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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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      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.
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Hi there

 

Logbook loans = :???:

 

Wondered if anyone could give me any advice on the issues Im having with these at the minute.. I borrowed £1500 from them in Sept 2006 I have finished paying back the loan at the end of Sept 2007 however they dropped a bombshell on me that I still owed another £330 for letter and call charges.. So I set up a payment plan to re-pay back these charges at 55pw for 8 weeks.. equals approx £440!!! Dunno how they worked that out anyway I accepted and have paid back 4 and a half weeks so far of the payment plan. Ive actually managed to pay 2 weeks in one go so Im actually ahead of my plan.. £245 paid out of the £440 so theres me thinking OOoooo I only have £200 left to pay thats 3 and a half weeks left!!

 

Anyway I phone them today to make an additional £30 payment and I ask them how much I have left to pay and they tell me £300!!!!!! I question it and they say the orginal payment plan to clear the charges was set up incorrectly.. SO MY CHARGES HAVE GONE FROM £330 to £500 in a matter of 4 weeks!!!! I had a bit of a rant and rave with em on the phone and got myself into another payment plan of £52 over 5 weeks. So I said to the girl on the phone will that be it after the 5th week and she said NO!!! Ill still have another payment of about £20 to make for interest.. {but I cant take that seriously so I asked for it in writing) even though she said the reason my chrages had gone up to about £500 was the daily interest..

 

GRRRRRRRR... are they talking a load of Bull or what with these charges.. I dont really know where to go from here [srug]

 

Pwwwwwwwwwease help with any advice :-D Cheers muchly

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**Bump**

 

Bloomin 'eck! :eek: typical 343.4% apr!!

 

What have you asked them for in writing? I would request all info on this account, starting with the original credit agreement. It sounds to me like they are ever so slightly taking the p***

Hit the scales, you know you want to :p

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**Bump**

 

Bloomin 'eck! :eek: typical 343.4% apr!!

 

What have you asked them for in writing? I would request all info on this account, starting with the original credit agreement. It sounds to me like they are ever so slightly taking the p***

 

 

I have my agreement somewhere Im going to look for it and thought about going to see a solictor tomorrow.. what should I ask them for a breakdown of the loan from start to finish with a detailed list of the charges.. and what if they dont send, they have to by law right provide me the details??

 

edit: I asked them to put the payment plan in writing so they cant go back on there word again

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You really should challenge these charges in the same way that people have challenged bank / credit card charges, on the grounds of unlawfulness.

 

If you need a hand getting started just let us know and we shall assist!

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Guess what I cant find the agreement I signed

 

:mad: @ myself for losing it!!

 

While Im asking for all these things from them I still have to pay dont I?? Obv.. as it will be paid off by the time they respond no doubt but I still aint letting them get away with it..

 

So no agreement.. do I ask for the whole lot together with the letter stated above or is that 2 seperate letters? :???:

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You really should challenge these charges in the same way that people have challenged bank / credit card charges, on the grounds of unlawfulness.

 

If you need a hand getting started just let us know and we shall assist!

 

 

Yes please any help would be much appreciated.. I cant see a solictor I guess until I a. find my agreement or b. get a copy sent.. I dunno if they would be much help anyway

 

I did ring the ombudson today and they are sending a letter to them for me to ask them for a "final decision" Im not sure what that means?? :???:

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Guess what I cant find the agreement I signed

 

:mad: @ myself for losing it!!

 

While Im asking for all these things from them I still have to pay dont I?? Obv.. as it will be paid off by the time they respond no doubt but I still aint letting them get away with it..

 

So no agreement.. do I ask for the whole lot together with the letter stated above or is that 2 seperate letters? :???:

 

Don't worry about losing the agreement! I would lose my head if it wasn't screwed on :p

 

The S.A.R is all you'll need to request at the mo, as what they should send includes a copy of the original agreement.

 

There is a template here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html - adapt as necessay

Hit the scales, you know you want to :p

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Forgot to say...yes continue paying for now, it doesn't matter that you will have paid up by the time you get the info...you can still claim back unfair charges, etc.

 

LOL at my spelling btw! Necessay :o

Hit the scales, you know you want to :p

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lol @ your spelling dont worry about it dude and thanks for the template I shall be sending that off as soon as I can get to the postoffice for a postal order.. as long as Im helped with each stage Ill be fine :)

 

My heads been a right shed this afternoon since I spoke with them.. Im sooooo all over the shop.

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Well it is obviously more than 100% interest. "Extortionate credit" springs to mind. When you've got the details (and that agreement you are looking for - nudge nudge) we'll work out what the interest was. Might be "too high". Did the Bank turn you down? Asking for a reason - not being curious.

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Well it is obviously more than 100% interest. "Extortionate credit" springs to mind. When you've got the details (and that agreement you are looking for - nudge nudge:rolleyes: ) we'll work out what the interest was. Might be "too high". Did the Bank turn you down? Asking for a reason - not being curious.

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Assuming you've paid £3208 'ish so far.

 

That means that you paid simple interest of 113.6%. Giving an APR of

170%.

 

I think that's an extortionate credit agreement. And we haven't even finished yet as they're after extra charges!

 

The posts are mucked up as the dates are wrong. We have to wait until midnight to get right again...

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I think this one will get very interesting. Certain of it.

 

Errr - you say you've looked for the agreement. But, there's a 14 minute gap between you saying you were going to look for it and not being able to find it. I don't think you put a lot of effort in!!:)

 

Have a REALLY good look for that agreement as it could be very important!!

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You borrowed £1500.

1) How much have you actually paid back to date?

2) How much do they say is outstanding?

 

 

 

Right then phone call made and OMFGG!! :eek:

 

Ive paid them £3429.75 to date

I still owe them £260.90

 

:-x The loan Ive ever had in my life and the last one!!!

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This is your first ever loan? Why didn't you use a bank? (answers to both please!!!!) And.... did you find your agreement??? very important....

 

Yes my first ever proper loan apart from my mortgage..

 

Ive had credit agreements.. such as catalouges and such with companys before and my credit rating is too crap to go to a bank, but to be honest I was between temp work and I needed some money fast!! To help with my bills/ car insurance etc; wish Id have known then what I know now but hey ho you live and you learn!!

 

No I havent found my agreement yet :sad:

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I think this one will get very interesting. Certain of it.

 

Errr - you say you've looked for the agreement. But, there's a 14 minute gap between you saying you were going to look for it and not being able to find it. I don't think you put a lot of effort in!!:)

 

Have a REALLY good look for that agreement as it could be very important!!

 

Your right I didnt I was tired and mardy last night..I will have another go tonight :) I looked through a box of paperwork I have at home, I found one letter from them at thats all.. maybe it is somewhere else

 

I have just phoned them and they are sending me a statement of my account out in the post today, or so they say!!

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The S.A.R. should include more than statements, and you'll probably need to still request this as you want to see where charges have been added, etc. I assume you want to claim back any unfair charges? If so, the S.A.R is your best bet

Hit the scales, you know you want to :p

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You need to S.A.R - (Subject Access Request) and CCA them. (Subject access request - which means they have to print out out everything which is on their computers at the date they qet the request. CCA - Consumer Credit Act request which means they have to give you copies of all the paperwork on the loan). £10 and £1 payments respectively.

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You need to S.A.R - (Subject Access Request) and CCA them. (Subject access request - which means they have to print out out everything which is on their computers at the date they qet the request. CCA - Consumer Credit Act request which means they have to give you copies of all the paperwork on the loan). £10 and £1 payments respectively.

 

Ok thanks :wink: do you know where abouts I find the template for the CCA?? I have the SAR printed out ready to send.. I may as well save on postage and post them both together

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I'm not sure how to do this properly but look at this page and use post 15. (I'd change "we" to "I" though!). One postal order for £11 but don't put your signature on the letter (or anywhere). Recorded deivery at least. But best is guaranteed next day but slightly more expensive.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

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I'm not sure how to do this properly but look at this page and use post 15. (I'd change "we" to "I" though!). One postal order for £11 but don't put your signature on the letter (or anywhere). Recorded deivery at least. But best is guaranteed next day but slightly more expensive.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

 

Ok dude cheers for that.. Im curious as to why no signatures though?? :???:

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