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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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Apex and Lloyds Tsb


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Have received the following demand for a loan account and current account that is now closed.

Lloyds have continuously taken monthly payments from the current account to pay for the loan and of course being in an "unplanned" O/D situation the charges have piled up. The accounts were placed in the collections dept in Brighton and a token repayment offered but was refused.

 

Apex have now demanded payment in full but have added the loan account and current account together.

 

I have sent a prelim letter to LLoyds to recover the charges, which I had hoped would cover most of the balance owed on the current account.

 

How do I respond to Apex regarding this?

 

Thanks for any help with this one.

 

apex1.jpg

 

IMG%5D

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Don't call them Apex are thugs.

 

Write ASAP - I am sure more experienced folks will be along soon - this is very heavy handed behaviour even for a DCA but I suspect is it basically a shock tactic to get you to call and try and bully you into paying more than you can afford.

 

DO NOT CALL them - did they not bother to sign it?

 

Did Lloyds write to you to tell you they were transfering it to Apex - they did with me if they call don't talk to them - Apex try and be clever but you can insist on everything in writing

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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thanks redvixen, lloyds sent a letter confirming their refusal of token payment and to say the account was being transferred. They also said I could make offer to the DC once transferred.

 

This is the 2nd letter from apex. On receipt of the the first demand I sent CCA request but have nothing as yet.

 

Should I write to inform them that they have combined 2 accounts? one of which is the subject of charges?

 

Thanks for help.

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How long ago did you send the CCA request?

 

A CCA request probably won't cover the overdraft as it won't be governed by those regs. I certainly haven't bothered CCA anything to do with Lloyds as it isn't relevant I believe the request will cover your loan

 

I was told by the CAB who sent my initial letters to my creditors (which Lloyds ignored) that Lloyds rarely agree to any payment plan but that the DCAs they deal with usually do - I think that is a bit generous to DCAs but it may be worth making your offer to them - there is something to do with writing without predjudice on the offer which is important which hopefully someone else can confirm

 

I still think they are being heavy handed - I got threats from Apex but then is was suddenly transfered to SCM when I wouldn't play ball - by not playing ball I mean refusing to talk to them on the phone - they gave up very fast really

 

The in house parasitic solicitors (SCM) are more vicious about the whole thing but sometimes combine the loan and current account sometimes they don't. I am in a very similar position to you. Overdraft made up entirely of charges and a loan I was unable to maintain payments on after losing my full time employment in Nov 07. Now dodging the usual bull**** while I try to get then to agree to my payment offer.

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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The DCA will not acknowledge the charges issue they are working of info given to them by Lloyds though past a certain point in the charges proceedings the charges issue does put that account into dispute and they SHOULD drop it for a while BUT THEY WON'T.

 

I don't know the official line regarding the accounts being merged I assumed it was just to make this more complicated for me

 

I am claiming PPI back - which will cover over half of my alleged debt but this is also being ignored

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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thanks for your replies. SCM were the solicitors who phoned while the account was in collections and said the monthly offer was unacceptable. I suffer epilepsy badly and had to give up work 12 months ago so the account began to take a downward spiral.

My income is ridiculous and even though I kept them informed they weren't interested so the charges piled on.

 

Sorry to see you too have been treated shabbily. Hope all goes well for you.

 

CCa request went last month 10th June.

 

I sent lloyds and SCM breakdown of income and expenditure showing all I could afford but they still want the blood as well. I just don't know how to go about things now as I get very poorly under strain etc. I imagine many people do with these people.

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So they have defaulted on the CCA request if it was about the loan and will have committed an offence in 12 + 2 + 30 days.

 

I really hope someone more knowledgeable than me confirms regarding CCA and loan

 

I think SCM writing to refuse the offer was a ploy to scare you - I bet the contact number was the Lloyds collection centre - they did that to me with my credit card - that has since been passed to another DCA who so far have been very quiet

 

They will make all sorts of threats - one line I took was along the lines of this is my income this what I can normally afford at the moment please bear in mind that should Lloyds decide to throw their toys out of the pram and take court action the judge will be working off the same figures and you may end up with a lower payment. Hasn't stopped them making more threats but it does tell then that I will not back down

 

It might be worth seeing your local CAB they may not do a huge amount (I think it depends on which CAB you use) but will write on your behalf making an offer - half the problem here is that the weasels ASSUME we know nothing But they KNOW the CAB know exactly what our rights are. Other CABs I know have taken a huge weight off people so with them and CAG behind you, you can breath a little more easily

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Hi

Just subbing to this as I am in a similar situation with Apex, they are not the nicest DCA to deal with.They ignore everything.

 

Would be interested to know if they are allowed to demand a combined amount, particularly if one account is in dispute due to charges. Does anyone have any sort of letter to deal with this?

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  • 4 weeks later...

just updating with the latest on this.

 

I have written to apex informing them that part of the sum they are demanding is subject to charges which are about to be reclaimed. They totally ignored this and have issued a further letter stating they will be taking legal action for recovery of the full amount.

 

Does anyone have a strong letter for me to send regarding this?

 

The current account is the one with charges attached due to Lloyds taking out the loan payments each month even though the account was not being used.

 

thanks for any help and advice.

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Rosa - did the letter say they definitely would be taking you to court or did it use the word - 'MAY'. If it was may I have had loads of letters like that and it hasn't come to anything yet.

 

Have you sent your letters recorded and have they been delivered? I would write again and ask for a copy of their complaints procedure - mind you I have asked both SCM and Moorcroft for theirs and haven't received anything yet

 

I would also reiterate your offer of payment. They know that if they take you to court a judge will make a decision based on the facts not their whims so it is probably not worth their while.

 

I am going to try and find a way of making payments into my loan account regardless as I think it will count in my favour if they do decide to take it to court. They have now defaulted me for it

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Hi redvixen and thank you for your reply.

 

Their letter states that papers are being prepared for the issue of a county court claim and is headed "formal notice of defaulting account"

 

I will send an offer of token repayment for the loan account but it just bothers me that they are merging the two accounts. The prelim for claiming back charges has been sent to Lloyds so i gather that account at least is in dispute?

 

All my letters have been rec.delivery

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Have you had a formal default notice? - it might help if you scan the last letter so someone can have a look at it

 

Unless Apex have bought the debt I am sure Lloyds have to issue that

 

I have also had preparing papers one as well from moorcroft that was crap as well

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If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Hi Rosa,

you need to send Apex a letter advising them that the account is in dispute with their client Lloyds, therefore by Apex chasing you for money, they are breaching OFT guidelines. Respectfully suggest that this account is returned to the original creditor Lloyds, for resolution of these defaults and breaches, as Apex cannot lawfully pursue any enforcement activities.

 

Go on to say that if Apex chooses to ignore dispute and attempt enforcement to collect the debt, then you will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

I would recommend a copy to LLoydsTSB too, you can use the registered address of 25 Gresham St, London EC2V 7HN.

Sorry its not a fully worded letter, but if you edit accordingly then put in your own details.

DO NOT PHONE THEM!

Good luck

Red

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thank you red vixen and reduk for your advice and help on this. Sorry if I appear a bit thick, "just stressed"

 

I will get a letter out to apex regarding the account with charges on it and make an offer for token repayment on the loan account.

 

thank you

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update

 

Thanksfor the previous advice reduk and redvixen.

 

Apex have agreed token repayments on the loan and have returned the current account back to Lloyds for the charges dispute.

 

Many thanks for guiding me through this.

 

Rosalynd

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Glad that you have a resolution of sorts Rosa, i would personally still request that all of your paperwork is returned to Lloyds until they sort the other mess out. You don't want Apex hassling you again to try and force you into paying more than you can afford!

Any how, in the meantime, you appear to have made some groundway, so that is a result!

Hope that this gets sorted for you!

Red

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