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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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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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.

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      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Swift Advances. Secured Loan Charges reclaim


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I agree sparkie,

 

but the problem is, where can I get one?

 

most are rubbish

 

regards

 

 

That IS the problem ...it even goes further than that ...because consumer law and regulations are still so very complex even a lot of Barristers fall short on the undestanding of it .....even the law lords get lost.....and interpret it wrong .....when the facts of the matter are ..........when it has to come down to interpretation they forget that its the interpretation that favours the consumer that must prevail............ even they take no notice of that.

 

sparkie

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Sparki were you refering to my post

 

In my opinion this agreement is unenforceable, for so many reasons I cant count,

 

It is impossible to understant the manner in which payments have been calculated.....it is without doubt a multiple agreement partly regulated by the CCA 1974...therefore the interest rate on the PPI should be shown an an APR in any event and it is not.......if the PPI is taken out of the amount of credit by the misselling it would affect the whole agreement and would in my view be declared void.

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Get genuine good legal advice off a good consumer law lawyer

sparkie

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Sparki were you refering to my post

 

In my opinion this agreement is unenforceable, for so many reasons I cant count,

 

It is impossible to understant the manner in which payments have been calculated.....it is without doubt a multiple agreement partly regulated by the CCA 1974...therefore the interest rate on the PPI should be shown an an APR in any event and it is not.......if the PPI is taken out of the amount of credit by the misselling it would affect the whole agreement and would in my view be declared void.

My Advice

Get genuine good legal advice off a good consumer law lawyer

sparkie

 

 

Yes I was Friend

 

Sorry forgot to address it for you.

 

apologies sparkie

 

By including the PPI in the total loan and due to the fact it is stated to be a non cancellable agreement.....it meant your parents were/are tied to another agreement that was a cancellable one,....... that aslo falls under the Unfair Terms in Consumer Credit Contracts and Unfair Relationship ........a good Barrister would get ALL your money back under this one I believe....worth looking into ..Swifts agreements can be broken.

 

sparkie

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Thanks sparkie

 

can you or anyone else recomend a good barrister that i can contact to look into this case.

 

First I would try and locate a public access Barrister, one who takes cases on without going through a solicitor.there are quite a few.

 

 

What area do you live in?

 

sparkie

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Go to here..............There is also what is called pro bono Barristers ..ones that offer their services for free......in any event your parents could be eligble for legal aid assistance, because of their age

sparkie

 

Find A Barrister - Search - Barristers offering legal advice and services, find lawyers, public direct access barrister, law, law firm, compensation, solicitor, legal claim, litigation barrister.

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Can everyone find their Broker they signed up with? most likely not, what happens they can simply change their trading name, I know of one company who did so in order to get out of the PPI problem,

more about this lot later they are even worse off then Swifties, god pity them when the lads start into them, :mad:

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Talking about Barristers matie

I heard a rummor today of one who was Working and on his way home he took a tantram or tandam or whatever you call that thing, anyhow talk about the Wheels falling off your wagan lol:D

Edited by pkelly

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Talking about Barristers matie

I heard a rummer today of one who was Working and on his way home he took a tantram or tandam or whatever you call that thing, anyhow talk about the Wheels falling off your wagan lol:D

 

 

Yep pkelly...... thats the one that amended a Swift witness statement..

This is what amend means

 

1.to alter, modify, rephrase, or add to or subtract from (a motion, bill, constitution, etc.) by formal procedure: 2.to change for the better; improve: to amend one's ways. 3.to remove or correct faults in; rectify.

 

BY amending that statement he bcame a joint witness in my view, Barrister or not....he altered it.

sparkie

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Re Swift Advances v Ourselves

 

To

A copuple of further questions for Mr Mathew..........already sent ...but sparkle can copy it in the morning just in case

 

sparkie

 

 

Mr Mathew Payne

Swift Legal Services

 

Dear Mr Payne,

 

As you are aware Swift Advances Plc have re instated the possession proceedings against us, as both of us are aware that our account was transferred to Kestrel Loans No 1 Ltd, can you confirm before Wednesday close of business, that Swift Legal Services are also the appointed legal representatives of Kestrel Loans No 1 Ltd.

 

I will be asking this question in Court, it would be simpler and would save time if you could answer before hand, as am sure you will have deuced I do have a great many of such similar ones to ask, some that have not been mentioned as of yet.

 

Also could you supply me with the name of a senior representative of Kestrel Loans No 1 Ltd who can explain to the Court, all the relevant details of the transfer/sale of our loan to the Kestrel company involved, and from the point of view of that company.

 

I trust you will reply by return

 

Your sincerely

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ah well must go auld matie looking forward to monday morning lol not like a lot of people cant wait to see how this all is goes down in headoffice

and so its good night from me

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Guest blackie

Good morning Swifties, just had notification from the company that is monitoring Swift for me, that on the 30th October there was a change id Director / Secretary. Interesting........

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Good morning Swifties, just had notification from the company that is monitoring Swift for me, that on the 30th October there was a change id Director / Secretary. Interesting........

 

 

My little inside mole tells me Mr Rosenberg the Company Secretary has gone ;)

Getting far too hot in the kitchen...

 

Just had another phone call - Barwick has taken over as Co.Sec..

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I got a message for all of you to Desist from putting up any more posts until the staff and illegal teens have caught up with the last lot,

They are under pressure, I just heard another one has applied for a new job, lol

:(:mad:

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only joking folks I know its not like me :) but have any of you tried to contact any Kestrel workers would be nice if you were to phone in and have a chat with them, make them feel WANTED

WHY NOT DO IT NOW :?:

OOPS ``rabbits out again now``

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I'd just like to copy a post by another Cagger (In Blue) who I am sure will not mind my copying it anonymously given the trolls on here...but it might throw some light on certain 'transactions' going on within another company we know...

 

"In UK practice, however, stamp duty is not paid, as most securitization transactions are structured as equitable assignments and not perfected legal transferes. Nevertheless, if and when the transaction were to be perfected into a full fledged sale of receivables, the document will attract stamp duty: therefore, the originator is required to provide for full payment of duty. But this is usually regarded as a theoretical tax - very rarely have circumstances arisen where the duty has actually become payable."

 

Mr Webster (Swifts Director and Ch.Exec for those who didn't know) insists and has confirmed in writing that Swift do not securitise, very nice of him to be so honest about it, but their accounts say they 'sold' the loans so if that's the case then other things might kick in: -

 

continued:

"This was posted sometime back.What I am trying to say is that if the company etc have sold the legal title as many assert but have not disclosed this fact they are liable for a whopping great stamp duty bill to the revenue and have been for several years and also guilty of tax evasion and fraud and should be investigated by the revenue who will undoubtedly bankrupt them if this is the case.The one big reason to retain or pretend to retain the legal title which they are continuing to do as theyre still carrying out all the repos, is to avoid the duty and land registry charges.They should be investigated by HMRC who would get to the bottom of this once and for all."

 

Interesting? :rolleyes:

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