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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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Barclaycard/Mercers Dept Collectors


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Hi Bazaar, Martin, pmw1971

 

Thankyou for you imput and advice to get this sorted out once and for all.

42man thanks for the letter you put up, i'll get that off in the morning and see what there replies going to be if i get one.

 

Gaz

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hiya all

 

ive had a complaint now registered against my disputed letter and my letter to mercers telling them to send all account info back to Barclaycard forthwith! i think we do need to be a bit more direct and not pussyfoot about a bit but alwasy be mindful of what you write and remember one day a judge may read that letter (good wise words from BRW ) thanks guv

 

yes i got that liner about cca act not prohibit collection activity, but like 42man has said BUT the oft guidelines do,,,which is what ive already written to the new big gunners at lloyds halifax bos etc,,,,:D

feel really happy i got that in my letter thanks 42man!

 

so i will now reply back and remind them at sharky thanking them for investigating my complaint and they can take as much time as required but to be aware of the oft guidelines again, since mercers need to yet reminded to not contact me as they are aware of the dispute otherwise i will report them to oft regarding their fitness to hold a credit licence,,,,,Would this be correct, if so we could all draft similar type of letter so we have that on our records for our poss defence??????

 

surely also the account should be brought back to the date that they defaulted with my cca request, they are adding charges and interest too and also i think a letter suggesting that a dn has been raised, yet to check credit file - another thing we need to be aware of too

 

good luck as always gazza

keep positive laters angel x;)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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subbing

 

Hi all,

 

I've got problems with Barclaycard to so wanted to join the gang lol! CCA'd them over a week ago and currently on two phone calls a day. Love it when I answer "No" to their asking me to confirm security questions, I can almost see the smoke coming over the phone as their little cogs start turning while they wonder what to say next:D

If what doesn't kill you makes you stronger I should be the world's strongest woman by now!

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Whew brilliant advise from above following my q, thanks two site team members and the brill letter which I will certainly adapt along with gazza, feel a bit more in control again now.. thanks

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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  • 2 weeks later...
Gaz, are you talking about CPR pre court disclosure route??

my husband had reply today stating that they were going to take legal action in the court sense or he would get an ccj or a charging order on the house.... I said to him well bring it on as if they have to go to court they would have to disclose the cca... wouldnt they.. how the hell can they give him (us) a ccj or charging order when there no godamm agreement... correct me if Im wrong.

 

Did they say they would or may. You are correct, the company personally cannot do either of those things.. Only a court can. As you say, if they dont have the original document then they might just have a hard time in court.

 

 

 

 

Incidently Im confused as received letter staying

'for the avoidance of doubt the consumercredit act 1974 jdoes not prohibit collection activity when an account is in dispute

 

this is an important factor for us caggers as we have been sending letters saying you may not demand payment etc so need to find out if this is the case or another lie

 

There has been and still is some debate about this. Collection activity is different to enforcement. They can go to great lengths to persuade you to pay.. threatening letters etc. However, should they wish to enforce the debt then they will have to take you to court and let a judge decide. which of course would need the original agreement with the prescribed terms and signed by both you and the company.

 

I think you'll find its in two places:-

 

The OFT debt collection guidelines that state no action should be taken on an account which is in dispute.

 

The CCA states as far as I'm aware that if they dont respond to a CCA request within 12+2 days then they are unable to perform certain actions on the account... these include actions to recover a debt.

 

Section 78 (6)(a) states he is not entitled, while the default continues, to enforce the agreement;

 

 

PmW

 

As stated above. Enforcement of the debt is different to collectin activity.

 

Mercers BTW is the "in house " collection agent for Barclarcard.

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Hi CitizenB

 

Welcome back missed you on these threads, hopes all well with your internet connections.

Yes, chucked in a few letters going down the CPR route just to see what response came back. As off allways not a lot of response from them, i'm going to give it till May as May seems a good month and will get my finger out and take the CPR route further.

 

Gaz

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HI Gazza!

Just to say i am now a fully fledged member of the cag barclaycard fan club! I sent of CCA request last week and received their pahthetic repose this week ! No surprises! Just the same old thing everyone gets these days ! Just the usual rubbish of ts and cs that may or may not have been in force when card taken out as nothing had a signature on it!Ive started my own thread on Barclaycard saying Just received a response from Barclaycard to my CCA requet!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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welcome back citizenB! Missed you too!:)

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Sunflower

 

Welcome to the Barclay Fan Club, Before you become a fan you need to take the Barclaycard test.

 

For example

 

1, Did Barclaycard send you threatening letter, and did you reply.

 

2, On Responding to there letters, did you say thankyou for sending

some reading material.

 

3, Have you passed the doorstep challange, and told them where to go.

 

If you have 2 out of 3 you are a fully fledged member of the Barclaycard fan club.

 

 

Gaz

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Hi Sunflower

 

Welcome to the Barclay Fan Club, Before you become a fan you need to take the Barclaycard test.

 

For example

 

1, Did Barclaycard send you threatening letter, and did you reply.

 

2, On Responding to there letters, did you say thankyou for sending

some reading material.

 

3, Have you passed the doorstep challange, and told them where to go.

 

If you have 2 out of 3 you are a fully fledged member of the Barclaycard fan club.

 

 

Gaz

 

May I apply for membership please Gaz, yes to 1 & 2 but P2C have experienced my temper when capone sent them to visit me, so its unlikely I'll get a visit

 

Beachy

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Hi All

 

Had a letter back from Barclays today, which i'm a bit confused with the contents. I wrote to the in early January 2009 asking for a true copy on my signed agreement using the CPR 31.16 route.

This is the reply i got from them, can anybody give me any advice what to do next.

 

Barclaysletter18220090001.jpg

 

Barclaysletter18220090002.jpg

 

Barclaysletter18220090003.jpg

 

Barclaysletter18220090004.jpg

 

Gaz

Hi Gaz!

LOL!Is that the response you got to a CPR31.16 request from Barclayshark! That letter beggers belief!Have they any knowledge of the law! Can they even read!:rolleyes:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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are barclaycard sending this in reply to a cpr 31:16? did you put on the request for a cpr 31:16 that this is not under section 78 of the cca

 

was this in the request that you setn to them -

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules (Pre action protocols and Part 31.16) and, therefore, an unsigned copy will not suffice. Only a copy of the original Contract in its unaltered form will suffice in these circumstances

 

Edited by tosh1

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:D:D

Hi Sunflower

 

Welcome to the Barclay Fan Club, Before you become a fan you need to take the Barclaycard test.

 

For example

 

1, Did Barclaycard send you threatening letter, and did you reply.

 

2, On Responding to there letters, did you say thankyou for sending

some reading material.

 

3, Have you passed the doorstep challange, and told them where to go.

 

If you have 2 out of 3 you are a fully fledged member of the Barclaycard fan club.

 

 

Gaz

Oh well Gaz! Perhaps not as i have not had a doorstop caller yet! or a threat of one from Barclayshark! so not quite a fully fledged memer of Barclayshark club then!:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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  • 1 month later...

Hi Gaz

Have Mercers ever sent a DCA called Scotcall onto you? I got a letter from a DCA called scottcall which told me that they had been intructed by Mercers to take over my account on Mercers behalf!They say if i dont contact them they will be making calls on me ! and MAY take legal action!I see from some threads that Scotcall do sometimes send real people round and i know you got some visits from some DCAs connected with BC.I sent Scotcall the astounded letter and enclosed a copy of the lettter i sent Barclaycard saying that what they sent in response to my CCA request was bogpaper!:D I told my hubby to get ready to put kettle on and get the custard creams out as he may get some nice visiters!Perhaps it will be a nice lady! LOL but hubby promised to behave himself! LOL.They willl not likely catch me in though! So will be wasting their time!:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Gaz

Have Mercers ever sent a DCA called Scotcall onto you? I got a letter from a DCA called scottcall which told me that they had been intructed by Mercers to take over my account on Mercers behalf!They say if i dont contact them they will be making calls on me ! and MAY take legal action!I see from some threads that Scotcall do sometimes send real people round and i know you got some visits from some DCAs connected with BC.I sent Scotcall the astounded letter and enclosed a copy of the lettter i sent Barclaycard saying that what they sent in response to my CCA request was bogpaper!:D I told my hubby to get ready to put kettle on and get the custard creams out as he may get some nice visiters!Perhaps it will be a nice lady! LOL but hubby promised to behave himself! LOL.They willl not likely catch me in though! So will be wasting their time!:D

 

Hi Sunflower

 

No Mercers never sent Scotcall to me, they sent Power2Contact instead:eek:. Didn't really speak to the person really, As i told him to leave my property:-D.

Barclay's is another CC company who's gone very quiet at the moment.

They must be ploting there next move of attack:eek:.

 

Gaz

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Hello Folks!

 

If you get a ScotCall Visit Threat Letter (Company Number SC127277), then the very first thing to do is send them the No Harassment/No Visitors Letter and, if you can stretch to it, I would also send them an Agreement CCA Request (s77-79 as applicable), plus £1, tell them it is not a Payment towards any Debt, and send all via Special Delivery.

 

This is the Address:

 

The Company Secretary

SCOTCALL LIMITED

3rd Floor Spectrum Building

55 Blythswood Street

GLASGOW

Strathclyde

G2 7AT

The above is their Registered Office, and The Company Secretary is the primary point of contact for the serving of key documents.

 

I'd also send a copy of that to the CEO of Barclays Bank plc, currently John Varley. Here is his Address:

 

John Varley Esq

CEO

Barclays Bank plc

1 Churchill Place

London

E14 5HP

 

Never forget that Barclaycard are Barclays Bank plc Trading/As, and Mercers Debt Collections Limited are part of Barclays Bank plc, and Calder Financial is a Trading Name of Mercers. Thus, any hassle and harassment from any of the above, is sanctioned by the Barclays CEO.

 

So, the buck stops with him. If you get any grief from his organisation, tell him. They cannot then later deny the people at the very top were not made fully aware.

 

I urge everyone bothered by Barclays Bank plc in this way to send similar Letters with a c.c. to the CEO. Eventually the message will sink home or, failing that, at the very least they cannot say they were not made fully aware of the issues and distress they are causing.

 

ScotCall and Power2Annoy are just exceptionally dull and blunt tools that Barclays uses to distance itself from the sharp end of its own Harassment activities. Don't let them get away with this, hence the c.c. to the CEO of Barclays.

 

Finally, here are the details if Barclays use Power2Annoy (i.e. Power 2 Contact, Company Number 04791083), or their other favourite, namely: Credit Solutions Limited (Company Number 02520932), i.e. rather than ScotCall:

 

The Company Secretary

POWER 2 CONTACT LTD

Capella Court

Brighton Road

PURLEY

Surrey

CR8 2PG

Guess who also lives at Capella Court:

 

The Company Secretary

CREDIT SOLUTIONS LIMITED

Capella Court

Brighton Road

PURLEY

Surrey

CR8 2PG

I hope this helps.

 

Cheers,

BRW

Edited by banker_rhymes_with
Clarity
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Hello Gaz!

 

There may well be others that Barclays use so, if it's not one of the above, just go to the Companies House Web Site and carry out a Search to find their Registered Office, then add The Company Secretary to the head of that Address, here's the Web Site:

 

Companies House

 

You can search on Company Name, Company Number etc.

 

Most of these Pond Life will use other Addresses, so make sure you never write to them there, always use the Registered Office Address.

 

If you think the DCAs are bad, Barclays themselves recently wriggled out of an issue by denying a key document was Served on them correctly, and got away with it. The Cagger sent the letter to a Barclaycard Address, and Barclays denied getting it in time because it was not Served to their Company Address.

 

So, if they want to play that game, they can't moan if their letter box at 1 Churchil Place is not big enough to cope with their post!

 

But, seriously, when the going gets tough, stop using any of their Departmental Addresses, and send it all to 1 Churchil Place, and/or to the DCA's Registered Office, as applicable.

 

Cheers,

BRW

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Thanks Beachy!

 

Beat me to it.

 

Saw the Post and thought I'd made a typo as well (i.e. COE)!

 

Sorry for any confusion, I usually try to show what abbreviations mean, as I do know how confusing it can seem if people on CAG write in what looks like code (CEO, CCA, S.A.R., I.C.O., etc etc).

 

Steven4064 has created an Index, I'll try and find that and will Post the link.

 

Cheers,

BRW

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