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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).
    • 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?  
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Barclaycard and the DCAs


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Well I don't have any left.

I think they have been reading my threads and decided not to even start ;)

Those bloody guests again! Indirectly though you have prob seen off loads of DCAs, you have helped with at least two of mine! And I am one of many! ;)

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Ok! I have a little update. Firstly Hopeful1 - excellent news (will pop over to your thread in a mo!) Job done here too!

Spoke to the wonderful FOS this afternoon, and explained my treatment from BC, and their DCAs.

The FOS are going to write to BC on my behalf, as they do not feel that BC have been sympathetic to my cause, and that although i acted pro-actively BC have caused me stress by insisting upon using DCAs (which they are entitled to do, according to FOS if they want to!), and not accepting my offers of payment (even though I have paid them anyway!).

Will find my notes from my tele con shortly for the correct terms, but you get the gist!

Am pleased, FOS are so helpful and compassionate. Ten out of ten!

Reference number at hand now!

Red

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Oh and I forgot to say that although the lovely (ahem) 1st Credit did not phone or text me today, I have sent a letter re tele harrassment, recorded 1st class!

Shame I did not have the FOS reference number at that point, but it can wait until the next correspondence!

;)

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About to send CBs letter from above, and there are a number of points in their letter which I will comment on shortly!

Let the fun and games begin!

Red

Hi Red got my reply today have put the contents on my post. It will be interesting to see if your reply (if you have got one yet) is similar to mine:mad:

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Ha ha shirei, you are reading my mind! And in a way you have read my mail as well, cos I got the standard "your account is in dispute, we will contact BC" letter too!

They can have the month in order to look into it, infact they can have two, or more! I am paying BC what i can afford, so they can want all they like! In your case, I think it plays into the CCA request quite nicely, as by the time they have looked into it, they will have defaulted (oh, yes of course unless they decide to find and comply with your request!).

So I think that it is a great letter!!!

Red

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Also, forget to say that i have received my FOS confirmation of my complaint against BC. The FOS have already written to BC on my behalf, and have advised me to write to BC myself advising them of my formal complaint to the FOS.

I should receive a final response in the next 8 weeks, say the FOS.

If by then the matter has not been resolved either by BC not replying or by not put things right (ie stop using DCAs), then I can continue again with my complaint.

Very impressed, and now need to send BC a little letter!

Red

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Also, forget to say that i have received my FOS confirmation of my complaint against BC. The FOS have already written to BC on my behalf, and have advised me to write to BC myself advising them of my formal complaint to the FOS.

I should receive a final response in the next 8 weeks, say the FOS.

If by then the matter has not been resolved either by BC not replying or by not put things right (ie stop using DCAs), then I can continue again with my complaint.

Very impressed, and now need to send BC a little letter!

Red

 

That's good news. FOS were quite keen for me to let Barclays know that they were involved, which they haven't told me to do before.

 

I've found in the past that FOS do stick to their deadlines which is good. Let's hope all this waiting is worthwhile.

 

:rolleyes:

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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Totally agree Hopeful1, FOS do a great job, and are so helpful.

I am looking forward to sending BC a letter advising them of the FOS involvement....;)

Everywhere I look at the moment in the general debt forums, BC come up again and again..or maybe I am just so tuned to them at the moment that it just appears to be that way!

Its a nice feeling of slight power with the FOS backing, what do you reckon Hopeful1? :)

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Onwards and upwards Red! It's amazing how simple something like making a complaint to FOS can make you feel so much better :D

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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BC have told me they want to end my dispute swiftly, Red. So they can't be as bad as all that.

 

Oh, wait. It's taken them about 5 weeks to write that, and promise to get back to me by 10th December. Hmm, doesn't seem very swift from where I'm sitting. Maybe they ARE as bad as all that after all. :D

 

Attagirl. ;)

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BC have told me they want to end my dispute swiftly, Red. So they can't be as bad as all that.

 

Oh, wait. It's taken them about 5 weeks to write that, and promise to get back to me by 10th December. Hmm, doesn't seem very swift from where I'm sitting. Maybe they ARE as bad as all that after all. :D

 

Attagirl. ;)

 

Geez Seahorse, i thought you were serious when i read that 1st sentence. I had to sit down. But it's ok, i realised you were joking - all's right with the world again :p

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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Hey seahorse, great to have you on board the BC runaway train!

When BC (or BS if you are reading Hopeful1!!) wrote to you (eventually ;) ) with their suggestion of swift resolution to the dispute, was it to offer that the only way of a swift resolution was for you to pay the balance in full, extortionate interest and charges included?! :D

Oh the fun! BC really are awful, and to think that I tried to open a parachute bank account with them when I was claiming charges from Lloyds. I got refused - thank goodness!

Thanks again sweetie!

Red

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No, what it is, BC sold my account to Cabot. I tried to SAR BC to see how much debt was made up of penalty charges. Unfortunately, all they seem to have is 6 years of statements. No agreement, so statements showing any transactions with my monthly payment, less 1% interest.

 

But CABOT managed to get my APPLICATION form from them. Which actually shows that I indicated that I had no wish for them to share my data. At all. And T&C's seem to back that up.

 

So I have a little problem with BC's involvement in all this. I'd like to THINK BC will recall the account, and write this off. But I'm prepared to see both of them in court if I have to. Cheeky feckers. :D

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Blimey Seahorse, BC have been a tad naughty with your account, and perhaps need a judge's slap on the wrist!

No wonder that BC take so long to reply to you, they are still looking up their excuses from the big book of excuses. Umm like when my OH gets in, my excuse for not doing my studying may be that the kids were up, and not that I have been on CAG all eve! :D

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Oh, wait. It's taken them about 5 weeks to write that,

Even I can type faster than that.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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To be fair to them, they did write within a couple of weeks saying they'll be writing again. Looks like I've just had the "this is the letter we promised to write, to tell you that we'll write again on the 10th December."

 

I'm just waiting for that one to say, "This is the letter that we said we would write, in response to the letter that said we were going to write, which was in reply to the first letter that said we would be writing." :D

 

Morcambe and Wise couldn't have done any better than this lot. ;)

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Red, I admire you for paying them when legally you don't have to. But have you actually worked out whether you do really still owe anything or whether it is all made up of interest and charges? Just a thought. I worked out how much I had borrowed and how much I had repaid over the years and was amazed to discover that the o/s balances on my cards were 99% interest and charges. And that most of them had had their pound of flesh.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Goldlady, thank you for your kind comments, and suggsetions. At present I know that i have incurred charges and interest on top from BC, but my personal expenditure outweighs this by a long way! So I know that I spent the money (on our blimmin self-employed business, not for pleasure, which was tied in with the whole issue of OH going BR, and yet I still owe the money! :mad: But I did know the gamble of using my personal credit for business purposes, and to be fair I may have bought a pair of shoes as well on the credit card ;) )

As the complaint to the FOS continues, i will at some point try and recover the charges, but I dont want to ruffle feathers. I just want to make inroads in to the money owed, with or without CCA (these things have a nasty habit of finding you one way or another!) from BC, and just to stick to what I can afford.

Thanks for your help as always

Red

Rory, LOL re typing speeds!

Seahorse, classic comedy!

Thanks all!

xx

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Red, are B/C still charging you interest and charges even though your account seems to be with every DCA going? :) I continue to pay them, they are still sending me monthly statements with interest and charges (approx £100 per month) my outstanding balance has increased by £500 since July! They also continue to tell me on my statements that my account is being dealt with the wonderfully fabulous Mercers, who continue to send me letters advising they will be popping round shortly for a cuppa :) I continue to ignore them totally as still feel they haven't complied with CCA! They are a continuing nightmare, but its good to know I'm not alone and there are hundreds of their poor customers being treated in the same appalling way :)

 

Good luck!

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