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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.  
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My partner debt before she met me - how will this effect me


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Hello

 

My partner moved in with me in january this year and Red debt collection Services working on behalf of Lowell portfolio 1 LTD have sent a letter to my address. The origional creditor was with t mobile who are claiming she owes over £1000 from around 3 years ago (there is an email address for tmobile but there are 3 companies mentioned).

 

The letter states that if my partner doesnt get in touch a licensed home visit agent will attend my home and legal proceedings will commence with the aim of balifs if they get a court order.

 

Now i met my partner last year in july and i do not have anything to do with this debt as it is 3 years ago; i didnt even know my partner then.

 

How does the law stand in relation to my assets, which i can prove i have paid for everything in my flat and my partner and child are not on the tenancy agreement.

 

Another area of concern is that i am disabled and unable to work and my partner is my carer. I really could do without this hasle, and am in the process of trying to find alternative accomodation.

 

My partner has other creditors, who have not located her yet

 

I have not responded to their letter either verbal or writtern.

 

What i want to know is can they take any of my assets, now and if no and we get married in the future, have they the right to claim my property in my flat.

 

Thirdy if my partner has to do a capital expenditure calculation and we are at the moment claiming as a couple. does all the income we recieve have to be declared?????? how does it work.

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What i want to know is can they take any of my assets, now and if no and we get married in the future, have they the right to claim my property in my flat.

The answer to this is quite simply NO.

 

Debt collectors have no more legal power than the milkman, if you got into arrears with the milk bill would the milkman come and do a repossession ? I think not!

 

And regardless of whether or not you get married these debts are in your partners sole name and remain her responsibility no matter what some DCA tries to fob you off with. A licensed home visit agent is nothing more than a posh name for a debt collector.

 

If my partner has to do a capital expenditure calculation and we are at the moment claiming as a couple. does all the income we recieve have to be declared??????

Absolutely not. As previously stated regardless of whether or not you're married if a debt's in your partners sole name, it's her sole responsibility and your income doesn't enter the equation.

 

Have you considered contacting National Debtline or the Consumer Credit Counselling Service, their advice is second to none and free, they are both registered charities..

 

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

 

CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

Good luck & best wishes, Dave.

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I do not agree.

 

Income of both parties does need to be declared as your partners income is obviously assisting towards the bills. You can hardly claim that 100% of all bills and expenditure are met by you and she does not pay anything towards any of them.

 

CAB income/expenditure forms always quote total income and they are the experts in these matters!!!

 

Hope that makes sense.

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Have you considered contacting National Debtline or the Consumer Credit Counselling Service, their advice is second to none and free, they are both registered charities..

 

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

 

CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

Good luck & best wishes, Dave.

 

As Dave has said, it is worth contacting the above charities. They will assist with the expenditure sheet. They will help your partner to work out a repayment plan for her debts that she can afford, if that's what she wants to do. If what she can afford is £1 per month, then so be it. I am assuming, but may be wrong, that you receive benefits which they will not be entitled to either.

 

Regardless of who owns what, no DCA is entitled to enter your property without being invited. They will say such things to intimidate and pressure people.

 

Let us know how you get on.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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CAB income/expenditure forms always quote total income and they are the experts in these matters!!!

 

 

I did not find that to be the case. One year dealing with Cab was equal to two posts worth of advice i recieved here. Mention CAB to a DCA and you dont get any response, metion CAG and the phone goes down quicker than ......insert own analogy here.

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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Is that really true?

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I do not agree.

 

Income of both parties does need to be declared as your partners income is obviously assisting towards the bills. You can hardly claim that 100% of all bills and expenditure are met by you and she does not pay anything towards any of them.

 

CAB income/expenditure forms always quote total income and they are the experts in these matters!!!

 

Hope that makes sense.

A debtor is solely responsible for debts in his/her own name, any new partner months/years down the line cannot be held jointly responsible even by virtue of marriage.

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Is that really true?

 

I found i got quite biased advice from the CAB and at one point they recommended an IVA based only on the info i have provided here. CAG has the reputation whereby DCA`s do pay a lot more attention if you say you are recieving advice from them. The statistics and the posts speak for themselves. If the CAB recieved as many quieries and had as many returning customers ( for want of a better word) you wouldnt be able to get an appt till next Christmas.

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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I have debts that go back 10 years, met my partner 7 years ago, therefore I had my debts before I even knew him.

 

CAB used to advise me, but once my daughter and i moved in with my partner, CAB said that he had to take 1/2 of the responsbility for my debts as because we shared our lives together we therefore had to share my debts, and if my partner was going to accept responsbility for my daughter then he had to accept joint responbility for my debts. :eek:

 

We did not agree with CAB and they refused to help and advise me. They would only help if my partner shared my debts that were nothing to do with him and incurred before we even knew each other. They also said that he would have to give up all his credit cards and enter into repayment programmes with them. (honestly, they did!)

 

I decided to deal with things myself. After phoning the National Debtline for help to get me started on my own, they advised me what diskmandave has posted earlier:

 

A debtor is solely responsible for debts in his/her own name, any new partner months/years down the line cannot be held jointly responsible even by virtue of marriage.

 

I do not have my name on any of the household bills and the mortgage is in my partners name only. I moved into his house.

 

Our agreement of looking after things is that we each take responsbility for our own personal finances, he pays all the house bills, I run the house, cook, clean, chase after kids etc. Works fine for us.

 

When I was required to complete Income & expenditure forms, I listed my wages, tax credits, child benefit on as my total income, and then for my expenses I listed car expenses, mobile phone expenses, food, clothing, groceries for myself and my daughter, an allowance for haircuts for myself and daughter, a small amount for unexpected payments throughout the year such as birthday presents. To deal with the fact that I lived with someone I also put into my expenses a contribution towards partners mortgage and my contribution towards household bills.

 

This was never queried (other than the usual pay more or else!). As far as I can see this showed an accurate picture of how much money I had available to pay token payments, and my partners income didn't even need to be mentioned.

 

As for bailiffs coming round, well they can't just turn up. Bailiffs would only be involved if the matter went to court and you lost and then failed to pay whatever the court instructed you to pay! (correct me if i'm wrong).

 

Hope this helps!

 

Maggieboo

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Subscribing...

 

You do not take your debt responsibilities jointly with you into a new relationship. They are yours soley, for you, and you alone, to deal with. Ignore the BS from the DCAs, they're just tryigng to scare you and CAB have given the wrong advice :eek:

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I have been in the same situation.

 

1st Credit said they were going to put a charge on the property which my partner solely owns - the debt is from long, long before I even knew him. They also threatened to take his car and the stuff in the house (which belongs to him) I told them they couldnt do that, to which they got shirty and said they could.

 

Thanks to all you lovely CAGgers, I discovered they couldnt, chucked that at them and also may have threatened that if they so much tried to take a thing Id have them arrested for theft. They have now crawled off with their sorry tail between thier sorry legs :D

 

Moral of the story - they cant take anything that doesnt belong to your partner!

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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