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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.

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Forgottenone/Capone CCA/Default


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Guest forgottenone

Hello. I was keeping a record of their calls, along with all other creditors. I don't and haven't been answering them, however. Purely because there is nothing to discuss on the phone and because I've already instructed them not to. So, to avoid getting into the inevitable discussions ... not answered. There is now a block on my phone line as per my letter above. I read somewhere else this week on another source about dealing with these tactics from DCA's creditors ... and apparently this is okay for me to do this ... eg when it becomes apparent they've ignored your request to stop. Had to do it, or ... well, I don't want to be in hospital again.

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Guest forgottenone

Oh, sorry, yes, they were calling twice a day ... up to three before I blocked them. Oddly, those times seemed to coincide straight after I posted here ... may have been pure random coincidence.

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The reason for asking is that they are actually committing a criminal offence - a possibhle route is to get the directors charged under the Protection from Harassment Act 1997 (ss1&2) and the Communications Act 2003 (s127) backed up by the Administration of Justice Act 1970 (s40). I have posted a thread about it in this forum http://www.consumeractiongroup.co.uk/forum/capital-one/152151-volunteer-wanted.html

 

 

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Guest forgottenone

Yes, saw that, but couldn't reply on it then had to dash out. Back now. I agree entirely about the criminal offense thing. Had witheld numbers today and yesterday ... can't be certain it's a creditor but obviously they don't want me to knoe who is calling. Four so far. Logged them, anyway. I'd be willing, but compared to some I may not have had enough calls eg dozens a day.

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  • 3 weeks later...
Guest forgottenone

The situation currently with Capital One is:

 

Produced an application form which was also forged. Application form confirmed being unenforceable on CAG, but also not what I requested. This is presently being queried eg account in dispute but also the different handwriting, amongst other things. Will shortly, on the advice on someone on CAG, be writing to their customer complaints department.

 

So, until they provide what was requested, still in dispute/default. Ongoing.

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I'd be willing, but compared to some I may not have had enough calls eg dozens a day.
Two or 3 a day where you answered over a period of time would be enough IMHO

 

 

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Guest forgottenone

Right this is the situation here ... right now with Capital One. Healthwise I am detiorating very rapidly ... this week received some potentially devastating news in that direction ... and pretty soonish I am not going to be able to deal, handle or even begin to deal with any DCA's or any creditors. You could say things are worse than bad. So, trying to cope with detiorating health, consequences of previous events is enough really to be contending with. And the fact, if what the outcome of hospital this week is verified ... I may not even be around much longer regardless anyway.

 

Received this from Capital One today ...

 

er.jpg

 

As threads have been merged I will update the situation as follows:

 

1 1st request CCA May; no reply for over a month; gained verbal confirmation from Royal Mail July it was untraceable; postal order remained uncashed

 

2 Left with no choice, as obviously I needed the confirmation as proof they had received it - and to produce later should I need to etc - had to CCA them again

 

3 Received an application form, with forged handwriting

 

4 Wrote explaining this, but also that I didn't recognise the handwriting

 

5 Now received this template letter ... doesn't address any of the issues I raised

 

6 Really have not a clue where or what to do from here. So am looking to more help. The reason I don't have a clue is because I am trying to fight against ill health, also deal with a disability that is destroying me mentally and physically every second of every day. And no one can stop it. And now facing another disaster ... keeps on coming ... never stops ... with whatever comes next after this week ... determining how long I have left to live. Sorry, I know how that sounds but this is what I am coping with right now and have been for over 2 months.

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Guest forgottenone

Well anyway ... another member is having exact same trouble as myself ... except in my case they've entered my date of birth, handwriting ... is forged, and is not mine. Also the rest of the 'form' they've sent is dodgy looking as well. Found this letter on the other thread and would it be applicable to my own situation?

 

Account in serious dispute

 

Dear Sirs,

 

Thank you for your response to my request under the Consumer Credit Act section 78..

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act and is therefore unenforceable under section 127(3) of the same act. Furthermore, the signature on the document doesn’t appear to be genuine and may have been forged in an attempt to mislead me into believing that the agreement is legally enforceable. I hope that you take this matter seriously and fully investigate my complaint as matters arising from such actions would be viewed has criminal.

.

I shall also be considering contacting my MP and all regulatory bodies over your conduct.

 

I except a response within 14 days

 

If I can avoid doing so, even though within my rights to ... I want to avoid words like 'reporting the matter to the police'. And TBH Capital One - as the above letter indicates where it says you are welcome to report this to the FOS but we will still pursue the debt anyway ... don't need to say just shows the contempt for regulations Capital One has. It will just provoke a kneejerk reaction; perhaps.

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Guest forgottenone

Okay, getting really mixed up. Been looking around CAG for anything applicable to this situation ... for reference etc ... came across this as it's the same template reply for the same application form aka 'CCA' ...

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/150236-capital-one.html?highlight=capital+one

 

Just I'm reading a lot about ignoring some letters, but not others ... on lots of other similar threads about Capital One agreements. I know this isn't enforceable for example ... so should I 'ignore' at this stage ... as just getting template letters - that letter sent to me isn't even relevent anyway as the account is already 'closed' defaulted *in as much as the default notice itself was dodgy itself* passed to Debitas ... and refers to adverse credit etc ... if payments aren't made ... so much for Capital One keeping on top of correspondence then - and simply wait for the next stage?

 

Looks like I will be trading template letters for example right now. Just getting really confused as what to do next more than anything. Probably not making much sense right now ... trust me .. it's even worse ... for me to try and make sense of anything, let alone put it into words ... just a losing battle it seems. Things just won't function properly anymore it seems. Just really terrifying TBH. Losing sense of things like this.

 

I will send the letter I pasted above but does anything else need to go into it ... or is that okay as it is? What I mean is ... from reading Havinastella's thread ... there's a lot about mailer applications - which this would have been at the time - and photocopies, also where the terms and conditions were eg on the back ... or on separate sheets. Whether I just leave all that stuff out or what?

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I know it is odd, and I may have explained it on this thread before (if so, apologies) but sending an agreement that complies with s78 and sending an agreement that is enforceable are in no way related!

 

For s78 compliance they can send a 'reconstituted' agreement with no signature and T&Cs from a different century.

 

To be enforceable, they must send at least a document (in whatever form) that contains your signature and the prescribed terms - this may be an appliaction form with the prescirberd terms on the back (although they must prove that the prescribed terms are the ones you signed up to). In court, they must produce an original of such a document not a copy.

 

 

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