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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/Weightmans Advice


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It seem the left hand doesn't know what the right one is doing with regards to HFC and weightmans.

 

Could you not contact HFC by letter requesting the outstanding balance figure? That way at least you know what you owe from the horses mouth as it were, and maybe at the same time send a token payment as Rory suggests telling them that you have very little disposable income and that is all you can afford at this time, you could also include a statement of means showing just how little income you have to play with.

 

At least it shows willing and if it does come to court the Judge will at least see that you are prepared to deal with the issue with the limited resources you have.

 

Hope this helps

 

Mick

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Hi mazel01,

Dont worry sbout the amount, i have had 4 different values of my loan, all of which are wrong, when you get yoy SAR back it should state on that info, you could also send away for you credit report as this will show you what balance the loan has left. I,ve just started on weightmans and they want new info on me and said that i owed £37,000 which calculates to 3.5 x the original loan amount with PPI at nearly £5000, make sure your SAR is exactly what it is supposed to be as what they sent me was basically a list of telephone cal logs, they are basically refusing to supply me with SAR so after the ICO i'm goig to court....i cant stress enough....IF YOU CAN GET THE CORRECT INFO then you can apply your defence....If you cannot get the requested information they are legally abliged to give you then you can file an order through the courts and claim comp for non-compliance of SAR regarding PPI.

 

Chin up bud, and keep your wits about you coz they are b*****ds.

 

Regards Gordon

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Please could someone help me on this, I am shaking like a leaf...

 

Received letter from HFC this morning enclosing statement of account but no other information although I SAR'd them.

 

Also received a letter from the courts via Weightmans that they have started legal proceedings against me.

 

I was fuming so I rang Weightmans and spoke to someone who said that they were entitled to issue legal proceedings against me. I told them that I had only received a part answer to my SAR from HFC and the account was in dispute. She said well thats nothing to do with Weightmans we can issue proceedings when we want to and have done. I said thats totally incorrect & illegal what you have done.....she said no HFC haven't told us that the account was in dispute so therefore we have issued these proceedings......after 20 minutes of talking to a brick wall I slammed the phone down......

 

PLEASE HELP I AM SO WORRIED & STRESSED!!!!

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Forgot to mention, when I rang Weightmans, I only gave my account number & they started talking about my account.....

1) The first guy I spoke to only asked me for my account no.

2)Then he put me through to someone else, who again didn't ask me for any personal details

3)Finally he put me through to the head of the dept, again no personal details were asked from me.....

 

I thought that solicitors have to follow DATA PROTECTION????

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Hi Sequenci, according to Weightmans they have never been told that the account was in dispute and have sent me a statement of account..should HFC have told them that I had sent a SAR to them and therefore the account is in dispute until they provided me with this information. Weightmans reckon not, they say that they have an agreement in plave to issue procedings when they feel suitable????

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Oh, when I asked Weightmans on the phone why the figure they are claiming was totally different to the one on the statement from HFC. There answer was it should be the figure that was on the default notice that HFC sent originally....I am so confused:confused:

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Hiya Maz... got your PM :)

 

Unfortunately, HFC are not shy in issuing proceedings against people but there's plenty of good info. on some of the other HFC threads re. Weightmans and the tactics they like to use. Unfortunately, although you have disputed the balance and sent a SAR, the SAR won't have placed the account "in dispute" as such... only a CCA request will do that and since they you've said earlier that they supplied an enforceable Agreement.... the account is no longer in dispute through non-compliance. I assume this is why they've gone ahead and contacted Weightmans.

 

You say that HFC supplied you with a Statement of Account... what's the figure on there ? What was the figure on the Default Notice (if you have it available) ? Are they the same ?

 

You say that you've received a letter from the courts Via Weightmans... what do you mean ? Are these court documents or is it just a letter from Weighmans threatening court action ?

 

:)

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Hi Priority, the amount on the statement of account is £9200.

 

I have got 2 default notices:

 

1) Sep 06 - Outstanding balance =£9877.53

Less Statutory rebate allowance = £1893.86

Oustanding balance = £8415.99

 

2) Feb 07 - Oustanding balance = £17643.41

Less statutory rebate = £7898.75

Amount to be paid = £9744.66

 

The letter that I received said that legal proceedings have commenced and I would receive the court papers shortly.

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You have 2 Default Notices ?.... they can't default the same account twice.

 

If court papers have already been filed though, you're best to wait for these so that we can look at the Particulars of Claim.... and see the balance on there. I assume that there'll be a whack of unlawful charges on there as well.

 

Rory32/pt2537 (Paul)/tomterm8 (Tom) are the legal bods. that can help the most when things reach this stage.... so it may be best to PM one of them to look in on the thread at this stage.

 

Please try not to worry.... :)

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No... you cannot end (default) an Agreement twice. HFC did this to me recently and I made an official complaint. Under the circumstances, I would wait for one of the legal bods. to advise whether you should make a complaint about this now... or wait and mention it as part of your Defence.

 

I would be inclined to wait.... :cool:

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Did the default notices come from HFC or Weightmans?

 

I think it would be a good idea to send Weightmans a letter headed ACCOUNT IN DISPUTE outlining why the account is in dispute. Also make an official complaint to them. Send recorded delivery so that they can't deny that they received it.

 

While this may not stop them from filing a claim against you it removes any excuse that they were ignorant of any dispute and starts to build a case against them. Really you need to stop speaking to them on the phone - it is a pointless exercise and phone calls can always be denied.

 

If you need help with the letter let us know.

 

Try not to overly worry about this. If they file at court (this isn't a given as often DCA's will inform you that your account is being prepared for legal action when in fact it isn't) then you will have a good defence for any claim against you and they will be forced to supply you with all the account information including PPI and charges.

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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ACCOUNT IN DISPUTE

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sir/Madam,

I refer to your letter of **/**/**, in which you advise of your intention to issue court proceedings with regard to the outstanding balance of my loan.

 

 

As you are aware, this account and the balance thereof is currently subject of a dispute. I can only assume your letter has been sent in error, as you must surely be aware that action such as that you propose would constitute breaches of the banking code. This matter has been discussed in correspondence with your clients ********* department and on **/**/**

 

Additionally, this action you propose is clearly quantifiable as retaliatory due to my own claim against your client to recover unlawfully levied penalty charges and PPI. To proceed as you have indicated would therefore be contrary to the statement of the Financial Services Authority of 6th July 2006 in which it ruled such action to be discriminatory. I also believe this action to be tantamount to a sanction imposed merely for pursuing my legitimate right of seeking a judgement from a court.

 

 

I trust your client is committed to upholding the standards of the Banking Code to which it subscribes, and would not hold its regulator, the FSA, in such contempt as to ignore its 6th July statement.

 

 

I will allow you 7 days to reply to me, in writing or by Fax only, withdrawing the threat of action imposed in your letter of **/**/**. If you do not do so, I will draw your client’s transgressions to the attention of the Financial Services Authority and the banking code standards committee, by making formal complaints and enclosing copies of all recent correspondence.

I look forward to your prompt response.

 

Yours faithfully

...

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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Thanks Rory. This is to go to Weightmans recorded delivery?

 

Weightmans said that legal proceedings had already commenced & the court papers will arrive within the next few days. So I presume that I ammend the letter you kindly posted above to mention that.

 

Also if they have already started legal action & I send this letter, can they still withdraw it?

 

Do I need to change 'banking code' in the letter to anything else or does HFC fall under that for a personal loan?

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This is to go to Weightmans recorded delivery?

 

Yes, although special delivery would be better if you can afford it.
Weightmans said that legal proceedings had already commenced & the court papers will arrive within the next few days. So I presume that I ammend the letter you kindly posted above to mention that.

Yes just amend the letter to reflect that.
Also if they have already started legal action & I send this letter, can they still withdraw it?

Yes they can withdraw the claim at any point right up to the actual hearing.
Do I need to change 'banking code' in the letter to anything else or does HFC fall under that for a personal loan?
No you don't need to change it. HFC subscribe to the banking code.

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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This matter has been discussed in correspondence with your clients ********* department and on **/**/**

 

Is this referring to the SAR that I sent HFC?

 

As you are aware, this account and the balance thereof is currently subject of a dispute.

 

Rory, when I spoke to Weightmans today, they said they were not aware of any dispute and hadn't been informed from HFC that there was one. I told Weightmans that I had sent in a SAR to HFC but had only received a statement of account back. Is it still ok to include this section in the letter?

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