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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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      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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Help Please re: CCA decision


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Good morning Mr & Mrs Z,

 

Your best course of action now is to report them to Trading Standards and the OFT for non-compliance with your CCA request as soon as they ask for payment (you need to let them break the law as evidence for your complaint ;) ). This can be achieved via consumer direct:

 

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

Make it clear that you're complaining under the new Unfair Commercial Practices Directive which is part of the CPUTR 2008.

 

Posted at the same time, BB ;)

 

While what you've said is probably the correct course of action, it will take too long to complete and the DN will have expired by the time it's all over.

 

Prevention is better than cure, IMO.

 

:p

 

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Good morning babybear and thank you for your reply and in addition to car 2403’s kind response will do as you advise. Citi Cards has acted most unfairly by not responding to complaints made by DH in a timely manner, if at all. The ultimate insult was sending Power2Contact to our door not once but twice after DH had informed them using the “doorstep” letter and also informing them that he has PTSD as a medically diagnosed condition.

 

As far as I can see, they have broken the law by way of the Default letter haven’t they?

 

Thanks very much for your help, much appreciated :)

 

Good morning Car2403 and thank you for your reply.

 

Yes, I understand the irrelevancy of the CCA Default should they find the agreement, but they are out of time and it is surely indeed they that are now in default by not complying with said request?

 

Citi Cards have been sent the CCA request because they have treated DH abominably and after initially agreeing to accept a token payment plan then proceeded to renege on this and refused to accept his token payments made each month (but still took the payments). Also the aggressive DCA tactics used, which Citi are ultimately responsible for.

 

TBH, DH isn’t trying to avoid paying back his debts, but when he has been treated so badly, he will not make it easy for them!!

 

Thanks very much for your help, much appreciated :)

 

 

citizenB, typed copy of the Default Notice is below :)

IMPORTANT – YOU SHOULD READ THIS CAREFULLY

Dear Mr Z,

 

Account Number ***************

 

Default Notice served under Section 87 (1) of the

Consumer Credit Act 1964

Clause 3 of the terms and conditions of your credit card agreement number *************** between Citi Cards and you, requires you to pay the minimum monthly payments within the period stipulated in your statement. You are in breach of this term because you are in arrears with your payments under the agreement.

 

To remedy this breach you must pay the outstanding arrears of £.. by 25/07/2008.

 

IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN, NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH. IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN FURTHER ACTION MAY BE TAKEN AGAINST YOU.

 

If you do not remedy this breach, we may commence proceedings in the County Court to recover these sums outstanding, together with allowable legal costs.

 

It is our normal practice, where a customer has been in arrears for at least 3 months, to register a ‘Default’ with credit reference agencies. This may adversely affect your ability to obtain credit in the future. If the account is brought up to date, or any agreed arrangement made on more than a temporary basis, the default will be removed.

 

Please note that it is our policy to sell some accounts that are in arrears to a third party and we reserve the right to sell your account to any such third party, which will be entitled to collect the sums due from you.

 

IF YOU HAVE ANY DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR ARE TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU OR ANY SURETY MORE TIME.

 

IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE, FOR EXAMPLE, YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS’ ADVICE BUREAU.

 

In the meantime, if you have any queries relating to the amount you owe, please call one of our advisers on 0870 909 4431**. Lines are open etc

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Being in Default of your request will not stop them Defaulting you, I'm afraid. Yes, it should, as they can't enforce while in Default, but that ultimately means they can't enforce via the Court - there's nothing stopping them Defaulting the account now. All this will mean is that you need to pursue them for Default removal as well as having an unenforceable debt, but it means you have to suffer the consequences of being Defaulted in the meantime.

 

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I understand what you are saying car2403, however if the Default notice isnt even prepared properly..shows just what a shower this group is.

 

I find it amusing they refer to a clause that you cant confirm is correct as they havent sent you a credit agreement. Some of the text should be underlined and they havent given you the correct amount of time to remedy the so called breach.

 

I agree with the posters above, time for a Trading Standards complaint. :) ONce you have sent off your complaint, advise Citicards that you have done so and then when TS send you a reference number, let Citicards have that as well so they know you are serious. :)

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Mrs Z, you might want to have a read of a couple of pt2357 posts on the thread below regarding defaults and how they should be presented. :) posts 324 and a couple more after.

 

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/119668-lba-optima-leagal-services-18.html#post1617533

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5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks car2403, I think I get your point :)

 

Thanks citizenB, a star as always!

 

I will take a look at the thread that you have kindly posted :)

 

I spent most of yesterday getting the FOS complaint together re: Amex, still have a bit to do, but getting there. Our aim is to get all three (Citi, Amex and CCJ defence for Co-op) off in the post tomorrow. Probably by the time that's done, a few fresh ones will be arriving - oh what fun we shall have!!!!

 

Thanks again :)

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Thanks car2403, I think I get your point :)

 

Thanks citizenB, a star as always!

 

I will take a look at the thread that you have kindly posted :)

 

I spent most of yesterday getting the FOS complaint together re: Amex, still have a bit to do, but getting there. Our aim is to get all three (Citi, Amex and CCJ defence for Co-op) off in the post tomorrow. Probably by the time that's done, a few fresh ones will be arriving - oh what fun we shall have!!!!

 

Thanks again :)

 

 

Whilst you were doing those, you werent getting into any mischief. :)

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1: How can BCOBS protect you from your Banks unfair treatment

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I wish!!! :D

 

:lol::lol:

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hello Mrs Z here.

 

We have sent off a big fat complaint to FOS regarding Amex, the letter to Ms Snotty Nose at Amex advising her of this fact (thanks ScarletPimpernel for the template) and the complaint letter to Citi Cards.

 

The proverbial s*** should hopefully be hitting the fan today or tomorrow.

 

I will update on progress as and when, thanks every one who has helped :)

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Hello Mrs Z here.

 

We have sent off a big fat complaint to FOS regarding Amex, the letter to Ms Snotty Nose at Amex advising her of this fact (thanks ScarletPimpernel for the template) and the complaint letter to Citi Cards.

 

The proverbial s*** should hopefully be hitting the fan today or tomorrow.

 

I will update on progress as and when, thanks every one who has helped :)

 

 

Do I get the impression you are enjoying yourself Mrs Z ?? :D

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi citizenB,

 

Don't know that 'enjoyment' is the word, but the thought of Amex's Ms Snotty Nose throwing all her toys out of her pram does give me some satisfaction :D

 

I've been a tad impatient and checked the Royal Mail website to see if they have all been delivered, 2 out of 3 aint bad!!! FOS complaint delivery isn't showing yet.

 

babybear, too right!!!!

 

I was just re-reading through your thread re: The Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). surely Mr Z can send a complaint to TS regarding Citi Cards now and not have to wait for them to demand payment again? The Default notice they have sent recently is a demand for payment surely???

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Thanks babybear :), I'll give it a couple of days to see if I get anything from them or their ilk first, but am itching to get a complaint off on behalf of Mr Z! I am wicked, but then I have a perfectly valid excuse - I am menopausal!!!!! :D

 

Omg, that makes me feel soooo old!!

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Thanks babybear :), I'll give it a couple of days to see if I get anything from them or their ilk first, but am itching to get a complaint off on behalf of Mr Z! I am wicked, but then I have a perfectly valid excuse - I am menopausal!!!!! :D

 

Omg, that makes me feel soooo old!!

 

 

:D:D

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Gee thanks babybear!!!!:eek: I didn't feel that old but i do now!!!!

 

knoxvillian, thanks but the longer it takes the FOS to sort Mr Z's complaint out, the longer it will be before Amex can act on it (if at all) as it is in dispute ;)

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