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

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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

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

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

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

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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EXPERIAN... The final battle commences


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Well I did get them to remove the default in the end because the credit provider had not lodged a default against me ever and that they had not contacted me directly. Totally outrageous! Not sure whether my credit score will be affected or recompensed once it has been removed....this whole industry is just outrageously regulated.:roll:

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It is completely unregulated, just look at what is happening at the moment with banks all over the world. Credit crunch and bank has caused that and next will be recession in the UK not only will peoples homes be repossess but they will be loosing their jobs as well, all banks greed fault.

 

What I have found out is how many bank have connections with other banks across Europe and indeed the world. We have no protection whatsoever from sharks like CRA's and DCA's and the banking industry.:evil:

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It is completely unregulated, just look at what is happening at the moment with banks all over the world. Credit crunch and bank has caused that and next will be recession in the UK not only will peoples homes be repossess but they will be loosing their jobs as well, all banks greed fault.

 

What I have found out is how many bank have connections with other banks across Europe and indeed the world. We have no protection whatsoever from sharks like CRA's and DCA's and the banking industry.:evil:

So true.

I would be feeling that it is the banks getting their just deserves, except that it is going to destroy our way of life as we have known it post-war. It really is that serious. No government can bail this out - they are just making a show of it. They know things are way beyond saving.

 

What will happen - I don't know - history has never seen anything close to this before; and I include the great depression in that. This will be far, far worse :-(

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A NOC isn't worth the paper it's printed on - most CRA credit checks are credit scored and are therefore unable to take any information in the NOC in to account.

 

Today I received my requested credit report from Equifax and it has a notice of correct regarding a search that I have complained to Information Commissioners Office about letting DCA's into my account without any authority. One of the DCA's was removed because Equifax confirmed in writing that they did not have any paperwork. However as mentioned above the other DCA trace is still on my credit report with the correct below:

 

The corrected is dated. 17/06/08 and it says:

 

NOTICE OF DISPUTE - THE INDIVIDUAL CONCERNED AS DISPUTED THE ACCURACY OF THE SEARCHES AT THIS ADDRESS AND WE HAVE NOW CONTACTED THE SUBSCRIBER CONCERNED. CARE SHOULD BE TAKEN WHEN USING DATA AT THIS ADDRESS TO ASSESS THE CREDITWORTHINESS OF TH INDIVIDUAL CONCERNED.

 

 

The above was inserted on 17 June 08 how long does it take for them to send an agreement but I know they do not have one as the OC has confirmed to me that they nothing on me regarding data save for old bank statements that I could not make head or tail of.

 

Should I contact Information Commissioners Office and asked what is going on as they have not acknowledge my letter of complaint to them but they have obviously contacted Equifax as they would not have put that correct on my report?:-?

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Who put the default you are disputing on your creidt file Allwood - the OC or the DCA?

If it is the OC, it's them you must contact to remove the default; if the DCA, you need to send the DCA the OC's confirmation that they do not have a CCA & ask them to remove the default forthwith. If they refuse, besides the ICO (who will prob. take until the next century to act as they are snowed under) you can take legal action under the DPA against the DCA. An LBA should be enough to convince them!

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Who put the default you are disputing on your creidt file Allwood - the OC or the DCA?

If it is the OC, it's them you must contact to remove the default; if the DCA, you need to send the DCA the OC's confirmation that they do not have a CCA & ask them to remove the default forthwith. If they refuse, besides the Information Commissioners Office (who will prob. take until the next century to act as they are snowed under) you can take legal action under the Data Protection Act against the DCA. An LBA should be enough to convince them!

 

Hi foolishgirl it was BCW that put the trace on my file, I even wrote to them last year for a CCA but they said that they would refer the matter to Thames but not hear anything from them. Surely CRA should not let their friends DCA's put traces on people credit file just on their word not any proof that there is allege debt.

 

I think I will send the letter to BCW and copy it to Equifax as well the Information Commissioners Office. In fact the OC lender has sent 3 letter confirming that they have send all they have on me by way of data in response to my S.A.R - (Subject Access Request). I will post the letters from OC later when I get a bit of time.

 

Actually, I think I will not send the confirmation to the DCA, I will send it to Equifax as they should not have allowed them into my personal data without my consent.:evil:

Edited by Allwood
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sorry you havnt heard from me for a while. Thanks for al the input here. the fight goes on and we have reached that stage when I have to stop posting details to prevent the enemy knowing the next stage and how not to fall into it.

 

good luck everybody and I wil let you know when the battle is won...

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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Good Luck finlander, lets hope theres no gagging clause in any deal done with the CRA's so you can come back and tell everyone. ;)

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Best of luck, ive too come to a stale mate with them,

i await the outcome

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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Good luck

 

yes they are everywhere,,,,,be careful watch your back and keep your next move secret,,,,just come back and give us good results! and hope!

 

ciao for now maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Look what Experain put on their Terms and Conditions web page.

 

They are actually saying that the info they provide is useless. One must therefore presume that any written reports are not worth the paper they are written on. And don't they just love using that word "reasonable"

Im sure that this would not go down too well with a defamation case or libel case. If they cannot prove back up, or guarantee their own info they should'nt publish it in the first place.

How do most people get their reports or how do suppliers pass the information to them? At a guess I would say it's online over the the internet!!!

 

Guarantee

 

The content is only for general information, and we provide it as it becomes available. We take reasonable care to check that the content is accurate and complete before we publish it on the website. However, because we get the content from a number of different sources - and because of the issues involved with providing information through the Internet - we cannot guarantee that the content will always be accurate, available, complete or fit for any particular purpose.

Edited by Wirral
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Reasonable care is not defined in law ....what they may think is reasonable does not mean a judge woud agree....its a mattter for interprtation ....and we all know what Experian mean by reasonable ....because they take what a supplier tells them is correct......that is reaonable care?????...I don't think so

 

sparkie

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Reasonable care is not defined in law ....what they may think is reasonable does not mean a judge woud agree....its a mattter for interprtation ....and we all know what Experian mean by reasonable ....because they take what a supplier tells them is correct......that is reaonable care?????...I don't think so

 

sparkie

 

 

EXACTLY!

How many people have letters from them with "reasonable care" in it?

I've had at least 3.

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No, the do care about joe public, all they are concerned about is their DCA's clients. One CRA let 2 organization into my personal data without my consent and had no authority into my file whatsoever.

 

Waiting to hear from ICO regarding this breach of data.:(

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I think I might start putting that on any forms I fill in for banks or credit card companies :)

 

 

 

And add " The information I provide you with is correct as of todays date ....but my circumstances may change at any given time and therefore the reason for any innaccuracies that may occur in the future!!!!:D:cool:

 

sparkie

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...we cannot guarantee that the content will always be accurate, available, complete or fit for any particular purpose.

 

The current banker created global financial catastrophe is complete proof how utterly pointless the CRAs have been since they first climbed out of the sewers to prostitute our Data.

 

Had they never existed, we'd still be neck deep in exactly the same Debt Industry poo as we now find ourselves.

 

Millions of Credit Checks and intrusive searches have had the square root of feck all protecting the very Debt Industry they claim to have been shielding from cash hungry irresponsible Consumers.

 

The banking Titanic floating on a sea of invisible number-money was going to hit the Pooberg no matter what. The CRAs just made the Ship smelly, unnecessarily costly and very unpleasant to sail in while it was still afloat.

 

The sad irony is the bankers, DCAs and CRAs have been given a £500 Billion Fleet of 1st Class Gin Palace Lifeboats to sail away on.

 

The rest of us, however, are stuck on board and are going down with the Ship.

 

Cheers,

BRW

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The rest of us, however, are stuck on board and are going down with the Ship.

 

 

No, BRW, I'm in the CAG lifeboat & intent on surviving! :grin:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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The banking Titanic floating on a sea of invisible number-money was going to hit the Pooberg no matter what. The CRAs just made the Ship smelly, unnecessarily costly and very unpleasant to sail in while it was still afloat.

 

 

 

LMAO. Brilliantly put, BRW :grin:

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The current banker created global financial catastrophe is complete proof how utterly pointless the CRAs have been since they first climbed out of the sewers to prostitute our Data.

 

Had they never existed, we'd still be neck deep in exactly the same Debt Industry poo as we now find ourselves.

 

Millions of Credit Checks and intrusive searches have had the square root of feck all protecting the very Debt Industry they claim to have been shielding from cash hungry irresponsible Consumers.

 

The banking Titanic floating on a sea of invisible number-money was going to hit the Pooberg no matter what. The CRAs just made the Ship smelly, unnecessarily costly and very unpleasant to sail in while it was still afloat.

 

The sad irony is the bankers, DCAs and CRAs have been given a £500 Billion Fleet of 1st Class Gin Palace Lifeboats to sail away on.

 

The rest of us, however, are stuck on board and are going down with the Ship.

 

Cheers,

BRW

 

Don't forget that the credit checks are designed to protect the bank, and it's shareholders as a consequence of that, from unresponable lending.

 

Shame that caper didn't work out then, isn't it? :p

 

I wonder if they will start credit checking their brokers that perform billions of pounds of transactions a day with the same gusto, then? ;)

 

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No, the do care about joe public, all they are concerned about is their DCA's clients. One CRA let 2 organization into my personal data without my consent and had no authority into my file whatsoever.

 

Waiting to hear from Information Commissioners Office regarding this breach of data.:(

 

 

hiya all

 

this has caught my eye,,,only asking as on my sars i got back for one of my creditors i noticed they had inputted my mortgage amount still owing, yet im pretty sure they didnt get that from me so, was it from my credit file do you all think?

 

thanks just trying to understand this a little more ta maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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