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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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Balck Horse, Welcome Finance and Ge Money, Lloyds TSB CC PPI


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Sorry Kenny

I have reclaimed the PPi on a store card from GE money which as from the above they have paid out and admitted mis-selling, i am at the moment claiming back PPi on a secured loan for £65,000 from GE which has been paid off in full iahve sent them the same letter and evidence as i did with the store card, I really cannot see how they can not payout as the situation is the same as the store card.

 

I have had 2 secured loans with Welcome Finance

 

One which was paid off was settled, the other they have refused to pay without documentary evidence which i have sent them.

 

I have had also 3 loans with Black horse all of which they have refused to payout without docuentary evidence which i have also sent.

I have also got PPi with an old Lloyds TSB Credit card which i am trying to reclaim as well as charges on that card and another card which my wife had not sure about the PPi on this but there are charges on it.

 

Hope this explains more, I look forward to your comments

 

 

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I have broken the first rule of CAG and now I am paying the price let this be a lesson to us all.

 

I did not send my last three letters with the documentary evidence regarding the pre-exsisting medical condition to GE Money, Black Horse and Welcome recorded delivery, and now they all deny receiving the letters i sent 3 weeks ago DAM IT!

 

So I have yesterday resent them all recorded.

 

I phoned GE Money but there Compliance Department in Leeds does not deal wityh secured loans there department in Harrow does, I must admit when i phoned them all to check if they had received they were all very pleasant and helpful except Welcome who were their usual unprofessional selves, GE even gave me a complaint reference to put on my letter and hinted that they agreed with our position, Black Horse ( I have had 3 loans with them over the years) claimed they had received a letter about one account but not the other 2, so now the waiting begins all over again, I feel kinda stupid really having been a member for 2 years but a valuable lesson to us all I think.

 

 

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imho normal first should be ok it,s a sad reflection of what we are up against.the courts use first class ,they use first class when they demand that you pay them ,oh but they don,t receive letters :mad:.the trouble is recorded only relies on the postie getting a signature if he,s got a big sackful to deliver chances are it won,t get signed.the only definite way is special but then at £4.50 a letter it,s not cheap. don,t beat yourself up about it :) ,include ignoring your letter sent, in your complaint ,all adds up to show how they really treat people. i,m sure that the fsa checks on their complaints depts to see who and why are complaining

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Ok

Got the full and final response from Black Horse as expected for two of my claims against them so I fully expect the third to be the same, I really cannot stand the arrogance of these people Llloyds, Black Horse.

 

Well I am now working on my FOS complaint nearly finished just waiting for their rejection of my third claim.

 

Looks like this could be a long one.

 

 

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What gets me is they say that on the demands and needs statement it clearly says my wifes illness is not covered.

Then my question is why did they recommend it to me!!!!

 

 

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"Well I am now working on my FOS complaint nearly finished just waiting for their rejection of my third claim."

 

Hiya - I have a claim with GE Money but they are not covered by any predecessor rules - FOS have been looking at it for 4/5 months and sent it back - I have to go through the courts - also B.Horse claim is being refused as this outfit are one of the worst - need to put this in court also as they have not fully complied with the data requests, I wish you good luck but the FOS take a very long time:)

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Hi

I believe GE Money are covered by the FLA not the FOS, if GE reject my second claim I will go straight to court.

 

What do you mean? has the FOS rejected your claim against Black Horse? what where their reasons

 

 

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OK

Update

Just got a standard "we are investigating your complaint" form GE Home Lending about my secured loan which was for £65,000 for a PPI reclaim.

Took me a few weeks to work out that GE Home Lending formerly First National are a different arm of GE Money.

 

Now i have to just sit and wait for the postie, could take 4 weeks, just waiting now for a letter from welcome who paid out on one loan but not another, cannot see how they can pay on one and not another when the circumstances where the same, we will see what happens.

 

 

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Ok

Complaint form to the FOS completed for Black Horse after many hours research of FSA rules,OFT etc, even used the CCA Act in some parts and the Sales of Goods Act.

Well just hope they see sense and award in my favour, going in post Monday.

 

 

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Fob off letter received from Lloyds Credit card with usual credit agreement sent with PPi box ticked by Lloyds as their only proof that it was not msisold and usual generic response, my response in return post.

 

 

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Also have now sent a PPI reclaim to HFC Bank letters to LLoyds and HFC to be sent recorded tommorrow (Friday).

Also FOS complaint regarding Black Horse recived by the FOS on 20th May.

Will keep the few that are interested updated when i hear more.

 

 

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Hi again adamski,

 

do not lose heart this PPI stuff is new territory for all and the MODs etc are busy with a lot of other stuff. Check out the legal threads to see how busy they are with bankruptcy cases etc.

 

I know we PPI claimers are struggling and that this is a new reclaim on dodgy insurance sales but we can do it with each others support and posting of letters from the banks etc etc.

 

We need to watch all posts on all threads to keep up with what is happening and what may or may not be useful to our own claim/s.

 

good luck and I am sure when the MODs have advice they will be in to help.

 

Good Luck

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Thats good advice Alanalana :)

 

You've already got one back adamski so its likely to just be a matter of time (and probably a complaint to the FOS or court claim) before you get the others. In regard to the demands and need my friend signed one of those with Welcome Finance but still got the refund she requested!

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  • 2 weeks later...

OK more news

Got a final response from GE Home lending, saying get lost go to the FLA, I am thinking is this a waste of time should I just go straight to court the only thing is the claim is for £10,000 which includes 8% interest.

 

GE Home Lending stated that they and GE Money are different companies and that GE Money supply store cards and thet supply secured loans, I said but its not the credit I am complianing about its the PPI but they will not budge.

Any Advice greatly recived as it will cost me the best part of £300 to issue court proceedings.

 

Also Black Horse have cancelled the one live account and are refunding what I have paid which is very little, I have a complaint with the FOS about the other 2 accounts but dont expect to hear anything for months, still waiting for a reply from Welcome, HFS and Lloyds TSB.

 

 

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Welcome are awful at responding so expect that one to take forever as well!

 

Court does look like your best option although £10,000 would not go through small claims would it? Is the claim only for PPI (if so what alot of money that policy cost you!).

 

I really don't know enough about the legal side of things but am sending my "best of luck" wishes to you!

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Hi Sparklez30

Well I have spilt it into to two smaller claims as there were 3 accounts so that should solve that problem,I am hioping for some help of another PPI recliamer who has experience with GE Home Lending.

Thanks for the reply

 

 

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I understand Adamski.

 

In which case as long as you can get it into the small claims and the total of the two claims is around £10,000 it would seem worth while to me (although I haven't done it myself )

 

I have an ongoing dispute with MBNA but its for around £400 which is why I've resisted the court route so far but if my claim was for £10,000 that would be a different matter

 

The whole idea of court terrifies me though!

 

Hopefully someone with GE Home Lending experience will be along soon to advise :)

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I am hoping Reidnet can help me but I am sure he is very busy.

I have just recived some good letters this morning one about LLoyds TSB credit card charges just got back £262.42p from them and I am at the moment on the phone to Black Horse just got a letter and I have phoned them they are phoning me back hopefully with an offer will keep you updated.

 

 

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oh great news about LLoyds TSB - Cngratulations on that one!! :) getting there slowly. And best of luck with Black Horse.

 

Reidnet was about earlier so hopefully he will pop in - have you tried sending him a PM?

 

*edit* scrap that last sentance just saw you mentioned the PM in his post about the article re PPI :oops:

Edited by Sparklez30
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Hi adamski - re GE - check out which part of GE was the one fined already, you know the list of rules regarding PPI and which companies were fined for misleading their customers, if this is the same lot then this should be added to your particulars of claim, that would be done under the Misrepresentations Act, thus, the onus is then on GE to prove that it was correctly sold, rather than you. You could also include a 'strict proof' re disclosure of data, what questions and options etc can they prove in the selling of the PPI - were you on medication etc etc. Good idea to split the claim up in order to keep it in small claims. I dont think the goverment have done us any favours in putting up the court fees. I am in a similar position waiting to put in claims against GE and Black Horse also. Sorry if I'm re-quoting other stuff here, expectyou know most it, but I havent found any cases??.... - perhaps another member could help with that??:)

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Hi adamski - re GE - check out which part of GE was the one fined already, you know the list of rules regarding PPI and which companies were fined for misleading their customers, if this is the same lot then this should be added to your particulars of claim, that would be done under the Misrepresentations Act, thus, the onus is then on GE to prove that it was correctly sold, rather than you. You could also include a 'strict proof' re disclosure of data, what questions and options etc can they prove in the selling of the PPI - were you on medication etc etc. Good idea to split the claim up in order to keep it in small claims. I dont think the goverment have done us any favours in putting up the court fees. I am in a similar position waiting to put in claims against GE and Black Horse also. Sorry if I'm re-quoting other stuff here, expectyou know most it, but I havent found any cases??.... - perhaps another member could help with that??

 

Hi

It was GE Capital Bank i.e GE Money that got fined the people I am after is GE Home Lending, but they both send you letters with the same headed paper and the same typefaces etc, but their registered offices are different, so does that make them different companies?

 

Also it is my wife who is epileptic she is on medication for life since she was 16.

No questions were asked and all they say is it was on the terms sent to us which we never recieved, only terms for the loan, not PPI, also they are relying on the fact we could have cancelled.

Just hope Reidnet gets in touch as he has won against these guys but with a battle.

 

 

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