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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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catalogue credit?


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I have just been approved for credit with littlewoods(online).

 

I agreed to these terms and conditions

 

Terms & Conditions for a credit account

 

Credit Agreement regulated by the Consumer Credit Act 1974

This agreement is between us, Littlewoods Finance Company Limited, whose registered office is at Aintree Innovation Centre, Park Lane, Netherton, Bootle L30 1SL (the Creditor) and you.

 

Key Financial Information

1. Credit Limit – We will periodically fix the credit limit and notify you of it.

 

2. Repayments – You will be sent a statement every 28 days giving details of all transactions on your account during the period since your last statement or, if there has been no previous statement, the opening of your account. The first payment will become due 21 days after the date of your first statement, and all subsequent payments will be due 21 days after the date of the statement on which they appear. The due date will be shown on each statement. The cost of all goods purchased using the account may be repaid over 20 weeks. In addition, the option of repaying over 52 weeks may apply to selected goods as notified to you from time to time. You must make a minimum payment every 4 weeks. This minimum payment will be shown on each statement. It will be the total of the minimum payment applicable to all items purchased over 20 weeks and the individual minimum payments applicable to all items purchased over 52 weeks. We calculate the minimum payment applicable to items bought over 20 weeks differently to the minimum payment for items bought over 52 weeks. For the first item purchased over 20 weeks the minimum payment will be the price of that item charged to the account divided by 5. Whenever you purchase another item over 20 weeks the price of that item will be added to your outstanding balance for items purchased over 20 weeks and the minimum payment in respect of all items purchased over 20 weeks will then be that new balance divided by 5. For all items purchased over 52 weeks the minimum payment will be the cash price of that item divided by 13. If you wish you may pay weekly. If you do so the total payments made by you in each 4 week period, ending on the date on which the minimum payment shown on your statement is due, must at least equal that minimum payment.

 

If you use the account to purchase certain items we may ask you to make an additional payment in relation to that item. If this requirement applies we will determine and notify you of the amount and timing of the payment when you order the item

 

3. APR 0%

 

Other Financial Information

1. Total charge for credit £0.

 

2. Rate of interest– Purchases on this account are interest free i.e. the rate of interest is fixed at 0%.

 

Key Information

Default Charges - Charges are payable by you in respect of the following matters:

  • You fail to make at least the minimum payment by the payment due date - £12
  • Failure by you to respond to an arrears collection communication - £12
  • Any dishonoured cheque or missed direct debit payment - £15
  • Us agreeing to a reduced repayment schedule with you - £10
  • Transfer of your debt to a debt collection agency - £20
  • Failure by you to provide a forwarding address to us - £20
  • Any court fees & costs incurred by us in pursuit of arrears - £90

We reserve the right to vary these charges (or introduce new charges) at any time in accordance with clause 11. Details of up to date charges in relation to each of these matters are available from us.

 

Administration Charges

If you fall behind with your payments, we reserve the right to impose a charge to cover the cost of any action we may take. We will be entitled to debit your account with any costs incurred by us in respect of any missed or insufficient payment, including but not limited to dishonoured cheques, failed direct debits and recharged card payments. Payments received will be applied first in payment of insurance, interest and other charges as shown on the last statement and thereafter in the reduction of the current balance. Administration Charges:

  • Copy statement - £5
  • Immediate credit file update - £5
  • Letter confirming clearance of your debt - £10
  • Transfer of your balances - £12

Missing Payments

Missing payments could have severe consequences and make obtaining credit more difficult.

 

Important - Read This Carefully to Find Out About Your Rights

The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without getting a court order.

 

The Act also gives you a number of rights:

 

1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement.

 

2) If you received unsatisfactory goods or services paid for under this agreement you may have a right to sue the supplier, us or both.

 

3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

 

 

 

I can use my credit now, but have signed no proper crdit agreement. In an email they said they would be sending 2 cca`s for to sign and send back.

 

What happens if i use the credit but dont sign a credit agreement? Can i just not pay?

Further Terms and Conditions

1. The credit under this agreement is to be used by you to purchase goods/services from retailers, outlets and brands agreed by us from time to time. We may debit your account on each occasion upon which you provide us with authority to do so, including verbal authority.

 

2. Purchases made on Buy Now Pay Later promotions will be charged to your account in full on the last statement before the first day of the month specified in the promotion. Once the Buy Now Pay Later transaction is charged to your account it will be shown as part of the current balance and will become liable for payment. Amounts owing under Buy Now Pay Later but not yet charged to your account will be deducted from your credit limit when we calculate the amount you have left to spend. The amount of credit available to you in relation to your account will be reduced accordingly.

 

3. We reserve the right to demand from you immediate payment (subject to any statutory notice period) of the full outstanding balance if you fail to make any payment owing under this agreement by its due date.

 

4. We may close your account immediately, and without notice, if you fail to comply with any terms or conditions of this agreement.

 

5. Either you or us may terminate this agreement by giving at least seven days written notice of such to the other. If you terminate the agreement, you must immediately pay the full outstanding balance to us. If we terminate the agreement you will not be able to obtain further credit under this agreement and must repay the full outstanding balance to us on demand.

 

6. If you are not satisfied with any aspect of this agreement then write to: Littlewoods Finance Company Limited, Credit Support Team, Aintree Innovation Centre, Park Lane, Netherton, Liverpool, L72 1LE.

 

7. You have the right to cancel this agreement under the Financial Services (Distance Marketing) Regulations 2004. This right to cancel ends on the expiry of fourteen calendar days beginning with the day after the agreement is concluded. You can cancel by sending or taking a WRITTEN notice of cancellation to Littlewoods Finance Company Limited, Credit Support Team, Aintree Innovation Centre, Park Lane, Netherton, Liverpool, L72 1LE. Fax Number 0870 263 5087. E- Mail [email protected]. If you intend to cancel, you should not use any goods you have under the agreement and you should keep them safe (legal action may be taken against you if you do not take proper care of them).

 

8. You must notify us in writing of any change of your address within seven days of such change.

 

9. If we temporarily relax any terms of this agreement e.g. allowing you more time to pay, we may strictly enforce those terms again at any time.

 

10. We may transfer any or all of our rights, duties and obligations under this agreement to any other person, or arrange for any other person to carry them out on our behalf, without giving notice to you. Any such transfer will not affect your rights under this agreement, or any other legal rights you may have, such as under the Consumer Credit Act 1974. You may not transfer your rights, duties or obligations under this agreement.

 

11. We reserve the right to vary the terms of this agreement at any time to reflect:

  • changes in relevant laws
  • changes in our system capabilities
  • changes in market conditions affecting our business
  • new developments in the market place

We will give you twenty-eight days written notice of the variation. Where any such change is not to your benefit, you may end this agreement by giving us written notice and paying us the full outstanding balance before that change takes effect.

 

12. This agreement is governed by the laws of England and Wales, which we also take as applying prior to the making of this agreement.

 

13. All communications in relation to this agreement will be in English.

 

14. If any term of this agreement is unenforceable for any reason, it shall not affect the enforceability of any other term of this agreement.

 

15. Unless you notify us to the contrary, we may appropriate any payments received from you to sums due under your account or under any other agreement you have with us as we decide.

 

16. References in this agreement to "you" and "your" are to the Customer named above. References to "us" and "we" are to the Creditor named above, and include any other party to whom our rights and/or liabilities under this agreement may be transferred.

 

17. We are a financial services company authorised and regulated to carry on insurance mediation business by the Financial Services Authority, under reference number 312190, and licensed by the Office of Fair Trading under consumer credit licence number 535857.

 

18. We are required to inform you that there is a possibility that other taxes or costs may exist during the currency of this agreement that are not paid via us or charged by us under this agreement.

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I know someone who did not sign anything on a littlewoods catalogue, got credit, pay off a little bit and then stopped. They registered late payments on his credit file and then a default. After sending a CCA s78 request:

1) they never responded

2) the account marker with all registered late payments and the default dissapeared miraculously!

 

He got the account in 2005. I do not know about the regime now so maybe this is something you need to look into.

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The electronic regs come into play

 

The Consumer Credit Act 1974 (Electronic Communications) Order 2004

 

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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  • 7 months later...

can someone tell me if i have never signed a credit agreement for next catalogue then i ent got to pay, as i sent a letter to next cat last week for my agreement and today they have sent me a letter saying that,

 

By way of explanation, under section 78 of the consumer credit act, next must supply any customers with a true copy of their credit agreement upon request. for the purposes of section 78 a, a true copy need not be an exact copy or photocopy, as long as it contains every material provision of the agreement signed. this means that it does not need to have non- statutory information which was included for the creditors own benifit or signature boxes. therefore next are not required to provide you with a signed copy of the agreement and this is made clear in section 3 (2) of the consumer credit ( cancellation notices and copies of documents) regulations. we are required to provide you with a true copy and a true copy enclosed.

in light of this, and in the absence of any evidence to suggest that you did not order and/ or receive the goods delivered, next will continue to seek payment of the balance of £---- owed by you. it is noted that you have neither denied ordering or receiving next goods.

a default entry will therefore be made on the credit reference file, which may affect the abilityto obtain credit in the future. making payment to clear the balance will enable the credit files to show as satisfied.

 

i will upload my agreement but it is not signed.

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this was also a next card, i have just looked on the agreement and it does state that, this agreement becomes binding when it has been signed by you and on our behalf. well i have not signed it. :confused:

 

When did you start / request the catalogue?

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shell i post the agreement on here, because this really is all new to me, iv just been told to do it on my loan, but i sent it to all creditors to see if they have my signed credit agreement.

 

Well to be honest they can send you a blank agreement but it makes no difference. If they do not hold a signed copy (from 1998 ) then they can't enforce it. I would send them the standard dispute letter if you wish to dispute it.

 

Is the account up to date or is it defaulted etc?

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as i have quite a few debts, i had been paying them though a debt agency, but to be trueful they are rubish, i seam to be getting in more debt and more problems. the people on here have told me to cancel it but i just wanted to see the agreement and that first before i cancel the payment to debt free me. i dont thing it has been defaulted but they have passed the debt on to the lewis group.

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as i have quite a few debts, i had been paying them though a debt agency, but to be trueful they are rubish, i seam to be getting in more debt and more problems. the people on here have told me to cancel it but i just wanted to see the agreement and that first before i cancel the payment to debt free me. i dont thing it has been defaulted but they have passed the debt on to the lewis group.

Well as I said, i'd be very supprised if they had one from 1998 so i would dispute it. As lewis are collecting dispute it with them, amend to suit.

 

 

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

 

You have failed to comply with my request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

 

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

 

PRINT NAME (DON'T SIGN)

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Heidi thats wrong. Is 12 working days after recipt of the document.

 

Monday sent

Tuesday recieved

wednesday day 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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