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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with Link Financial


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Hi - I am a newbie on here and had to join just to help put my mind at rest!

 

My partner has just had a note given to him from one of our neighbours asking him to ring 'NAME' on a London number - very weird.

 

Rang them, did not answer with a company name, just asking personal details - my partner did not tell them anything, not even his name.

 

I looked up this person's name on the web and found that it was Link Financial - my partner did have an MBNA credit card years before he met me - what should be our next step? We do not own our own home, and financially we are not in the greatest position.

 

:?

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Hi and welcome to CAG

 

This sounds like a fishing expedition until anyone contacts you directly I would file it under Ignore. If they contact you directly dont hesitate to post back and you will get advice :)

 

 

saint

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If it is what you suspect then they are in breach of Office of Fair trading debt collection guidelines.Keep a record of all this and any further attempts they may try.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...

Hi, many thanks for replying to me - I have kept and am keeping a record of all "contact" no matter the route taken by them.

 

Thankfully, the neighbour hasn't passed on any more messages, however, we have had direct contact twice now in the past couple of days by post.

 

The first was a postcard just asking us to call a name and then a number was given - no company details were on that. The second has been a letter from them on letterheaded paper. We now have a reference number and an account balance, which is over £2000 more than my partner's credit limit on the card he had years ago - so I dont know where they have this amount from!

 

Do I scan this letter and let one of you see the wording? They are asking for the full balance in the letter. They say it is due immediately.:shock:

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Hi Kimbo , Firstly how long ago did your partner have the card , and also have any payments been made to any body on this debt. If the debt was more than six yrs ago and no payments have been made then they can not chase it ( not that it will stop them trying ).

 

Manchester1:)

 

MANC 1

 

 

 

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He got the card about 6 years ago, and was paying it normally to MBNA when the card was active. Then it must be about 2 and half years since he made a payment as (to cut a long story short) he was going through a split with his partner and financially he was left with a lot to sort out. He lost his house etc.

 

So the last time a payment will have been made will be then.

 

Do we need to send a CCA letter, as I keep reading posts on here where people are mentioning this quite often.

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Did the letter tell you who the original debt was too or are you just summising that that is who they are collecting the debt on behalf of ?

If its the latter then I would be tempted to ask them for proof of the debt with this letter

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

 

saint

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Yes, the letter does have the original MBNA card number as a reference, as well as a Link Financial reference number.

 

How should we respond to it?

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  • 4 weeks later...

Hi, many thanks first of all for your help thus far.

 

Just wanted to let you know that we sent the letter using template 'N' to Link Financial with a £1 postal order so that they did not get our bank details from a cheque. We also sent it recorded delivery. This was on 28th May.

 

It is now 17th June and we have had no response as yet - do we need to do anything further? Or do we just wait for their response no matter how long it may take?

 

Any advice would be greatly appreciated. This is all new for us so apologies for needing to be lead through every step!!

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alright people? i'm new here

 

does anyone know what a letter fron link quoting section 136 of the law of property act 1925 means?

 

had a letter from them today about a debt i'm fairly sure i paid off 2 years back - that apperently i havent

 

cheers

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  • 2 months later...
Hi, many thanks first of all for your help thus far.

 

Just wanted to let you know that we sent the letter using template 'N' to Link Financial with a £1 postal order so that they did not get our bank details from a cheque. We also sent it recorded delivery. This was on 28th May.

 

It is now 17th June and we have had no response as yet - do we need to do anything further? Or do we just wait for their response no matter how long it may take?

 

Any advice would be greatly appreciated. This is all new for us so apologies for needing to be lead through every step!!

 

We have received a response from Link regarding the request for the signed credit agreement.

 

They have enclosed a copy of the signed agreement, with the credit limit on there too. What is our next step? As I know there was a time limit you mentioned etc. Also, if we need to start making repayments to them, how is best to negotiate and are they able to ask for £2000 more than the credit limit of the original debt??

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  • 4 weeks later...

Hi, I posted a thread back in May about my fiance's old debt with MBNA which Link had taken on.

 

We sent them your template letter requesting a copy of the signed CCA. That was sent to them on 28th May - we received a copy on 2nd September.

 

I then posted on the back of my old thread but had no response - hence this new thread being created.

 

What is our next step? The credit limit shown on the CCA is £2700, yet Link are demanding £4836!!! They are saying that we have breached clauses 1b and 8 of the agreements and are therefore demanding payment of the full amount by 9th October or further enforcement action will be taken.

 

We are not disputing the fact that this is owed, but the extra £2000 is extreme I feel, and we know by other threads on here that Link are difficult to negotiate with - how do we come to an arrangement??

 

We are getting married in 3 weeks time and can do without this worry - it is beginning to keep us awake.

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I presume you have received one of the many Default Notices that Link seem to have dished out en-mass?

 

It may be also wise if you could post up a copy of the agreement Link sent you to see if it complies with the CCA. You can upload them using Image hosting, free photo sharing & video sharing at Photobucket but make sure you delete all personal info.

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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