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    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX 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). 4.2  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).  4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. 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. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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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.

      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.

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

       

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HFO claimform - old Morgan Stanley Card Debt **WON**


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I have today received an interim charging order N86 and an application for full charging order, hearing in August.

 

The information on the application is wrong as they have put down the wrong court where the judgement was given.

 

When they go for the full charging order, how do I defend this and can I contest the validatity of the credfit agreement again and their rights to the debt.

 

I am at present waiting to here from the appeals court regarding my second appeal.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Having filed my appeal bundle on time with the court of apppeal I also includes a letter requesting they insert any documents I did not have, such as the transcript from my last hearing (still awaiting).

 

I have today received a letter giving me until the 21st to have these documents inserted in my bundle or the appeal court will dismiss my apppeal and I pay costs.

 

The court is unwilling to insert these documents for me as I have to do this personally, this is impossible as I live 200 miles away from the appeal court and will be unable to get time off work.

 

This gives me the only option but to give up on my appeal, I will be sending a letter by the 21st.

 

As a litigant in person throughout this ordeal I believe I have had little help from the courts unlike the claimant.

 

My efforts now are focused on my final charging order hearing next month.

 

So HFO well done on obtaining monies under false pretences ( no default notice unenforcable CCA,) I hope you can sleep at night.

 

 

I will try and fight for my family home which I have worker hard for.

 

To all the people on this forum who have helped, I thank you, I just wished things would have worked out better.

 

 

 

Thanks again

 

brokenarrow.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Have you thought about phoning the Citizens Advice Bureau at the Royal Courts of Justice and asking if they will do it for you.

 

As far as the transcript is concerned - you need to write to the CA and ask them to extend time - you just tell them that you haven't got the documents yet

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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The court is unwilling to insert these documents for me as I have to do this personally, this is impossible as I live 200 miles away from the appeal court and will be unable to get time off work.

 

This gives me the only option but to give up on my appeal

 

Hey, don't get disheartened Broken Arrow by some white collar Job Worths!! Sometimes it's the minutia, such as this, which can be the straw that broke the camel's back so to speak.

 

You have climbed a mountain...don't let a little mole hill trip you up!! ;)

 

Why not investigate the options that IGNM has suggested?

 

Alternatively, the site team may be able to suggest a trustworthy Cagger who lives near by who may be willing and able to assist.

 

Best of luck with this and the the charging order hearing. :-)

 

PS I'm sure Esther Rantzen used to give out "awards" to such people on her show That's Life!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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  • 4 weeks later...

Since HFO Services - or rather their principal HFO Capital Ltd - are a debt purchase company who deal in assigned debts, you should put them to proof in court of the assignment. See Law of Property Act 1925 s 136, and Chitty's text on contract law concerning assignment, both legal and equitable.

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Since HFO Services - or rather their principal HFO Capital Ltd - are a debt purchase company who deal in assigned debts, you should put them to proof in court of the assignment. See Law of Property Act 1925 s 136, and Chitty's text on contract law concerning assignment, both legal and equitable.

there is also case law which states you have an entitlement to sight of the assignment.

 

Sadly, Chitty on Contract is very expensive and most of our members will not have access to it,

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Can you tell me what that case law is?

 

I know Chitty's expensive, but your local university library might have a copy.

 

Mike

I think the two cases you need to look at are Harrison v Burke and also Van Lynn v Pelias.

It has been held that failure of a notice of assignment to be accurate because the date of the assignment was wrongly stated invalidates the notice and, therefore, the legal right to the debt cannot be assigned effectually at law within the meaning of s 136(1) LPA, 1925. [W F Harrison & Co Ltd v Burke and another [1956] 2 All ER 169].

HFO may mislead in trying to argue Van Lynn, which is the case that allows access to the Deed of Assignment. The relevant words of Denning MR extracted from the case are as follows

“The relevant section is s 136(1) of the Law of Property Act, 1925, which provides:

"Any absolute assignment by writing under the hand of the assignor ... of any debt or other legal thing in action, of which express notice in writing has been given to the debtor ... is effectual in law ... to pass and transfer from the date of such notice--(a) the legal right to such debt or thing in action; (b) all legal and other remedies for the same; and © the power to give a good discharge for the same without the concurrence of the assignor: ... "

What is a sufficient notice of assignment? There are only two or three cases on the subject. There is Stanley v English Fibres Industries, Ltd which was accepted and applied by this court in W F Harrison & Co Ltd v Burke. Those cases show that, if a notice of assignment purports to identify the assignment by giving the date of the assignment--and that date is a wrong date--then the notice is bad. The short ground of those decisions was that the notice with a wrong date was a notice of a non-existing document. Assuming those cases to be correct, they leave open the question whether it is necessary to give the date of the assignment. Test it this way: Suppose the mistaken sentence were omitted in this letter so that it ran: "We have been instructed by our above named clients to apply to you for the payment of a sum of £5,296 19 5 outstanding to them following the assignment of the debt to them by the National Provincial Bank Limited." Would that be a good notice, even though it gives no date for the assignment? I think it would. I think the correct interpretation of this statute was given by Atkin J in Denney, Gasquet, and Metcalfe v Conklin. It is quite plain from his judgment that no formal requirements are required for a notice of assignment. It is sufficient if it brings ([1913] 3 KB at p 180):

"to the notice of the debtor with reasonable certainty the fact that the deed does assign the debt due from the debtor so as to bind the debt in his hands and prevent him from paying the debt to the original creditor."

It seems to me to be unnecessary that it should give the date of the assignment so long as it makes it plain that there has in fact been an assignment so that the debtor knows to whom he has to pay the debt in the future. After receiving the notice, the debtor will be entitled, of course, to require a sight of the assignment so as to be satisfied that it is valid, and that the assignee can give him a good discharge. But the notice itself is good, even though it gives no date.

Van Lynn Developments Ltd v. Pelias Construction Co Ltd [1968] 3 All ER 824

You should read both cases in detail and see if the test set out by Atkin J in the Denny case applies. Was there ‘reasonable certainty’ that the assignment took place?

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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A notice of assignment need not be in any particular form.If it states no date (and probably if it states no amount) then it will be a good notice if it sufficiently describes the debt. But if it specifies the date, then it must be strictly accurate. (I think that's either in Chitty or in Treitel).

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  • 4 weeks later...

Well they got their final charging order.

 

They have now sent a letter threatening their next action which will be attachment of earnings or order to sell my property.

 

Debt @ 6k and interest @12%

 

Any ideas were to go.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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  • 2 months later...

The court of appeal have dismissed my appeal application as I could not supply all the documents they requested for my bundle.

 

I now have a query going back to the original hearing last year.

HFO said in the WS and and at the hearing that they had applied to ammend the POC, whether they did or not I do not know.

 

Having been on HMCS website it clearly states that once the claim has been issued the POC can not be changed without re-serving the claim, this was never done. would this warrant me applying for a set aside on the original order.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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From HMCS website-

Once the claim has been issued the court cannot change any of the details submitted without an application and request to re-serve the claim. You must complete an application notice (N244) detailing the changes you would like to make and send this to the court along with an N1 completed with the correct claim details. The court will then amend the details, re-seal the claim form and return it to you to re-serve on the defendant. You must keep a copy of the sealed N1. It is then your responsibility to re-serve the claim form. You must then send the court a completed certificate of service (N215) along with the copy of the N1 so the court knows the date when the defendant’s response is due. Once the claim has been issued the court cannot change any of the details submitted without an application and request to re-serve the claim. You must complete an application notice (N244) detailing the changes you would like to make and send this to the court along with an N1 completed with the correct claim details. The court will then amend the details, re-seal the claim form and return it to you to re-serve on the defendant. You must keep a copy of the sealed N1. It is then your responsibility to re-serve the claim form. You must then send the court a completed certificate of service (N215) along with the copy of the N1 so the court knows the date when the defendant’s response is due.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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BA, many of us have a supposed assignment from HFO Capital that transfers all debts bought in the Caymans directly to HFO Services (it's an ongoing thing, 'inchoate', for all future purchases). So how come they say HFO Capital is the only legal claimant when they say - in other people's witness statements - that they assign it all to HFO Services? I think it's time to pull apart their systems.

 

Did you ever ask for a copy of the sale agreement relating particularly to YOUR alleged debt? They do exist according to HFO - I have one, even though their witness statement also relied on the 'ongoing' arrangement.

 

New evidence of fibs in witness statements may be another way to go.

 

Donkey

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I agree with DonkeyB re getting a copy of the assignment or sales agreement. I would do this in all cases as it can throw up some unexpected information to strengthen your case.

 

I am sure with this Cayman Islands connection there is some dubious practice you can shed daylight on which will help you.

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If I can go for a set aside I will try and get a copy of the deed of assignment.

 

I will phone the court on Monday to find out if they ever did re apply to change the POC, if they did not then they have been untruthful and if they did apply which I doubt, procedure was not followed.

 

2 questions can Capital legally be the claimant in the UK.

and if not do they have to assign to Services.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Now not an expert on this but I believe as long as they have a UK office for service of docs then it is quite legit. The dodgy aspect is are they using Cayman Islands to avoid tax? The answer will probably be highly likely.

 

I think the problem arises when anyone tries to take them to court and to claim back their charges etc. Last time I checked there were a number of ccjs against HFO for non payment of judgements. If you can find out if this is still the case you can refer them to the OFT for fitness to hold a consumer cedit licence. They need stopping but you need to stop them on your own case first.

 

Apart from the legal avenue you could ask HM Customs and Excise to investigate. ;)

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I have phoned the courts this morning and it looks like they did not apply to amend in writing before the hearing as stated in their WS.

 

What happened at the hearing the Judge allowed them there and then to substitute services for capital as the claimant.

 

This goes against what I have read on the HMCS website as is my previous post or can the Judge just do what he wants.

 

and if they did not apply in writing then they did tell an untruth.

Edited by broken arrow

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Is it not worth trying to gather a bit more evidence first BA? I'm thinking specifically some further digging into who the account was really sold to...

 

As there is no proceedings at the moment I would have to do SAR to get copy of sales agreement and deed of assignment, I would guess even then they would not let me see the deed of assignment unless I made an order through court.

 

Looking at other statements on the POC, it said that I had received notice of assignment from Morgan Stanley when I had not, another untruth, the date on the NOA was post the claim application and as we know it was not from Morgan Stanley it was from SW19.

 

On this NOA it states that HFO services are servicing the account on behalf of HFO capital.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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In your appeal, what were the documents you were unable to supply?

 

A copy of a previous order and transcript from my first appeal, the main problem was the cost of the transcript and I had to go to London, which for me is 250 miles away to add these docs to my bundle.

 

For me there was enough evidence or lack of from them anyhow.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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