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    • 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?  
    • 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) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 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 contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No 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 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 this document.  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.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. 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)  
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Lowell Portfolio I


ICY
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i will when they send me the next letter telling what the apparent debt is for, i still need to send the s/b letter re the 2 barclaycard (non)debts will get onto that today. While i am writing to complain about thames sending me payments requests despite telling them its a s/b debt they are chasing

:madgrin:

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Also can i do anything about them placing a seach on my credit file without permission

 

Entry Number:P1

Name and address:

Searched on:12/11/2007

Searched by:LOWELL FINANCIAL LTD

Application type:Unrecorded Enquiry

:madgrin:

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snap, got same letter here too, funny enough mines also barclaycard

 

Alhough this is starting to get out of hand now, got another "you lived at this address" letter yesterday no idea what this ones for although if things keep as they are i will find out on monday ish worrying thing is the address they have given i lived at about 3 years ago (i think although this could well be longer, i have no way of knowing at the mo)so looks like it may not be a S/B one this time:(

 

OK have got the second letter for this one, apparently i owe 1st credit £382.50 I have never heard of 1st credit, although a quick google shows them as debt buyers, so who knows what the debt is for, change of tact on this one though they have sent a differently worder letter, this time from lowell financial saying they are acting on behalf of their clients lowell portfolio, how can they be clients when they are the same company:-| up to now all the follow up letters for the other 2 amounts have been from lowell portfolio.

 

Dear Me

 

We have been instructed by our client Lowell PortfolioI Ltd to write to you in connection with your outstanding balance as described above. Our objective is to help both you and our client (THAT'LL BE YOU THEN) find a solution to this problem (NOT A PROBLEM TO ME, YOU CAN STICK YOUR DEMAND SOMWHERE PAINFUL). We urgently request that you contact us today before our client (YOU) instructs us to take further action to recover the balance.

 

You can prevent further action happening by taking the following steps.

 

1. By sending us payment in full

2. By contacting us to agree a method of payment over an agreed term.

h

On contacting us you will also be given the opportunity to discuss how we can work together to find a solution to clear your outstanding balance. However, until you contact us we will be unable to offer you our assistance in outting an end to this matter without the possible need for legal enforcement. Ignoring this probem will only make your situation worse(OH IS THAT SO), therefore we strongly recommend you contact us now on 0845 300 9416

 

Yours

Andrew Bartle

:madgrin:

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Dear Lowell

 

Perhaps your understanding of S5 of The Limitations Act 1980 is somewhat different to everyone elses. Please explain what further action you or you acting as agents for yourselves as a client may take.

 

I am not aware of any action you can take legal or otherwise.

 

I should point out that as I have already informed you that this debt is Statute Barred and you continue to infer you have some legal action you can take you are in fact the ones who may be facing legal action from me (and dozens of my friends on CAG)

 

yours etc

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This Andrew Barlte fella gets about a bit.

 

 

He works for three different companies

 

Red

Lowell and now

1st Credit.

 

This is one of the biggest scams in history and needs sorting now.

 

 

OK have got the second letter for this one, apparently i owe 1st credit £382.50 I have never heard of 1st credit, although a quick google shows them as debt buyers, so who knows what the debt is for, change of tact on this one though they have sent a differently worder letter, this time from lowell financial saying they are acting on behalf of their clients lowell portfolio, how can they be clients when they are the same company:-| up to now all the follow up letters for the other 2 amounts have been from lowell portfolio.

 

Dear Me

 

We have been instructed by our client Lowell PortfolioI Ltd to write to you in connection with your outstanding balance as described above. Our objective is to help both you and our client (THAT'LL BE YOU THEN) find a solution to this problem (NOT A PROBLEM TO ME, YOU CAN STICK YOUR DEMAND SOMWHERE PAINFUL). We urgently request that you contact us today before our client (YOU) instructs us to take further action to recover the balance.

 

You can prevent further action happening by taking the following steps.

 

1. By sending us payment in full

2. By contacting us to agree a method of payment over an agreed term.

h

On contacting us you will also be given the opportunity to discuss how we can work together to find a solution to clear your outstanding balance. However, until you contact us we will be unable to offer you our assistance in outting an end to this matter without the possible need for legal enforcement. Ignoring this probem will only make your situation worse(OH IS THAT SO), therefore we strongly recommend you contact us now on 0845 300 9416

 

Yours

Andrew Bartle

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This Andrew Barlte fella gets about a bit.

 

 

He works for three different companies

 

Red

Lowell and now

1st Credit.

 

This is one of the biggest scams in history and needs sorting now.

 

 

Not sure he works for 1st credit, and they are not a leeds based company i am assuming that 1st credit and the leeds mob are not linked.

 

Lowells go as:

Lowell Portfolio I

Lowell Financial

Reds

Hamptons Legal

:madgrin:

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  • 2 weeks later...

Well I beat lowell, I wrote to them quoting limitations act sent a seperate letter for each account they are trying to claim for, got 2 letters today each about a barclaycard , still no word on the 1st credit one

 

Mr me

 

Our ref -

Original Creditor - Barclaycard

Balance outstanding - £0.00

 

I am writing to inform you that after further investigation of your account it has become apparent that it is now subject to Section (5) of the Limitations Act 1980 and as such we have now closed the account and can confirm no further correspondance will be sent to you.

 

Please accept my apologies for any inconvenience caused by this matter.

 

Andrew bartle

:madgrin:

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Mr TWS while I admire your campaign against our friends in Leeds I think I should clear up a misconception.

 

Just because a debt is Statute Barred does not mean it does not exist any more. The debt still exists but it is not legally enforcable. Lowell are entitled to ask for payment of it if they have legally purchased it. They are not allowed however to make out that they have any legal powers to enforce collection or that the non payment of the debt to them will in any way be reflected on your credit reference files. If someone pays Lowells any money against this Statute Barred debts the courts will assume that such payments have been made of their own free will and that Lowells are legally entitled to keep the money. Lowells are very careful in the wording of their letters and certainly stretch the legal boundaries to their limits but they must cease collection activity when informed that the debt is Statute Barred and the alleged debtor has no intention of paying.

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