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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      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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EXPERIAN... The final battle commences


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what a result Dipply75

 

this has to prove they don't have a clue about what they are controlling on there database.

will be going down the route again i think. but as of yet still waiting on replies.

 

think Mr Hancock is out of his depths and his advisors are deciding what course of reply to furish me with, to try and force the issue as closed.

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I am absolutely fed up with all this s**t, can we not pool some money together from this site and get a decent barrister to win a case against the credit reference agencies and set a precedent. I am trying to fight too many battles and hitting the same wall.... I for one would be happy to donate for this case to be fought in the courts... come on martin lewis and cag lets do this like we did in HULL.....

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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hi folks.... early in the morning but I am working nights.......

 

I have an update.......

 

Millsy has written to me....;) (good ole millsy)

 

well he says that their enquiries ar on going but so far Abbey and RBS have told them their data is accurate.... hahahaha....

 

However MBNA didn't put their default on it was done by link finaincial...... naughty link... anyway when challenged ...or asked ... they withdrew it... so that default has gone. However Millsy warned me (good ole millsy) that MBNA night reinstate it when they get the account back. Millsy is still looking into the other defaults (well one actually) and will let me know.

With my best interests at heart Millsy (good ole millsy) says that me and the wife can put a notice of correction on our account and has even worded one for us. :p

 

So im going to write back to Millsy and except his offer of a notice of correction pending the last bits of his rigerous investigation.

 

why? ... well lets put it this way......... Never interrupt your enemy when he is making a mistake....as Napoleon said.......;)

 

A military operation involves deception. Even though you are competent, appear to be incompetent. Though effective, appear to be ineffective. Victorious warriors win first and then go to war, while defeated warriors go to war first and then seek to win.

 

Sun Tzu 'The Art of War'

 

its official. millsy must be reading this thread and is trying to be as nice as possible, as he knows the game is up. good luck fella!!

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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with all the libel defaults on my credit file i can only get a mortgage at present that is 11.59%

 

a court action is a great idea. smash them out of the water and make the financial industry situp and take note. just think they might all be working together to control interest rates for loans, mortgages and general finanace. how shock would that be.

 

what you mean they dont. its just finding the links and the proof of it. its got to be out there somewhere. they swap between jobs in these companies. they dont lose touch with friends. we all know how it works. brown envelope here brown package there. no one will mind. unless they get found out.

 

rouge traders never mind cowboy builders and plumbers. watch this bunch of rouges.

 

this is just me guessing by the way i have no proof of what i say about this. just gets you thinking.

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thecteam

you scratch my back and i'll scratch yours,the old boys network.

It's all corrupt, Show me where there's money and I'll show you where there is curruption. You don't have to look far eg the premire football league. Now proving it is a different matter,

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I know, I mean how ridiculous is it.....This is your information, yet you are the only one that cannot change it willy nilly. You have to follow ridiculous rules, rules made up by the same companies (just companies, not government agencies or authorities) that play with your info and make a fortune from it. And where did these rules come from? Law, guidelines even? Nope, standard practice.

 

In other words suits at the top sat in boardrooms and decided how they would work this. Not us, not the law, not idiots we voted in. The Information Commissioner wants to pull the finger out and do something about these companies openly abusing our rights - before it all becomes very public and very embarrassing for him.

 

Hmmph, there, rant over :D

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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just sent Experian another email. have given them more than 28days grace to get in touch with barclays mortgages to remove one or both of the defaults they have on my file for 2 different amounts on the same day. one of them is wrong or both.

 

lets see what response this gets.

 

the only credit card i can apply for is a vanquis one. i have applied for it to see if i get it. if i dont i will be asking why. if they say the defaults i will ask if they read the notice of corrections on these defaults.

if they didn't i will want to know why. and then will be contacting Experian to explain why i cant even get a vanquis card. anyone should be able to get one of them cards. but at 34.9% interest it is a bit steep.

 

all because Experian had libel statements on my credit file.

 

watch it experian i aint finished with you.

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Vanquis probably wouldn't tell you why you got turned down, they'll just send you the standard leaflet on requesting your credit report from Experian.

 

I was able to get a Capital One credit card with a £200 limit on it with 3 defaults at the time of application.

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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Vanquis probably wouldn't tell you why you got turned down, they'll just send you the standard leaflet on requesting your credit report from Experian.

 

I was able to get a Capital One credit card with a £200 limit on it with 3 defaults at the time of application.

 

 

thats true clean forgot they aint allowed to say why. can never understand why they are not allowed to say. maybe its another one of them made up laws.

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Probably part of the contract between the banks and the CRAs.

 

"we'll let you shaft consumers using our CRA service if you refuse to tell them why they can't get credit so they have to come give us some money to find out how you've screwed them over."

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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Probably part of the contract between the banks and the CRAs.

 

"we'll let you shaft consumers using our CRA service if you refuse to tell them why they can't get credit so they have to come give us some money to find out how you've screwed them over."

 

pretty much sums it all up mate. i hope i do get refused. even though i have a score of over 737.

 

just checked the vanquis interest is 39.9%apr. will make sure when used it gets paid straight back. no interest added hopefully. or vary little

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is it possibly worth considering sueing the original "creditor" who can't provide you with a CCA ,when they then proceed to file a default with a CRA....the CRA then distribute that default,in effect perpetuating the libel which the original "creditor" created

This is part of the plan...CRA's first... then the alledged creditors :rolleyes:

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Experian's 28 days are up on my request for them to have BoS substantiate the default they placed. They said they would be in touch when BoS repond so i can only assume BoS haven't responded. I've sent them a formal request to supress the default as per the Information Commissioners Office's Guidelines so we'll see if they do it or not.

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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finlander. i used some of your letter. and sent it to experian. they noticed it was more or less the same. they aint folding mate. it has to be a class action or a test case against this lot.

 

i will stand with you in court all the way. standup people be counted or be abused by these people.

 

court is the only thing that will put pay to these money grabbing people out there.

 

they are the ones that force the mortgages interest rates up for you. your credit cards.

 

sorry if it mess your fight up. but it had everything i needed to use., i just missed one bit and he picked up on this. sorry fella.

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thecteam,

 

Interesting ...what did he say?.....

 

;)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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thecteam,

 

Don't worry about it. If Experian are going to try and use the entirely new defamation defence of 'He sent me the same letter of complaint as another person did your honour! so therefore pooh-bahh to him' then I think that possibly we could soon see the directors of Experian in the street with a 'will dance for food' sign around their necks.

 

Utter laughable rubbish.......tell them that your complaint still stands... they are still defaming your good name and to stop wasting your time or face the conseqences.. which believe me I have every intention of seeing through to the end........:mad:

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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lol magically Experian claim that HBOS have now responded (funny thay happening on Day 28 eh?). I think I'll be SARing HBOS for all correspondance between themselves and CRAs in relation to my account. I want to see if they were actually contacted or if the CRAs are happy just to fob people off.

 

Still ranting to Equifarce about how fast they close cases without even asking the customer if they want it closed.

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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court is the only thing that will put pay to these money grabbing people out there.

 

I would agree with you, if it wasn't for this post; (post #74 on that thread)

 

http://www.consumeractiongroup.co.uk/forum/other-stores/110148-car2403-ge-capial-bank-4.html#post1630203

 

Sadly, it all comes down to which Judge you get on the day.

 

:mad:

 

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Yeah, you can walk in thinking you have a rock solid case and walk back out thinking "how did I lose? the judge didn't even listen to x, y & z or even consider my other arguement". Luck of the draw.

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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car2403,

 

Looking at your thread above it would appear that your agreement was improperly executed and not, as some of us are getting, completely unenforceable (the standard application form). Is that correct? It appears it was laid out correctly but just not signed and dated etc. Trying to work out the judges logic.

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Probably part of the contract between the banks and the CRAs.

 

"we'll let you shaft consumers using our CRA service if you refuse to tell them why they can't get credit so they have to come give us some money to find out how you've screwed them over."

 

I think it would be a good government move to MAKE them tell what entry made them reject us - after all it may be an incorrect entry. I have lots on my account I am fighting one by one, several 'fall off' later this year and I am leaving them be... but any recent ones are strongly challenged. The OCs say the CRAs 'by law' ask them to report to them. I've asked to have in writing 'which law and what part of it' but nobody has got back on that point yet.:-D

 

I also think the 6 year rule should be scrapped, it is nonsense, nobody clobbers the banks for making mistakes 6 years down the line, or at any other time....

 

I'm now in the process of completely clearing any credit lines in my life, other than the Sky TV and my mobile phone. Should make for interesting reading in a years time on my credit file.:)

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car2403,

 

Looking at your thread above it would appear that your agreement was improperly executed and not, as some of us are getting, completely unenforceable (the standard application form). Is that correct? It appears it was laid out correctly but just not signed and dated etc. Trying to work out the judges logic.

 

Yes.

 

The claim was for default removal due to the charges applied, but the Judge wasn't interested in any prejudice I suffered due to being unlawfully Defaulted under an improperly executed agreement, which he should have been, considering he looked at s.65/s.127 and considered that GE would have got a Court Order if they requested one, even though they didn't bother their arse asking for it.

 

You're right in that it would have been a totally different outcome if it was irredemably unenforceable under s.127(3), but I was pointing out the "Judge lottery" that goes one, rather than the actual outcome yesterday. For instance, in the previous Case Management Conference meeting with a different Judge, he had indicated that GE should be "urged to discuss a without prejudice settlement", prior to the final hearing yesterday, as he believed the Default Notice to be faulty and accepted my argument it was invalid, therefore making the Default entry on the CRA file unlawful under the DPA. (Note, not the default entries - such as late payment markers - which probably were factual)

 

As you say, this Judge's reasoning is a little difficult to swallow - mainly because he didn't share his entire reasoning in the trial, probably to prevent me even considering appealing against his decision! :mad:

 

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