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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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Banking giant blocks 160,000 customers' credit cards in crackdown on out-of-control d


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EXCELLENT-THIS IS MASSIVE

I think it is knowing that most of the consumer credit agreements are invalid and to avoid people owing even more to credit cards before they find out their agreements are possibly invalid.

 

Maybe these accounts have been investigated by the credit company and found out they are invalid before the consumer has found out-if the account is closed you cannot request a CCA (i think)

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I think it is knowing that most of the consumer credit agreements are invalid and to avoid people owing even more to credit cards before they find out their agreements are possibly invalid.

 

Really? Egg are the best at supply agreements that are enforceable, in fact I haven't seen one that is outright unenforceable. Perhaps you might take a closer look at who now owns Egg.
Maybe these accounts have been investigated by the credit company and found out they are invalid before the consumer has found out-if the account is closed you cannot request a CCA (i think)
You can request a copy of the agreement when the account is closed. They don't need to supply a copy of the agreement only if no sum is owed on the account or will become owed.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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On moneybox it was reported that many of accounts cancelled are actually the ones that are paid off at the end of the month.

 

It would seem they are cancelling those accounts which they dont make any money out of...

 

This report is at the end of the show.

 

BBC iPlayer - Radio - Radio 4

 

I heard this too. In fact I know someone who pays their balance off each month (he's a lawyer who usually pays days before any payment is due) who is having his card cancelled - He has intimated that if this unwarranted action by EGG effects his excellent credit rating he WILL immediately sue them for defamation - As it is he has reported them to the FSA for what good it will do- Incidentally Angela Knight (probably the most hated woman in the UK) thinks it's a good idea - so that's OK then

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From Westminster to banking politics

Name: Angela Knight CBE

Age: 56

Career history: Graduated in chemistry from Bristol University and began working for Air Products, an American industrial gas company. Co-launched Cook & Knight Metallurgical Processors, an engineering company, where she was chief executive. Sheffield City councillor, 1987 to 1992. Elected Conservative MP for Erewash in 1992. Economic Secretary to the Treasury from 1995 to 1997, when she lost her seat. Chief executive of Association of Private Client Investment Managers and Stockbrokers, 1997 to 2006. Became chief executive designate of the British Bankers Association in January 2007. Non-executive director of LogicaCML.

Hobbies: Walking, skiing, music, books.

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Excellent news. About time somebody took a stand.

 

All we ever here about is how the poor unfortunate debtor was encouraged to spend money because of easy credit. Now they are moaning because they cant get it!

 

As for that lawyer, GET A LIFE. How on earth will it affect his credit rating? What a knowledgeable lawyer he is...not.

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From Westminster to banking politics

Name: Angela Knight CBE

Age: 56

Career history: Graduated in chemistry from Bristol University and began working for Air Products, an American industrial gas company. Co-launched Cook & Knight Metallurgical Processors, an engineering company, where she was chief executive. Sheffield City councillor, 1987 to 1992. Elected Conservative MP for Erewash in 1992. Economic Secretary to the Treasury from 1995 to 1997, when she lost her seat. Chief executive of Association of Private Client Investment Managers and Stockbrokers, 1997 to 2006. Became chief executive designate of the British Bankers Association in January 2007. Non-executive director of LogicaCML.

Hobbies: Walking, skiing, music, books.

& telling porkies:-x
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If egg close the account, and there is a balance still outstanding, will they be able to continue charging high rates of interest?

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I was wondering about that Docman. If I had an Egg card :D and they did that to me I would insist that no future interest was charged. I would certainly treat the o/s balance as very low priority.

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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Perhaps we can expect about 160,000 new members all of whom will be seeking ways of having their agreements made unenforceable:D

 

I think Egg have, not for the 1st time, really shot themselves in the foot particularly as they are actually bragging about what they are doing:eek:

 

At the very least I think it's going to be a public relations disaster

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What will be interesting will be to see if this starts a domino effect and other banks follow Egg's lead.

 

What I don't understand is that, as has been said above, a lot of the people who's cards have been cancelled were total balance payers so one can only say they're being cut off because they're not profitable customers.

 

What I'd like to know is what are the repayment terms if Egg shed you? Is the customer able to repay over as long a period as they want, or are they capping the repayment period? If it's capped and more banks follow Egg's lead this could potentially leave some people in massive financial problems.

 

I've got an Egg Money card (zero balance) and not received one of these letters, but I'm going to cancel mine anyway. Consumer power I say!

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Where is creditor loyalty? They lend you money, you try to avoid paying. Someone offers lower interest charges you swap. It works both ways.

 

Extracts from a certain financial institution's T & Cs:

 

creditor - 'us' or 'the Bank'

 

loyalty - '???' word is not known or does not appear in agreement.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Rory Bremner this morning:

 

"How would you like your eggs dear, scrambled, boiled or cancelled?"

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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Since requesting a cca from arc europe who were a dca working for egg. I have not heard from egg or any dca concerning this account. Initially arc europe were rude and would not take my request seriously. But finally they gave in and passed the account back to egg.

Maybe egg have realised with their on line application and no further paper work, that they are up the creek without a paddle! My heart bleeds for them!

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1x1_blank.gif Debt Purchase

 

The sale of overdue debt has long been a part of the credit and debt management process in the US, where over USbn of consumer debt is traded annually. In the UK, it is a relatively young market and one that is growing rapidly

Leading the pack

1st Credit has played a major part in the growth of the debt purchase market in the UK having spent over £300m since 2002 purchasing portfolios which have a face value in excess of £3bn.

1st Credit purchases uncollected consumer debt at a discount to face value from lenders, including banks, credit card companies, utilities and retailers; 1st Credit’s expertise lies in working with the credit originator to evaluate the optimal solution and thereafter carrying out the recovery process in a manner that underlines and befits our leadership.

1st Credit seeks to purchase accounts across a wide range of consumer debt from:

  • An early stage in the cycle - sometimes as early as 30 days overdue - through to very old and tired debt, normally written-off.
  • Banks, credit card companies, finance houses, telecommunication companies, utilities and retailers.
  • Credit cards, secured and unsecured loans, hire purchase agreements, bills, overdrafts, revolving credit, ...

1st Credit has an exceptionally strong balance sheet and robust cash flows, supported by the backing of its investors, Bridgepoint Capital, the private equity house, Barclays Bank and Citibank. This financial strength allows 1st Credit the flexibility to enter into a wide variety of debt purchase agreements, whether forward flows or spots, substantial or smaller

transactions.

1st Credit

 

Not forgetting DLC - as in Direct Legal and Collections:

Why is Citi 'A Principal' of Hillesden (DLC)?

The FSA Register cites CitiFinancial Europe PLC as a 'Principal' of Hillesden Securities - Direct Legal and Collections is Hillesden's 'trading name.

 

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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:D Ren.

There's more:

Purchase Power

 

 

 

 

 

1x1_blank.gif1x1_blank.gif

1x1_blank.gif 1st Credit has an exceptionally strong balance sheet and robust cash flows, supported by the backing of its’ investors, Bridgepoint Capital, the private equity house, Barclays Bank and Citibank. This financial strength allows 1st Credit the flexibility to enter into a wide variety of debt purchase agreements, whether forward flows or spots, substantial

or smaller transactions.

debt_purchase_graph.gif Why sell debt?

Selling consumer debt to 1st Credit earlier in the cycle provides clients with:

  • Immediate returns on overdue debt
  • Certainty of financial planning
  • Reduced operating costs from administration and collection of debt
  • Ability to focus on core business and free up workforce
  • Reduction in cost of capital as loan resources no longer required
  • Direct bottom-line benefit for written-off debt

They don't do their links well. So if you want to see the original, go to their web page here:

1st Credit

then click 'Services' on the left, and then 'Debt Purchase'.

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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