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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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      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.

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Chequebook loans


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Hi all,

 

I unfortunately took out a chequebook loan for £300 2 years ago when I was in need of quick cash. Thinking I'd pay it off quickly, it didn't happen!

 

I have been paying £60 a month for this loan that doesn't actually reduce the amount owed totalling £1440 in fees so far. Since taking out this loan I have had a change in circumstances and paying this £60 a month is a really struggle and I am unable to clear the loan either. Chequebook loans take the money out of my account I think in the same way that a retailer would in payment form rather than dd. I would like to cancel payment and discuss an alternative arrangement but they haven't been much help. Does anyone have any experience with them or a similar set up. All advice appreciated!

 

Cal

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Hi all,

 

I unfortunately took out a chequebook loan for £300 2 years ago when I was in need of quick cash. Thinking I'd pay it off quickly, it didn't happen!

 

I have been paying £60 a month for this loan that doesn't actually reduce the amount owed totalling £1440 in fees so far. Since taking out this loan I have had a change in circumstances and paying this £60 a month is a really struggle and I am unable to clear the loan either. Chequebook loans take the money out of my account I think in the same way that a retailer would in payment form rather than dd. I would like to cancel payment and discuss an alternative arrangement but they haven't been much help. Does anyone have any experience with them or a similar set up. All advice appreciated!

 

Cal

 

You need to cancel the payment immediately and then send them a SAR. Don't keep paying these robbing ****s! How much have you repaid up til now?

Just hate every DCA out there

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Hi all,

 

I unfortunately took out a chequebook loan for £300 2 years ago when I was in need of quick cash. Thinking I'd pay it off quickly, it didn't happen!

 

I have been paying £60 a month for this loan that doesn't actually reduce the amount owed totalling £1440 in fees so far. Since taking out this loan I have had a change in circumstances and paying this £60 a month is a really struggle and I am unable to clear the loan either. Chequebook loans take the money out of my account I think in the same way that a retailer would in payment form rather than dd. I would like to cancel payment and discuss an alternative arrangement but they haven't been much help. Does anyone have any experience with them or a similar set up. All advice appreciated!

 

Cal

 

hiya and welcome to CAG :)

 

the very first thing you need to do is send a letter by recorded delivery (see link below letter N) enclose a £1 postal order, do NOT use your true signature just PRINT your name,

 

as pmhcfc says stop paying em, when you send the CCA letter they have 12 WORKING days to respond (+2 for post) after this they default under the consumer credit act and they have no legal right to request/demand payments, if they respond take a photo of it using photobucket (free to use) and post link to it here. REMEMBER to REMOVE ALL personal info so we cant identify you, then CAG can advise you further

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Hi,

 

Thanks for the advice, I'll call my bank and see if they can stop the payments going out and send the letter to chequebook. I'll keep you posted! I've paid £1440 so far!:)

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  • 2 years later...

I know how you feel. I took out a loan with Cheque Book loans about 4/5 years ago and I am sure I have paid them off! What I hated was them inadvertently going into my card account and taking money when they feel like it! Recently, my Bank had changed all the Debit Cards and so now they dont have my new card details :-)

 

Yesterday, I checked my bank account online and noticed that a Standing Order was set up on my account and £100 was debited which has left me overdrawn with the bank and out of pocket and now I'm going to be charged by the Bank! I didnt agree to a Standing Order or signed a Standing Order Mandate so who put my signature on the form? I never received a letter to state that a Standing Order will be set up.

 

My bank are not happy about this either. They said that someone would have actually gone into a Branch to do this and I know I never have. Good thing is that I have a managed Bank Account with Thinkbanking.

 

ThinkBanking have spoken to RBS and requested them to cancel the Standing Order, I am absolutely livid. I am trying to contact Cheque Book Loans, but their contact page doesnt even work. Does anyone know how I can contact them please? They will get a damning report from me.

 

Between myself and the bank, I intend to get to the bottom of this.

What to do?

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Company Name: CHEQUE BOOK LOANS LIMITED

 

Previous Name(s): NO PREVIOUS NAME HAS BEEN RECORDED DURING THE LAST 20 YEARS

 

Registered Number: 05261871

 

Registered Office:

 

PENDRAGON HOUSE

65 LONDON ROAD

ST ALBANS

AL1 1LJ

 

Incorporation Date: 18/10/2004

 

Country Of Origin: United Kingdom

Company Type: Private Limited Company

 

Accounting Reference Date: 30/06

Last Accounts Made Up To: 30/06/2008

Next Accounts Due: 31/03/2010 (Overdue)

 

Last Annual Return: 18/10/2009

Next Annual Return Due: 15/11/2010

 

Company Status: Active

Type of Accounts: TOTAL EXEMPTION SMALL Accounts

 

Nature Of Business: 6522 - Other credit granting

 

 

Filing History

 

 

19/10/2009 18/10/09 FULL LIST

19/10/09 STATEMENT OF CAPITAL;GBP 1000

19/10/2009 SECRETARY'S CHANGE OF PARTICULARS / MRS SAMANTHA HUGHES / 01/10/2009

19/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / MR PAUL MAIR / 01/10/2009

06/04/2009 30/06/08 TOTAL EXEMPTION SMALL

27/10/2008 RETURN MADE UP TO 18/10/08; FULL LIST OF MEMBERS

14/05/2008 30/06/07 TOTAL EXEMPTION SMALL

15/11/2007 RETURN MADE UP TO 18/10/07; FULL LIST OF MEMBERS

28/03/2007 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/06/06

22/11/2006 RETURN MADE UP TO 18/10/06; FULL LIST OF MEMBERS

28/02/2006 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/06/05

25/11/2005 PARTICULARS OF MORTGAGE/CHARGE

17/11/2005 ACC. REF. DATE SHORTENED FROM 31/10/05 TO 30/06/05

16/11/2005 RETURN MADE UP TO 18/10/05; FULL LIST OF MEMBERS

16/11/2005 DIRECTOR'S PARTICULARS CHANGED

18/10/2004 SECRETARY RESIGNED

18/10/2004 INCORPORATION DOCUMENTS

CERTIFICATE OF INCORPORATION

STATEMENT OF DIRECTORS & REGISTERED OFFICE

DECLARATION OF COMPLIANCE

MEMORANDUM OF ASSOCIATION

ARTICLES OF ASSOCIATION

 

 

Mortgages

 

No. Mortgage Charges: 1

Mortgage Charges Outstanding: 1

Mortgage Charges Part Satisfied: 0

Mortgage Charges Satisfied: 0

 

 

Charge No: 1

Creation Date: 24/11/2005

Registered: 25/11/2005

Satisfied: Outstanding

Description: DEBENTURE

Person(s) Entitled To Charge: THE GOVERNOR AND COMPANY OF THE BANK OF SCOTLAND

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I'm sorry I can't find an email addy for them, maybe someone will come along later with it.

 

Chequebook loans will have the standing orders you completed at the application stage and they could take into a branch of your bank on any day that it suits. Your money if in bank could disappear the same day.
http://www.consumeractiongroup.co.uk/forum/payday-loans/214114-payday-loan-debt-advice.html
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Have they now? Thanks for this. My bank said they are going to send me a copy of the Standing Order Mandate they took to a branch with my 'signature' My bank have cancelled it and will keep rejecting it until they get the message. I will also report them to the FSA.

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  • 1 month later...

We had the same problem, couldnt pay the full 300 at once so we paid 60 per month until that amount was paid , then got a new debit card from the bank so they couldnt take anymore but they then tried to take 300 from our account by setting up a fraudulent standing order so we changed our bank account number but stayed with same bank, this is the only way we could think of to get rid of them .

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They seem to have 'surrendered' their OFT back in December last year

 

Application / Licence Details

 

 

 

Licence Number:0562723

Licence Status:Surrendered on 04/12/2009

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberCheque Book Loans Limited5261871

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:Yes

 

 

Issued Date: 16-Dec-2004

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionMr Paul Stewart MairOFFICERSamantha HughesOFFICER

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business834, Dunstable Road, Luton, Bedfordshire, LU4 0HGRegistered Office834, Dunstable Road, Luton, Bedfordshire, LU4 0HG

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They seem to be trading under L & D Loans Ltd. and has been stated above Debit Card Loans Ltd

 

CCA Search :: CCA Search Results :: Licence Details

 

 

Application / Licence Details

 

 

 

Licence Number:0583682

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberDebit Card Loans Limited5716530

 

Categories:

 

Consumer credit

 

Right To Canvass Off Trade Premises:No

 

 

Issued Date: 20-Apr-2006

Expiry Date: 19-Apr-2011

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionMr Paul Stewart MairOFFICERSamantha HughesOFFICER

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business834, Dunstable Road, Luton, Bedfordshire, LU4 0HGRegistered Office834, Dunstable Road, Luton, Bedfordshire, LU4 0HG

 

 

 

 

 

CCA Search :: CCA Search Results :: Licence Details

 

 

Application / Licence Details

 

 

 

Licence Number:0555113

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberL & D Loans Limited5110433

 

Categories:

 

Consumer credit

 

Right To Canvass Off Trade Premises:No

 

 

Issued Date: 12-Jun-2004

Date Maintenance Payment Due: 11-Jun-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionPaul Stewart Mair Samantha Hughes

 

Historic Individuals that run the organisation:

 

NamePositionMr Paul Stewart MairOFFICER

 

Nature of Business:

 

Other Cheque Cashing Services

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business834, Dunstable Road, Luton, Bedfordshire, LU4 0HGRegistered Office834, Dunstable Road, Luton, Bedfordshire, LU4 0HG

 

Historic Address(es):

 

Address TypeAddressPrincipal Place Of Business834, Dunstable Road, Luton, Beds, LU4 0HGRegistered Office834, Dunstable Road, Luton, Beds, LU4 0HG

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