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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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    • 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.

      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.
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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.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi All

 

I wanted to get some advice on the idea of Bankruptcy (I have an appointment with CAB but know their are probably even more knowledgable people on this forum on the subject), this is not something I consider lightly but I do feel I have come to the end of my tether with my debt problems and see no other way out.

 

....The story is I am 28 years old and have debts with various different creditors of over £14,000, I make no excuse for this situation it is mostly my fault but it seems when banks and other creditors have got you in this situation they will do anything to keep you there.

 

...I had a debt management plan with Payplan but it really didnt work out the creditors said they would stop charges and interest but then just started them up again saying they had no contact from payplan when I know they certainly did they then said this was a mistake and apoligised but still the charges and interest was applied and I was not really getting anywhere. I cancelled the plan and negotiated my own payments with them, however the charges and interest are still stacking up which means I am paying out large sums every month and the debt is hardly being touched....It seems a waste of time and money because at the moment I feel I will be in debt to them for the rest of my life....and I want to do things with my life that I can't with this hanging over me.

 

....Believe me I have tried reasoning with these people but they just do not want to know, I am not looking for a quick fix but would like some sound advice to help me really get my head above water and see a way out of this. Obviously I know about an IVA and the other althernative would be Bankruptcy (how bad is that really?)...My biggest worry is that I had to move out of my flat and back in with my parents...would an IVA or Bankruptcy affect their credit rating and be held against their address??

 

Please any help would be greatfully received

 

Regards

 

Tristan

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Bankruptcy no longer has the consequences it once did, unless you are (or intend to be) an MP or a company director or you own your home (you will be expected to sell to settle debts unless in negative equity). If you work in financial services, the law i.e. solicitor or barrister or a cash handling job you may need to keep your employer and/or professional regulatory body informed. Bankruptcy now only lasts a year at most unless the official receiver finds any fault with your financial affairs (e.g. gamblimg, paying a particular credit in preference to others, entering into credit you knew you couldn't pay) but it stays on your credit file for six years.

People with the same surname at the same address are assumed to be financially linked unless a notice to say otherwise is registered with credit reference agencies. So, yes your bankruptcy would impact on your parents if you all have the same surname but this can be avoided if they register notices of disassociation (saying they are not financially linked with you) with the major credit reference agencies.

 

CAB money advisors are generally pretty expert on bankruptcy and even if you see a general advisor they should be able to refer you on or give advice from their information system which is very comprehensive.

 

The insolvency service website (The Insolvency Service Website) is also a good source of information and also has all the documentation you will need to declare yourself bankrupt.

 

Hope this helps

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Hi Yes I am...but I am actively seeking a better paid job to help with the situation...obviously this is difficult as I can't afford to lose my current job so I have to be quite careful about interviews and such

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The debts vary in age , being with different creditors...having tried to get myself out of trouble through further borrowing I found myself in much more....vicious circle! They range from 1 year to 3-4 years!!!

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who are the debts with and are they all enforcable?

 

Have you CCAd any of these companys?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi the debts are with Lloyds(main debt)Overdraft,credit card & Loan, MBNA(credit card), Egg(Credit card) & Natwest(overdraft)!

 

I have not cca'd any of them because excuse my ignorance I'm not certain what that is but will do some reserch

 

Thank you

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have you thought of sending them a CCA request?

 

I notice you have a credit card with MBNA. You MAY find that the MBNA debt is unenforcable as some of the ppl on this site have found that.

 

I have not really been noticing many egg threads but the same does apply for them.

 

Now the bank credit card and loan would be the same but l dont know if a cca is covers a overdraft.

 

A CCA is a consumer credit agreement which is requested under the consumer credit act of 1974.

 

All you need to do is look at the stickies above these threads. You will find one for creditor templates.

 

Sorry i dont have the link but they are easily found. You will require letter N, request a cca.

 

Just amend that to suit your needs DO NOT SIGN THE LETTER JUST PRINT YOUR NAME. dont worry it is legal.

 

Send that with a £1 Postal order at least recorded delivery, this is needed as it is a legal request so u need proof of posting /delivery.

 

Then sit back and wait. They have 12 working days after they recieve it to get you the info. If they dont they they deafult.

 

A working day is classed as monday to friday so NO WEEKENDS.

 

any more info required just shout.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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yes see CAb but always bear in mind that until you have evidence you dont need to make a decision on the bankruptcy.

 

When you get the replys let us no what you have, it is easier if you post them up for us, and we will let u know if the are enforcable or not.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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it turns out that overdrafts ARE covered by CCAS

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

Hello

 

Thanks for all your advice so far

 

Received a reply from MBNA today with a "copy" of my credit agreement, now should this be something that contains my signiature? Because what they have sent me seems to be a template of a credit agreement with my name & address inserted at the top, although their is a ticked box and a date relating to when the agreement was made.

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yes l think it should contain your signature but if you could post the document up then it would be helpful as we can then look at it more carefully and tell you iof anything else is wrong with it.

 

Chrissi

  • Haha 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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all you need to do is join photobucket, its free, then scan the image into your computer and with paint take out all your personal details, name adress email addy phone number and signature, then post ask photobucket to take it off your comp and then take the IMG number and paste it into the quick reply box.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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how did u apply for this?

 

l have only heard of tick boxes when the account is applied 4 on line

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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something i have just thought of when did the oft ruling on charges come in to effect?

 

l thought you were not allowed to be charged more than £12 in fees like overlimit fees as this is over the £12 and this is dated 2006

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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rite l will call on someone with more knowledge than be about this

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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In the meantime I have also had a document through from Lloyds with regards to my loan, all seems pretty above board but then I am far from an expert, any advice is greatly appreciated!!

 

 

lloyds1-1.jpg

 

 

lloyds2-1.jpg

 

lloyds3-1.jpg

 

lloyds4-1.jpg

 

lloyds5-1.jpg

 

lloyds6-1.jpg

 

 

Thanks in advance

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I have pmd a couple of paperwork experts but l dont know if they will be able to help.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Ty Curlyben for that l did not want to get it wrong.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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