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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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cca and barcays


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Hi there. This is my first posting and I need a bit of advice please!

 

I cca'd Barclaycard and it's been 12 working days now since they received the request (sent rec del).

 

This is for a credit card which was originally a Goldfish one, taken out around 10 years ago I think, possibly around the time when Goldfish was first launched.

 

What do I do now? Do I just wait or would it be better to go down the SAR route?

 

Many thanks!!

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HI,

If there are charges on your account then an SAR may be the way to go. If not then you could send the A/C in dispute letter but why should you be telling them what they should already know.

Whichever way you go BC have defaulted and you are quite within your rights to stop paying them.

 

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

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Personally I would just wait and obviously now stop paying them.

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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They are likely to send you an automated letter informing you that you haven't paid them.

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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Hi there. This is my first posting and I need a bit of advice please!

 

I cca'd Barclaycard and it's been 12 working days now since they received the request (sent rec del).

 

This is for a credit card which was originally a Goldfish one, taken out around 10 years ago I think, possibly around the time when Goldfish was first launched.

 

What do I do now? Do I just wait or would it be better to go down the Subject Access Request route?

 

Many thanks!!

 

Becca,dont hold your breath :) im still waiting for my cca from barclays,its now 7 weeks since there 12+2 was up, you will get the automated letters re non payment and they will try to ring you too,But your well within your rights to withold payments while its in dispute,

ide just sit back and wait for them to send the cca or a letter with their intentions

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  • 3 weeks later...

Still no word on my cca from Barclays but a £10 M & S voucher arrived in the post from them last week with a standard letter about me being a good customer! The other thing is they haven't yet cashed my £1.00 cheque for the cca. Letter definitely arrived ages ago as did it recorded delivery.

 

One payment missed now but have put the money aside just to be on the safe side!

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Got a statement today from Barclays with late payment charge added for missed payment at end of December. How do I stop them adding charges? 12+2 days was up before Christmas and I also sent the 'in dispute' letter. Just got a call from Barclays this evening. Was brave and told them I wasn't in!! Had stated in my letters I could only be contacted in writing so perhaps they can't read! Still haven't cashed my £1.00 cheque even though it was signed for ages ago. Does this matter? No sign of cca......

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Becca,

dont worry about it, the account is in dispute,

they will carry on adding those late charges on no matter what,cause they simply ignore anything you tell them,

but it will do them no good, they can add as many charges as they want,

cause until they come up with your agreement they cant enforce it,

and even if by some miracle they did come up with your original agreement and it was a fully compliant one ,(even bigger miiracle) :Dyou would claim all those charges back anyway.

 

The account will prob be passed on to mercers when they realise you aint going to pay up .it took them 3 months to pass my accounts onto mercers

 

Dont speak to barclaycard or mercers on the phone, they will bully you and try to convince you its in your interests to pay even though the account is in dispute

Simply refuse to answer their security questions and tell them to put everything in writing and put the phone down on them,

Dont worry about the non cashing of the £1 fee, they still havnt cashed mine from october,

You have proof they signed for it, its their problem ,youve done all you can, just sit back and wait for their next move,

 

 

 

 

Mak

Edited by mak71
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Well, the calls have started! 3 to my landline, 2 of which I did't answer, a text to my mobile and a call to my moblile. Don't know how they got the number as it's pay as you go and I only give the number to family and friends. I didn't realise it was them and answered it. Once I knew who it was I started asking Mr Barcays how the weather was, had he had a nice Christmas etc. He started getting quite annoyed and said he wanted to talk about my account so I said can't possibly do that, it's in dispute and I only deal with finances by letter. He told me I was entitled to my opinion but the calls would continue so I said I would look forward to our daily chats and I did so hope his job was safe! I think he thought I was a bit mad and he hung up. Am keeping a note of the calls. Will look forward to the next one....

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:D:D:D Keep it up.

They don't like it when their power is taken away.

 

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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  • 2 weeks later...

Help needed!

 

My 8 year old has a pay as you go mobile phone which her uncle gave her just to take pictures on etc. It's only ever had credit put on once, at the end of last year. Don't know how, but Barclayshark have managed to get the number for this and have started ringing it! How do I stop this! It just rang a few minutes ago and I answered and told them this wasn't the phone of the person they were trying to reach so please stop calling it.

 

The calls to the house are increasing but I can cope with that as I just ignore them, but calling an 8 year old's phone is out of order. Any ideas on what I should do about this would be great.

 

Thanks

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Hello Becca00!

 

Don't know how, but Barclayshark have managed to get the number for this and have started ringing it!

 

Three guesses how they got the number:

 

Give up?

 

Here's a clue or three:

 

CallCredit

Experian

Equifax

 

They got my Mobile Number too, and I never, ever, gave that out to anyone except family and close friends. And I never used it to call anyone that could've grabbed the number.

 

The Debt Industry controls our Data, and can roam around and poke about in our Data in many more ways than they will ever admit.

 

Cheers,

BRW

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Help needed!

 

My 8 year old has a pay as you go mobile phone which her uncle gave her just to take pictures on etc. It's only ever had credit put on once, at the end of last year. Don't know how, but Barclayshark have managed to get the number for this and have started ringing it! How do I stop this! It just rang a few minutes ago and I answered and told them this wasn't the phone of the person they were trying to reach so please stop calling it.

 

The calls to the house are increasing but I can cope with that as I just ignore them, but calling an 8 year old's phone is out of order. Any ideas on what I should do about this would be great.

 

Thanks

 

Just a thought but how did you load the credit on the phone? pay by debit or credit card and its linked via your credit report.. I could be overstating the lengths they will go to but I doubt it.

 

If you complain to the OFT and ensure they know this is the phone of a minor CCing in Barclaysharks it might have some effect but to be honest once they have a phone number chances are the calls will continue :-(

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You can get software to barr incoming calls on your mobile phone like MCleaner.

 

Personally I would phone the police and inform them that Barclaycard are phoning your 8 year old daughter.

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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Help needed!

 

My 8 year old has a pay as you go mobile phone which her uncle gave her just to take pictures on etc. It's only ever had credit put on once, at the end of last year. Don't know how, but Barclayshark have managed to get the number for this and have started ringing it! How do I stop this! It just rang a few minutes ago and I answered and told them this wasn't the phone of the person they were trying to reach so please stop calling it.

 

The calls to the house are increasing but I can cope with that as I just ignore them, but calling an 8 year old's phone is out of order. Any ideas on what I should do about this would be great.

 

Thanks

 

When you buy a new PAYG 'phone or SIM card some providers 'invite' you to register, offering a few quids worth of free calls. When you do your details and number are added to a directory which is then sold on to anyone who is willing to part with a few Shekels.

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Hi,

I would be making a formal complaint about their actions and enclosing this letter:

 

Harassment by telephone - Consumer Wiki

 

Ringing an 8 year olds phone is dispicable and needs to be stopped.

If you know your local beat officer, ask them if they'll ring Barclays on your behalf.

 

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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Thanks for all the advice. I paid for the credit on the phone with my debit card so perhaps that how they got the number.

 

Emailed a complaint last night stating I would report this to the relevant authorities and funnily enough haven't had any calls yet today on either the mobile or my house phone. Have usually had at least 2 by now. Wonder how long that will last.

 

Haven't made any PPI payments or done a SAR. Was sitting tight until I got a reply to my cca request. Am expecting a copy of my Goldfish application or the like and then a letter stating they don't have to supply copy of original. Seems to be their latest tactic!! I think I'll wait for that then do a SAR.

 

Many thanks for all your help. Nice to know I'm not alone!

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Just a quick update. The calls to the mobile have completely stopped - that won't stop me making an official complaint to the relevent bodies. The ones to the house are continuing but don't seem to be quite as often. Only 4 yesterday but I'm sure they'll increase again!

 

Yesterday when I checked my bank account my £1.00 cheque for the cca request was showing so after almost 2 months they've finally cashed it. Must check my next statement to make sure they haven't put it towards the credit card account.

 

Quick question to anyone who knows. If they manage somehow to produce an enforcable cca at some point down the line, would I have to pay all the payments I've missed while the account is 'in dispute' or would payments just start from when they produce the document?

 

Many thanks.

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In that case you would have to pay all the money you owe. The 'dispute time' wouldn't remove your obligation to pay, I'm afraid. But cross that bridge when (if) you come to it.

 

They will mostly likely put the £1 towards your account. That's standard practice to avoid Statue Barred coming into effect later down the line.

 

Any silent calls from automated dialling computers? If so and you get too many a complaint to OFCOM is in order.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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would I have to pay all the payments I've missed while the account is 'in dispute' or would payments just start from when they produce the document?
They would start from when they produce the agreement. You would not have to back date payments.

 

They will mostly likely put the £1 towards your account. That's standard practice to avoid Statue Barred coming into effect later down the line.

It doesn't avoid it because you in no way acknowledged the debt and made it quite clear what the payment was for.

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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They would start from when they produce the agreement. You would not have to back date payments.

 

In the past i have read that when an agreement is eventually found the whole debt is again liable? Once they find an agreement i understood it to mean, that's it, end of. The whole debt is enforceable and therefore payable?

It doesn't avoid it because you in no way acknowledged the debt and made it quite clear what the payment was for.

 

That's if you signed the back of the cheque (CCA payment only) and or added to the text of the accompanying letter 'this is to be used to CCA and not to be put towards the account.

I'm thinking later down the line, if it goes to Court, all you have is a copy of that letter and a statement from the creditor showing you made a 'payment' towards the account. A Judge is most likely going to side with the strongest evidence i would assume: That statement showing a payment?

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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