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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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02 Unauthorised transactions


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Got an o2 mobile on contract and up until October i paid my bill on line. However October the 10th i set up a direct debit. This was using a brand new bank card with a different security (last 3 digits on back of card) number than my old card. O2 are the only company to have those details.

 

My first direct debit came out the begiinning of November and thats fine and this states direct debit on my bank statement.

However a further 2 payments have come out from O2 for the sum of £30 each that has nothing to do with my mobile phone payment as they do not show on mobile phone account.

 

On the statement it says "prep" which from what i believe its pre payment and looks like someone is topping their phone up with my bank details. As they are the only ones to have my details and since its since the direct debit was set up im inclined to believe it someone in o2.

 

I have cancelled my bank card and informed the fraud department in my bank but o2 are giving me the run around. Someone was supposed to phone me back after i faxed off my bank statement. They never rang. I have been passed backwards and fowards to various departments. I eventually got told i needed a 'ged number' from my bank so o2 can trace the transaction. I got told its traced back to my account (meaning mobile account). Dont see how someone topping their phone using my bank details is anywhere connected with my mobile account.

 

Anyway promised they would contact me back but yet again they havnt. It seems they are not taking this serious enough after all its theft and fraud.

 

Anyone give me any advice on whati should do. Want to ring them tomorrow and ask for full refund as im fed up of waiting.Thinking of threatening them with a letter to OFCOM and cancelling my contract. Anything or anyone else i can use to help me get my money back.

 

Thanks in advance and sorry for the long post

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Hey, I can't answer for sure on O2's procedures but I can give an idea of how other networks would handle this.

 

If you contact your bank to advise that you did not authorise these payments, your bank should be able to reclaim this money from the network and put it back in to your bank account (just make sure that you are positive these payments have not been made to your O2 account as this process flags up on the account that it has been accused of fraud).

 

Then, I would hope O2 should be able to search for the payment details using simply your bank card details (again, I must reiterate that I do not know for sure if O2 can do this, but I know T-Mobile do as I work there and do it often myself, it's not that hard) so they can find the account which your card has been used on fraudulently - they can then pass these details on to their fraud dept so they have more info to work with. Just bear in mind that there is a lot of fraud happening these days so there could be a wee bit of a backlog, but someone at O2 should be able to give you a rough timescale, I would think.

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Thanks you have made more sense than anyone i have spoken to in the last week.

 

My bank say they are investigating it. I am 100% certain i have not made the transactions.

Using a ged number o2 have said they have traced the transaction back to my account and now im waiting for someone to get back to me from o2.

 

My account is a contract and dont see how topping up a phone can be traced back to my contract account as no such payments are recorded on my contract account.

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Again, I can't be definitely sure re O2 as I have no idea of O2's price plans, but you don't have a price plan which is half contract and half payg? (T-Mobile do one of these, so just checking).

 

Ask O2 why they cannot just do a search using you bank card number to do a search as this should bring up a list of all accounts which your card has been used on. I do these at my work and it only takes 3 mins max, and it can bring up suprises ie your card being used on 5 accounts or something.

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No funny price plan. Plain contract. I used to pay online then decided to pay by dd. Its a brand new card so its only o2 who have that cards details and no other company.

 

I will ask them if they eventually get back to me. Thanks

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I had set up a direct debit on the 10th October to pay for my phone bill as before hand i paid it online. The first direct debit payment came out on the 2nd November. This is confirmed as correct.

 

However on the 25th October and 5th November and not connected to the direct debit, a payment each of £30 came out as a card payment with "prep" on the statement.

 

So someone has used my bank details to top up their mobile phone.

The only company to have these details are o2, and the only time i gave these details are when i set up the direct debit.

 

My take is a member of 02 has used my details or they have passed them on to someone else (whether purposely or accidental) who is using my details.

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I've still not got it. Who/when did you give your CARD details to? And why was there any requirement or necessity to do so?

 

Are you saying your earlier payments (that is PRIOR to creating the DD) you had given them your card details to pay your bill?

 

You see, to set up a Direct Debit, NO card details are ever requested - only your Account Number and Sort code. Anything else, and it isn't a DD!

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Ahh i get you now. Sorry i should of made myself clearer.

 

Ok the story

 

The 10th October i recieved a call from 02 on my mobile saying they have not recieved my payment as i pay it online and sometimes forget so i was late paying it. So i made a card payment over the phone using my brand new card. This payment went through ok so must have been o2 and not someone trying to get hold of my details. However i did think it was funny them ringing as they have never done this before.

So after i had paid my bill i then requested that i set up a direct debit so in future i would not be late paying my bill.

 

That i thought would be the end of it.

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Hey, here's a couple quick ways for you to check for yourself if the payments were made toward your own account. Firstly, assuming that you have made all of your other payments on time, if two extra payments of £30 have been made to your account then you should either be £60 in credit, or your bill following these payments should already have had £60 paid towards it (which should show on the bill). I would imagine you would be able to find this out either on your bills (which usually show payments over past month) or online on O2's website if they have a bit where you can sign up to view your account online.

 

Technically, "recurring card payments" can be set up whereby the network just takes the payment from your card each month without you having to call them (much in the same manner as a direct debit) but owing to the fact that you had to actually make the payment yourself each month via the website it does not sound like this is what has happened. Also, by setting up a direct debit, had this been the situation in the past it would have had to be cancelled and changed to a direct debit payment.

 

Did the person who called you from O2 ask you security questions? And do O2 have a record of anyone from O2 calling you? Otherwise it may not actually have been O2 who you spoke to. I know you say the payment went through successfully so it must have been them, but that is only assuming that you did forget to pay that month - if you had already paid then there would be a successful payment on your account.

 

Furthermore, it could be possible that the original card payment which you made was accidentally taken twice (if it was for £30) - sometimes computer glitches happen - I would ask O2 to double check this. It should be easy for them to check - they just have to look on their computer and they should have a list of payments made on the account.

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