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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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      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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CIFAS warning


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Since your last warning, i had 3 warnings on my account and the last one was put on in april 2005 so by april 2006 they got took off my account, i had to "TELL" experian to remove them or they would have just left them on my file.

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Sorry, am a bit confused. What do they mean when they say, while the activity continues. I got mine for exageratting my income. What would be seen as continuing this?

 

Exagerating your income again.

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exagerating your income on a credit application yes is a reason but a year after your last activity would be a time for them to get removed.

 

That's what I understand - have I read correctly though that you must write to experian/equifax/callcredit directly and request the removal of the CIFAS information?

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E'cuse me jumping in on your post.

 

Are there any numbers beside the CIFAS entry?

Made up Equifax entry reads like this

 

Client name Homeloans

Date recorded 03/02/1999 Case number 12392C

Category 03.(99)

 

As far as I can tell this category number indicates the severity of the alleged fraud and thus determines the length of time it will sit on your report.

 

These categorys seem to indicate to other lenders whether it was a finance fraud or insurance fraud and what level of fraud.

 

As of 19th July CIFAS will also have access to government records including council or local authority housing tenancies with more to departments to come on board in the future.

 

Only an opinion - :confused:

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Thought this might also help:-)

 

CIFAS Online - Frequently Asked Questions

 

The CIFAS categories are as follows:

 

0 Protective Registration – Recorded at request of the person named or to protect the identity of a deceased person1 False Identity Fraud - Use of a false name with an address

 

2 Victim of Impersonation - Use, by another person, of this name and/or address

 

3 Application Fraud (Facility Granted) - An application/proposal for any facility with one or more material falsehoods in the information provided - the facility was granted

 

4 Application Fraud (Facility Refused) - An application/proposal for any facility with one or more material falsehoods in the information provided - the facility was refused

 

5 Conversion - Conversion (disposal or sale) of goods (to which the hirer/buyer does not have title) under a hire-purchase, conditional sale, contract hire, leasing or rental agreement

 

6 First Party Fraud - Opening an account or other facility for a fraudulent purpose, or the fraudulent misuse of an account or facility

 

7 Aiding & Abetting - Aiding, abetting or assisting, or conspiring with, another or others to fraudulently procure credit, hire or other facilities, or other product or service

 

8 Insurance Claims Fraud - The making of a claim(s) under one or more insurance policy(ies) with one or more material falsehoods or by presenting a false or forged document

 

Where a CIFAS record is marked with a category '0' this means the entry on the database has been made at the request of the person named. In the majority of cases, the person has been a victim of a crime such as burglary or mugging and has had personal documentation, which could be used to fraudulently open an account, stolen from them.

 

The other categories describe different types of fraudulent activity. Particular attention should be paid to category 2. This category covers the 'victims of impersonation'. Their details appear on the database for their own protection. The information does not mean these individuals have committed frauds.

 

Category 6 covers a variety of situations. For example, someone who deliberately reports their credit card as stolen, when it has not been stolen and they are continuing to use it would be covered by this category. The same would apply to someone who reported they have not received some goods by mail order, when the goods had been delivered and the individual was using them.

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Just got a recorded delivery message from hitachi today (guys who put the CIFAS entry on my record) anway they are still standing by it even though some of the data they are using is incorrect - they believe I was living at a property on a given date (during last 4 years) when I wasn't. Now even though I was living at another address which they know about (although it was a temp student accomodation) do I have grounds to demand this entry to be removed?

 

ie filling out credit application

 

current address xxxxxxxxx

time at address 20 years

if less than 4 years please give other addresses

 

I didn't give other addresses as I had lived at my 'permanant' home address for over 20 years but on my credit file (due to being a student) I had a few other addresses listed and hitachi have given 2 of these as reason for the CIFAS warning - one I didn't live at in the previous 4 years (and can prove) and the other I did as a student, but it would have been for less than half the time during the year I was there.

 

Now I've just been refused a mobile contract - was given one almost two years ago when my credit was worse/same and the only difference now is this CIFAS warning.

 

Do I have any claim for recompense as their (I believe wrongly filed CIFAS warning) has cost me a new phone and better contract.

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Hi everyone - my first post!

 

Im in same boat - had a CIFAS flag placed on my account for missing out a number fo uni addresses. Can you post an example of the letter I need to send to the agencies to get the flag removed?

 

Thanks for your help,

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A year after the last CIFAS information yes, as experian didnt remove mine until i told them to.

 

If I contact the organisation who placed the fag in their eyes it was still fraudulent as i didnt give all my addresses - as a year has now passed would the credit agencies not remove the flag as there has been no activity for over a year?

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  • 3 weeks later...

Data protection act:

Crime and taxation. 29. - (1) Personal data processed for any of the following purposes-

  • (a) the prevention or detection of crime,

  • (b) the apprehension or prosecution of offenders, or

  • © the assessment or collection of any tax or duty or of any imposition of a similar nature,

are exempt from the first data protection principle (except to the extent to which it requires compliance with the conditions in Schedules 2 and 3) and section 7 in any case to the extent to which the application of those provisions to the data would be likely to prejudice any of the matters mentioned in this subsection.

(2) Personal data which-

  • (a) are processed for the purpose of discharging statutory functions, and

  • (b) consist of information obtained for such a purpose from a person who had it in his possession for any of the purposes mentioned in subsection (1),

are exempt from the subject information provisions to the same extent as personal data processed for any of the purposes mentioned in that subsection.

(3) Personal data are exempt from the non-disclosure provisions in any case in which-

  • (a) the disclosure is for any of the purposes mentioned in subsection (1), and

  • (b) the application of those provisions in relation to the disclosure would be likely to prejudice any of the matters mentioned in that subsection.

(4) Personal data in respect of which the data controller is a relevant authority and which-

  • (a) consist of a classification applied to the data subject as part of a system of risk assessment which is operated by that authority for either of the following purposes-

    • (i) the assessment or collection of any tax or duty or any imposition of a similar nature, or

    • (ii) the prevention or detection of crime, or apprehension or prosecution of offenders, where the offence concerned involves any unlawful claim for any payment out of, or any unlawful application of, public funds, and

  • (b) are processed for either of those purposes,

are exempt from section 7 to the extent to which the exemption is required in the interests of the operation of the system.

(5) In subsection (4)-

  • "public funds" includes funds provided by any Community institution;

  • "relevant authority" means-

    • (a) a government department,

    • (b) a local authority, or

    • © any other authority administering housing benefit or council tax benefit.



    • What i believe this means is, that if your data is being used for prevention of crime, its not subject to all conditions, but is subject to schedule 2+3



    • SCHEDULE 2
      CONDITIONS RELEVANT FOR PURPOSES OF THE FIRST PRINCIPLE: PROCESSING OF ANY PERSONAL DATA 1. The data subject has given his consent to the processing.
      2. The processing is necessary-
      • (a) for the performance of a contract to which the data subject is a party, or

      • (b) for the taking of steps at the request of the data subject with a view to entering into a contract.

      3. The processing is necessary for compliance with any legal obligation to which the data controller is subject, other than an obligation imposed by contract.

      4. The processing is necessary in order to protect the vital interests of the data subject.

      5. The processing is necessary-

      • (a) for the administration of justice,

      • (b) for the exercise of any functions conferred on any person by or under any enactment,

      • © for the exercise of any functions of the Crown, a Minister of the Crown or a government department, or

      • (d) for the exercise of any other functions of a public nature exercised in the public interest by any person.

      6. - (1) The processing is necessary for the purposes of legitimate interests pursued by the data controller or by the third party or parties to whom the data are disclosed, except where the processing is unwarranted in any particular case by reason of prejudice to the rights and freedoms or legitimate interests of the data subject.

      (2) The Secretary of State may by order specify particular circumstances in which this condition is, or is not, to be taken to be satisfied.

       

      [*]The point i would make, is that CIFAS

      are not the 'administration of justice'

      but a group of financial organisation,

      coming together to prevent fraud.

      They are not a government organisation

Therfore what right do they have to hold our subject data, without our consent.

Any opinions???

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  • 4 weeks later...

Right, well I wrote a letter to Experian as suggested above in the post - basically saying that I understood that CIFAS entries were supposed to be removed one year after the last 'incident' - since that has now passed, can it be removed.

 

Response was:

 

The length of time a CAFIS warning is recorded depends on how long the fraudulent activity continues. Members are able to extend the time a warning is laced against an address to protect the address from fraud.

 

So, there you go then.. Who to contact next, Orange (the member) or CIFAS themselves?

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  • 3 years later...

I am writing this on behalf of my dad, he applied for a great universal account on a laptop where they asked for the date of birth he thought he hit 1955 but instead it skipped to 1953 didnt relise until the account had been opened, he then received a letter from the investigations department asking to ring them so he did, he explained the situation that it skipped a couple of digits on the birth year, the badly mannered staff member told him that he didnt believe him and that the accont as now been closed, so now a CIFAS warning will show on his file, but he is worried would they invlove the police in this matter, from a genuine mistake??? please help my dad.

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Firstly, it remains NONE OF THEIR BUSINESS your dad's DoB is there for his benefit (cards, presents) not theirs. I change by DoB regularly with suppliers - I use it as an 'additional security question' and providing I use the same details there is no problem. What his REAL DoB is is nothing to do with them, so police involvement is not relevant unless he planned to defraud.

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  • 2 years later...
they stay for six years - that why I'm ****ed off as I didn't lie told them where I had been living for over 20 years

 

and the real bitter pill - I was on the verge of buying it without the finance anyway (which I did the day after finance was turned down)

 

hi.if you go on equifax..it is only a year it stays on your file....

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