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    • 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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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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Hillesden Securities/ DLC YB OD Charges debt


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Hello everyone.

It's my first post on the debt forums so please be gentle with me.

I had pneumonia two years ago and got in arrears with our payments.

We couldn't catch up with back payments and have started a DMP with the CCCS.

Everything was going fine then out of the blue we received a letter from Direct Legal & Collections saying we owe £177.68 to Hillesden Securities.

The debt is to the Yorkshire Bank for charges added when we went overdrawn due to a banking error but the Yorkshire Bank wouldn't accept this.

This is from 2005.

My question is do we now owe the money to DLC or Yorkshire Bank or whoever?

I received a letter this morning from Aplins Solicitors threatening legal action.

What's our best plan of action.

Thanks in advance.

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Firstly NEVER talk to these "people" on the phone as they will say anything to secure payment.

Second get a S.A.R - (Subject Access Request) into YB and start the charges reclaim process.

 

Next for the DCA's time to inform them that you are disputing the "debt" with the bank and as such they should hold any action against you.

 

Try this:

 

ACCOUNT IN DISPUTE

 

Dear Sir/Madam,

 

Your ref:

 

 

Thank you for your letter of **DATE**, the contents of which are noted.

 

 

I am disputing the total value of these debts with **BANK** due to unlawful and unreasonable charges. As such, therefore, I consider this account to be in dispute and no further action shall be taken until this matter is resolved.

As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

 

This process may take some time, due to the Office of Fair Trading's test case, but I will try to expedite this issue as a matter of urgency.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

Good luck and keep us posted.

Be VERY careful whose advice you listen too

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  • 2 weeks later...

Received a letter today from DLC thanking me for the letter disputing the outstanding balance.

They go on to say that the dispute should be taken up with the Yorkshire Bank, which I already have done.

To draw the matter to a close they will accept £133.26 in full and final settlement.

The Yorkshire Bank reserves the right to pursue any other borrowers for the remaining balance.

They then ask for the remittance by 23/11/07.

What,if anything,do I do next?

Thanks in advance.

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They never give up do they? Recieved a postcard today from Hillesden Securities asking for me to ring them to arrange for one of there representatives to call.

Should this be filed with the other stuff?

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Hello everyone.

It's my first post on the debt forums so please be gentle with me.

I had pneumonia two years ago and got in arrears with our payments.

We couldn't catch up with back payments and have started a DMP with the CCCS.

Everything was going fine then out of the blue we received a letter from Direct Legal & Collections saying we owe £177.68 to Hillesden Securities.

The debt is to the Yorkshire Bank for charges added when we went overdrawn due to a banking error but the Yorkshire Bank wouldn't accept this.

This is from 2005.

My question is do we now owe the money to DLC or Yorkshire Bank or whoever?

I received a letter this morning from Aplins Solicitors threatening legal action.

What's our best plan of action.

Thanks in advance.

Now this just plain annoys me. DLC and Hillesden are the same company. So why do they do this? More importantly, how do they get away with it?:evil:

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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I think there tactics are to try and frighten people into paying something they can't afford. They'll have to try a hell of a lot harder to frighten me.

If I get a house call from one of there representatives what's the legal position?

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Is this a bought debt ?

 

The client willl be Hillesden Securities Limited and the agents are DLC acting on their behalf.

 

Either way, write back and state you dispute this balance.

 

Request a copy of any deed of assignment, a copy of your agreement under Consumer Credit Act (ask me further questions if not sure).

 

Have you considered making a claim for default bank charges applied to your account ? There is currently a test case which means the banks are no longer paying out. However, this should give notice of your intention to Aplins who may decide against selecting your account for suing as excessive default charges are not enforceable in the county court.

 

Let me know if you require further information / advice ...

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Tom

 

Should you receive a visit from a field agent - dont worry.

 

They do not have any powers of enforcement.

 

Only court bailifs are able to enforce payment and for that to happen you first have to have a CCJ. Even in the event of a CCJ being given against you when Bailifs are involved you simply contact the court and complete form N245 which will grant a new order which may work in your favour payment wise. Any further info required, let me know!

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Update and advice please.

Received a telephone call this morning from DLC.

Told them the account is in dispute and they have received a letter a stating the fact.

They informed me that the account now belongs to them and I owe the money to them.

Told them not to phone me again but he said they can't do that because the calls come from a call centre!

He said if I don't come to an arrangement with them legal action would be taken and a default issued and further costs added.

Told him I would take further advice and put the phone down.

Where do I go from here please?

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Contact DLC and request they remove your telephone number. Then request they note on your account that you have made this request. Ask them to confirm this has been done. Should they challenge this, refuse to discuss this with them. They are obliged to remove your telephone number at your request.

 

They are not allowed to state legal action will be taken... this can be taken as a threat. The correct term they should be using would be "legal action MAY be taken".

 

If your account is in dispute they shouldnt add on interest.

 

It is up to you to pick a fight with DLC now and not allow them to bully you.

 

As they are now legal owners write into them requesting a copy of your original agreement under CCA with a £1 payment. Request that they provide you with a copy of the sale agreement detailing any legal rights they have.

 

Any problems let me know !

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Letter signed for on 17/11/07.

Received a letter dated 16/11/07 this morning stating that they " intend to serve a Statutory Demand under section 268(1) (a) of the Insolvency Act 1986. If the above sum is then not paid immediately you could be made bankrupt and your property and goods taken away from you.

This course of action can be avoided if you contact us within the next three days with your realistic proposals for settlement".

Can this be filed along with the others?

I will fight all the way but the other half is very worried.

Any more advice please?

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Throw this at them.

 

Formal Complaint

 

Dear Sir/Madam,

 

With reference to my previous letters, I wish to draw you attention to your company's lack of compliance with my legal request.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8.

You have failed to comply with request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.

 

As you may not be aware , failure to comply with this request within 12 working days renders the alleged debt UNENFORCEABLE in law. Furthermore, if this non-compliance continues for a further month then a summary, criminal offence is committed.

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

 

The lack of a compliant credit agreement is a very clear dispute and as such the following applies.

 

* may not demand any payment on the account, nor am I obliged to offer any payment to you.

* may not add further interest or any charges to the account.

* may not pass the account to a third party.

* may not register any information in respect of the account with any credit reference agency.

* may not issue a default notice related to the account.

 

Therefore this account has become unenforceable at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours Faithfully

Be VERY careful whose advice you listen too

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Don't forget those OFT guidelines - 'False representation of authority and/or legal position'

 

2.4(b) Falsely implying that action can or will be taken when it legally cannot, for example, referring to bankruptcy or sequestration proceedings when the balance id too low to qualify for such proceedings or claiming a right of entry when no court order to this effect has been granted.

 

Muppets! ;)

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Recieved a letter this morning from Hillesden Securities thanking me for my recent letter.

They are unable to supply a copy of the original agreement at the moment and if they are unable to do this they will supply a true copy of the document which will comply with section 77 of the consumer credit act 1974.

They also have sent me a copy of the key pages of the sale agreement but are not able to supply a full copy because the information is commercially sensitive, however, they would supply a copy to a judge in court.

They will update me on developments in 21 days.

Where do I go from here?

Thanks in advance.

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You could Report them to T/S

 

email this lady at northampton T/S.

 

She is very good and is gathering evidence to take the case to OFT

 

[email protected]

 

Click here for great help:razz:

http://www.consumeractiongroup.c o....hat-youre.html

 

http://www.consumeractiongroup.c o....i-dummies.html

 

If I have helped please give the scales a press.

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