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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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      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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Watch Out - Charging Order Rules May Be Changing !!!


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** Mod Edit **

 

Please note that the rules surrounding Charging Orders were not changed in the end. If you have a CCJ with an instalment order that is up to date you should be able to argue that the Charging Order should not be made final. If you would like to read more on Charging Orders please take a look at the following National Debtline fact-sheet:

 

National Debtline England & Wales | Debt Advice | Factsheet 15 Charging Orders In The County Court

 

Hello All

There was an article in The Guardian on Sunday advising that the rules on charging orders are due to change.

Currently you have to default on a CCJ then creditor may apply for charging order.

These rules are due to change through the Tribunals & Enforcement Act 2007 which has been passed into law - but at present is not in effect.

The Ministry of Justice who control these things had said that a

timetable for the introduction of the new law will be announced in due course.

So WHEN the law changes - if you have an unsecured debt such as credit card/personal loan and if you are in default the creditor can apply for the CCJ and Charging Order - and so SECURE the debt on your house!! Who reckons that is reasonable!!?? How sneaky is that!

How shall we campaign folks?

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What if you don't own a house?

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Mrs Z

 

I do not think many know about this - we could write to our MP - contact BBC Watchdog.

The more it is in the press and/tv then it may exert some pressure for Ministry of Justice/Government to re-think!

If you took out an unsecured loan - and then found out because you were in financial difficulties - this could end up being secured - where is the justice in that. Consumer interests being protected -

don't think so.

If you don't own property - then no affect - unless they apply for attachment of earnings if you are working.

Consumer Action Group/ Citizens Advice/CCCS/ - if we all shout loud enough - who knows!

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Sheesh, talk about moving the goal posts. :x

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Agreed, we should do something.

 

After all, this Government is in enough turmoil, perhaps if we do shout loud enough, maybe, just maybe they will listen!

 

We own our own house (should I say it's mortgaged) - albeit in negative equity, but even so. It will make the decision to keep our house very hard if this is carried through. I've no doubt that there will be many other house owners that will feel the same way!:mad:

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Eventhough I do not own my home, I can see this will be very worrying for those that do.

 

The government should be doing more to unburden those with mortgages etc instead of making it worse, especially in the current climate!

 

I guess the DCA's will become even more rabid now that they have another weapon up their sleeve.

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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I've just read the article in the link that Guido kindly posted - thanks

 

It doesn't make for very happy reading does it?? :(

 

You're right Monx, we will no doubt see many more aggressive methods used by the DCA cretins and probably some of the Creditors (who can be as bad as the DCA's).

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Jeez this will make a mockery of all our rights,

 

here judge add another charging order to the house, more interest more charges and you know what is happening in the usa, it will happen here, more and more people will be forced to go bankrupt and leave their properties,

so we do need to do something about this, im up for it whatever we do more people aware of it the better, i think the first thing we all should do is contact our own local mps,

 

we need to hit this direct into the community, let our neighbours be aware of this new law,

 

i think our european counterparts would be already doing something about this , look at the fuel and truck demo's in france,

 

our family costs are rising and now this,those who have gone bankrupt, is it a better prospect if this law becomes the norm?

 

this is madness, i feel what is the point anymore - but we cant give up

 

ciao for now maz

 

ps thanks GuidoT - just read it and i feel sick - the charities are already saying this will affect homeowners and to be forced to sell your home, and Who is going to buy though?????????

 

 

New laws to increase repossessions | Moneywise

Edited by maz1964

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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Another one for the creditors.

 

I assume the new rules will come in to force on a spicific date and not be applied retrospectively.

 

 

Interesting point there Paul, but I don't suppose we'll know if that will be the case until it is in force?

 

I agree with your post entirely Maz, it makes me wonder if it's worth fighting to keep our house if it is allowed to happen :(

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I never thought I would feel an ever growing sense of relief for being an impoverished renter; nevertheless those living in buy to lets would be affected by this as a knock on and probably at very little notice.

 

I recall a work colleague who left to live off his three buy to lets and often wonder how things are going for him now.

 

Of course the alleged creditor would need to win their court action first and we see here how many of those actions fail when challenged.

 

Once again the most vulnerable will suffer most.

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Pathway

 

hiya and to everyone who has posted

 

this has been worrying me no end since i last posted here,

 

so i do want to speak to my mp about it, and am proposing to make an appointment with the office and im going in for a chat, i really think this will impact so much on the country that it needs to be highlighted.

 

do you mind if i start my own thread re this and can i also ask if i can put the link on it by guidot pls, so i can record my journey and thus if i am successful in raising some awarness others can follow and thus a bigger impact can be achieved

 

dont know if this is a good thing, but i know i need to do something about it, otherwise we might as well just sell up now if any buyers are there - its so disheartening to imagine i could lose my home for a debt that might just be a bit over 1000 pounds.

 

thanks laters maz

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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Hi maz

 

No problem with that - the more the merrier! I have emailed Watchdog but just got an automatic reply. How about that presenter on Moneybox on Radio 4 - I am sure he would know about it.

 

There is also a petition by a CAG member on the No 10 Downing Street website where you can log petitions - but last I looked there were only approx 70 signatories. Its just that the majority of people dont know about it.

 

Also, I have not heard Martin Lewis (you know the money advice guy on GMTV) mention this - he usually speaks loudly.

 

Good luck with your MP - let us know what happens. If you need any

support - just ask.:)

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WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Is there any chance that the "launch" of this new law will be held back due to the chaos in the financial market and the fact that so many property values would have decreased significantly. What is the point of securing a debt on a property where any sale value will go directly to the mortgate provider ?.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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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Hi maz

 

No problem with that - the more the merrier! I have emailed Watchdog but just got an automatic reply. How about that presenter on Moneybox on Radio 4 - I am sure he would know about it.

 

There is also a petition by a CAG member on the No 10 Downing Street website where you can log petitions - but last I looked there were only approx 70 signatories. Its just that the majority of people dont know about it.

 

Also, I have not heard Martin Lewis (you know the money advice guy on GMTV) mention this - he usually speaks loudly.

 

Good luck with your MP - let us know what happens. If you need any

support - just ask.:)

 

Hiya Pathway and all

 

thank you - will get a thread started and also will start a thread on martin lewis site as im registered there too

 

what i shall do is get an appointment fixed and on my new thread anyone can throw me any questions we need to have answered and i will officially put in a request of all our concerns - what about that guys?:)

 

will be back laters to do as off to take dd to college

 

ciao laters maz

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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our family costs are rising and now this,those who have gone bankrupt, is it a better prospect if this law becomes the norm?

 

 

Going Bankrupt is a more viable option than people realise, even if you are a home owner.

 

It is a common misconception you will automatically lose your home in bankruptcy, if you have little or no equity then in almost all cases I have seen the bankrupt has been allowed to keep the house by buying the beneficial interest back of the official receiver for a token £1 payment + costs (about £220).

 

Assuming you are up to date with your payments (or have reached an agreemant with the lender if you are in arrears) and can afford the payments on the mortgage of course.

 

If you have any secured loans on the property, that will complicate matters as well as those will still remain if you keep the property

 

The only exception to this is where the cost of the mortgage (and secured loan payments) has been considerably higher than the rent of an equivalent property (or more suitable where the mortgaged property exceeds the needs of the bankrupt and there family) In such cases (and I have only seen a couple) I have seen the official receiver try to disallow the mortgage payment and only allow the equivalent rental, thus freeing up money to be paid to an IPA. Not sure if any official receiver has succeed in doing that yet as though as those where still under contention so not decided yet.

 

Once a charging order has been made however it seems that debt is no longer written of in bankruptcy and treated just as any other secured loan, so yes if you have no equity or any other assets of value, such as an expensive car, I would say bankruptcy would be worth considering if the situation is right regarding the equity on your property as it would actually protect your property.

 

It also frees you from all other unsecured debts at the same time, but there are other complications if you where to choose bankruptcy so it is not a decision to take lightly, and something you should research fully, to see how it may impact your life in the future.

 

In my case it didn’t affect my future at all so was the right choice for me, but for others it may not.

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