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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.  
    • 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).
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Barclaycard and the DCAs


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Hi All,

Please can someone advise me regarding my current position with Barclaycard and their DCAs?

I fell into financial difficulty last year, and could not repay the full amount each month to BC (I offered a £10 interim payment). Mercers got involved and tried to get more from me. I could not pay any more, and then RMA got involved.

Paid RMA £10 a month but then started to receive bullying phonecalls and letters, which ended up with me following CAG advice, CCA'd them, no response, and stopped paying them, then reported them to the local TS and the OFT.

I set up payments (which I could afford, but below the min monthly repayment) again directly to BC, without them sending me any paperwork (used internet banking).

At the weekend I received a call from 1st Credit, saying that they were dealing with my BC account, and could I confirm my details, which I did not. They said that they needed to confirm my address in order to know if I received their letter (which I have not). I would not confirm this over the phone. I have continued to pay BC directly.

So now I am a little concerned, as I have no written paperwork from 1st credit and I have read about their devious tactics from other CAG users and OH had to deal with them before his BR, and they were not very pleasant!

If I am paying the OC, then where do I stand if 1st credit continue to chase me? Obviously I am not going to enter any dialogue over the phone, but if they are saying that they have sent me a letter, and then decide that they are taking things further, then could I be leaving myself wide open? Its not even as if I have a letter from them to correspond back to (did not keep OH letters from them!!!)

Please could someone assist me further? As I am trying to repay the debt with BC direct!

Thank you

Red

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A knotty issue there.

The problem as I see it is that B'card haven't acknowledged your payments.

 

Now technically as RMA have not responded to your CCA the account is in legal dispute and 1st Credit CANNOT demand any payments.

 

So to that end I would send them this, once their letter arrives.

 

Edit as needed

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be

resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

*- Delete as needed

Enjoy

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Be VERY careful whose advice you listen too

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I think that from what you have said CB, that i need to draft a letter to Barclaycard as well, as i have no contact with them for about a year directly. They are probably not aknowledging the repayments that i am making, or if they are, which they seem prone to doing, just dishing out my debt as they do not feel that i am repaying them enough!

At least then, BC will have something from me, explaining the story so far, and what i am prepared to do. Will scoot off to the NDL website for a little guidance!

And you are too modest!!! Credit where credit is due (LOL, I certainly wont be getting any credit - in a monetary sense hahahhahahhaha)

Red

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Today I have received my first correspondence from 1st credit, plus a text message.

Their letter states :

We write to introduce 1st Credit to you. Barclaycard has assigned to 1st credit the full outstanding balance due under the agreement referred to above, as a result of this assignment the full outstanding is due to 1st credit immediately.

As the outstanding balance is owed to 1st Credit you should not make any payments to BC as it will take significantly longer to process the payment into your 1st credit account...

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they then go on to say....

You should contact this office immediately so that we can agree payment terms with you, Failure on your part to dothis will result in a more formal recovery proceedings being taken against you.

In accordance with the DPA 1998, we will comply with any request for a copy of the personal info, about you that is held on our computer system, Send your request along with an admin fee of £5 and an sae to the above address.

please do not ignore this letter.

we look forward to hearing from you.

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Hi Shirei12, thank you for posting with your situ. :)

I wonder which one of us will receive the first reply! Are you paying any DCAs of BC at present or BC direct? Would be interested to hear your side of things too!

I sent my letter recorded delivery to the PO Box address.

Feels better to have sent the letter though doesn't it?!

Red

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Hi Shirei12, thank you for posting with your situ. :)

 

I wonder which one of us will receive the first reply! Are you paying any DCAs of BC at present or BC direct? Would be interested to hear your side of things too!

 

I sent my letter recorded delivery to the PO Box address.

 

Feels better to

have sent the letter though doesn't it?!

Red

Hi Red, Heres my story,

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/114828-barclaycard-non-exciting-default.html

and no I am not making any payments to anyone.I also sent letter yesterday by recorded-signed for. Lets see who gets the first reply and whether they will be the same.:D

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Hi again Shirei12, thank you for the link, I have had a quick read, and will post on your thread with anything relevant to your situ!!

I received a phone call and a recorded voicemail message to my mobile, did you? Bet you are feeling left out if you did not! LOL :D

I did not pick up phone, or reply. Will now have to send them a do not contact me by telephone letter. Trolls.

Out of all of my OC, Bshark have to be the absolute worst. I pay them, and yet they still seem to palm my account off left right and centre to DCAs who are rude and abusive (at best). I am definitley complaining tomorrow against them. They just don't play fair!!! A change in circumstances to them just gets their claws out.

Humphhhhh. Bit cross today!

Oh well......at least I have the CAG!!!:)

Red

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I have just printed off a copy of the harrassment by telephone letter, from the CAG templates library, ready to be sent tomorrow!

Boy do BC have a lot to answer for! And its not even as if that I am not paying them!!

Grrrrr

Red

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Hi Ya! Bc really are a nightmare aren't they? I've only just seen this thread and having read it makes me more determined to ring FOS as you advised me to do on my thread.

 

Are you going to send a CCA request to 1st Credit as well or are you going to wait for a response to CB's letter first?

 

Good luck honey ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Red as RMA have pooched your CCA you can legally cease payments to B'card.

 

Have you heard anything from 1st yet ??

Hopeful, it's best to wait for a response to my letter before we look at any further action.

Obviously this route only works when one collection party has ignored their legal obligation.

Be VERY careful whose advice you listen too

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Thanks for that CB. I've realised it's something that may be useful for one of my 'issues' ;)

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I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi CB, ODC and Hopeful1!

I have decided to continue to pay BC, as I do owe them the money, and if BC decide in their infinite wisdom to try and take things further (charge on property etc) then I feel that I have a better leg to stand on!! I have only CCA'd RMA after they started to throw their weight around, so seeing as no CCA has been produced in their instance, then I agree ODC, 1st credit are unlikely to produce one either, but I still feel that I want this debt repaid, but its a case of as and when funds will allow, rather than not at all.

I will not be sending 1st Crudit a CCA request at this stage! I think that the letter that CB has kindly posted and which i have sent will state clearly that this formal request has not been adhered to!

My gripe really is with BC and their attitude, and insistance of using DCAs to do the collections, hence my FOS line of thinking!

I am pleased hopeful1 that you are thinking the same, as BC really are backstabbers!

Facts yes I borrowed the money, and yes i was really well off at the time of credit and sucessfully paid them my full monthly amounts and sometimes more. Then I had the misfortune to be unable to pay, but sent my cut up card back, did not borrow any more money, and explained to BC my predicament. BC did not want to hear my troubles, so keen to lend with one hand and then slap me with the other! My personal details have been distributed to all and sundry, while I have tried to pay what i can afford.

Am so cross with them, and hope that the FOS will understand.

my ideal solution would be that BC accept that i am undergoing a difficult time, and to respect that fact, and not to keep insulting me with threats from their MIB!

Grrr!

Red

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I agree with your stance her Red and it is very similar to my own.

I use my knowledge to have accounts passed back to OC's for action as I refuse to pay a DCA anything.

 

DC have passed my account to FOUR DCA's so far and NONE have supplied my CCA.

The really annoying thing is that BC owe me about £20 more than the outstanding balance, but they refuse to act in a considerate way.

 

Oh well this ones quite a game and to be honest I want one of these DCA's to take me to court as it will cost them dear ;)

Be VERY careful whose advice you listen too

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Thank you CB, all we want is to be fair, shame that it cant be reciprocated by the big guys!

I just get disheartened when another DCA jumps on the band wagon, and I spend my precious time sending letters, when all I want to do is to pay what is owed, without wanting to feel like I am a bad person by these trolls!

Ho-hum, I will deal with the DCAs and see them off one by one CB! You are a great example, and an inspiration!

Red

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Job Title: NegotiatorSalary: Annual Basic Salary plus excellent commission and benefits.Job Description:

As one of the foremost companies in the UK credit collections services industry, 1st Credit delivers ground breaking solutions to their clients.

 

You will be responsible for contacting our clients’ customers and arranging payment of overdue accounts.

 

We are currently looking to recruit highly motivated, tenacious and confident individuals who have a flair for problem solving. In addition you will need to have a professional telephone manner, an ability to communicate at all levels and good keyboard skills.

 

Saw this and had to share. A career prospect with 1st Crudit

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Job Title: Negotiator PAIN IN THE BUM Salary: Annual Basic Salary CRUD, ALTHOUGH EXCELLENT EARNING POTENTIAL FOR EVERY PERSON YOU SQUEEZE A LITTLE MORE MONEY OUT OF plus excellent commission and benefits BEING AS NASTY AS YOU CAN, WITHOUT THEM BEING ABLE TO RETALIATE.Job Description:

As one of the foremost companies in the UK credit collections services industry, 1st Credit delivers ground (READ KNEE) breaking solutions to their clients.

 

You will be responsible for contacting (READ HARRASSING) our clients’ customers and arranging (HIGHLY INFLATED) payment of overdue accounts.

 

We are currently looking to recruit highly motivated, tenacious and confident individuals (AND IF YOU UNDERSTAND ANY OF THESE WORDS, THEN YOU ARE TOO INTELLIGENT TO WORK FOR US) who have a flair for problem solving. In addition you will need to have a professional telephone manner (AS LONG AS YOU DONT USE IT AT WORK), an ability to communicate at all levels (SWEARING ACCEPTABLE) and good keyboard skills.

 

Saw this and had to share. A career prospect with 1st Crudit

 

Sorry guys, just could not resist!

Red

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15!!!! omg CB, that is a huge score! I think that you will go unchallenged withing CAG circles as being the highest ranking DCA killer (in a non-violent way of course!)

last count it was 6!

you bin them quicker than they spring up!

Are there any DCAs you have not had the "pleasure" of dealing with.

Great work CB!

Red

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