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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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me v booker managent service


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Hey all I really need some advice.

 

I received a letter from booker Management Services Limited with regards to a CCJ that I received in 2003 from Barclays Bank for £2209.05.

 

They are asking me to discuss payment of the account.

 

Theres also another page saying that the debt was sold to HLCF Limited on the 20th Nov 2006 saying that BMS have been appointed by HLCF to administer the account on there behalf.

 

There is also a letter on Barclays headed paper saying that the debt has been sold to HLCF Limited a d Bookers are a management company dealing with the debt and all correspondence on there behalf.

 

The debt relates to my old student bank account and sadly due to on going depression I got myself into a big mess.

 

I am in the middle of immigrating. I do not own any assests also.

 

Yes the debts mine hands up. Sadly there is alot of unlawful bank charges in there.

 

Can someone please advise me what to do next?

 

Can I still cca this debt?

 

Thanks

 

HM Murdoch

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CCA and S.A.R them. You will then find out if there is a CCA and how much the bank charges are.

 

U will need the teplates letters for the cca it is letter N

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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stupid me i forgot to add the link.

 

Creditors and DCAs - Letter Templates & Budget Planner

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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i do believe that there are different rules where a CCJ has already been granted.

 

im afraid i am no expert with CCJ's i think tomterm8 has knowledge in this area it may be worth sending him a pm,

 

i do know that once a CCJ has been obtained the CCA request would not work as the CCJ has been granted and the account/agreement is cancelled, however from my understanding you can apply to have it set aside, but like i said im not an expert in this area

 

Regards

paul

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Hi, i got called over here about three minutes before the site was supposed to go down.

 

 

 

i do believe that there are different rules where a CCJ has already been granted.

 

im afraid i am no expert with CCJ's i think tomterm8 has knowledge in this area it may be worth sending him a pm,

 

i do know that once a CCJ has been obtained the CCA request would not work as the CCJ has been granted and the account/agreement is cancelled, however from my understanding you can apply to have it set aside, but like i said im not an expert in this area

 

Regards

paul

 

Life becomes more complicated when a CCJ has been granted. A whole host of questions and legal issues start up. Firstly, the absence of a Credit Agreement can still have some legal force; for example, where interest after judgement, or further enforcement actions not based on the judgement are intended.

 

However, the practical answer is that, very often unless a signed copy of a credit agreement is produced that is provably unenforceable, or some evidence that the credit agreement was unenforceable at the time of judgement, the mere lack of a credit agreement isn't going to get you very far.

 

My own experience is that the cases I've had success in getting a set aside fall briefly into three categories:

 

1. Cases which were filed in default, where the application to set aside is timely.

2. Cases where i can show, at the time the CCJ was issued, that it was issued in error.

3. Cases where there were relevant legal facts that were unknown at the time the CCJ was issued.

 

In particular, some success for some people has occured in getting CCJ's partially set aside on penalty charging arguments, although under the current circumstance it is likely that any application on those grounds would be stayed.

 

However, as a default situation it is often better, if you owe the money, to accept that you have a CCJ and get on with your life. getting a case set aside where you have no defence to a substantial part of the claim can actually hinder you with getting the rest of your life together.

 

For example, CCJ's fall off your credit record after 6 years. You've already had this CCJ for three years; if it was set aside, then a new CCJ awarded, you would start the clock rolling for an entire new 6 year period.

 

EDIT:

 

I notice that you mention "student bank account", and I presume that means overdraft. As you know, overdrafts are excempted from most of the part V requirements in the CCA (e.g. they don't need your signature, and the form of the credit agreement is very much less rigorous).

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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thanks for popping in Tom

 

im hopeless with CCJs

 

Regards

paul

 

Hi Paul, CCJ's are difficult, aren't they? By definition, the burden of proof shifts from the claimant to the defendant, and since you've already lost once, it is likely you will lose the second time.

 

It is easier with default judgements, but even then the court will only set aside the CCJ if there is a reasonable case to answer, and the longer you take to apply for the set aside, the harder it is. After three years, it is very, very difficult. Not impossible, however.

 

Personally, I suspect that if the OP has debts less than £5,000 in total, he might be best going for an administration order, with associated composting order.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Thank you for you reply Tom

 

Its a tough one to me to work out.

 

I don't own a home or have any assests.

 

I do not work as I am on incapacity benefit due to my last job at the same bank making me so ill.

 

If the debt has been sold does that mean that the owner of the debt can take me to court again and get a new CCJ? Which would last for another 6 years?

 

An adminstration order does seem a possibilty.

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Thank you for you reply Tom

 

Its a tough one to me to work out.

 

I don't own a home or have any assests.

 

I do not work as I am on incapacity benefit due to my last job at the same bank making me so ill.

 

If the debt has been sold does that mean that the owner of the debt can take me to court again and get a new CCJ? Which would last for another 6 years?

 

there would be very little point... if they have a ccj, it is within the 6 years for enforcement action. They might bring another case in a year and a half to keep their rights active.

 

An adminstration order does seem a possibilty.

 

If you have debts less than £5,000 and administration order with subsequent composting order could be the best thing for you.

 

You should be aware that emegrating to another country doesn't generally stop people enforceing a CCJ... because it is possible to enforce a british CCJ in most jurisdictions (especially europe)

 

Of course, if there is an installement order, all you need to do is follow that installemnt order, even if they want to discuss you repaying the debt.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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