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    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • 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.  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) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 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 contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No 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 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 this document.  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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. 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 2) 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. 
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curiodeb/Howard Cohen **Case Struck out**


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Hi Guys! Have just joined site today after searching the net for some help and hope there is someone out there who can advise me on what to do next.

Had an Evans card account with GE Money which defaulted, and after a few months on a payment arrangement I got a statement from CL Finanace?? saying that I should continue to make payments to them as normal. I made 3 payments (each of £50) to them but still with confusion as to who they were, ran into some finacial difficulty recently and missed last months payment and yesterday recieved a claim form issued by HOWARD COHEN & CO??

 

Have never been in this situation before and don't know what to do next?? The level of worry this is causing is making me ill can anyone help me please..

 

Many thanks for looking at this,

kind regards Debbie

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Is there anything legal in the notice or is it just a letter asking you to contact them to arrange to pay the debt? Are you disputing this debt or do you simply want to arrange to pay it?

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You've missed the payments and they are now attempting to go for a CCJ on you Debbie....did you ever request a copy of your Consumer Credit Agreement ? Are there some excessive charges that have been added to the account also ?

 

If it is a set of papers with the Northampton County Court stamp on it, then you have to acknowledge the claim within 14 days of the date on the papers, then you have another 14 days to submit your defence.

 

If it was me in your position go for a Civil Procedure Request.

 

This is what you should send to Cohen's by recorded delivery ASAP...

 

In the XXXX County Court

Claimant -v- (YOUR NAME)

Claim Number: (CLAIM NUMBER)

 

 

Dear XXX

 

CIVIL PROCEDURES REQUEST FOR INFORMATION

 

I have received a recent court claim from your organisation. In order to file a defence and counter claim I require some information. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below.

 

The information must be furnished within fourteen days of the receipt of this letter. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. All records you hold on me relevant to this case, including but not limited to:

 

a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with *********.(AMEND TO THE COMPANY NAME)

c. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

d.Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

e. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

f. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

g. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

h. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

i. Copies of statements for the entire duration of the credit agreement.

 

3. Any other documents you seek to rely on in court.

 

 

I will require this information within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

Yours sincerely,

 

XXXX (type, don't sign).

 

You might like to have a look here too...

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/108467-basic-introduction-consumer-credit.html

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Yes it is a court claim form from Northampton (CCBC) and I would like some help as to my next step as I do not want a CCJ. How to proceed with this claim form?? I understand that I have 14 days to reply to this and if I submit an Acknowledgement of Service this gives me an extra 14 days to mount a defence but I feel completely out of my depth.

 

My issue with CL Finance is that my account was not with them it was with GE Money and I was never given any indication as to it being taken over. I have been hammered with charges and interest etc which have grown the debt beyond my control and I don't even know who these people are...where did GE Money go and is my actual debt with them or CL Finance??

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Hi Pinky!

 

Thank you for looking at this for me.

 

Have had the card for 5 years and the claim form came from Northampton (CCBC) Claiment being CL Finance and signed Howard Cohen & Co

 

Regards

Debbie

 

 

Just to check - this is a blue form that came from the court?

 

If it is then you need to acknowledge service within 19 days of the date given on the form. You can do this online and there are instructions on the form for how to do this.

 

If you do not dispute the debt but are asking for more time to pay then you should admit the debt and ask for time to make repayments.

 

If you wish to dispute the debt then you should state that you will be defending the claim. That will then give you 33 days from the date on the form to get your defence in. There are plenty of examples of defences on this site. If none are suitable then just shout.

 

You should also send this letter to the solicitors or whoever are named in the box that says address for delivery of documents on the blue form (adapt as necessary, not all parts might be relevant to your case):-

 

Dear XXX

 

REQUEST FOR INFORMATION UNDER CIVIL PROCEDURE RULES PART 18

 

I have received a recent court claim from your organisation. Given that this matter is now the subject of legal proceedings, I require that you disclose the information and documents detailed below as they are reasonably necessary and proportionate for me to understand the case against me and to prepare my own counterclaim.

 

The information must be furnished within fourteen days of the receipt of this letter. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

 

2. All records you hold on me relevant to this case, including but not limited to:

 

a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

 

b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with *********.(AMEND TO THE COMPANY NAME)

 

c. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

 

d.Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

 

e. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

f. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

g. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

h. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

i. Copies of statements for the entire duration of the credit agreement.

 

3. Any other documents you seek to rely on in court.

 

I will require this information within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

Yours sincerely,

 

XXXX (type, don't sign).

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Thanks guys...starting to feel better. Will write suggested letter to Solicitors and send special delivery and complete the Acknowledgement of Service online.

 

What happens if CL don't supply me with the documents requested?

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Ok will print signature. Reading some of the threads as advised am I right in thinking that CL Finance have bought the debt from GE Money and maybe for a much reduced amount? The amount I have actually spent on the card is £2800 but with charges and interst over time this is now £3900+. Is it advisable therefore to counterclaim for these charges and interest or to admit the full amount and ask for time to pay?? I am not sure about my entitlements if any

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If it is a set of papers with the Northampton County Court stamp on it, then you have to acknowledge the claim within 14 days of the date on the papers, then you have another 14 days to submit your defence.

 

Everyone is obviously much faster typists than I am :cool:

 

Just one small point though (I hope you don't mind me correcting you) it is actually 19 days from the date on the claim form.

 

This is on the back of the claim form

 

Time allowed to reply to this claim

You must respond to this claim form within 14 days of the day of service. The attached forms may be used for that purpose. The day of service is taken as 5 days after the issue date shown overleaf.

 

regards

 

nicklea

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Wow! Zazen that was brilliant reading and well done on all that letter writing. It seemed pretty heavy handed in places and suspect I have all this to come....in the last couple hours have learned an immense amount but need to read much more...

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Thanx honey...have never absorbed so much information in such a short space of time lol :)...its fantastic to know people are out there willing to help when you have hit a bad patch,

 

thankx Deb

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  • 2 weeks later...

Hi Guys! Here is an update of proceedings, I filed an AOS with the courts to give me more time with the intention of defending part of the debt (intend to claim back charges etc). I wrote to Cohens and CL Finance offering an ex gratia full and final settlement of £2000 (bearing in mind the sum filed at court is £3950) and stated that this was non negotiable and if not accepted intended to defend the debt and in which case would need them to supply me with all account information as you suggested under CPR. Have received reply this morning that reads:

 

Dear Me

 

Re: CL Finance v Me

Northampton County Court Case *****

 

We refer to your letter date *** in which you have made an offer of payment on this account. The offer of payment contained in your letter is unacceptable to our client but they are willing to accept an offer of £3560.00 in full and final settlement of this account.

 

You have also made a request for information under the Civil Procedure Rules. We are not obliged to provide this information and would advise that the particulars of the clam detailed in the countty court form be sufficient to allow you to respond accordingly.

 

If you are unable to pay the account in full please respond to the claim form with either an appropriate defence or an admission and offer of repayment. Failure to do so will reult in a judgement being entered without refernce to you.

 

Your sincerely

Howard Cohen & Co

 

I really do not know where to go now, are they trying it on to see if I will offer more or do they not care if this goes to court and I offer to pay only £10 per month. They haven't supplied any documents for me to file my defense and to see how many charges there are and I really need those. What is your advise for response?? Offer a bit more or submit that they will not supply requested information?? I have until 12th July to file defense,

cheers Deb

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The court won't look kindly on the fact that they haven't provided you with the information you requested to prepare your defence and you can tell the court that without it you have been unable to prepare a proper defence. I wouldn't offer these busturds another cent and if they don't give you the information you requested the case may well end up being struck out.

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Hi Debs posted this to your original thread so just moving it

 

 

 

Hi Debs and welcome to Cag

 

Firstly is it possable you could post up the following details of your case in order to advise further

 

Claiments P.O.C (partiulars of Claim)

Copy of the CPR 18 Request you made

 

Can I recommend not admitting any liability for the debt, partial or otherwise. If the credit agreement has not been provided by CL Finance as the result of a CCA request, then you have no way of ascertaining if the contract is legally valid under the CCA 1974. In the absence of this information, you are unwisely, in my opinion, admitting liability for a debt, that hasn't been proven to exist or one that conforms to the requirements of the CCA 1974.

 

You might be thinking that of course a debt exists! However, for the purposes of the law, the existence of the debt is determined by a credit agreement being furnished by your creditors and one that is deemed to be properly executed, which means its layout and content conforms to what the CCA 1974 prescribes.

 

You have tried the reasonable approch and found to your taste that they want to play hardball. I would suggest changing your plea to defend all for that simple reason outlined in their responce to your letter.

 

I trust the above is helpful.

 

Regards

Andy

Edited by Andyorch
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Cheers Pinky!!

 

 

Hi Andy, thanks for that, made me feel lot better when I read your post, will upload the information asap for your perusal.

 

Yes I did enter a plea to some of the debt on the grounds that their was a debt to be paid...how do I go about changing my plea? Sorry...feel a bit daft asking certain things that are probably obvious but I am on my own and never had to deal with stuff like this before.

 

Letters to follow, my request for information & Thier response letter.

 

Thanks again

regards, Deb

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Particulars of claim read:

The Claimant's claim is for the sum of 3790.27 being monies due from the Defendant to the Claimant under a regulated credit agreemant between the Defendant and GE Capital Bank Limited under reference no. ******* and assigned to the claimant on the 28th February, 2008 notice of which has been given to the Defendant.

 

The Defendant has fialed to make payment in accordance with the terms of the agreement and a default notice has been served upon the Defendant pursuant to Section 87(1) of the Consumer Credit Act 1974

 

The Claimant claims the sum of 3790.27

 

----------

 

and here is letter I sent them:

 

courtpaper.jpg

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Ok Debs

 

Im just on my way out,will return shortly with further advise and a suitable response to our friends reply re CPR 18 request.With regards change of plea you will have to ring the Court I am not sure if you can change it MCOL on screen that page may now have expired,telephone number top right tiny print, to enquire re change the staff are quite helpfull

 

Back shortly

 

Regards

Andy

We could do with some help from you.

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