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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.  
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Jonathan VS Student Loans Company


thepeopleschoice
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I left university 15 years ago (1992) and now I arrive home to a message on the answer phone asking me to contact the SLC.

I only had a small loan and as I moved often and was on a low income I never contacted them or deferred, paid, etc.

I want to avoid any adverse credit rating, so what should I do?

Thanks Jonathan

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As it's an "old style" student loan, regulated under CCA1974, I believe the debt will be Statute Barred as you state you've had not contact with them, and hence not acknowledged the debt, for over six years.

 

Have you made any payments to them in the last six years either? If you have, that counts as acknowledgement in itself, so it wouldn't be statue barred.

 

In any case, for the momemt, do not admit or acknowledge the supposed debt to SLC.

 

I'm sure someone will correct me if i'm wrong on this one.

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As it's statute barred, although the debt still exists, it cannot be enforced.

 

They are fishing for you to take a bite and acknowledge the debt, as they no doubt know that it's unenforceable. Once you acknowledge the debt, the clock starts ticking again.

 

See this thread.

Wait until they send written confirmation of the loan, and send them the Statute Barred letter in that thread.

 

As for your credit rating, it shouldn't be affected - i believe Student Loans (old-style ones at least) don't go on your credit file (i never seen my student loans on my credit reports), and i'm sure they can't issue a CCJ or instruct DCA's once the debt is statute barred.

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Has anybody sent a statute barred letter to the SLC or any of the debt collection agencies? It would be very interesting to see the reply. I have read that SLC try to wriggle out by stating that student loans come from public funds and are exempt from statute barring. Although I have never found anything on the web to confirm that statement. I had a nervous breakdown shortly after leaving university in 1997 which led to me being made homeless. I have been on sickness benefits ever since. It is only until recently that I have been well enough to piece my life back together. I have just moved into my own flat (at last!) My boyfriend has told me not to put my name on the electoral register as the SLC will track me down and demand a huge lump sum and interest. I have not been in contact with them. Do I have to pay anything? Does the SLC have an exemption from statute barring?

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Pre 1998 (old style) DO NOT SHOW ON YOUR CREDIT FILE!!!!

 

student loans were not suject to status and you did'nt give them permission to credit score or report on you...

 

...unless they get a CCJ, this is because all CCJs are shown on credit files.

 

its barred by LAW send them the letter and forget about these fools...:lol:

 

my 1993 loan is barred....:lol:

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  • 2 months later...

Now the SLC has sent a letter.

 

They want me to pay the full amount within 7 days?

 

or "my account being passed to your local court whereby we will commence enforcement of the existing Country Court Judgement, registered against you on the 11/05/94."

 

What should I do? In my job I can't afford a CCJ against my name?

 

Thanks

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I too would like advice on this. I am in a similar position. I left uni in 1995 and owe just over £1000. The last I heard from the SLC until recently, was in 2001 when they threatened court action and requested details of my earnings etc.

 

Not wanting this to happen I sent them all the information they requested. The DAY AFTER I did this I received a court summons! They hadn't even given me time to reply before they went ahead. I went to the CAB for advice and they said there was nothing I could do about it. I was off work with stress at the time and I really can't remember what happened next but I didn't pay anything and the summons wasn't enforced. As I say, I haven't heard anthing until now.

 

Over the past couple of months I've had letters threatening legal action and then yesterday, I came home to find a message from a Glasgow legal department asking that I contact them as a matter of urgency. It can only be the SLC as I have no other debts. Where do I stand now? Will they go to the courts? I'm 52 and in receipt of Incapacity benefit. I left work in February this year do to stress and depression.

 

Many thanks

lunagirl

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peopleschoice- you said there was no CCJs on your credit record- unpaid CCJs stay on it forever.

 

They claim they registered one against you on 11/05/94.

 

They are talking BLX- they are lying and trying to panic you into acknowledging the debt, which you do owe, but which is unenforceable.

 

You say you couldnt keep your job with a CCJ and that nothing shows up on your credit report.

 

According to SLC, you've had one since 1994.

 

Think about it...

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Is it over six years since you actively acknowledged the debt?

 

If so the debt is now statute barred. They cant enforce it unless you acknowledge it. They can ask you for the money back, but not harass you.

 

You need to send them a letter stating that you are aware that the debt is now statute barred and you do not acknowledge any debt to them.

 

There is a template letter for this somewhere, I'll try and find it.

 

In the meantime do NOT pay them or admit you owe them any money.

 

When they ring do not talk to them or confirm your name or address, just put the phone down and make a note of the times of each call.

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Amend as necessary

I DO NOT ACKNOWLEDGE ANY DEBT TO SLC

Dear Sir/Madam,

 

Acc/Ref No 1xxxxxxxxx

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

 

I would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

I would also point out that the Office of Fair Trading say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

Your last communication is a notice of intent to issue a county court claim.

 

The OFT guidance states that you should not attempt to mislead me by saying you may take legal action against me when you cannot.

 

The FraudAct2006. “Fraud must give a gain of money or property”

The Act creates a new general offence of fraud with three ways of committing it, one of these is:

  • Fraud by false representation

Section 2 Fraud by false representation

(1) A person is in breach of this section if he-

(a) dishonestly makes a false representation, and

(b) intends, by making the representation-

(i) to make a gain for himself or another, or

(ii) to cause loss to another or to expose another to a risk of loss.

(2) A representation is false if-

(a) it is untrue or misleading, and

(b) the person making it knows that it is, or might be, untrue or misleading.

(3) "Representation" means any representation as to fact or law, including a representation as to the state of mind of-

(a) the person making the representation, or

(b) any other person.

(4) A representation may be express or implied.

(5) For the purposes of this section a representation may be regarded as made if it (or anything implying it) is submitted in any form to any system or device designed to receive, convey or respond to communications (with or without human intervention).

 

Your letter dated xx/xx/xx in which you state that you are preparing papers for court to be served upon me is a breach of OFT rules and the guidelines of the Civil Court Users Association, of which you are a member. The letter is also an attempt to enrich yourselves by making a false representation in that you may use the Civil Procedures to take action against me. Such behavior could be fraud as defined above.

 

I await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

If you continue to harass me I will take action against you in the County Court for damages, and costs in dealing with this matter.

 

I will also lodge a complaint with the OFT, Trading Standards and the Financial Ombudsman. Whilst I appreciate this would not deter you from your potentially illegal actions there is the chance that if enough consumers make valid complaints you may get your Consumer Credit License revoked.

 

Additionally you are required to remove any default or registration with any credit reference agencies which you have made. If you fail to comply with this within 28 days, I will take action in the County Court against your clients for breach of the Data Protection Act.

 

Finally any attempt to use civil procedures to obtain monies from me will be vigorously defended as an abuse of the legal process. A counterclaim for damages will be issued together with a claim for full costs.

 

I look forward to your reply.

 

Yours faithfully

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Noomill060 - again, thanks a lot for replying to my posts and posting the letter too, much appreciated.

 

The last time I heard from SLC was around August/September 2001 (I think! It was definitely around this time anyway) They were requesting evidence of income which I did send them. They said that they had a court summons against me but this has never shown up on my credit file and also, I haven't heard from them since.

 

The day before yesterday, I received a letter dated 30th Nov from Mackenzie Hall headed 'Final Notice' requesting payment by a deadline which the client (SLC) would prefer to be 'amicable' which reads: 'Our clients are unaware of any legitimate reason for non-payment.....and they will not hesitate to take such further action as may be appropriate'.

 

There is no specific mention of any legal action so I wonder what the 'further action' may be? Could it be that they are just pushing it to see what my response may be?

 

Kind regards

Lunagirl:)

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Muckhall can't lunagirl. This is just scare tactics. Don't worry.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Would it have definitely shown up on my credit file if they have had a judgement against me or only if they had enforced it? If they didn't then, could they do so now? I'm not quite sure how these things work so I'm sorry if I sound a little uninformed.

 

If they did decide to send in bailiffs, would they just turn up or tell me they were going to do this?

 

I'm panicking again now because I'm sure I remember seeing court papers but am really puzzled as to why nothing has ever shown up on my credit file. Would it still be on there now?

 

Many thanks

Lunagirl

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Lunagirl

 

Stop panicking!

 

And please tell us more. What court papers? Unlikely, imo, that Muckhall would be the agents of any court. These guys are a bottom feeder DCA best known for chasing very old debt. If it's over 6 years without a acknowlegement or a CCJ then it's statute barred - so you still owe it, but it cannot be enforced through the courts.

 

So - deep breaths. Whatever the scenario, there is someone here to help you.

 

Tell us your story - what is the debt, what is the timescale?

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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