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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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The Mortgage Corporation PPI thru Cassidy Davis Underwriting [LLoyds]


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In the late 1980's early 1990's we had a mortgage with a company called "The Mortgage Corporation" who occupied some large buildings in Woking in Surrey .

 

The mortgage itself at the time was a sub-prime mortgage and consequently the rate ot interest we were charges was extortionate .

 

I have heard that we can pursue a claim against this company for compensation in respect that it was possibly mis-sold , however , we have one problem !

Does anybody know who took them and their customers records over and where we can write to them ?

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Hi Spursflyer and welcome to cag :)

 

I have tried different avenues to research The Mortgage Corporation and they all come back to this company

 

The Mortgage Corporation

C/O Wilmington Trust SP Services (London) Ltd

Tower 42

Level 11

125 Old Broad Street

London

C2N 1HQ

 

Company registration No. 01759546

 

 

I think you need to confirm with them that it is the mortgage corporation in woking that they are incorporating in their large international company.

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Hi Wino ,

I have managed to track this back thanks to some guy at Wilmington referring me back to the FSA . I gave them a call and they checked their records and this is how it all unfolds :-

The Mortgage Corporation Direct Ltd

Dukes Court ,

Woking ,

Surrey

 

This company was a trading name of :-

Brittanic Money Investments Services Ltd

According to FSA records .

 

Who were owned by :-

Brittanic Assurance PLC

 

Who in September 2005 merged to become :-

Resolution PLC

 

Who on 1st May 2008 were sold to :-

Pearl Group Ltd in Peterborough

 

I hope the Pearl have got some money put aside for a few good claims !

 

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Good luck spursflyer ;)

Don't forget to keep us informed on how you get on. It will help others in the same boat as you. :)

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Good Progress With This !

 

I have just phoned Phoenix who oversee the Britannic Assurance division of The Pearl Group who gave me a number for "The Mortgage Trust" . On calling them they managed to trace my mortgage roll number with The Mortgage Corporation Direct Ltd and I have requested a copy of the original mortgage agreement which they are going to send me . If anyone else wants to call them their number is :- 0800 550 551 .

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  • 4 years later...
  • 2 months later...

Hi Spursflyer,

 

I too am pursing the Mortgage Corporation. I have just spoken the the Financial Ombudsman Service and they advised me to get the SIB number from the endowment policy provider. The SIB number identifies the financial advisor who miss-sold the endowment policy. But I am also going after the Mortgage Corporation if they sold me a sub-prime mortgage ! So it would really be helpful to know if Spursflyer was successful in any shape or form.

 

Best Regards

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  • 1 year later...
Good Progress With This !

 

I have just phoned Phoenix who oversee the Britannic Assurance division of The Pearl Group who gave me a number for "The Mortgage Trust" . On calling them they managed to trace my mortgage roll number with The Mortgage Corporation Direct Ltd and I have requested a copy of the original mortgage agreement which they are going to send me . If anyone else wants to call them their number is :- 0800 550 551 .

 

Hi I know it is a few years ago but how did you get on with your claim against the Mortgage Corporation? I had a mortgage with The Mortgage Corporation in the late 80's and ended up paying over 15% interest. I called The Mortgage Trust as mentioned in your thread but I did not have the same response from them as you did as they said that all the records they would have held would have been destroyed after 6years and consequently they could not trace me in their records.

 

I notice that you posted your thread in 2008 and The Mortgage Corporation had already not been in existence for more than 6 years at that time and they found your records. It makes me think that they are not prepared to look for my records. Unfortunately I no longer have my mortgage account number. I would appreciate any advice anyone may have.

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  • 3 weeks later...

I have just shredded correspondence to Eversheds Solicitors acting for the Mortgage Corporation showing full settlement of a reduced debt in full. This was back in 2001. I then stumble across this site. It seems that I wasn't the on;y one to suffer at the hands of The Mortgage Corporaration. It cost me my marriage of 25 years and bankruptcy. Do I have a claim ?

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  • 1 year later...

My dealing with The Mortgage Corporation span the years from 1988 to 2001 where I was paying up to 15.65% on my mortgage.

You guys have done all the legwork by the look of things here.

I have a question. Do I just write to Pearl group ltd in Peterborough and just ask for some money back?

Seems to me it can't be that simple.

And how old is this posting? My writings are here september 2015.

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My dealing with The Mortgage Corporation span the years from 1988 to 2001 where I was paying up to 15.65% on my mortgage.

You guys have done all the legwork by the look of things here.

I have a question. Do I just write to Pearl group ltd in Peterborough and just ask for some money back?

Seems to me it can't be that simple.

And how old is this posting? My writings are here september 2015.

 

Hello and welcome to CAG. All the posts are dated; the thread started in 2008 and the post before yours was in 2014. It might be better to start your own thread.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Many thanks HoneyBee13. I see the dates now.. My Bad sorry.

I'll give a couple of days as it only took you a couple of hours to spot my posting.

Seriously considering one of those professional PPI types to chase this one down for me.

Thanks for the guidance.

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  • 4 weeks later...
  • 5 months later...

Hi,

I had a mortgage with the mortgage corporation from 1990-1998. I have traced them to the present day in the guise of :-

 

Mortgage Trust Ltd.

51 Homer Road,

Solihull,

West Midlands,

B91 3QJ.

 

I had PPI arranged through the mortgage corporation and am trying to claim this back. I have gone thru' the claims process myself with Mortgage trust and they say that because cases prior to Jan 2005 fell within a non-regulated sale environment they do not have any liability. When I took my complaint to the Financial Ombudsman service (FOS), they confirmed that this was the case.

 

They did however state that I could take the complaint to the insurance underwriter (the insurance company who actually provided the cover) and the FOS would be happy to help if I had problems with them. Here lies my problem.

 

I do not have any details of the insurance underwriters who the mortgage corporation dealt with in the 1990's as I was never sent any documentation.

 

If any body out there has their ppi policy details, I would be very grateful if you could provide me with the name and possibly the address of the insurers used by the Mortgage corporation in the 1990's

 

Many Thanks,

jxgrgs

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  • 5 months later...
I had a mortgage from 1990 to 1996 with the mortgage corporation and managed to get my endowment refunded but it was only what I had put in .

 

Could I have had PPI with this as well ?

 

Hi we had a mortgage with them from 1988-1998.

 

 

I went down the line of the financial ombudsman but looking at the company who sold it to us not the mortgage company, and got no where.

 

 

I hope you see this and can advise me how you managed to get any refund.

 

 

I have just applied for PPI and I'll post when I know more.

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Hi,

I had a mortgage with the mortgage corporation from 1990-1998. I have traced them to the present day in the guise of :-

 

Mortgage Trust Ltd.

51 Homer Road,

Solihull,

West Midlands,

B91 3QJ.

 

I had PPI arranged through the mortgage corporation and am trying to claim this back.

 

 

I have gone thru' the claims process myself with Mortgage trust and they say that because cases prior to Jan 2005 fell within a non-regulated sale environment they do not have any liability.

 

 

When I took my complaint to the Financial Ombudsman service (FOS), they confirmed that this was the case.

 

They did however state that I could take the complaint to the insurance underwriter (the insurance company who actually provided the cover) and the FOS would be happy to help if I had problems with them.

Here lies my problem.

 

I do not have any details of the insurance underwriters who the mortgage corporation dealt with in the 1990's as I was never sent any documentation.

 

If any body out there has their ppi policy details, I would be very grateful if you could provide me with the name and possibly the address of the insurers used by the Mortgage corporation in the 1990's

 

Many Thanks,

jxgrgs

 

Hi you have been so helpful to me with the address for The mortgage Company I now have a gift for you. Been the border I am I have our 'payment protection plan' certificate sold as a ' Loyalty bonus!', and it's under written by:-

 

Cassidy Davis Underwriting Ltd at Lloyds of London

 

I have just rang Lloyds PPI line and they have taken our claim which is from 1992 - 1998,

I thought they were the best option rather than chasing 'The Mortgage Corporation'.

 

 

I am hoping the person who posted last year can give some advice regarding the endowment claim as I failed with the ombudsman as I directed it towards the financial advisors who, surprisingly, were no longer in business!

 

Good Luck and hope this helps

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Hi everyone. I hope you are all well. We had an endowment mortgage with the Mortgage Corporation from December 1986 through to June 1995, then went to Nationwide. We were steered towards the endowment mortgage with the Mortgage Corporation with the promise that in 25 years time we would have enough money in the endowment to buy two new cars! Obviously this did not happen, when the policy matured in 2011 we had just over 20K to pay off our mortgage. Can I now, at this late stage, peruse a claim for miss-sold endowment? I would appreciate any help here. I have found the financial advisor who sold us this mortgage on Linkedin.

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