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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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Hfc Cc


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Hi All can i ask for some info & advice re: my position with HFC.

 

I wrote to let them know I was having finacial difficulties, and make a pro-rata offer, HFC begrudgingly agreed but started being difficult & phoning constantly. After one particulary obnoxious call I decided to CCA & SAR them.

 

Next I recieved a letter from HFC saying that although I had an agreement in place it was not enough for them and they were going to default the account.

 

Rec'd Default notice in post (delivered 10 whole days after the date on the notice)

 

On day 12, I recieved a reply to the CCA reuest by Special Delivery! this contained my last 6 statements, a without prejudice letter detailng when my account was opened, the original credit limit etc etc. The letter goes on to say that they ca'nt locate a copy of the agreement at his time and that they will forward it on.

 

So clearly the account is now in dispute and they will get a letter to that effect after the further 30 days has expired.

 

I would really appreciate some thoughts on what to do about the default notice, I believe the ammounts to be wrong (due to many charges), my name is spelt incorectly and i'm not overly convinced its in the prescribed format.

 

What do you reckon the best course to follow now? your thoughts and advice as always are appreciated.

 

RN

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Default notices are legal documents that have to contain certain criteria as laid down in the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1993.

 

They have to contain the following:

  • Name and address of creditor issuing default notice and name and address of the borrower.
  • Type of agreement and details of the breach of the agreement.
  • Early settlement figure (for fixed sum only).
  • The action to be taken by you to remedy the situation and comply with the agreement.
  • The next action that the creditor intends to takes, should you fail to comply with the agreement.

It's very important that default notices are correct legally as there is case law which states so:

 

Woodchester Lease Management Services Ltd v Swain & Co NLD 14 July 1998.

 

 

Also in the regs it states:

 

(2) Any notice to be given by a creditor or owner in relation to a regulated agreement to a debtor or hirer under section

87(1) of the Act (which relates to the necessity to serve a default notice on the debtor or hirer in accordance with section

88 before taking certain action by reason of any breach of the agreement by the debtor or hirer) shall contain--

 

 

(a) a statement that the notice is a default notice served under section 87(1) of the Consumer Credit Act 1974;

 

Therefore it follows that if it doesn't include that statement it isn't doesn't comply with the law regarding default notices.

 

Hope this helps

 

Mick

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  • 3 weeks later...

A quick update:

 

Still no CCA 12+2+30 expires 17th May so they will get a note putting the account in dispute.

 

In response to my SAR i have recieved 6 years worth of statements and my £10 back, so I have sent them a letter giving them a further 10 days to comply (as a gesture of goodwill) and sent them back the £10.

 

Have just taken a call from a collection agency asking for payment, they allege that HFC have sent a number of letters that I have not recieved, I pointed out that they may have siad that they sent them but perhaps they did'nt, nearly wet myself when he responded that they would'nt as they are a proffessional organisation!! Anway I declined the offer to pay them as the account is in dispute, they have suggested that they will be starting legal action. I do hope so!

 

Any thing else I should be doing at this point (claim for charges?) or wait and see what their next move is.

 

Thanks

RN

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very similar letter to mine rec'd today except they sent me what they call a copy of my legal agreement which really is only an application. (I hope!!).

 

that's all I got as well.....I'm having fun with DCA's at the minute-I'll have them chasing their tails by the time I've finished!! LOL

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Grrr

 

Letter back from HFC re my SAR

 

"We would be grateful if you could compete the attached form and forward it to the address indicated. We will require a copy of your driving licencse or valid passport. We will action your request upon receipt of the completed form"

 

They have once again returned my £10 PO.

 

Anyoone got a suitable letter reminding them that the clock is ticking and they have been happy so far to send my info without my D.L. or Passport.

 

Thanks

RN

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  • 4 months later...

Not posted for awhile so a quick update and request for advice.

 

HFC have still not responded to CCA and S.A.R - (Subject Access Request), but have passed the account on to Debt Litigation and Recovery Services (who I assume are part of HFC).

 

They have written a couple of times and have been told that the accout is in dispute until such time as the CCA request is complied with. Subsquently they have written saying that HFC Bank archive Department have been unable to locate a copy of the agreement and to contact the Beneficial Finance Branch where I took out this account, as they may be able to provide a copy. (Hah as if i'm going to do that).

 

Following on from this letter I have recieved a letter from HFC saying that they can not provide a copy of the agreement, but have enclosed a completely blank pro-forma agreement. This looks like it dates from 03/01 (not even close date wise) and has terms and conditions on one side, and a list of penalty charges and a cancellations form on the other. They are stating that this is sufficient under regulation 3 of the Consumer Credit (cancellation Notices and Copies of Documents) Regs 1983.

 

Surely it is unacceptable to send any old bit of stationery that could relate to anyone or anything and say that it fulfills their obligations.

 

Any advice as to how to respond and proceed with this please.

 

Thanks

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