSA and how they have asked them to suspend all cases etc.

 

To me they just seem to be gloating in the fact they have requested the OFT and the FSA to halt all claims and are getting away with it.

 

I thought they were there for the consumer not the banks.

 

I agree with you about trying to put you off,I felt like that yesterday but now I am all the more determined.

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You must remember it is you who are doing the sueing not the banks It is not up to them to stop a suit it is the court who decide and if I was in court and the judge suggested delaying the case I would point out that the case was started before the test case and should not be delayed!!!!!:mad:

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Hi all

I received letter from RBOS and one sentence has me confused

 

"For customers for whom Scotland is the most likely jurisdiction,your right to refer your complaint to the Financial Ombudsman Scheme will not be affected."

 

I thought that they were not handly any new claims.

 

Can we in Scotland still put our complaint to FOS ?:confused:

 

u20sr, joice and myself have the same para inserted in the letter from HBOS. All Scottish cases, so they appear to be saying you can still go to the FOS.

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You can still go to the FOS no matter where you live but they won't look into it unless you can demonstrate that you are currently suffering hardship as a result of the charges.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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You must remember it is you who are doing the sueing not the banks It is not up to them to stop a suit it is the court who decide and if I was in court and the judge suggested delaying the case I would point out that the case was started before the test case and should not be delayed!!!!!:mad:

 

I tried that (amongst other arguments) but the Sheriff still happily granted HBOS their sist on my claim (& 6 others)......very:evil:!

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You can still go to the FOS no matter where you live but they won't look into it unless you can demonstrate that you are currently suffering hardship as a result of the charges.

 

So we need to find out what their definition of hardship is and get that clarified. Thanks Rory.:)

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  • 3 weeks later...

Yes, completely correct. Inverness recently gave a decision against the banks and ruled in favour of the pursuer.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 4 weeks later...

I have my day in court tomorrow in Dumbarton to oppose the sist, have all the documentation ready (ie GLC info and the case in Inverness) Girl in the office says that they are granting all sists but i am still going in. Spoke to a guy in Greenock who said that the sherriff there had not granted the sist yesterday.

Its all so confusing why some do and some dont surely there should be a bit of clarity on this matter

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  • 2 weeks later...

Govan Law Centre has since written to the Sheriff Principal at Glasgow who has very kindly confirmed there is no Practice Note. Sheriff Principal Taylor advises that every bank charges case needs to be individually considered by the sheriff with regard to the particular facts and circumstances of the case. So there can be no 'blanket' stays in Scotland.

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