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    • 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?  
    • 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.  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 if paid promptly).  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 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 2) 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. 
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Dotty v Lloyds TSB loan account


Dotty111
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Hi

I have been having problems with TSB for over 12 mths. They started when they made me overdrawn (their fault) by paying a DD for £600 twice!(and on two occasions)

Anyway it spirraled from there, they charged me (what a cheek) and refused to admit it was their fault. Eventually they did and paid me £100 compensation but by that time the charges were in excess of £500 they refused to refund these so i am in the process of claiming them back. I changed accounts eventually because all of my salary was being eaten up in charges. However I still had an outstanding loan with TSB which I paid by DD but when i changed to my new bank they refused to accept the DD from them saying that it could only be taken from a select account as this was the terms of the loan (how stupid) after months of fighting and getting nowhere I eventully had to transfer money each month from my new account to the old TSB account which was a pain and also cost me! this has been going on for months until eventually in December TSB decided that they were no longer going to accept my money transfer and sent it back!!!. Also I was still getting my child benefit and tax credits paid into the tsb account which covered half the loan but guess what they will no longer accept these credits either. so i now have no means of paying the loan. Also there is an outstanding overdraft of £200 on the account which they want repaying but when i sent this amount through last week guess what they sent it back. Oh well fun and games and a few letters winding their way to them and the DCA cronnies.

Mrs H

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Cant remember at the moment who the DCA are have a couple on go at mement and not got paperwork with me but will check tonight. (either first credit, credit solutions or BLS) Had a few letters from them in past week or so but yesterday sent off a CCA request. Also sent off SAR as the amount has increased so they have been adding charges i think. Loan is 4 years old was taken out over 3 years ago for £9,000 but still a balance of over £5,000. I have made payments religiously of £301.00 pm up until about 3 months ago when they started messing about with the payments so even with my crap maths abilities the figures don't add up. I suspect that PPI has been added but i know i specifically said i didn't want this as we were trying for a baby at the time and the advisor told me that ppi did'nt cover maternity leave and as i intended to take 12 months off there was no point in taking it out as for normal sick leave i am paid anyway so it will be interesting to see what the agreement shows - thats if they produce one.

Mrs H

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  • 3 weeks later...

Well Lloyds TSB have gone into default with my loan CCA request, their 12 days are up. They have cashed my cheque but no agreement forthcoming. Still have plenty of time left on S.A.R. request but have not even had an acknowledgment to my letter. How rude since their DCA have been writing to me demanding a response(by phone) oh well another waiting game i suppose.

 

will keep thread updated

 

Thanx

Mrs H

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  • 4 weeks later...

Dum de Dum still waiting. Lloyds TSB have now committed an offence yipppeeee. (15th March) they are also in default on my S.A.R as of 9th March. Not sure what my next step should be should I just sit tight or shoul i be considering doing some more letters. Have never really got passed this stage before with any of my accounts so am a bit uncertain as to what to do now. Any advice would be great

 

Thanx

Mrs H

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  • 2 weeks later...

no I have had nothing at all it has gone surprisingly quiet, don't know if this is good thing or what but I am £300 per month better off as I am not paying the loan repayments. They are not even chasing me for these.

Mrs H

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  • 1 month later...

what a cheek. after receiving no response or credit agreement or copy statements from BLS they have written to me again. Bearing in mind that they are in default under both CCA and DPA. They have written as follows

 

We wrote to you recently requesting that you brought you payment programme up to date (didn't have a payment programme!!) and you have not made contact with us.

 

As you have failed to contact us you must now pay the balance in full or telephone the above number immediatley.

 

Failure to do so will mean we will have to consider making contct with you by telephone(they already have by the way) or considering whether a personal visit is required. (tell me when and i will have the kettle on)

 

Yours sincerely.

 

bearing in mind that my S.A.R. and CCA request was sent by Rec Del signed for and the cheques cashed how can they say that I have not been in contact with them. I feel like I am going round in circles a couple of months of quiet then an onslaught of letters and phone calls. I have obviously sent back a letter to them pointing out their failures, to what good that will do I don't know. Oh well onwards and upwards.

 

Thanks for listening

 

Lady H

Mrs H

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UNBELIEVABLE. A week after sending the DCA a scathing letter pointing out all of their failings i.e defaults over CCA request and S.A.R not to mention the telephone calls I have today had another letter from them. One of their churned out letters please contact us as a matter of urgency blah blah blah.:evil: Are these people stupid! no don't need to answer that one. I know there are some really great witty but to the point letters floating round the forums so I am going to spend some time looking for an appropriate one to sent them. In the meantime if anyone has a quick link to one I would be grateful for any help.

 

Thanks x

Mrs H

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Tremendous. Today another threatning letter arrives from the DCA. "You have not responded to any of our letters blah blah .....we will now have to enforce payment by one of the following ways etc. Can anyone out there help me with the next stage, I think that I have written every appropriate letter to them now so I am at a loss as to what to do or write next.

 

anyone please

Mrs H

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Hi Dotty,

 

Did you send the SAR and CCA request to the DCA or the bank.

 

Just wondered if the DCA may have banked the £10 and/or £1 cheques against the debt.

We could do with some help from you

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Dotty - I had a similar thing to you regarding PPI - much to my tremendous amazement a guy in branch helped me make the phone call to find out what the ammounts were - there is PPI and the little darlings WILL be giving it me back - it shouldn't be there as I was a student when the loan was taken out so it was agreed it wouldn't be there

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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I have Apex chasing me BTW - I am currently temping until a full time position kicks in so haven't been able to make payments - they tend to go quiet then i get a couple of calls and it seems to be good cop bad cop - someone who is easy to fob off then someone who is a bit abrupt but sounds alot more confident but still spouting completed crap

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Hi slick123

 

I sent the chqs to the bank and after they were cashed the DCA started chasing me. I not so politely pointed out that account was in dispute etc and they should not have been chasing this account. Put all the usual legal jargon in and they wrote back very put out that they had not been told by tsb that account was in dispute etc and how were they to know I had requested these docs etc.(not my problem pals) they said they would put the account on hold and get back to tsb. Lo and behold no statments for loan as requested and no CCA but they continue to send me enforcement letters.

 

Red vixen have you claimed back your PPI yet. I am sure they have added this on to my loan account as the figures don't add up. Although I can't check this yet as they are in default of my S.A.R Still saving myself £300 per month in loan payment so their loss

Mrs H

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Dotty try calling the loan centre - I got the figures form them with no problem - I also still have my CCA so I can see it was added though I didn't read it properly when it first arrived and didn't spot it. I basically just asked them to confirm the loan amount and any PPI that had been added - Lloyd's seem to do the single premium up front PPI as well which is expensive and apparently the easiest to claim back

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Dotty,

 

It really would be better if you have just the one thread for this subject. People posting here or on your thread in the Debt forum may only see part of your case history and you'll end up getting less accurate advice.

 

Please stick to just one thead for this subject from here on.

 

I'm subscribed to both threads just now so, if you don't get other answers, I should be around to help if I can.

 

Thanks for your co-operation. ;)

We could do with some help from you

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will do sorry about that. i have just posted a reply on the debt thread but from now on will stick to this one. There are enough threads on here without me confusing things even more:roll:

 

Today I am sending a S.A.R for my TSB current account which the loan was origionally coming out of. They are already in default with regard to my loan account S.A.R. so I am not holding out much hope . I know that I can issue proceedings for non-compliance but I was thinking of waiting to see if they comply with this request first and if they don't issue for non'compliance of both at the same time.

 

Will keep u updated.

Mrs H

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  • 2 weeks later...

well received another letter yesterday from BLS

 

Dear Dotty

 

Thank you for your letter dated 14th May 2008. Unfortunatley your previous letter does not appear to have been received. (this is an out and out lie as you will see from my reply). Please also note that we are not aware of any dispute with TSB.

 

A copy of the origional loan application together with statements for this and your bank account have been requested today. and will be forwarded to you shortly. In the meantime we do require further details of your concern and until we are in receipt of this information the balance remains due and payable ( what!!!)

 

Yours sincerley

 

here is my response to them

 

 

BLS Collections

Oxford

 

Dear sirs

 

 

Your Client Lloyds TSB

Acc No xxxxxxxxxxxxx

I refer to your letter dated 2nd June 2008. Firstly I am extremely surprised and concerned that you claim not to have received my previous letter dated 28th January 2008 even though this was send recorded post and the Royal Mail tracking system confirmed that it had been signed for!

 

Call me cynical but it does appear somewhat strange that the only letter that you do not appear to have received is the one containing my statutory requests under The Consumer Credit Act and The Data Protection Act. I would also like an explanation as to how the cheque in the sum of £11.00 which represents the fees payable for requests under the above Acts and which I forwarded to you under cover of the letter “you did not receive” was cashed on the 11th February 2008. Given your record however of avoiding answering any questions put directly to you I won’t hold my breath waiting for a response to this one though I doubt a District Judge would be so lenient.

 

I state again this account is in dispute and has been since at least 15th March 2008.

 

You also appear to be under some misguided illusion that despite the account being in legal dispute you still have the right to try and enforce the account and I quote from your letter “we require further details in respect of your concern and until we are in receipt of this information the balance remains due and payable.” Perhaps you can point out to me the part of the Consumer Credit Act that states this.

 

The Act gives the consumer the right to see their agreement at any time. This is section 78. The thing about section 78 is that it gives 12 days to supply the document requested, if the agreement is not supplied in that timeframe then you CANNOT enforce the agreement. After a further 30 days they have committed an offence therefore you have been in criminal default since at least the 15th March 2008. May I suggest that you read S.78 in its entirety and pay particular attention to par.6?

 

If however it is still you intention to continue pursuing this account I strongly advise that you take legal advice before continuing. Any further requests for payment will be met with legal action for harassment under the 1997 Protection from Harassment Act.

 

I urge you to read the whole of this letter very carefully and expect a rapid response from you.

 

Yours sincerely

 

DOTTY

 

Could any of you clever bods out there have a quick look at this for me before I send it I would be grateful ta xx

Mrs H

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Hi Dotty,

 

The letter looks fine.

 

My only query is you told us you sent the £11 fees to the bank, I assume with the SAR and CCA request.

 

So is it possible the bank got the letters and the DCA knew nothing about it.

We could do with some help from you

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No I was mistaken and I have checked back through my letters and it was on my TSB credit card that I sent the request to the bank.(still waiting for this also they are in criminal default)

This request was sent to BLS on 28th January I have a copy of the letter i sent requesting both CCA and S.A.R. i have the recorded delivery receipt attached to it so they can't say they never received it.

Mrs H

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Then fire it off. :D

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Well on Friday I received all my statements for my current account from Lloyds TSB. This is surprising as I had not yet sent a S.A.R. for this account only for my loan account. Anyway the statements dated back to 2001 and up until the time that they made the mistake of paying my DD/SO twice I had never once been overdrawn was actually quiet proud of myself!.

 

At a quick glance there is about £650/£700 in charges which I will obviously be claiming back. Now at the end of the statements it reads that in December 07 the account was about £279 o/d. There is then an entry which states Tfr to CID which I assume is their collections department and then a credit entry which is identical to the amount of the overdraft which therefore leaves a nil balance on the account. The next entry for the same day reads "account closed. Now I know I never requested that the account be closed as I was still using it to pay my loan and I never received any notification from the bank that they were going to close it I am sure they should have given notice so I am going to look into this before I respond to them. But first to get my claim in for the charges. By the way still no sign of my CCA or S.A.R. request for my loan account.

Mrs H

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