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    • 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?  
    • 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.  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) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 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 contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No 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 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 this document.  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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. 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 2) 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)  
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Just Recieved A Signed Capital One Agreement


sunflower99
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Hi Proliant,

 

That is almost the same as they sent me, but my signature box has less stuff in it. I can't read it all, but is there any reference to their address in your signature box -or anywhere else on that piece of paper? - there isn't in mine.

 

Yours is only the second one I have seen like this. Everyone else was getting T & Cs which were apparently on the back of their original agreements, and you just wouldn't believe it - all the copies had creases in exactly the same place!!! Must be the folding machine :rolleyes:

 

I have now written three letters - one to capone and two debitas pointing out this is not a credit agreement, and spoken to countless idiots from the call centre too. Not certain what I am going to do next.

 

DD

Hi Desperate Daniella!

going by other peoples crap one experiences! It seems a complete waste of time speaking to their call centre staff!They do not know anything apart from reading from a script.The only other thing you could do is do what Version is thinking of doing and ask to speak to Ellie?:eek:it seems that all you can do is just send out the letters pointing out that you consider account in dispute and asking to see original so that if it gets taken further you can tell all the DCAs or court when and if it goes that far that you have put account in dispute have doubts about their alleged CCA and that you can tell judge if it goes that far you have taken reasonable steps to view original to save court time!if it does go that far!:D

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi Sunflower,

 

I am just mystified why Proliant and I just got the top of the form and the signature box. Clearly they were sending out these dodgy 'backs' of the agreement to you and so many other people, and maybe they are now realizing people are catching on and so they have decided this is a bit risky. They could get CAUGHT :eek: As soon as you or anyone else can actually get there to see your agreement and the prescribed terms aren't actually on the back they have been caught.

 

I do think if anyone actually gets an appointment with Ellie they must take a digital camera and take a photo - you know, a nice one with both people smiling for the camera.:D

 

My last long letter quoted the Act, the Regulations, and the fact that while it is in dispute they can't charge interest, sell it on, and must stop demanding payment, and maybe they could pass this on to their call centre staff who should start actually learning about the CCA 1974.

 

Needless to say I expect the next letter in about a fortnight.

 

DD

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I am just mystified why Proliant and I just got the top of the form and the signature box.

 

As far as I am aware they have been doing that on and off for some time.

 

They are fully aware that most of their older agreements are junk but I think the idea is to cast doubt and that they might have a goer.

 

Doesn't really comply with Sec 77/78 but their view is obviously, "What are you going to do about anyway".

 

David

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And our view is " I'm not paying you a penney unless you send me a true copy of a credit agreement - so what are YOU going to do about that!":D

well said!:D:D:D:D

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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ooooh! ive just noticed ive been promoted to being a platinum customer!LOL I did not realise ive posted that much on here!:D

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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hi i forgot I had a letter adding another £12 charge on sat. I was going to reply with the std "you cant as its in dispute" but thought I would have some fun instead. heres my reply off in post 2moro.

 

Dear Sir/Madam

 

Thank you for your letter dated 3/2/9. (copy enclosed).

 

It is unfortunate for you that this account is in dispute and therefore your letter is irrelevant and against the guidelines of the OFT on debt collection, not that capitalone have ever taken any notice.

 

I am still awaiting a reply to my letter dated 2/2/9.

 

This is my final response on this matter.

 

I am not in a position to enclose my complaints procedure as I do not entertain to complaints, similar to yourselves.

Unfortunately you cannot complain to the Financial ombudsman service either as I am not apart of their service.

 

As always I will only communicate in writing, attempting to phone will automatically enter your number into my exclusive "BT choose to refuse" list where a place is always available for such prestigeous creditor.

 

Yours faithfully

 

:D

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Just my point of view but I feel it's not a good idea to be flippant in matters that might, for whatever reason, end in litigation. A judge wouldn't see it as particularly funny and it's best to stick to enforcing your legal rights when dealing with DCAs or banks in letters.

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hi pinky69, you are right. I shouldnt really and wouldnt advocate anyone else doing it. I was trying to make a point that if they can get away with anything I could get away with being sarcastic. Even if they take and win in court they will still lose as I have 0 assets. My total belongings consist of 1 computer worth 100quid, a phone worth a fiver and my clothes. If you seen the state of them then many would say they are worth nothing :D. Thats it ! and i can never see it changing. Ive been a carer day and night since as long as I can remember and they wont get me down as i have better things to think about. Sorry for rambling and talking on sunflowers thread my applogies.

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Hello

 

 

Just recieved a requested cca from capital one, what they have sent is

 

the capital one reply card were i entered to my info etc to appy for card

 

there is a section at bottom saying this is a credit agreement, sign if you want to be bound etc

which i did sign as this was a reply card.

 

what is my next move.

 

 

thanks

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Hello

 

 

Just recieved a requested cca from capital one, what they have sent is

 

the capital one reply card were i entered to my info etc to appy for card

 

there is a section at bottom saying this is a credit agreement, sign if you want to be bound etc

which i did sign as this was a reply card.

 

what is my next move.

 

 

thanks

 

Start a new thread and scan and post up the document ensuring any personal info is blanked out. Photobucket seems to be the preferred storage vehicle for CCA responses :D

 

Someone will then see it and comment

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hi pinky69, you are right. I shouldnt really and wouldnt advocate anyone else doing it. I was trying to make a point that if they can get away with anything I could get away with being sarcastic. Even if they take and win in court they will still lose as I have 0 assets. My total belongings consist of 1 computer worth 100quid, a phone worth a fiver and my clothes. If you seen the state of them then many would say they are worth nothing :D. Thats it ! and i can never see it changing. Ive been a carer day and night since as long as I can remember and they wont get me down as i have better things to think about. Sorry for rambling and talking on sunflowers thread my applogies.

Hi Version!

Please dont worry and please keep posting on my thread!! I love your posts and sense of humour!I think it is so important to keep a snse of humour in this fight against these rotten DCAs! Oh dear i just said rotten ! Hope i dont get cagbooted again!:eek: Please Dont stop! your humerous posts!They cheer cheer me up ! and keep our morale up! :)Luv from sunflowerx

Edited by sunflower99
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Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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keel close

 

I am very happy to tell you that from what i can see it is unenforcable but can u post up the bottom part on its own as i cant read that.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I cant see any prescribed terms on it which makes it hopeful it is not enforceable!:D,I take it they did not send anything else just this form?

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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I cant see any prescribed terms on it which makes it hopeful it is not enforceable!:D,I take it they did not send anything else just this form?

and it is a pre 2006 alleged CCA! so the prescribed terms have to be on same page either on same side or overleaf.

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Dear Sir / Madam

 

Account No: $$$$$$$$$$$$$$$$$$

 

Thank you for your letter of 10 April 2008.

 

The information that you supplied however does not comply with a legal request for a true, signed copy of my Consumer Credit Agreement under the Consumer Credit Act, 1974.

 

To date, all that you have supplied is an Application Form with most of the data apparently missing; there are no terms and conditions and as it stands this document is legally unenforceable.

 

What I Require:

 

I require that you send me a true copy of the executed agreement as required by the Consumer Credit Act 1974. If you are unable to supply the requested documentation because no such agreement exists then I require written confirmation of this.

 

I require that you comply with my request within 7 days of the date of this letter.

 

I will not correspond any further with you until I receive a copy of the requested documents as laid down in section 78(1) CCA 74.

 

I am advised that should you persist in pursuing this alleged debt ignoring the above information you will be in breach of the Administration of Justice Act 1970 section 40.

 

I would appreciate your due diligence in this matter and I look forward to hearing from you in writing.

If you do not understand any of the contents of this letter you should consult a qualified solicitor

 

Yours faithfully

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi Keelclose!

you could send Crapital One the letter in my above post! as next move!

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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