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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).
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Came across this site very recently so thought I’d ask for some advice.

 

Have roughly 60-70k worth of unsecured debt – virtually all credit cards but one loan too. It’s all spread out over roughly 7 or so cards. On all of them I am way off the credit limit but because over the years I’ve never missed a payment on any of them they kept putting my credit limits up. Never been that good at finances and this has now come to a head to failure of my wife’s business and the resultant loss of her income.

 

We’re fully up to date on all secured/priority debts such as council tax, mortgage and hp for the car we own. In fact, never missed a payment on any of them. I have secured employment grossing roughly £39k a year.

 

Our house is owned although in negative equity due to a pattern of remortgaging over the years. Recently, prices in the area have slumped too. Statements can prove this. Also, have an endowment running that’s worth next to sod all. Other than that no savings other than occupational pension.

 

Have an appointment with the CCS this Tuesday. Have roughly £350 spare income per month. Things came to a head just before Christmas when I was at that time unable to meet the payments on the card for the first time. NatWest (current account bank where salary is paid into) have been awkward. They have stung me for massive charges when direct debits have been refused etc. Anyway, I can get the charges back? Similarly, the credit card companies are racking up the interest and the penalties.

 

Getting phone calls every five minutes and letter (some of which are in hand written envelopes) saying collectors will be calling blah, blah. Have unopened mail and to be honest I’m now very scared by whole situation.

 

I have a series of letters prepared for posting that inform the companies that I’m in difficulty and seeking advice from the CCCS. I’ll also enclose a postal order for £1 to each one.

 

I could really do with someone advising me as to the best strategy from here on in terms of what and when to do things/send letters etc. Would it adversely affect my standing with the CCCS if I CCA’d the credit card companies while at the same time seeking their [CCCS] advice?

 

In desperation, Matt

:(

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Hello there Matt & welcome to CAG :)

 

First of all, there are lots of us on here who have been through a very same situation (myself included) and we will be only too happy to help you and support you.

 

I haven't dealt with the CCS myself so I'd need to know the answer to your last question before I advise you what to do, but if you are in a position to CCA all these creditors then I can certainly help you from there on in. Hopefully my reply will "bump" your post up and someone will be able to tell us the situation if you are with the CCS.

 

A few little tips I can give you now though - first of all, I know its easy to say it but please try not to worry. If all those debts are unsecured and you are managing to make your priority payments (mortgage, council tax, utility bills etc) then that is the main thing. Your priority payments MUST come before any unsecured debt.

 

I would get some folders or envelopes and put the information about each creditor separately as this will make life easier later on when you start to deal with each one of them.

 

Its important not to deal with any of them over the phone. You said that you are already getting lots of calls and I know only too well how that feels :( From now on simply tell all of them that you do not discuss financial matters over the phone and they should write to you, then put the phone down. They will still keep phoning but it puts YOU back in control and not them, which is very important to how you feel emotionally. Keep all letters you receive from them in your folders.

 

I am thinking of you and sending you oodles of positive supportive thoughts. I'll keep watching your thread and I know that other CAGers will come in to help you too. All is not lost, there is a light at the end of the tunnel.

 

A year ago I was being chased for over £55k in alleged debts by 13 companies :shock: Now I only have 3 of them who are persisting in chasing me and I'm well in control of what they are all up to. It will seem very daunting to you right now, but it does get easier I promise you.

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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It may be beneficial for you to complete a budget sheet. Theres an excellent one on the National Debtline site that breaks everything down for you and shows you how much you have left for creditors after essentials have been met. It also breaks down how much to offer each creditor. From some of the comments on this site regarding CCCS, whilst they were very good it appears that they are slipping a bit. You can take control of writing to creditors yourself. There is a letter in the letter templates.

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Hi there, have you thought about contacting the National Debtline? they do marvelous work and will be able to give you good advice on where to start etc.

 

National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

 

You will also get lots of support and advice from others on this forumwho are or have been in similar situations and this will be invaluable to you as you progress.

 

Please let us know how you get on.

 

Kind Regards

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thanks guys,

 

Will sort out all the companies into folders and then CCA them all. The cards, some of them anyway, are over ten years old now - could be interesting.

 

If the worst comes to the worst I could go down the IVA route. However, I've heard that the creditors can insist on equity release down the line anticipating an increase in the value of your property - who would lend the 'equity release' to me I don't know. Could they also insist that I stop contributing to my occupational pension too?

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Well, if you have negative equity, Bankruptcy MAY be a better option than an IVA, but you can discuss that kind of option once you know how many enforceable debts there are.

 

Were the accounts subject to charges? You should be able to reclaim these back.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Make sure you CCA for each account, don't sign the requests... just do a block capitals signature or something... and send them all by recorded delivery. Keep hold of all receipts.

 

Also, try and get hold of a couple of cheap files, so you can section off all/any correspondence you send/receive in the future. This will stop you from getting confused later on.

 

:)

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Thanks guys for all the info, really starting to get me down all this but feeling better already with your posts. Will action the CCA's next. Should I tell the CCCS I'm doing this? Will it sour my relationship with them? Will it make the creditors less amenable to reduced payments etc?

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I negotiated my own payments with creditors. With the aid of the CCA requests. Where creditors didn't have an enforceable agreement I used this to negoitate. I reclaimed charges on each credit card and I am paying off the balance with the interest frozen.

 

If you are continuing with your meeting then you should tell them at what stage you are at with each creditor.

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Realistically, I know CCCS sometimes refuses to engage in a DMP with people who go the CCA route. shrug. It's your choice, but to be honest at 60-70k a year, unless you have either equity in your home or £1,000 disposable income every month, a DMP may not be the best option anyway since, even at 1,000 a month with interest frozen it would take 5 years to pay it off.

 

An IVA or bankruptcy might be a better option OR, going the full&final settlement route.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hello again Matt:)

 

You've had some fantastic advice and I am glad you are feeling a little less stressed about it all now.

 

Just popping by with more supportive cyber-hugs!

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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