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


Pathway
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Hi Sequenci

People just don't know this is a possible sanction of defaulting on an unsecured debt. I would imagine the average man or woman on the street would be very suprised to find out that their credit card could end up being secured. Maybe the personal debt figures would not be anywhere near the levels they are if people had know about this in the first instance.

 

I agree 100%, I know that the new CCA 2006 provisions go someway to addressing this. It should be made much clearer that a CCJ could mean further enforcement. Remember that a Charging Order is a method of enforcing a judgment debt, which can only come about once a regulated agreement such as a credit card has been defaulted.

 

If the laws come in there will a queue half a mile long outside evey county court of dca's lining up to take people to court where as before they might of tried other mean first. We all no the tricks and deceipt some of the DCAs use, can you imagine with this under their belt.

 

I honestly beleive that the use of DCAs is going to start falling, I'm convinced that creditors are going to start bringing their debt collection activities back inhouse as the debts should be easier to collect due to the various changes in the laws + the economic downturn. We shall have to see what happens on that one! I agree that some unscrupulous collectors will certainly rush the courts though - not good at all.

 

 

I could go on. I just don't like the idea that getting the order will be so easy without it being considered wether its proportionate or appropriate in each case. My experience to date on these matters is that they will be dished out like confetti once it gets easier and the courts will not make apply the appropriate tests.

 

I agree to a certain extent but i also think it would be a little harsh if a creditor couldn't obtain a charging order against someone who had no other means of repaying a debt which is due. Imagine someone with little income and thousands of pounds of equity. I guess it has to work both ways.

 

I think the key problem is that the industry is full of crooked firms who plague on the average person's ignorance of the law, I hope more people find this forum so that we can give them the tools they need to regain the balance.

 

 

PS - be a devil - sign the petition!

 

We have done a great deal of campaigning/advising in the day job

Why go to the MPs when quite often they come to us ;)

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I agree to a certain extent but i also think it would be a little harsh if a creditor couldn't obtain a charging order against someone who had no other means of repaying a debt which is due. Imagine someone with little income and thousands of pounds of equity. I guess it has to work both ways.

 

I agree 100% thats why it should proportionate and appropriate. Someone who has run into debt due to illness has little or no equity but will shortly be in a postion to resume payment and has many other creditors. Neither proportionate or reasonable, but still likely to end up with a CCJ and a charging order.

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I agree 100% thats why it should proportionate and appropriate. Someone who has run into debt due to illness has little or no equity but will shortly be in a postion to resume payment and has many other creditors. Neither proportionate or reasonable, but still likely to end up with a CCJ and a charging order.

 

I think the Government should employ you and I to help them re-write the act!

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There is also the issue that with a charging order they can also commence charging intrest again, where they couldnt before, if i understood that bit correctly earlier.

 

How is this aplied regarding what they claim against a property, does it become part of the amount in the charging order, if so just how fast would the debt grow and therefore "increase " there share of the equity if you where only able to make a small payment.

 

If you see what im getting at :confused:

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and dont forget that in theory they can still enforce the debt by other means once the charging order has been granted.

 

For example an attachment of earnings would then reduce the amount enforced against the house through the charging order.

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FF

 

have cut and pasted bits from your letter and already forwarded by email to my MP but still intend to go and see him when he is at the town hall

 

at least we have started something

 

ciao for now 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 everyone,

 

I have just finished sending emails in relation to the change in the charging order rules. The people i have contacted are as follows..

 

Assembly Members

 

Nicky Gavron, Murad Qureshi, Darren Johnson, Caroline Pidgeon,

Richard Barnbrook, Mike Tuffrey, Gareth Bacon, Dee Doocey, Victoria

Borwick, Jenny Jones and Andrew Boff,

 

Councillors

 

Maurice Groves, Barbara Mansfield and Ronald Wilson,

 

Local MP

 

Siobhain McDonagh

 

 

Lord Malloch-Brown

House of Lords

London

SW1A 0PW

Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

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Hello

 

Just heard Gordon Brown say " we are the party protecting homeowners rights in this country " !!!!!!!!!

 

Is there a Minister in charge of Consumer Protection" - ?? Anyone know - tried to check on the Treasury website but all v confusing.

 

If so we should all be contacting that person as well.

 

I know Citizens Advice etc have been campaigning:):)

Edited by Pathway
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By all means keep signing the petition, but I think we can all agree this is as good as law and expect to see charging order on every other post. As well as stories of woe from evicted families.

So if you want to challenge your bank with CCA and then stop payments it would seem the best way to keep your home is transfer your asset to a trusted family member other than your partner/wife.

Does anyone know the approx cost and process of selling your house to your mum for say a pound?

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Well if they do pass it on, then they could gamble on the election victory

 

so i dont know, the voice needs to be heard now in time

 

for enough pressure to mount.

 

can i sell to my daughter for a 1.00? - guys its at 171 at the petition - yahhhhhh

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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By all means keep signing the petition, but I think we can all agree this is as good as law and expect to see charging order on every other post. As well as stories of woe from evicted families.

 

So if you want to challenge your bank with CCA and then stop payments it would seem the best way to keep your home is transfer your asset to a trusted family member other than your partner/wife.

 

Does anyone know the approx cost and process of selling your house to your mum for say a pound?

Is this possible? The reason I ask is because while I was at the High Court last week I was handed guidance notes on bankruptcy and while reading it I came across something about cars/assets you have sold on in the last 12 months. They would want to know who you sold to and the whereabouts of cars etc.

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So if you want to challenge your bank with CCA and then stop payments it would seem the best way to keep your home is transfer your asset to a trusted family member other than your partner/wife.

 

Does anyone know the approx cost and process of selling your house to your mum for say a pound?

 

Be careful here, there could be untold problems - firstly they are likely to unwind the transaction as it is with an associated person. Also what if your mum is elderly and loses mental capacity while she owns it? There will be problems selling it and it may have an impact on means tested care benefits if she needs to go into a home. Passing to another relative is also risky if they go bankrupt themsleves or through a divorce. The safest way to protect it may be putting into a trust but that it going to be very expensive and will probably outweigh the potential debt being chased.

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can a minor own a house?

 

What if I pay the mortgage but its in someone elses name?

 

As far as I am aware a charging order is a single act of enforcement (stands alone) where as bancruptcy is eveything you have and owe.

 

As pointed out above there are obvious downsides but could it prevent them getting their grubby hands on a slice of your home.?

 

Of course the best thing to do (apart from not getting in debt in the first place) is to avoid it ever getting to court. Defend Defend Defend!

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Don't know the act of the top of my head but to own property you need to exchange contracts or at least sign a contract of some sort and to sign a contract you have to have capacity to understand the complexity and nature of the transaction and any consequences of it and it is held that minors lack this capacity.

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Don't know the act of the top of my head but to own property you need to exchange contracts or at least sign a contract of some sort and to sign a contract you have to have capacity to understand the complexity and nature of the transaction and any consequences of it and it is held that minors lack this capacity.

 

How about in the event of it being willed to them perhaps?... This would not require them to sign anything.

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How about in the event of it being willed to them perhaps?... This would not require them to sign anything.

 

Most people would tend to leave property to their children via a trust which only allows them to inherit at 18 or older (which is sensible) but at the point is can be transferred to the child there will still be legal documents to sign so capacity would be required and not available of they are still a minor.

 

Also for the property to pass under a Will you have to die which has to be the ultimate sacrifice to avoid a debt :eek:

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Signed :)

 

But, sorry to be stupid. As a home owner, I have never totally understood what a charging order is:( Does it mean that the debt to your creditor has to be paid out of the proceeds of any sale when you decide to sell, and just sits there for years? Or can they force you to sell straightaway to pay them? And what happens if you have more than one debt to more than one creditor? Can there be more than one charging order on the same property? And then what happens? And if you are working and can afford reduced regular payments to your creditors (say through PayPlan or somewhere), will they still put an order on your home instead of accepting these payments? Sorry to be stupid. Thanks in advance.

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