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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.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

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

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Brighthouse "Optional" service cover


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Well you certainly don'y have to take the optional service cover. I don't think they can legally mke you take the other either but they might refuse to let you make the purchase. Lefty knows more about this.

 

Are you in a position where you can't get crdit any other way - eg by buying from Argos?

 

 

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Sorry don't know it.

 

However, BrightHouse's cheapst double bed is £345.69 at a weekly payment of £3.19 giving total of £497.64. Insurance will be on top of this. I can't remember what the percentage they charge is but it is likely to add another £50-£100 to th etotal price. Also it is their own make. Quality is notoriously bad.

 

Argos' cheapest double divan is £139.99 (£149.99 for the slightly larger one). They do a beadstead and matress for £95.

 

 

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i dont have a home insurance thing so does that mean if i wanted a product there i will have to fet the OSC and DLC.sorry for the dumb question i am new with this thanks

 

 

Hi

 

Steven has answered your question correctly. You DO NOT have to take "optional" service cover. However, unless you can supply proof of "suitable" home insurance you WILL have to take damage liabilty cover. The goods must be insured. This is not entirely unreasonable, as the goods continue to belong to Brighthouse whilst in your home, and ownership does not pass to you until you have finished all payments on your agreement(s).

 

Damage Liability Cover (around £250 on a £800 cash price product) is loaded AUTOMATICALLY and will only be removed if you can supply proof of "suitable" home contents insurance. (Brighthouse reserve the right to determine what is and what is not "suitable". In fact, very few home contents policies will specifically include items subject to a hire purchase agreement.)

 

You are led to believe this insurance covers the product for damage, theft, fire, flood etc. However, unlike "real" home contents insurance it WILL NOT provide you with a replacement product should it become necessary (not even like-for-like) and will only, at best, release you from your agreement with Brighthouse - who, ultimately, benefit from the policy. You end up with NOTHING!!! Furthermore, in the event of a claim, the store manager will have the final say as to whether the policy should apply. He may, for instance, decide the goods where stolen or damaged because you didn’t secure or look after them adequately.

 

I live in a high risk insurance area, and I can insure the entire contents of my home (including £5,000 worth of all risk named items) for less than Brighthouse will charge for DLC on a single item!!!!

 

I notice from your other posts that you have signed up (and presumably made first payments) on some items. You mentioned a bed? A laptop? A TV? (You also said you were a bit "skint" at the moment? :confused: Please don't be offended, but it sounds to me like you've been sucked into the Brighthouse "hard sell", and you may have gone a little over the top? £5 a week here and £10 a week here may sound easy in the sales pitch, but in reality it's a lot harder.

 

My advice would be if you really need a bed (and, after all, that's a PRETTY essential item, innit?), and you absolutely HAVE TO use Brighthouse, then take a good read of my sticky thread HERE and get completely clued up on what you're letting yourself into and KNOW YOUR RIGHTS!

 

Get back if you need any further help or advice.

 

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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  • 8 months later...

I am currently fighting to get a refund on OSC and DLC at the moment. My basis is that I was not given the option to take/not take the "optional" service cover (i.e. mis-sold as they told me I had to have it, otherwise I wouldn't get credit....) and that my home insurance was valid and did cover HP items (I had this in writing but BH STILL refused to accept it!) I wrote to Anne Healey 10 days ago and as I have heard nothing, I sent another email yesterday. Anne has replied and said the BH are looking into it and will get back to me soon.... I put in my email that if I have no satisfactory response within 7 days, I will take matter further with TS, OFT etc.,etc.

 

Will keep you updated.

 

P.S They have now removed both policies - I proved OSC was worthless when my TV was repaired (I didn't have OSC and the TV is 20 months old - after much letter writing, they gathered I knew what I was talking about and actually followed the law :)) As for DLC I took in yet another letter from my insurance company, with "HP items are covered by this policy as long as you are legally responsible for them" written in bold!

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I can't "prove" it for OSC, no. But I can for DLC :)

 

p.s I can't prove they forced me....but can they prove they didn't? Why would I have OSC on only 2 of my agreements, not all 4?

Edited by clemma
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I Tried to claim it back what they will tell you is can you provide proof that you where forced to take it out

Regards DK

PS will post my full battle story up and a copy of the CHQ

 

Well hurry up with this one - I want to know what happened!! :D

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  • 2 months later...
I am currently fighting to get a refund on OSC and DLC at the moment. My basis is that I was not given the option to take/not take the "optional" service cover (i.e. mis-sold as they told me I had to have it, otherwise I wouldn't get credit....) and that my home insurance was valid and did cover HP items (I had this in writing but BH STILL refused to accept it!) I wrote to Anne Healey 10 days ago and as I have heard nothing, I sent another email yesterday. Anne has replied and said the BH are looking into it and will get back to me soon.... I put in my email that if I have no satisfactory response within 7 days, I will take matter further with TS, OFT etc.,etc.

 

Will keep you updated.

 

P.S They have now removed both policies - I proved OSC was worthless when my TV was repaired (I didn't have OSC and the TV is 20 months old - after much letter writing, they gathered I knew what I was talking about and actually followed the law :)) As for DLC I took in yet another letter from my insurance company, with "HP items are covered by this policy as long as you are legally responsible for them" written in bold!

 

Which insurance company are you using to get the items covered?

 

Did BH accept this insurance?

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Which insurance company are you using to get the items covered?

 

Did BH accept this insurance?

 

I use Halifax and BH had no choice to accept it. I asked Halifax to send me a letter stating HP items are covered, as long as I am legally responsible for them (which I am).

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  • 11 months later...

hi

 

i know this thread is about Brighthouse but I'm trying to find out about Homebuy, it's exactly the same idea as Brighthouse.

 

The other day i stumbled upon my "contract" with Homebuy and noticed that i am paying for an "optional" maintenance cover on top of what I'm paying for the item, so far I've been paying them for 101 weeks and still have 55 weeks to go.

 

I'm trying to find out if i can stop this and claim it back as i have home contence insurance and always have, and i certainly don't remember being given an option with this optional maintenance cover but i cant find any information on it, also on the small print it states "The terms and conditions for this separate contract are contained on the page headed "optional maintenance cover contract terms and conditions" but there is no page called optional maintenance contract terms and conditions and i know i haven't lost it as i have always kept these sort of documents together.

 

I was just wondering if anyone could give me some advice?

 

Thanks

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  • 1 year later...

Hi There

 

can anyne give me a template letter for claiming back DLCC ans OSC as i have now got written confirmation from my insurancce ccompany that they cover HP products i now want to get the ball rolling and claim back what i was conned into taking out

 

Thanks guys

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  • 1 year later...

i took a letter in the store today and also posted one to head office stating that i no longer wanted there osc. the manager first of all told me that i could not cancel it but when i told him that there osc was just a con and profit making [problem] he changed his tune. the osc is coming off my 4 agreements next week saving me almost 20 per week/

.

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I used Brighthouse just before Christmas last year after I had lost my job, gotten a new one but was just getting back on my feet etc and needing something for the kids for Christmas, I was told I had to take OSC and Damage Liability Insurance or I couldn't purchase any goods. However I went prepared with my home insurance documents which includes accidental damage so managed to waiver the Damage Liability even though they were still trying to talk me in to having it. After reading this thread I have wrote to Brighthouse this morning to cancel my OSC which is the big chunk of my weekly payment...I pay £23 a week and £15 of that is the OSC so this will reduce my weekly payment loads and save me some money..thank you!

I will say though that I have use BAYV in the past and have had none of the hassle I have had with Brighthouse.

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hi, i took my letter in store last week. at first the store manager tried to tell me i could not cancel my osc but after telling him that there osc was,nt really legal he said it would be canceled by the end of the 7 days. just be firm with them.

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Im really happy that BrightHouse victims are starting to realise their Consumer Rights.

 

OSC is an absolute rip off and I urge each and every person who is paying this nonsense charge to cancel it.

 

Tell everyone and anyone you know that has goods from this company to do the same.

 

Well Done!!

 

pfuk

ALL COMMENTS OR SUGGESTIONS MADE ARE BASED ON MY OWN EXPERIENCES AND OPINIONS, IF IN DOUBT SEEK ADVICE FROM A QUALIFIED SOLICITOR.

 

<<<<IF YOU LIKE WHAT YOU READ, DON'T FORGET TO HIT THE STAR AND GIVE ME SOME REP.

 

ANY PRIVATE MESSAGES DEEMED TO BE NON SUBJECT RELATED, DEROGATORY OR INSULTING WILL BE REPORTED.

 

pinkfloydianuk

 

:attention:

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yip u have to have cover but not optional service cover. you can only opt out of the optional service cover before you sign the contract !! which you probably didnt read or was'nt given the chance to read.

 

have a read of this.:-x

BrightHouse also appearsomewhat confused over the word “optional”. According to their own terms andconditions, “optional” service cover is an “option” to purchase at the time ofthe initial agreement, and cancellation thereafter will require 7 days notice.However, BrightHouse staff told us that “optional” means the option notto purchase the service cover can only be exercised at the time of the initialagreement and, furthermore, cannot be removed thereafter!

 

from

1. CAG BRIGHTHOUSEConsumer Fact Sheet 2008

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Fifelifes,

 

You DO NOT have to have ANY cover from BrightHouse.

 

As long as you have valid Contents Insurance then you dont need DLC.

 

OSC is nothing more than PPI in disguise or can be described as Warranty.

 

As you are covered by manufacturers warranty and consumer legislation, OSC is a completely unnecessary charge.

 

Optional Service Cover CAN be cancelled at ANY point during your Agreements upon giving 7 days notice.

 

I urge you to check you have your facts correct before posting as giving mis guiding information can lead people to not take action against these companys.

 

Regards

 

pfuk

ALL COMMENTS OR SUGGESTIONS MADE ARE BASED ON MY OWN EXPERIENCES AND OPINIONS, IF IN DOUBT SEEK ADVICE FROM A QUALIFIED SOLICITOR.

 

<<<<IF YOU LIKE WHAT YOU READ, DON'T FORGET TO HIT THE STAR AND GIVE ME SOME REP.

 

ANY PRIVATE MESSAGES DEEMED TO BE NON SUBJECT RELATED, DEROGATORY OR INSULTING WILL BE REPORTED.

 

pinkfloydianuk

 

:attention:

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  • 1 year later...
has anyone had any success in claiming back osc? as I'm in the process of trying to claim my back now.

 

 

I see you have a thread running regarding your reclaim here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?412173-Bright-House-Harasment

 

And yes there are successes....have a read around the BH forum.

 

As this thread is old it is now closed

 

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