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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX 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). 4.2  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).  4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. 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. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Capquest/ Letter Re: Purchased Debt


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Yes - I have SAR them (EGG) yesterday-

Not sure how to go about trying to negotiate with them-some of the amount is already dispute-

 

42Man- do you have a letter that covers both discussing a repayment plan with them but at the same time making it 100% clear that some of the amount claimed is in dispute.

Furthermore- i know of all the letters reqiuesting statements,CCA,SAR etc-but is there a letter that simply 'disputes the amount claimed only'

Thanks again

PS/ It's a real pain that i now find that i will end up having to work along side these people in order to come to an arrangement

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Don't take any notice of the time limits on these templated threats. They are always seven days, and it is always irrelevant.

 

I would very strongly advise against sending any letter discussing a repayment plan, or a letter which "disputes the amount only". Such a letter would definitely be construed as a written acknowledgement of the alleged debt.

 

You say the document you have been sent is the same as that in the thread you have linked to. There are some issues with this, as you can read in the thread. Also, there is the fact that the agreement here is from July 2003, whereas yours is older. If they have a legible agreement to copy, why have they sent you this illegible copy? It must be at least possible that some documents have been destroyed in the meantime.

 

What exactly did the letter say which gave you the ubiquitous seven days? Was it a formal Letter Before Action, or just a templated threat from a machine?

 

If it was a templated threat, just wait for the next one. Every day that goes by puts you closer to the information you desperately need - the date of the last payment. If and when you need to respond, just quote the information given above about illegible agreements. You need to at least challenge them on this - we don't know yet that they even hold an original agreement from 2000.

 

Also, you have only posted up one page, what else have they sent you?

 

SH

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I cannot understand why they have threatened bankruptcy when if they had a good solid case a CCJ would be the way to go to ensure they get all their blood money. If they make you bankrupt they risk only getting a percentage of what they claim you owe. I would definately hit them with the fact that what they sent you is illegible and really could say anything.

 

As SH do not be alarmed by their 7 days as this is typical of all DCAs and is designed to CON you into contacting them.

 

Its too early to start negotiating with them about any payment plan

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Hi- An update and not that good-

Recd. by registered post a Stat demand

Have 18 days to do something- please can anyone advice

PS/ aprt from those statements sent to me few weeks back i have heard nothing more regarding my actual query & SAR- I have asked for copies of all correspondece i'd made since 2002 and also proof of credits

help needed in dealing with this

Thanks

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Of course they will ignore you, its all part of the game. They have up til now only threatened you.

Their 'legal' letters are only letters of threat to get you to fold.

You have made truly legal requests for information using the advise from this site, you've paid the correct fee as well.

Now, if they go properly legal and issue court proceedings, then you have all this evidence that you have tried to resolve this matter amicably through your legal requests for information. To date, they haven't complied.

When and IF it gets to actual court summons, then there is a very powerful letter using the CPR rules, which will also go in your favour. That will include actual sight of the agreement they will rely on in court.

It looks like they are trying everything to frighten you.

But stick to it, DO NOT ACKNOWLEDGE anything of this account, DO NOT offer any payments. They have started threatening you but the burden of proof is on them to provide the goods as it were.

How long did you give them to respond to your request for a legible copy of the 'Agreement'

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OK losingwilltolive I have just read through the last few posts, and I see you have received a statutory demand. Well done for posting nice and early so we can prepare to get this set aside.

 

Their tactics don't make any sense. As ODC says, if they have a cast iron case why do they not go for a CCJ? And if they are going to try to make you bankrupt, why can they not be bothered to use a process server to serve the statutory demand properly?

 

Do not worry. You don't have an abundance of time, but because we know about this in good time we certainly have enough. I will post some links for you in a minute.

 

SH

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As long as you made a formal request for a CCA which they are now in clear default of there is no need for you to remind them of their Legal Obligations. They are the so called professionals and as such should know their Legal Obligations. Obviously they do not or they would have attempted personal service of the SD rather than posting it. I would be inclined to ask for a sworn affadavit from them as to how and when they attempted personal service. The failure to supply a valid CCA is a good reason to have the SD SET ASIDE. What response did they give when you told them the alleged debt was Statute Barred??? Have they prvided any proof that its not.

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The Insovency Helpline site is a good one to read for background information into statutory demands. This is a good place to start -

 

Legal Issues Explained - Statutory Demand

 

Download forms 6.4 and 6.5 from the Insolvency website, as these are the ones you will have to fill in. Have a good read through and prepare in your mind what you are going to write -

 

Forms

 

I am assuming you are in England or Wales. If you are in Scotland or NI just shout, and we can get some help for you from experienced people who live in these jurisdictions.

 

Finally, here is a post with an example of how you claim your costs, which you will want to do.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133960-1st-credit-failure-produce-2.html#post1583927

 

Any questions, just ask. Hopefully 42man will see this thread and provide some more links. There are posts which actually have the full application written out, and yours will be very similar to these.

 

SH

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Thanks again-

to answer some of the questions:

 

although they had supplied a CCA just outside the 12+2 days-

i am still awaiting for a copy which is 100% legible

 

they have most certainly not attempted 'personal service' of stat demand- it came by registered/signed for post

 

they are sure that debt is not statute barred and have refered me to statements they had previously sent- i know that these mau well be dodgy statements but i also know that i made last payment approx 4/5 years ago- althye they have not provided proof of this- could i ask them to prove to me that these payemnets were made on account oin 2003??

Thanks

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Youve asked EGG for the accounts via the SAR, you'll have to wait until you receive the correct details from them.

Your position is quite clear, you are awaiting details from Egg, you are also awaiting a legible True copy of the so called agreement.

At the very least this account is in dispute until they give you the correct documentation, so I thought they couldnt carry on collection activity until the dispute is resolved, please someone correct me if I am wrong.

It sounds to me that whatever you do, they will go right to the wire this.

When they issue court proceedings, thats when you put the boot in

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I have seen the CCA they sent you, and it almost completely illegible.

 

The service by post won't be a reason by itself to get the demand set aside, but it does call in to question how serious they are. More importantly, is there a name of someone to contact on the demand itself? There must be, for it to be valid. You should try getting through to this person a few times, as often you cannot do so. If the person is not a valid contact you can reach, that invalidates the statutory demand.

 

Have a look at this thread, which has the basis of what you will need to include on your forms. It will need amending slightly as the circumstances are not exactly the same, but it will give you a good basis to work from -

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172430-statutory-demand.html

 

The alleged debt may or may not be statute barred - we just don't know. How do you know you made a payment 4/5 years ago? The computer printouts from cq had it at Feb 2004 - surely it is unlikely that it would be more recent than this? Why would they artificially move the date of the last payment backwards? That wouldn't make sense. It is, of course, pitiful that they have taken this action while you are waiting on the results of your SAR. As of now, the alleged debt is in dispute not only due to the lack of a legible CCA, but also pending the results of a SAR which may show that the alleged debt is statute barred, and will almost certainly show multiple unlawful charges.

 

I don't suppose you know whether you ever received a valid notice of assignment from Egg when cq picked this up, or whether a valid default notice was issued?

 

I am still trying to work their tactics out. Why are they taking this action having only supplied an illegible copy of the agreement? Surely they would have a better chance with a legible copy? Why are they using the insolvency process instead of trying to get a CCJ? Why are they striking now? Could it be that they are striking out prematurely because they don't want you to have the SAR information? Beacause there is something in there which will be useful to you?

 

Could it be that they are trying to frighten you with insolvency because they know that if they went for a CCJ they would have to produce documents under the Civil Procedure Rules, and they would be found wanting?

 

They have supplied an illegible copy of the agreement. If they have a proper, valid, legible original, why do they not issue a court claim and then produce that original in court? Could it just be that no such original exists?

 

Whatever the situation here, there are more than enough questions to keep fighting your corner. And, all the time they are messing around with frivolous statutory demands, the clock is ticking. The 40 days for Egg to comply with your SAR are running out, and whatever the SB date may be, it is inevitably drawing closer.

 

SH

 

PS Hello guests! Or should I say CrapGuests from CapQuest?

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