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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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Barclaycard CCA documents enclosed


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Was having help from Paul on this one in another thread but as the thread contained 3 different accounts I've made a seperate thread for each now as not to get confused!

 

further help on this is appriciated as this one has me stumped!!

 

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This is an application form and not a credit agreement. A credit card credit agreement must have:

Quote:

A term stating the credit limit or the manner in which it will be determined or that there is no credit limit

 

A term stating the rate of any interest on the credit to be provided under the agreement

 

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following--

(a) number of repayments;

(b) amount of repayments;

© frequency and timing of repayments;

(d) dates of repayments;

(e) the manner in which any of the above may be determined;

or in any other way, and any power of the creditor to vary what is payable

(from schedule 6 of Consumer Credit (Agreements) Regulations 1983)

 

In addition to your signature, it must show a credit limit and the applicable rate of interest - it shows neither. This is the form you completed when you applied for the card.

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That's what i thought and was a bit suss when they explained what my limit was in the cover letter as they know it's meant to be on the bit I signed. I'm a bit surprised though as it's a fairly new card, only started in mid 2004.

 

There is only thing confusing me which I'm hoping someone can clear up.

 

I have 3 lots off CCA documents at the moment all of which appear to be application forms but where I've signed it, just above it says:

 

'This is a credit agreement regulated by the Consumer Credit Act 1974. Sign only if you wanrt to be leagally bound by it's terms'.

 

I guess I now fire off the letter about how it's not the correct document and they have so many weeks to provide the proper one?

 

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If they don't have the prescribed terms, they are not credit agreements. There are lots of posts around that state what the prescribed terms are. Some advocate sending off letters giving a full account of why they are not credit agreements but I keep it simple and just state that what they sent is not a credit agreement and they remain in default. Then I just ignore them because there is nothing they can do if they don't have an enforceable credit agreement. There is time enough to quote the relevant legislation if they ever take you to court. They won't if they don't have a legal agreement because they need to produce the original in court.

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Pinky

 

This is an application form but it looks like some of the perscribed terms are in the 2nd Doc.

 

If these where on the back of the application form it may be an issue.

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Is there a date on the T&Cs anywhere - usually bottom right corner. B'card sent me copy of application form from 1996 and T&Cs dated 04/07;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Is there a date on the T&Cs anywhere - usually bottom right corner. B'card sent me copy of application form from 1996 and T&Cs dated 04/07;)

 

 

In the bottom it says ICR/A/0604 which I take it is June 2004? The card was took out in August 2004.

 

Do you think it's ok to send them a letter saying it doesn't contain certain points such as credit limit and until they produce said document I shall be sending token payments?

 

Or should I just send an I&E form to Mercers and get a payment plan sorted?

 

 

Thank you for pointing out where the date is on the T&C's though! That's made my NatWest account even more fun to deal with!

 

 

Comments on these documents would be appriciated too :)

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/127409-tesco-cca-documents-enclosed.html

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Pinky

 

This is an application form but it looks like some of the perscribed terms are in the 2nd Doc.

 

If these where on the back of the application form it may be an issue.

 

 

these documents were in another thread but have been moved here on to it's on thread and originally was having help from pt2537 and he commented on the crease mark on the application form.....could this have something to do with what you are saying?

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Conflicting posts so not sure where to go with this one!

 

I'm quite happy to make a payment plan with them. The whole idea of doing these requests was to get my monthly payments lowered. I am currently unemployed while looking after our daughter fulltime and they were wanting £90 a month which we just do not have spare.

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Surely then your options are :-

1) Accept the docs they've sent you,as ENFORCEABLE,therefore I cannot see how you can use that to reduce payments,and are no further forward than when you started.....OR

2) Accept the docs they've sent you as UN-ENFORCEABLE.therefore you can legally make no payments.......OR

3) Accept para 2 above,but for moral reasons(ie you will happily pay) wish to make only repayments you can afford.

 

Reading between the lines,would assume that option three would sit better with yourself..in which case you just have to make the DCA see that.

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They've written that 'this completes our obligation to supply...' - so it's a bit of a con, just like my two. FWIW, I think I have to reply to say 'Well no it isn't...' as formally as possible. I want to keep paying too, but want a line drawn in the sand. No more DCAs!

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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The second document is the Terms and Conditions. The prescribed terms missing are the credit limit and the rate of interest on the account. These must be on the same page as the signature of the debtor.

 

Arguments seems to go around in circles due to the complexity of the Act and Regs which I'm trying to understand as much as possible. Could you tell me where it refers to the prescribed terms being on the same page as the signature?

Slartibartfast

PRS - Semi-retired

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The second document is the Terms and Conditions. The prescribed terms missing are the credit limit and the rate of interest on the account. These must be on the same page as the signature of the debtor.

 

This IMHO this incorrect.

 

If the Perscribed terms are on the reverse of the document then you could have a problem.

 

HAK

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I don't know whether this helps or just confuses more, but it is based on my (albeit limited) understanding of The Consumer Credit Act 1974 and The Consumer Credit (Agreements) (Amendment) Regulations 2004.

 

Parliament regulates the contents of the form through s 60 CCA 1974, delegating authority to the Secretary of State.

 

The Consumer Credit Act 1974

60 Form and content of agreements

(1) The Secretary of State shall make regulations as to the form and content of documents embodying regulated agreements, and the regulations shall contain such provisions as appear to him appropriate with a view to ensuring that the debtor or hirer is made aware of—

(a) the rights and duties conferred or imposed on him by the agreement,

(b) the amount and rate of the total charge for credit (in the case of a consumer credit agreement),

© the protection and remedies available to him under this Act, and

(d) any other matters which, in the opinion of the Secretary of State, it is desirable for him to know about in connection with the agreement.

 

61 Signing of agreement

(1) A regulated agreement is not properly executed unless—

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

(b) the document embodies all the terms of the agreement, other than implied terms, and

© the document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible.

The actual form is then set out through the Consumer Credit (Agreements) Regulations 1983 (As Amended). Please note the links are to the 2004 SI that amends it as I didn't have a publically accessible link to the 1983 Regulation to hand. Please see the relevant SI and Schedules for more information.

 

The Consumer Credit (Agreements) (Amendment) Regulations 2004

 

[The substitutions referred to start at r 4 of the 2004 SI, the numbering below refers to r 2 of the 1983 SI, ie r 2(4)]

 

(4) Subject to paragraphs (5) and (9) below, the information, statements of the protection and remedies, signature and separate boxes which this regulation requires documents embodying regulated consumer credit agreements to contain, shall be set out in the order given by paragraphs (a) to (f) below under, where applicable, the headings specified below -

(a) the nature of the agreement[...];

(b) the parties to the agreement[..];

© under the heading "Key Financial Information", the financial and related particulars[...];

(d) under the heading "Other Financial Information", the financial and related particulars [...];

(e) under the heading "Key Information" -
(i) the information set out in paragraphs 20 to 24 of Schedule 1 to these Regulations; and

(ii) the statements of protection and remedies[...]; and

(f) the signature box and, where applicable, the separate box required by paragraph (7)(b) below;
I hear about issues with the placement on the front or back of the sheet. As the text required and the order in which is it placed is mandated by legislation, how would the placement issue give rise to an argument as long as they followed the directions in the SI? It would take us to a point where the font-size must be small enough to fit everything on one page, potentially making it 'not properly executed' as it is not 'readily legible' under s 61(1)© CCA 1974 quoted above! What about partially-sighted people who may require extra large print?

 

I am not trying to pick holes but I am genuinely interested as to any case law that I missed when looking at this. Please be gentle if I've missed something blimmin' obvious :rolleyes:

What the law 'is' and what I think the law 'is' often differ. Always do your own research and take legal advice!

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JB that is a brilliant observation. They have to fit so much in that the small print becomes illegible so the agreement is unenforceable anyway. So the Consumer Credit Act creates a lose-lose situation for the creditors.

 

They need to buy some A3 paper.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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JB that is a brilliant observation.

 

Flattery gets you everywhere :D

What the law 'is' and what I think the law 'is' often differ. Always do your own research and take legal advice!

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There is no credit limit or interest rate on this document and it is clearly an application form. To be precise, the signature has to be on the same section as the prescribed terms ie the credit limit and interest rate - whether it is over the page or not is academic as long as it is in the same section ie the section that contains the prescribed terms. What they have sent is not a credit agreement.

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Thank you for the clairification, that makes a lot of sense.

 

I was not questioning whether the document constituted a CCA. I was intrigued why I kept hearing people say the signature had to be on the same page. From your explanation I can see why they may have that idea.

 

I might not be much help but I certainly am learning a lot around here :D

What the law 'is' and what I think the law 'is' often differ. Always do your own research and take legal advice!

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Interesting. There is a part in the Regs 1983 that adds to where the above quoted 2004 amendment talks about order:

"...and such information, statements of protection and remedies, signature and separate boxes shall be shown together as a whole and shall not be preceded by any information apart from trade names, logos or the reference number of the agreement or interspersed with any other information or wording apart from subtotals of total amounts and cross references to the terms of the agreement."

 

Still trying to piece this all together.

Slartibartfast

PRS - Semi-retired

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