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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.

      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.

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      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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1st Credit and old HFC debt - Statutory Demand


Mr Bear 79
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I’m hoping someone may be able to help me with a rather critical situation I have.

 

Please forgive me if the answers to this could be found elsewhere, but I’m afraid I might not have much time to act. I have read a number of threads and stickies on here but this certainly isn’t my specialist subject and I’m very confused.

 

I have a credit card debt with HFC, and it is just over 3 years since I last used the card. The balance is just over £5000.

 

In spring 2005 I realised I was in serious financial difficulty and made nominal payments of £5 for several months while I communicated with them in writing. At one point they did agree (verbally) to accept 30% of the balance as full and final settlement, but when the written confirmation arrived it stated 40%, and ultimately we didn’t reach an agreement.

 

Over time, I stopped making the nominal payments and our communication became less frequent until after December 2006 when they (and their various off-shoots) stopped communicating with me at all.

 

This was the last I heard until April 2008 when the letters suddenly started to come again - 5 letters in quick succession from 3 different companies (1st Credit, LCS Solicitors and Connaught Collections UK Ltd).

The third of these letters gave me 14 days to pay otherwise they would issue proceedings in the County Court. However the 14 days passed in late May and no County Court proceedings ever began.

 

Now, here comes the shocker. Last week I received a Statutory Demand under Section 268(1)a of the Insolvency Act 1986. The demand was sent by standard (unsigned for) mail and I have just noticed that the date of issue was 9 days before I actually received it.

 

I must confess to being in a total quandary as to what to do now - I have seen many people say “don’t respond” or “it’s just a threatening tactic” etc. but I really feel as though this one can’t be ignored, although I am aware that Connaught do tend to send these out rather freely.

 

If they were moving towards a CCJ at this point I don’t think I would have any complaints, but to go straight for bankruptcy seems harsh in the extreme.

 

The ironic thing is that if they make me bankrupt they would probably be lucky to get a return of £500 (less than their costs would be I guess) and I’d gladly pay them that tomorrow if it meant this debt would disappear!

 

The main thing for me now is to respond appropriately, and in good time, and anything other than bankruptcy itself would be welcome in comparison (as amongst other things I would instantly lose my career due to the FSA).

 

Any help would be very very much appreciated.

 

Many thanks

 

(ps. Someone tried to break into my flat last night after forcing open the communal door. It’s the first time this has ever happened and I sincerely hope its co-incidental, but has anyone ever heard of Connaught, or any DCA, doing anything like this?)

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Guest forgottenone
and I sincerely hope its co-incidental, but has anyone ever heard of Connaught, or any DCA, doing anything like this?)

 

Wouldn't have thought so. That would be a prosecutable criminal offense. I don't think even a DCA is that stupid; or maybe they are. So, have you reported this crime to the police, then? If someone is trying to break into your flat ... I'd seriously consider doing so as it may be the beginning of other things. It may waste your time reporting it to the police ... but ... what if it got worse next time, you never reported it? Just something to consider.

 

As to the SD you say you have received ... that will obviously need to be set aside. Others here will help you with that.

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Guest forgottenone

Removed what was here to be replaced with this *yes, it's a bit obvious advice but will give it anyway*

 

REPORT THE MATTER TO THE POLICE. We wouldn't want to be reading on CAG later something had happened to you. If someone has forced your door as you say, then someone is either trying to get at you or ... commit burglary. Or worse. That isn't intended to sound doomladen, it's just a sensible piece of advice. Don't know if you have reported it to the police. If so, then clearly disregard.

Edited by forgottenone
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Hi,

 

Don't ignore this whatever you do - You need to get the Demand set aside in court.This is pretty much a scare tactic but the concequences of not dealing with this could be serious. There are things you must do and in a pretty limited time frame from the date you recieved the letter. I'm afraid I can't help you as I'm no expert on this, but if you click the red triangle at the bottom left of your post one of the site team will guide you though. Don't worry, there are loads of people on here to help...

 

I think it would be highly unlikely this has anything to do with the break in..Debt collectors usually stick to nasty phone calls and letters of dubious legal status..:D

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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You can apply for the SD to be set aside at your local county court. Check they deal with these as some don't. It's free and easy and the court staff will help. DO NOT IGNORE IT, deal with it ASAP.

 

The grounds you use for set asside are that you are disputing part of the debt due to unlawful charges, that's if you agree the debt is infact yours.

 

Good luck and best wishes.

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Bit confused with what you say there. I think you need to scan, paste what you've received here for other to view, then can help with EXACTLY what each letter says. It may be you've had a CCJ entered by default. I might be wrong, but ... is it usual practice to go to a SD without a CCJ first? Therefore, it appears something else may be going on eg you have a CCJ already.

 

You'll appreciate I'm reluctant to put the specific dates on here but in mid-May 2008, I received a letter from LCS Solicitors in relation to this debt. I quote "...unless full payment is made to our client within 14 days from the date of this letter we are instructed to issue proceedings against you in the County Court for recovery.....". The client was named as 1st Credit.

 

Exactly two weeks later, I received a letter from 1st Credit which stated "please let me introduce our Debt Help Team to you. Our department has been asked to contact you......."

 

In early July, I then received a letter from Connaught Collections which said "We have been instructed by 1st Credit Ltd - HFC - to recover this debt. It is now our intention to issue a Statutory Demand under the Insovency Act 1986 (Bankruptcy) as we are unaware of any valid reason for your non-payment.......... Should you fail to contact us within seven days then a Statutory Demand will be issued without further warning".

 

10 days later they issued the Statutory Demand, although I received it a further 9 days after.

 

I have no information to suggest that a CCJ was issued in relation to this debt. I would have expected at least an initial claim form to be sent from the Court, and then an order of payment, had that been the case. I have received neither.

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Guest forgottenone
You'll appreciate I'm reluctant to put the specific dates on here but in mid-May 2008,

 

Well, TBH, the idea behind scanning whatever you've received ... particularly with the SD ... is to merely see if what they've sent you is, in fact, a legally issued SD. It's surprising how many DCA's don't for example, will use misleading court head documents ... so, that was the idea.

 

I may be wrong, others will point that out if so *and I don't mind if so* ... but it could all turn out to be the usual threatograms eg

 

It is now our intention to issue a Statutory Demand under the Insovency Act 1986 (Bankruptcy) as we are unaware of any valid reason for your non-payment.......... Should you fail to contact us within seven days then a Statutory Demand will be issued without further warning

 

And they may not have issued the SD correctly or properly. So, that's the general ideas. You don't have to put dates. And, it also helps ... if you can scan, paste what you've been sent in order for others to offer more direct help.

 

Hope that clarifies things. You've obviously not got a lot of time ... as you say. :)

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Well, TBH, the idea behind scanning whatever you've received ... particularly with the SD ... is to merely see if what they've sent you is, in fact, a legally issued SD. It's surprising how many DCA's don't for example, will use misleading court head documents ... so, that was the idea.

 

I may be wrong, others will point that out if so *and I don't mind if so* ... but it could all turn out to be the usual threatograms eg

 

 

 

And they may not have issued the SD correctly or properly. So, that's the general ideas. You don't have to put dates. And, it also helps ... if you can scan, paste what you've been sent in order for others to offer more direct help.

 

Hope that clarifies things. You've obviously not got a lot of time ... as you say. :)

 

 

I have scanned my SD as requested.

 

Is it possible to tell from my scan whether in fact it is a legally issued SD and whether they have issued the SD properly.

 

I would really like to deal with this on Monday as time is relatively tight but I'm really not sure what I should be doing to get this set aside.

 

If anyone could help I would be very grateful.

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Mr Bear, that's the real thing. Can you also upload pages 2 and 3?

If you can't then can tell us if the court specified in Part A on page 3 is your nearest County Court?

 

To have this set aside you needs forms 6.4 and 6.5 available here: England and Wales Forms

after you've completed them you need to take them in person to the specified court and swear an affidavit which is the usual hand-on-bible stuff. It's pretty straightforward and you normally find the court staff pretty helpful.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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The quickest thing I can do tonight is quote the exact wording from Part A of Page 3......

 

-----

 

Appropriate Court for Setting Aside Demand

 

Rule 6.4(2) of the Insolvency Rules 1986 states that the appropriate court is the court to which you would have to present your own Bankruptcy Petition in accordance with Rule 6.40(1) and 6.40(2). In accordance with those rules on present information the appropriate court is (YOUR LOCAL COUNTY COURT.)

 

Any application by you to set aside this demand should be made to that court.

 

FOR CONFIRMATION OF YOUR RELEVANT COURT, OR IF YOU BELIEVE YOU HAVE GROUNDS TO SET ASIDE THIS DEMAND, PLEASE CONTACT OUR OFFICE ON 0208 253 0343

 

-----

 

It is written exactly as i have put it above (including bold text and caps locks).

 

It does seem to be worded rather bizarrely.

Edited by Mr Bear 79
typo
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This is identical to the stat demand they sent me. It has the desired affect until you acquire the knowledge to turn the tables on them and get some money out of them. My whole world has turned around thanks to 1st credit and I now realise what a powerful position I am in. Check that the bank is actually one you have been with, not just the amount of money you recognise. Also, did they respond to your cca request. That usually scares them by return of post.

If my post helped you feel better, click my scales.

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The quickest thing I can do tonight is quote the exact wording from Part A of Page 3......

 

 

That's just the preprinted part of the form. They have not entered the name of any specific court.

In this case take your forms to your nearest County Court. If you need court addresses then check out the Court Service website - The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service - Court Information and Addresses) is not available .

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Did you ever send a request for a copy of your Consumer Credit Agreement ????

 

Apologies for not responding sooner, I wasn't well early part of the week and haven't been on the thread.

 

I didn't ever request a copy of my CCA, as it had been so long since I had heard anything about this debt from them or anyone else. That would now seem like a sensible next step.

 

I'm taking my paperwork to the County Court shortly and will post an update later.

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Today I have been to the County Court and applied to have the SD set aside.

 

What a stressful and demoralising experience :Cry:

 

I purposefully didn't go into huge detail when stating why I wanted to have it set aside, I just kept it to a couple of lines re disputing some of the potentially unlawful charges, as advised above.

 

The lady I spoke to at the Court didn't want to accept my forms at first, as she said the information was insufficient so I had to add a little more with no other paperwork with me to refer to. I put that I was not sure the debt had been legally assigned to Connaught, and that I had applied for a copy of my CCA and not yet received a response.

 

I would rather not have done that but I didn't have much choice - my 18th days falls over this weekend so it wasn't something I could go back and do later.

 

I am told that the application will now go before a judge, and that it will probably take place in about a month. Also, that I probably won't hear anything more for about 2 weeks. When the hearing does take place I will have to attend. :Cry:

 

If I'm honest, I wasn't really expecting that. I suppose I didn't know what to expect but now I am very concerned about what will happen at the hearing.

 

If my finances are analysed it is unlikely to go in my favour as my debts far outweight my assets, but for me the implication of being made bankrupt would be very severe for a couple of different reasons.

 

Any comments on todays events would be welcome, as would any advice on what I am likely to experience at the hearing and what I should prepare in advance.

 

Thanks

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Mr Bear, I’m afraid that I can’t offer advice because I’m new to all this myself. I will be applying for my own SD to be set aside next week and am not looking forward to it. But why don’t you give these people a call, explain your situation and see what they have to say. It’s a freephone number so you’ve got nothing to lose. http://www.discreetdebtsolutions.co.uk/index.html

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Call CCCS or national debtline first thing monday morning:

 

CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

 

You have to wait for an appointment with CCCS though.

 

If your job is at stake due to bankruptcy , I doubt a judge would grant it as creditors would get nothing.

 

Lack of CCA is a good starting point.

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  • 2 weeks later...

To bring the thread up to date.....

 

I have not yet received a response from the County Court despite applying to have the SD set aside on 9th August.

 

I have, however, received another letter from Connaught Collections, dated 12th August, which has just reached me.

 

It reads.. I write to inform you that we are now in a position to present a Bankruptcy Petition aginst you following the recent delivery of our Statutory Demand.

 

As you have chosen to either ignore the Statutory Demand or demonstrate an ability to pay the sum claimed, you leave us with no alternative other than to present a Petition.......

 

Should I act upon this letter in any way or should I wait for a response from the County Court before doing anything more?

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I cant be of much help I am afraid, but I do know this, they cant proceed with bankruptcy, while there is an outstanding stat demand waiting to be set out aside, I hope this helps somewhat until someone else can really help you.

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