Jump to content


  • Tweets

  • Posts

    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. 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. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Total Victory against UKPC!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5132 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have just received a 'charge certificate' from UKPC for 'Vehicle owner left site'.

Following advice found here I plan to contest the charge.

Please advise me of contacts and other helpful responses that will support my case.

For example from Hampshire Constabulary, Rushmoor District Council, Trading Standards.

 

If only there were a charge to contest. I threw my last PPC invoice on to the floor of an ASDA car park; however, just in case I would advise you to keep your paperwork but forget about these half-breeds

 

Regards,

 

TFT

09/07/09 :)Business Studies BA(Hons) 2:1:)

 

eCar Insurance overpayment - £325

Settled in full - 15/09/08

NatWest Student A/C bank charges - £260

Settled under hardship scheme - 08/06/09

Natwest Business A/C bank charges - £60

Settled in full as GOGW - 20/04/09

Santander Consumer Finance late payment fees - £60

Part settled for £48 - 01/03/08

Peugeot Finance late payment fees - £50

Settled in full before county court hearing - 01/09/09

Peugeot Finance overpayment of £247

Settled in full - 01/12/08

Valley Leisure - complaint about collections agent

£160 part refund of gym membership in compensation - 01/02/09

HFC Bank - complaint about payment deducted from my account on wrong date

GOGW £10 - 01/05/09

Link to post
Share on other sites

  • 3 weeks later...

I cannot understand how UKPC have managed to continue this [problem] for over 2 years. I have sent the following as an foi request to DVLA to try to get their perpective. I share it here so that it might help other victims.

Last month you supplied UKPC with my details as the registered keeper of XXxx XXX.

As a consequence of this I received from them a 'CHARGE CERTIFICATE' that prompted my research into the parking scheme that they operate at the Solartron Retail Park in Farnborough, Hampshire.

Use of Google yielded numerous references that establish that a great many shoppers believe that they have been the victims of a scheme that has little to do with parking control but is simply a means of UKPC acquiring a considerable income. Reports in a local newspaper [Ref 1 & 2] state that Legal & General, the owners of the site, contracted UKPC to introduce the scheme late in 2007. In spite of much outcry, many unwary visitors to the Park continue to be fleeced; it is time that a stop was put to the [problem].

The helpful section on your website [3] states

"... when a private car parking enforcement company requests us to release information, before we do so, it must provide a résumé of its operations and confirm that adequate ticketing arrangements and signage are in place".

You also advise that private car parking companies requiring access to DVLA data are obliged to be a member of the British Parking Association and follow their Code of Practice [4].

To understand the law that applies here I studied references [5 & 6] and note the following extracts.

PRIVATE PARKING COMPANIES RELY ON THE LAW OF CONTRACT

Unlike official parking tickets, when on private land, it is the DRIVER, not the owner, who is liable, because a contract to park is formed between the landowner and the driver.

If you weren’t driving, you’re not liable and you’ve no need to tell who was.

...don’t state you’re 'appealing', merely that you're refusing to pay. By stating you are appealing, it gives unnecessary legitimacy to the ticket.

A parking company has NO POWER to force you to pay an invoice unless it first chooses to take you to court, which is a hassle, and then it needs to win the case which is by no means certain.

Only having a sign at a car park’s entrance, isn’t suitable as it's arguable when turning or manoeuvring you’ll need to be concentrating on your driving to stay safe, not reading parking signs. Signs need to be visible from all over the car park to be sufficient.

... the charge must reflect the loss to the landowner by you parking there. And can a company really justify a penalty of up to £150?

If parking’s free, the firm hasn’t technically lost anything. Why, therefore, do the PPCs seek to charge the users of the car parks figures like £50 and £70? Simply because people do not know any better than to pay.

To add legitimacy, their phrasing and design is often carefully contrived to give the sense it is a police or council ticket. They often use chequered lines or call them PCNs, mimicking the Penalty Charge Notice acronym of official council tickets. (invoices issued by PPCs are not in any way covered by the provisions of the Road Traffic Act.)

The Administration of Justice Act 1970.

Section 40 of the act provides that a person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under contract, he or she

(a) harasses the other with demands for payment which by their frequency, or the manner or occasion of their making, or any accompanying threat or publicity are calculated to subject him or his family or household to alarm, distress or humiliation;

I attach copies of the main UKPC sign, their ticket and their Charge Certificate.

What is adequate signage? From the motorist's point of view, adequate would mean that every driver entering the site would be made aware of the bizarre condition relating to leaving the site. However in this case UKPC would issue virtually no tickets and reap no income. Every ticket issued is actually proof that the signage is inadequate. The reality is that UKPC have deliberately designed the signs with the specific clause in lower case, with small font size, so that their [problem] can succeed. Potential victims can easily drive past the signs and park at such a distance from any sign that they are unable to read the small print. Rather than specifying minimum sign size it would be better if BPA specified a minimum size for the lettering of critical conditions.

So what do the signs mean? You can park here for free, for up to 3 hours, but if you cross the road we can charge you £90. What can be fair and reasonable about that?

At the site there are no toilets, cash point, refreshments, newsagent, post office - all are available a short walk away; the experience of Mr & Mrs Kempster is typical [1].

(On December xxth 2009, when I received a ticket, the Park was less than a quarter full. On December 30th 2009, when the adjacent B&Q and Asda parks were virtually full, there were still plenty of spaces at Solartron.)

Given the contractual nature of the signs, what is the significance of the word 'following' in the key clause? It makes the meaning ambiguous at best. The sign also refers to a PCN without a clear definition.

On the ticket the only CONTRAVENTION of relevance is the third - 'Vehicle owner left side'. No mention of the driver, even his right side. You might find out what percentage of tickets issued relate to this particular 'contravention'.

The Certificate dodges the same issue with owner/keeper/driver. It presents a subtle misrepresentation of authority with the format and the threat of involving a debt recovery agency.

Ticket, Certificate and follow-up letter do not display BPA and AOS logos as the BPA code of practice recommends (B4.3).

According to [2] the site owner did acknowledge the need for a climb-down.

"She (Rebecca Backhouse, shopping centre manager for King Sturge, the company that runs the site for owners Legal and General) said rules had been changed to avoid penalising genuine customers who broke the rules by walking off into town before or after shopping at the retail park stores. She added that large signs made the rules evident and there was a clear appeals process"

However, eighteen months later, the signs do not mention 'genuine customers' or an 'appeals process'.

The BPA website states:-

Unlike on-street parking, there are no regulations governing off-street parking enforcement when it is carried out on private land.

If you feel strongly that this should be changed please write to your local MP.

Local MP Gerald Howarth is concerned about the damaging effects of the scheme on his individual constituents but also on the retailers involved.

Given the above information, were you correct in giving UKPC access to the DVLA data in this instance?

In DVLA's opinion, is UKPC's system of parking control at the Solartron Retail Park completely legal?

If there is a need for tighter regulation, can you suggest where that might best be introduced?

[1] Surrey Hampshire Star, February 28, 2008, CAR FINES 'A CHEAT', [/url]http://www.gethampshire.co.uk/news/s/2022718_car_fines_a_cheat

[2] Surrey Hampshire Star, May 21, 2008, Parking row man slams Solartron retail park, http://www.gethampshire.co.uk/news/s/2028657_parking_row_man_slams_solartron_retail_park

[3] Data release to the parking industry, http://www.dft.gov.uk/dvla/data/parking.aspx

[4] The BPA Approved Operator Scheme Code of Practice, http://www.britishparking.co.uk/files/aos/bpa_codeofpractice_v4.pdf

[5] Private Parking Tickets are often invalid, don't pay, http://www.moneysavingexpert.com/reclaim/private-parking-tickets

[6] PRIVATE PARKING COMPANIES A guide to an effective defence, http://forums.pepipoo.com/index.php?autocom=ibwiki&cmd=article&id=56

UKPC-sign2.jpg

UKPC-ticket2.jpg

UKPC-notice2.jpg

Link to post
Share on other sites

I cannot understand how UKPC have managed to continue this [problem] for over 2 years. I have sent the following as an foi request to DVLA to try to get their perpective. I share it here so that it might help other victims.

You will get a standard, 'we are obliged to provide details to anyone with a reasonable request'. DVLA have been pushed on this before and always refere to their default position as outlined before.

regards

Please remember our troops, fighting and dying in our name. God protect them.

Link to post
Share on other sites

Afraid I concur.

 

ANYONE can request your private details if they have 'reasonable cause' and pay the fee. You are asking them to be an arbitrator of whp they should release the data to, this isn;t their job and never will be.

 

Your complaint needs to be made to the property owner/retailers at the site - unless and until people refuse to use these (free) car parks, there will always be those who say they SUPPORT UKPC's actions as it cuts down on 'illegal' (more properly inappropriate) parking, especialy for overstayers and those using disabled bays.

 

Those in the know ignore them, and the vast majority do not pay, but there is still enough who do to stop them giving up and finding some other way of making money. It's no different from these Nigerian 419 Scams, aimed at conning you out of money. You just need your wits about you.

Link to post
Share on other sites

It's no different from these Nigerian 419 Scams, aimed at conning you out of money.

You mean that email from my long lost relative in Nigeria asking me to house $100m in my bank account, is a [problem]?:eek:

regards

Please remember our troops, fighting and dying in our name. God protect them.

Link to post
Share on other sites

blimey LH are we related I have the same thing :D

 

How have they got your details ? The ones you have received are false - you are being conned - no, honest you are. Don't be a mug :shock:

 

I have the genuine claim on the $100m. I'm just waiting for my passport to come back from them (they said they needed it to confirm who I was) and the money will be in my bank account. I will e-mail from my Caribbean Island.

 

Blagton.

Link to post
Share on other sites

I cannot understand how UKPC have managed to continue this [problem] for over 2 years. ...

Simples.

 

The DVLA gets at least £2.50 from every request a PPC makes for the RK details.

 

Stop that and their current business collapses overnight.

 

Why MP's, Trading standards and others don't pusrue this simple solution is the question you need to be asking.

 

However - that alone may make things worse in some cases but if people want to charge for parking on private land they stick a barrier up or a man in a shed and charge in the good old fashioned way.

Blagton

Edited by Blagton
Link to post
Share on other sites

Thanks Blagton.

It is the question that I will be asking, I am in touch with the MP, but I thought that I should see what DVLA had to say first.

Why is everyone else so negative?

Total Victory will only be achieved when the scheme is outlawed.

It seems clear that UKPC are issuing tickets without evidence that drivers have left the site. Proof of this would help our case,. it should not be difficult to get.

Today I received a letter from UKPC confirming " ... that the PCN was issued in error, for which we apologise."

I was lucky in that I had a receipt showing that I was a 'genuine customer'.

I did not send any letters but emailed to [email protected] and that worked. I even got a nice reply from Georgia McGuinness, Appeals Manager.

Link to post
Share on other sites

In the words of the beloved Jim Royle "Appeals Manager my a...". I bet that Ms. McGuinness (if that's her real name) is just another company drone who is told to reject 99% of all appeals. Otherwise their business plan would fail.

Link to post
Share on other sites

For 'negitive' read Realistic. You are not the first to discover this [problem] - and won't be the last. As for what you can do, the pragmatic approach is to do precisely nothing. Your MP is coming up for re-election, the DVLA will tell you what they say on their web site - they are required to release these details by law.

 

The fact someone set up a business to exploit the system. 20 years ago who would have thought there would be anyone other than BT bringing telephonyt into yiur home? Apart from Kingston (Hull) and Cable, it STILL is only these companies, we're all conned into letting firms find 'alternative' consumerism, so BT is forced to give up control of its network to third parties, has it been for the consumers benefit? I doubt it, the same hold true with any 'virtual' provided, they do it on the coat tails of another... and the parking firms are ding it because they can as the law allows anyone to get these details if they pay the fee.

Link to post
Share on other sites

  • 3 months later...

Nice to hear of some success. But thousands must be paying up these huge sums and many others having unnecessary stress and worry (not seen as such by the car park operators - Quote from UKPC website:

 

"Many forums/sites advise people to ignore tickets, some advise them to send standard letters to deny liability for the ticket and other outrageous defences to avoid paying a charge. A £60 parking charge is a VERY MINOR ISSUE (my emphasis!) ............"

 

 

It is more like £150 with many companies but even £60 is hardly "very minor" to most people who would think carefully before spending this on even a durable item rather than a few minutes of parking. It MIGHT be minor to millionaire car park cowboys (I wanted a cowboy outfit when I was a boy but have outgrown them now!)

 

Let's boycott (and let them know) all stores where these rip-off car parks exist (not just UKPC) and shop on-line until the site owners feel the effect and start to see sense when contracts are up for renewal.

Link to post
Share on other sites

Pretty major when you owe them diddly squat.

 

Let's boycott (and let them know) all stores where these rip-off car parks exist

 

Jump on the Sainsbury's forum and join in!

Link to post
Share on other sites

Well done for your persistence.

 

I note that the DVLA gets £2.50 for every name and address supplied.

 

This seems a low price to me. Since people get the "standard" letter (We are obliged etc....) then perhaps the focus of the lobbying should be to get this pushed up to a more realistic price?

 

Has anyone tried this?

Link to post
Share on other sites

This seems a low price to me. Since people get the "standard" letter (We are obliged etc....) then perhaps the focus of the lobbying should be to get this pushed up to a more realistic price?

 

Would be interesting, but it costs the DVLA about 10p + a stamp for every request.

 

Remember PPCs lose about £5 on every ignored response due to the DVLA fee, postage and time.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...