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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).
    • 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?  
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HFC fined for PPI misselling - game over for them!!


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Hi All,

Just recieved a response from the Financial Ombudsman giving HFC 8 weeks to respond to my complaint, as if that will make a difference, what i need to know is...my SAR (Subject, Acces,Request) from HFC fell on deaf ears as they have only sent me a pile of nonsense from this one particular loan from 2004 with no proper documentation not even a statement, they also said that any system generated letters cannot be enclosed with their response as copies are not kept (b******ks) so where is the default notice they served on my account in 2005 gone,they are just hiding all my info and yet i have had 4 finance agreements prior to 2004 from 2000/2001 and they have failed the 40 day deadline and have been non-compliant with my request, so i've been looking on the HMCS on obtaining a court order to force them to comply, do any of you know which order i need to complete so that i can get all my information out of HFC and claim more PPI/Charges etc

 

Regards Gordon

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Hi ALL,

I've just recieved a letter from the FOS giving HFC 8 weeks to respond to my complaint on my PPI, so will wait to see what bull they speel, on a different note, i've been looking at the HMCS site ad trying to gather info on obtaining a court order as HFC have failed and have not complied with my SAR (Subject,Access, Request)after nearly 55 days they have only given me read outs from a computer concerning the loan i have had from 2004,ie telephone call logs all though i have had 4 other finance agreements three years prior from 2001-2004, they cannot or just didnt bother sending me this info, not one statement of charges etc and not a copy of the default notice they served on my account in 2005 (without me knowing), the also said that any system generated letters cannot be enclosed with the rubbish info they sent me because copies are not kept, i mean howay man, what are they like? total idiots, so do any of you know which order i need to complete to force them to comply with my request. Any pointer in the right direction would be appreciated as the HMRC site is a mine field.

 

Regards Gordon

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As a bank, HFC have been regulated since 2000 - but for the sale of insurance they have been regulated since January 2005. There are numerous other factors that come into play though, as I believe that the PPI would be classed as a linked transaction to the credit agreement - on that basis, they should look at claims back to 2000.

 

Probably depends on the particular circumstances.

 

 

 

 

 

 

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Hi All,

Just had a phone call from a DCA about my loan with These lot, she said she has got the info from HFC and wants to help, but as the conversation went on HFC did not give her the corrct info, she didnt know where i been working for the past three years, she didnt thought i was living with my parents, so i explained i was not going to give any info over the phone, and also said that because HFC have the same info regarding many issues i have with them then she should ask for all the info and not just some stupid employees account of my buisness with them, so they got none or all the wrong info, they are confused as to what issue i have with them, and now they've envolved a DCA, now we are getting somewhere, i have also recieved a letter stating that they are looking into my complaint (hope those idiots understand what mis-sold PPI means)so seem to be going in circles, but as i said i've saved and filed all communication i have had with HFC so they cannot say they are unaware, i now know that they have incorrect info relating to my personal circumstances, this list of incompitance grows longer and longer, and i am also still waiting for My SAR so i'll send them a letter in the morning (recorded)giving them a week, then i'll also phone the HMRC to ask about a court order for their non-compliance. HFC are just the most useless people i have ever known, can wait to stuff'em.

 

Reagrds Gordon

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  • 1 month later...

Article also in the press over the weekend about Land of Leather being fined £210,000 by the FSA over their PPI processes, which includes a personal fine of £14K against their Chief Exec for failing to oversee the procedures in place by the firm.

 

There's a fantastic quote in the FSA release which states that "......delegating authority for dealing with PPI does not mean delegating responsibility....."

 

For settling early, Land of Leather had their penalty reduced by 30% as did their Chief Exec who could have been liable for a £20,000 fine for his role.

 

I'm certainly going to make the Halifax aware of this decision as the correspondence I have had from them which refutes the mis-selling of PPI cover on my credit card has come direct from their Office of the Chief Executive and I have argued that this is evidence of their advocacy of mis-selling throughout their organisation.

 

Well done the FSA for forcing a Chief Exec to take responsibility for the PPI failings of their organisation.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Excellect Thread

 

I need to write a letter to HFC, is there any templates I can view for a guide?

 

thanks

Edited by scousepie

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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Interesting quote from the solicitors who were acting against HFC:

 

"The PPI market has been the subject of intense regulatory scrutiny amid claims that it is unnecessary and expensive. The policies, designed to insulate consumers from an unforeseen loss of income, are highly profitable, with lenders earning as much as £1,200 from a policy that costs only £20 to sell, according to the Competition Commission".

 

So now we know - £20 to sell a policy and the possibility of making thousands. This really can be described as a non-protection racket.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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  • 4 months later...

I have only found out after two years of hassle with this hfc.There arragont rude and dont care and i have even got bad health now because of them with all the stress,Im at my wits end with them and really need some help on this one: Ieven got family to tell them to **** off or even that i am dead? they ring 7 8 9 10 11 12 times a day ive even changed me numbers 5 times? :confused:

 

In 2005 i bought a laptop for work reasons form pc world in the uk. for the price of 799 however the sales man place a extra 200 pound payment protection plan on top of the payment of hire agreement.

 

I clearly said no to this and they said i need to be at 1,000 pounds to get the laptop.

I questioned the sales guy about this and he agreed to do sale for 799.99p (to my knowledge i never known he put the 200 on top of the price after saying no to him until 14 days after sale which was too late.)

 

So i went to work happy knowing i got my laptop business sorted and paying by direct debit.I paid till i got a balance of 300 pounds or so owing,I asked hfc to take the reminding off my card of 150 or so till i was left with 100 or so left.They said they wud get it sorted out and contact me. fine

 

6 months later i joined the forces in the u.k was training and was working in duration for 2 years places.hFc broke there promise i set up a direct debit with my old bank account and left at that.They never took a payment and cancelled my direct debit their end saying the bank delined it when clearly they never did bank official stated when in correspondent.However hfc wacked on charges of 45 pounds per dd fail and so did the bank (28 pounds) which left me to close the account in the present time stated? so i went opened a new account.They hit my credit card with a 300 pound overdrawn hit...(this makesd that dam old laptop now in total over 1200 pounds paid). I refused to pay anymore but they claimed i still owe money to them and if i dont pay i am defulting my contractional obligations or summit. I told em to **** off"

 

now in 2008 i get them all the time writing to my dads address, stating i owe over a 1,000 pounds uk money and that i inrest is being added until i come and arrange payment. I have 35 different laptops since then.I cant seem to upgrade my current account to a proper account im stuck with a post office account and i dont know how to prove this ****en company have ripped me off as it feels they have the law on their side as well as a major bank. I have been to c.a.b wrote to the financial service and almost everyone i know even m.ps and been brushed off time after time after time.I have lost my credit card cos of them takingmoney. With all the stress of them ringing and ringing and ringing and saying stupid things like ya took the loan mr x it our own fault when ya gunna pay i am now gone from being fit as a fiddle to type one diabetic and had 1 small heart attack? which i am fine now but they ring 12 13 14 15..

 

Ive decided to aviod them but i cant seem to do that but i wanna put this to bed and end it any ideas?

 

the I hate hfc with a passion man.

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HFC are the **** of the earth, they miss sold a PPI agreement to me after they were fined in Jan 2005. shame on them.

 

HFC Stands for:

 

High Fictitious Charges:

 

Anyhoo don't get to upset as you have rights.

 

1st, you need to send HFC a CCA Request to find out if they have a signed agreement.

 

 

2nd, send a SARs request letter, this is for all the information on your account plus charges and payments ect that they hold. its your right to obtain these docks.

 

have a look in the Letter Template Libarary for all the letters.

 

if you have any problems filling or locationg the forms please post.

 

oh, and send your letters registered post as proof.

 

good luck.

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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  • 4 weeks later...
  • 1 month later...

i need of a bit of assistance here , i've just recieved a letter from the HFC bank stating that i am in 5,538.44 in arrears on a loan i took out with them on the 12th of april 2005, i entered into an agreement where i understood that all interest would be frozen and i would pay 140 per month of that loan , which i have keep up since the agreement was made. Where do i stand?? as the total balance of the loan was 8,000 , i'm really in a bit of shock recieving this

 

gnasher2000

Abbey national - letter sent for charge details 26/04/06

Letter sent asking for charges back

12/05/2006

Letter before action sent

24/05/06

claim to be filed on the 13/06/06

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Hi All

 

I've been surfing all over the PPI forums and don't know if I've got the right one here, but I've bee battling for almost a year with HFC/Beneficial Finance and what a pain in the neck they are!

 

Due to our current financial situation, as my hubby cannot work due to a cancerous brain tumour, I started the long haul process of contacting them to state our financial position. They are so arrogant!

 

I've got them back to the negotiating table at the moment, but these fools are demanding £110.00 per month when after deducting for all priorty debts, I can only pay them £35.00 per month which I am paying.

 

A letter from their Collections office in Birmingham dated 3rd December clearly states that THEY cancelled my PPI on May 26th 2006. I didn't know this had been done and yet they have been adding PPI charges to the balance on my statements since that date and recently stopped it from November 17th 2008 due to this debt problem. I had no idea that this policy was cancelled and it only came to my attention after I initiated a claim for a mis-sold policy.:shock:

 

I'm furious!!!:evil: I have been deceived by them and wrongly charged here!

 

I am now drafting up a letter to ask for all the statements going back over the last six years to find out the full extent of the amount they have taken from me even when the premiums should have been stopped over two years ago!

 

Any advice on this would help so much.

 

Connie1963:cry:

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Hello connie,

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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