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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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Good Afternoon me and my debts


lowwill
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Good Afternoon all and thank you to the two guys who emailed me previously with support.

I've joined because I have got myself into debt with credit cards and lost my job/company. I have acknowledge my debt to all those involved, have never shirked my responsibility but I'm overwhelmed by the negative and nasty responses I'm getting.

So far the worst is a company called CABOT FINANCIAL who now write about every 5 days, this is followed by an outfit called LOWELL.

I keep writing back making offers and paying what I can afford by standing order but frankly I'm notsure I can take much more.

I expect you guys have heard it all before but I can tell you after reading some of the posts on this forum I do feel a little bit better.

Enough now and thank you for the opportunity.

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Hi and welcome to CAG.

 

Are these personal credit cards or company credit cards?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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When were they taken out and who were they taken out with?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Please forgive me but may I come back to you on that one, I'll need to get the details together.

I used the CAB earlier this year who wrote to all of them and we had two positive responses and I've been paying monthly to all of them a minimum amount. Sadly the CAB said they could no longer help me, this was in July of this year because the funding had run or something. I have been treading through the mine field on my own with the help of this forum and the internet.

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No problem.

 

If you could also let us know which accounts Cabot and Lowells are dealing with that would be helpful as obviously these are your priority in terms of getting them to leave you alone at the moment.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Cabot Financial

Original with Goldfish Bank, Account opened 07/2001

They agreed for me to make payments of £18.57 per month to start on the 30/11/08 but have since sent me four letters requesting full payment as they feel I have defaulted.

 

Lowell Financial

Original with Monument, not sure of when it started but think about 2001.

3 letters so far o3/11/08, 11/11/08 & 24/11/08

I wrote requesting breathing space to no avail. Also wrote to Monument offering a sum but totally ignored.

 

Have had acceptance of offer from Capital One, NatWest and the others, beside those mentioned above have all been paid £1 monthly as agreed with the CAB.

 

Marlin Financial Services

Original with HFC Bank I think about 2000/2002, Will not accept any offer and most recent letter merely states that any payment made will assist in paying down the balance bot will not defer proceedings at County Court.

 

Natwest have agreed to accept a monthly figure for a period of six months, this letter was sent in October but only just received by me as it went to my previous address.

 

Moorcroft Debt Recovery Ltd. Previously with American Express. Letter received is of 'intended litigation' but not if settle debt immediately, but along with that I now have received a letter from Midas Legal Services dated today to prepare a file for court proceedings.

 

There are two others to whom both I and the CAB have written during the last 12 months but I have as yet had no known reply.

Edited by lowwill
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Hi lowwill welcome to CAG:) Don't worry about Lowell and Cabot, they have their own fan club on here!!! You need to send them CCA request- this is asking for a copy of your original credit agreement which you are perfectly entitled to ask for at any time. Send the requests recorded/special delivery so you have proof. They have 12 days from receipt of request to comply. If after 12 days they don't supply you with it, you are entitled to stop making payments to them until they give you a copy. DO NOT SIGN, just type your name. Good luck:)

Your Address

 

Your account no

 

Dear sir /Madam

 

This letter is a formal request pursuant to s.78 (1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.78 (6) will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order for the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

I look forward to hearing from you.

<<<If I have helped please tickle the scales;-)<<<

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Thread moved to Debt Collectors Forum.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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As fedup states, send them all a CCA request. The request should go to the DCA dealing with the account and should be sent reacorded delivery. If there is no DCA dealing with the account then send it to the creditor.

 

Of the creditors you have listed (while I don't wish to get your hopes up) it is likely that none of them will have enforceable agreements.

 

If the agreement is not enforceable what that basically means is that they can not enforce the account in any way. So if they did take you to court (please bear in mind most threats of court action are simply that - idle threats) they would lose as the court would be prevented from granting an enforcement order.

 

If the agreement is unenforceable it is also then your choice whether you pay the account or not. If you choose not to they will have to write the account off. If you do choose to pay it then you can do so entirely on your terms.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If it helps I did make a small contribution when I registered.

 

Hi lowwill, Im pretty sure your donation to the site is very much welcome, however you will continue to get help from these great people whether or not you donate. The people are simply fantasic here.

 

Your thread was moved by one of the site team to a more appropriate location so it can be best dealt with on Cag, The site team members "signature" is a "wording" that appears on all posts they make and its contents are personal to them, just as me and you can have one too. It wasn't intended at you personally, It simply appeared when they moved your post.

 

Hope I havent read it wrong, if so I appologise.

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If it helps I did make a small contribution when I registered.

 

It all helps! I hope you will feel it was justified as the weeks pass.

 

Take it one step at a time. As soon as you can, print off as many copies of the letter in fedup74's post as you need to send one copy to each current holder of the account. Follow the instructions in fedup74's excellent post. I would send them recorded rather than special delivery in this case, as the expense of special will be excessive.

 

Cancel that idiotic payment plan with Crapbot, as it is totally out of proportion with what is being paid to your other creditors. It wasn't doing any good, anyway, as Crapbot were still hounding you demanding what is not yours to give.

 

Send these CCA requests out, and then wait. When 12+2 working days have expired, post back here to let us know what, if anything, you have received back. If anything does come in in the meantime, start a new thread related to that specific account, and post up what you have received (if you have access to a scanner).

 

We can take it from there.

 

SH

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Could someone more experienced advise on the CCA letter. I have put s.78(1) as I read a post today by stephen(+some numbers!!) and he pointed out that there is no s77 which I think is what most CCA requests have on (s77-79). PT also advised that s78(1) applies to a rolling credit agreement (credit card) but I just want to make sure it is right before lowwill sends out request. Thank you:)

<<<If I have helped please tickle the scales;-)<<<

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Hi Lowwill,

 

Many of us have been in similar situations but now that you have found the forum you will get all the support that you need.

 

Follow the advice you have been given and you will be well on the way to taking back control with a good understanding of what a DCA (debt collector) can and cannot do.

 

Don't let them intimidate you,don't ever speak to them on the phone,everything in writing,then you have a paper trail that can't be denied.

 

I've only been here a short time but CAG have stopped me having sleepless nights about debt and I wish you the same.

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There is a s77 but it refers to fixed sum credit (a loan to you and me). s78 refers to rolling account credit (so a credit card or store card). s79 refers to hire purchase agreements.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Morning Lowwill, :)

Try not to worry bout lowells & cabot (easier said than done i know), we are in similar position with them & so far they are a week overdue on providing the cca for us so we withheld payment on the 28th (Got little'un a pair of much needed wellies bless her) & we are waiting for the possible barrage of calls/letters to start once they realise monday that there was no payment for them. If that happens with you (the calls) i believe there is a template letter you can use to state harrassment by telephone etc & request all comms in writing only. We have only just started on this trip & have other lenders to still be cca'd yet but take it a step at a time & if you get down about it all or have a bad day, log on here - there is sooo much support from so many lully peeps & the best thing is that if they tell you they know what you mean/how you feel, they really do!

Good luck & best wishes!

 

Mpols x

Edited by mysticpols06
pixies swopping my keys around doh!

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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Letters sent by recorded delivery, each with a letter and £1 Postal Order. One quick question, 3 of them are to P O Boxes, how does that work if each letter requires a signature?

 

 

Hello lowwill,

By the time you're finished, your name will be highwill.

The post office has a list of valid PO box numbers on their database so when you went to the post office to send your letters recorded delivery they checked on the compooter to see if the address was valid. If it wasn't then they would have told you.

I think personally the DCA's don't like giving out their actual address just in case someone goes there and plays merry hell with them.

 

You and me (and mpols) are in the same boat with lowlifes and crapbot so I'll keep checking on you from time to time but for the moment, it's 6 weeks and 5 weeks respectively since I asked for my CCA from lowlifes and crapbot so both in default. If I had stopped paying without asking for my CCA then i can guarantee that they would have been harassing me on a daily basis. Since asking for it all I've gotis their standard template letters and not one threat amongst them.

Good luck on your journey.

 

 

fox:-D

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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mysticpols06 & silverfox1961 Its Sunday morning and you both have taken the time to message me, thank you so very much. I must confess since boldly taking the stance yesterday of requesting CCA's I am now much troubled by what I might be heaping on the heads of myself and my lovely partner. ( She knew nothing of this when she took me on but is steadfast.) Again thank you both.

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Lowwill,

Shared experiences and all that. Now I have subbed to your thread, when (if) i get anything back from them I can update you and then you'll be able to use what info i (and others) get to further your cause.

I can't deny it's going to be a long slog but when you get one over these people(yes I'm still relatively polite about them:rolleyes:), you get a warm and fuzzy feeling. I get that now but that's just the painkillers:grin:

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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