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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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 4) 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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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.

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Halifax loan under Kensington DMP, now Robinson Way chasing


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CHEERS FOX

 

A different DCA (blaire & Oliver ) initially agreed a £80 repayment Sceme month which myself and Citizens Advice done with a Financial Statement. Then next thing i know Robbers way are chasing it ???

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That's how they work Tally :)

As soon as they net a "payer" they lull you into a false sense of security then move you on to another DCA to try and up the payments.

Stick to your guns about what you can afford, and keep on keeping it in writing.

Don't let they're b******t panic you. Stay cool and firm and they'll move on to easier prey. ;)

Elsa x

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Tally 69

If you start sending them a token payment of £1 per month then you are showing that you are not ignoring them. They will complain and write to you (or phone) and tell you to pay more they are not accepting the amount you have offered. then ask them for it in writing. Set it up a a Standing Charge (Not Direct Debit as they can vary this, where a standing order can only be changed by you.)

 

If you are getting phone calls that are making your life unbearable, call your supplier (BT for example) explain that you are getting nusience calls and you wish to have your number changed because of this, they will do it immediately and there is no charge for doing it. The only draw back is that you then have to notify the people who you want to have it. (but obviously NOT the finance companies or debtors). But it at least takes the pressure off you at home with regards to getting calls.

 

These people want their money will send you letters asking for you to call them as they have something to discuss with you about your account. "Under NO CIRCUMSTANCES call them," do EVERYTHING by post and make sure that is recorded delivery. If you do phone them, then the make it from a call box, their computers will record the number you call in on and then they will keep calling that number (shame if its a call box).

 

I did this and at least don't have the annoying calls now...

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Offer them a Token payment of £1 a month at the present time. You have to sit down and be fair to ALL your creditors. You must be fair to them all, not showing any favourtism to any one in particular.

Exactly what have you said to the Ombudsman, are you asking him to say how much you should pay them? You should be working with the CAB or similar organisation (not one paid by the creditor) and work out all your debts and split your available money fairly between them all. If one creditor finds that you are not paying them fairly they can take you to court to get a formula worked out by the courts office, and they do not work in your favour. (I know I had it done to me when I first got problems with Northern Rock and we were left with stuff all to buy food with.)

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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You said earlier that you didnt think the CAB were your best option, I would be inclined to go to one of the "FREE" companies to help you. Your circumstances have changed dramatically and you need to get all this under control. Don't offer them £20, just make a token payment of £1 (this is what I was adv ised to do on Monday this week when I went to a Legal Debt organisation, they then can not accuse you of not paying anything.

You have to get on top of this asap as this will help you mentally and not affect your relationship at home.

 

 

 

It doesn't matter what you pay them they will still ask for more, but if you haven't got it, they can't have it, and will look very silly if they try and take you to court after working it out with a reconised organisation like PAYPLAN or CCCS like Silverfox suggested.

Edited by keefyboy
added final sentance

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Hi Silverfox

Please dont think I am trying to hijack the help you are giving Tally 69, just trying to make them understand how important it is to work a payment plan.

 

KB

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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I have 5 creditors in total.

I done a financial Agreement with CAB and sent it off to the creditors.

3 ov them are being paid,

1 i haven't heard from and then theres halifax.

 

. At the tyime Blair & oliver had the debt and we arranged a £80 payment to them.

Then heard nothing till Robbers way got in touch ? ?

 

Should i send them a CCA letter and a doorstep letter or sit and wait ?

 

Kensington are a debt management company and i thought they would help. But didn't really. So not sure if i trust management companies TBH

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I'd send them a CCA request and the doorstep letter and reiterate that this account is clearly in dispute awaiting adjudication by the Financial Ombudsman. I personally wouldn't offer them any payment until they prove the debt, but it's up to you.

Mainly you need to try and relax. Even if they did turn up, (which I seriously doubt-they rarely do) just stop them in their tracks (hold up your hand, say "Let me stop you right there-and give them the doorstep letter. Tell them to read it OFF your property and firmly close the door.) They can't come in. They can't take anything. They HAVE to leave if you tell them. End of.

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Seeing as BOS are "Halitaxs" in house DCA if they have sold it on to "Robbers Away" it probably proves its a real lemon and they might not have the paperwork to even enforce it ;)

"I am no Solicitor but deal with REAL hard case lawyers everyday, this gives me the strength to deal with the lightweight idiots that are thrown at me everyday by DCAS :D"

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I'm Confused :confused:

 

After being harrased by Robbers way and recently receiving a letter mentioning a Doorstep call i have received a letter this morning from HALIFAX saying basically my accounts in arrears yet if im making any payments to continue as i am. I'm not paying a penny yet, Waiting for a call back from CAB see what they say. Does this mean Robbers way aint got this Debt ? :confused::smile:

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Thats the attitude to taken with these people, they are scroungers, they buy these accounts off the major companies for a pittance and then threaten you silly with everything to try and get you pay up so they can make a profit from it. If that means breaking a few rules or laws on the way they don't care...

KB

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Well thats more or less what CAB said.. Computer generated letters and idell threats, If they turn up i have a Doorstep call letter printed out ready and i shall tell them to go forth and multiply ha ha :lol:

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Well thats more or less what CAB said.. Computer generated letters and idell threats, If they turn up i have a Doorstep call letter printed out ready and i shall tell them to go forth and multiply ha ha :lol:

 

 

that and a good bucket of slappy cow dung to throw over him as well of course

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QUICK QUESTION PPL

 

When i come to pay these how do i go about paying. Monthly i want but i dont think Direct Debit would be a good option ? :confused:

Edited by tally_69
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Hi Tally 69

Just do nothing, and don't jump the gun about how to pay them. Deal with that "If & When" you have to.

 

Do NOT under any circumstances set up a Direct Debit, as they can change the amount that is taken from your bank without you knowing, and their answer when you contact them about it is " oh the letter telling you of the change of amount must have got lost in the post" (No wonder Royal Mail is backed up so much, its all the DCA letters that have gotten lost).

 

You can set up a Standing Order, they can not change that under any circumstances, you control it. So if they demand £10 and you have worked out the figure, being fair to all your creditors, is £1 then you set it up to pay £1....and they have to accept it.

 

But just wait until the Ombudsman makes he's decision. They will have to abide by it, I dont know what your grounds of the appeal, but just wait,

we are all the same on here, most of us in exactly the same circumstances as you, and we know it is a slow process, (it took the ombudsman 9 months to decide on mine) so just wait and worry about these little things later when you have an answer.

 

As the CAB have told you, most of these letter are computer generated and the purpose of them are to frighten you into paying, and it works in a lot of cases because people don't know about sites like CAG who can help them get justice....

 

So don't get worried, do as you are doing, if you get a letter and are not sure on what to do with it, post it on here and we can advise you what to do next. Also, you don't have to answer these letters straight away, they can go to the bottom of the pile and dealt with when you get to them.

 

One of the main things is you must treat "all" your creditors the same way, because if you don't then one is bound to find out and cause all sorts of grief for you. When you get to that stage after the decision from the OMb's then we can guide you through the process in dealing with them fairly.

 

KB

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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RIGHT UPDATE

 

Looks like Robbersway have passed my debt onto a company called

 

HORWICH FARRELLY SOLICITORS

 

Anyone heard of this company before..

 

What do i do now

 

Info please :rolleyes:

 

Just read through Letter, Website www.robway.co.uk

Sounds alot like robbersway lol

Edited by tally_69
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