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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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      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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HFO Services- a new DCA on the block?


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I do now need advice regarding a defence. HFO are in the process of an N1 claim form against my friend!

 

Have HFO actually issued a N1 claim form against your friend? if so, can you post up a copy without any identifying marks or alternativley type up the Particulars of Claim word for word.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Have HFO actually issued a N1 claim form against your friend? if so, can you post up a copy without any identifying marks or alternativley type up the Particulars of Claim word for word.

 

Hi Docman

 

No N1 at this stage- however we are expecting it!!

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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OK. You are clearly getting worried about an imminent court claim. That may or may not happen, but it seems as though people with more knowledge than me of HFO say that is the way they usually operate.

 

Firstly, Sharklycard agreements are usually rubbish. In the vast majority of cases, the reply to a CCA request is something which is totally illegible, and is clearly a poor microfiche copy. Can you post up your agreement so we can see?

 

Was there ever a default notice issued on this account before it was terminated and passed to HFO? If so, do you still have a copy?

 

These NoAs sound interesting. I am assuming they are fake?

 

It also sounds as though HFO have been increasing the balance on the alleged account without reason or justification. This can obviously be challenged as well.

 

Have you reported any of HFO's antics to the OFT, or gone through the internal complaints procedure?

 

SH

 

 

Thanks SH

 

The agreement is just a typical 1- just like within the Barclaycard thread. A poor copy with the signature of my friend- however no signature from Barclays and no prescribed terms. I can post it later this week- P.C. giving me probs at mo!:-|

 

We`ve sent of a D.S.A.R. to Barclays today-they have acknowledged reciept-a 40 day wait & there is no sign of a default notice- it was far too long ago!! Maybe they will send this as part of the DSAR????

 

The NOA`s are interesting. Now the question is are they equitable or not? & also if they are equitable does this give Barclays the right to charge interest from the closure/default date??? I have 3 NOA`s that my friend has been sent- with 2 different dates on them & I believe you cannot be send NOA`s with different dates on them??

 

Well as far as HFO`s antics- well I`m not sure The OFT/ICO/Trading Standards will punish them -- so I`m not sure making them aware will help-- it certainly wont stop them issuing a N1. I say this because after each letter I send them in regards to non-compliance of The D.P.A. 1974- they just ignore everything I request. Will The O.F.T. etc.. stop any inmpending Court claims- I think not at this stage. We need lots and lots of people reporting them- not just me!!

 

Thanks SH- I`m gonna need your input when I prepare my friends defence!!

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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No, you are right that OFT complaints and reporting to Trading Standards won't help in stopping them issuing an N1. It is important, though, to add to the weight of complaints against a thoroughly disreputable organization.

 

An internal complaint can also be escalated to the Financial Ombudsman Service, which will at least hit them with a £450 bill if the FOS take it up.

 

It is important to keep fighting your corner in every way, not just worry about the N1.

 

I agree in principle with Docman that responding shows what the judge would call a "responsible attitude". Use email if you can, as this save time and money. Responding to every templated threat by snail mail can get very expensive, whereas a simple prepared email just referring to your previous letter is free, and takes very little time to send.

 

The defence is this case is going to be very similar to many others. I have already got it written in my head after reading through the thread again.

 

SH

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Cheers SH

 

I will send emails as you mentioned;)

 

I am more concerned at their interest charges- scandulous!!

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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Cheers SH

 

I will send emails as you mentioned;)

 

I am more concerned at their interest charges- scandulous!!

 

 

Excellent idea, especially if HFO respond by email. And the beauty is that if they then start to email their threats, you can set up your email to treat as them as spam.

 

Make sure you print off your emails though as you may need a hard copy record at some stage.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Saw UK26`s post earlier regarding the Judge awarding Judgment against him & in favour of HFO- just ridiculous!!!

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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hi ,

just wanted to add my support against hfo

scabhunter among others helped, and are still helping me with this company. they try every trick in the book, they even sent a letter addressed to me, but sent to my brother in laws address!!! even though they had mine!! i think this is to try and embarrass me, so i'll either pay or phone them!... no chance!!!!! just makes me more determined.

so, chin up, and just be guided by the folk on here. good luck

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I`ve SAR`d Barclaycard & today I`ve had a ream of statements and that is it?? On them are lots of late payment fees/overlimit charges.

 

They have stated in the letter "The information we enclose is all we hold".

 

But I was requiring Default Notice, Deed Of Assignment, Credit Agreement with Prescribed Terms etc etc...-- but no just a load of copy statements going back to Jan 2003??

 

What do I do next guys??:|

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HFO will go to court against you, there's no way of preventing that short of paying them.

 

It's a PITA but at least if you win in court it'll get them off your back for good.

 

Prepare a multilayered defence - if they cannot provide a legible copy agreement, or at the least a legible document that bears your signature and contains all of the prescribed terms then they have no chance of winning providing you prepare your case carefully. There's plenty of assistance available on here to help with preparation.

 

In my own case the 'solicitor' sent by HFO was a total muppet of the first order and it was so obvious that ALL that he knew about was Section 127 of the CCA, and that not very well. Obviously you can't count on being presented with such stupidity but it's a good bet :)

 

If you do receive an N1 then come back here straight away for assistance.

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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That SAR could come in very useful to you.

 

So far, we have an unenforceable application form purporting to be an agreement, no default notice, and some dodgy notices of assignment.

 

Now, you can calculate the amount taken from you in unlawful charges, which may well have invalidated any default notice had one existed, due to the amount being inaccurate by more than a de minimis amount.

 

This defence will not be difficult to prepare should an N1 arrive.

 

It would be worth writing back to Barclays specifically questioning the lack of a default notice, which should have been sent to you as part of your SAR. If they send you a letter admitting that such a default notice does not exist, that will obviously be extremely useful to you.

 

SH

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I think the Barclays argument is usually that, as the DNs are electronically generated (usually by Mercers), they don't keep a hard copy and tend to supply a 'this is what it would have looked like' response. I can't recall anyone on this forum ever actually receiving a copy of the original DN. Serves them right when they use them like confetti.

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I think the Barclays argument is usually that, as the DNs are electronically generated (usually by Mercers), they don't keep a hard copy and tend to supply a 'this is what it would have looked like' response. I can't recall anyone on this forum ever actually receiving a copy of the original DN. Serves them right when they use them like confetti.

 

This is indeed what HFO said to me - 'the DN is a standard computer generated letter so we don't keep copies'. That's bad luck for you then is what I replied. I didn't receive one originally so unless they could provide me an exact copy then I had no way of checking it's accuracy.

 

A DN is also a vital piece in the chain of evidence and had it gone that far in my case then I would have required production of the original as per the Civil Evidence Act. It was part of my multi-layered defence that wasn't needed as HFO fell at the first hurdle in court.

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Spot on Number6, they will often go after you irrespective of no CCA. 'Muppet' is far too nice a term though... 'incompetent junior numpty' is far more appropriate.

 

I was in a kind and generous mood when I posted yesterday! :D

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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This is indeed what HFO said to me - 'the DN is a standard computer generated letter so we don't keep copies'. That's bad luck for you then is what I replied. I didn't receive one originally so unless they could provide me an exact copy then I had no way of checking it's accuracy.

 

A DN is also a vital piece in the chain of evidence and had it gone that far in my case then I would have required production of the original as per the Civil Evidence Act. It was part of my multi-layered defence that wasn't needed as HFO fell at the first hurdle in court.

 

 

Now today I have received the following from HFO:_

 

1) A letter stating that they are writing on behalf of the legal assignee- HFO Capital Limited- & enclosed is (1) A Default Notice (2) Notice Of Assignment.

 

Now my account has been `selected` for litigation and is being processed by their Solicitors, Turnbulls. However they have instructed their Solicitors to halt legal action pending resolution of the matter. If it isnt possible to resolve it however, the case will be processed for litigation at Northampton.

 

Now the Default Notice is supposed to look like an official D/N? But this time it is fromHFO- supposed Barclays don`t have one??

 

Also I received another Notice Of Assignment- 4th in total - with a Current Balance different to the ones received last year- but the date of assignment is the same- well thats not entirely true as 1 of the NOA`s last year had a different date. They state in their letters "With effect from the date at the top of this letter" & this date has been 2 different dates on a total of 4 NOA`s that I have received??

 

Any feedback would be welcome.

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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Now I have read that Pank has had the same letters/ notices through the door.

 

I suppose my D/N is invalid as it came from HFO- no sign of the original 1?

 

I`ve had 4 NOA`s plus an ever increasing balance (£4K worth of interest??):mad:

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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Oh dear, they call that a Default notice?

 

First thing wrong, is they are demanding the full amount. It should only be the arrears. They have given you 7 days from the date of the letter.

A document is deemed to be served 2 working days after posting, and they should give you 14 full days to pay the arrears on the account.

Just stating 7 days isn't enough it should state an exact date.

 

 

What's required in a default notice........

(88) Contents and effect of default notice.

(1) The default notice must be in the prescribed form and specify -

(a) the nature of the alleged breach;

(b) if the breach is capable of remedy, what action is required to remedy it and the date before which that action is to be taken;

© if the breach is not capable of remedy, the sum (if any) required to be paid as compensation for the breach, and the date before which it is to be paid.

(2) A date specified under subsection (1) must not be less than seven days (14 Days from 19/12/2006, see below) after the date of service of the default notice, and the creditor or owner shall not take action such as is mentioned in section 87(1) before the date so specified or (if no requirement is made under subsection (1)) before those seven days have elapsed.

(3) The default notice must not treat as a breach failure to comply with a provision of the agreement which becomes operative only on breach of some other provision, but if the breach of that other provision is not duly remedied or compensation demanded under subsection (1) is not duly paid, or (where no requirement is made under subsection (1)) if the seven days mentioned in subsection (2) have elapsed (now 14 Days, see below), the creditor or owner may treat the failure as a breach and section 87(1) shall not apply to it.

(4) The default notice must contain information in the prescribed terms about the consequences of failure to comply with it.

(5) A default notice making a requirement under subsection (1) may include a provision for the taking of action such as is mentioned in section 87(1) at any time after the restriction imposed by subsection (2) will cease, together with a statement that the provision will be ineffective if the breach is duly remedied or the compensation duly paid.

The Act does mention the word Date, suggesting that is what Parliament wanted to see appear in a Default Notice...

Quote:

(b) if the breach is capable of remedy, what action is required to remedy it and the date before which that action is to be taken;

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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So Michael Hardy appears on letters from HFO AND Turnbull Rutherford. Which one does he work for?

 

If there is an enforceable credit agreement (which there isn't it seems) then you are NOT subject to HFO's terms and conditions. The original Barclaycard T&Cs would continue to apply. This is grossly misleading.

 

The default notice is seriously flawed. Like the other documents, they've just made it up to suit their case.

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