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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Legalities Of Bank Selling Debts To Third Party...


OleBanks
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Hi Everyone

 

What are the Legalities of Banks selling debt to third party.... Have been getting bullied by cap quest in relation to my debt that was sold to cap quest by CITICARD. The debt was sold to Cap quest in December 2005 for £6850, and since then the debt is gone up to £8800. Just under £2000 has been added to the account within 7months.

 

I phone Capquest and requested for an ageement at least to know on what term my account is been charged,but I was told is under the same term and condition that I had with Citi Card. I dont know my right regarding this account and they are charging interest to my account every month.

 

Can anyone please advice on the legalities of debts selling and what my rights are.

I want to stop payments until Capquest send me an agreement...can I do that or would it come back to hunt me.

 

Please Help!!!:sad:

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Debt would have been sold to DCA for 10-12% of face value. Write to them with a CCA request enclosing £1 asking for a copy of the original credit agreement and the deed of assignment. They have to provide these within 12 days or they commit a criminal offence. If they have not provided these within 30 days the debt becomes unenforceable by law. I would also send a Data Protection Act request to both Citicard & Capquest enclosing £10 each. Once the debt becomes "in dispute" you may well find it reverts back to Citicard. I would claim all charges back from both of them.

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Thanks for that, is there any other legalities along the line that I need to watch out for. I was going to stop paying them until they supply me with this agreement.

Is there a template for this kind of letter in this Forum?

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I have stop the payment indefinately to Capquest today. But my only concern is can they set bailiffs after me to seize my belongings?

 

Please I need further details regarding this topic.

 

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I have stop the payment indefinately to Capquest today. But my only concern is can they set bailiffs after me to seize my belongings?

 

Please I need further details regarding this topic.

 

 

 

they can only use bailiffs if they get a court judgment on you.

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Ok. Sorry to be a pain. At what point can they get this county court Judgement?

Would I have the orportunity to go to court and defend myself before they get this judgement against me or they can just do that automatically.

:confused: :confused: :confused: :confused:

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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ok, have sent a letter out to capquest today enclosing £1 P/O and I await their reply. I will keep this thread posted once I have a reply from Capquest.

In the light that I have anymore question I will post it in the thread

Thanks Guys :D

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi guys am back again, got a reply from Capquest today and their letter reads:-

 

Dear Mr Olebanks,

Further to you recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28days while we obtain the information you require.

If you have any proof of payment or correspondence that would assist with your query, please forward these document, with a brief covering letter, to our collection administration dept, so that we can resolve this matter as soon as possible.

 

Are they for real? can you imagine ...I dont quite understand, what correspondence do this goon think I would have when am actually asking that I dont have nothing on the account been with them. Guys what do you make of this letter. Do I need to reply and how?what do I put in my letter?:confused: :confused:

 

The most annoying thing is when I call my Debt management guys to cancel capquest off my book with them, you would think the lady I spoke to at my DMP office is out to share what ever money I pay to Capquest.

The lady was indirectly telling ,me in a rude and aggresive tone and indirectly that I should not struck them off their book. The goon are meant to be looking after my interest really. What do you think I should do about my DMP? any idea. Please advice. I was going to write to my DMP CEO and make a complaint, what do you think guys.:confused: :confused: afterall I intruct them act on my behalf with my creditor, it should nt be a war to ask them to take them off should it?:rolleyes:

 

I will wait for a reply on here before I decide.

 

Thanks

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi Olebanks

 

NO don't reply to the letter and certainly do not send them any proof of payment or correspondence!

 

Sit quietly as the clock ticks by. Let them do all the running around and the last thing you want to do is to send them any reminders!

 

Regarding your debt management, it is likely that an arrangement has been made with all creditors which is dependant upon all debts sharing a percentage of what you can afford to pay. Does this sound familiar? If so if you pull the plug on one creditor the whole agreement becomes unenforceable. Which would be why the lady was none to pleased.

 

Hope this helps

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Thanks you so much mate you've definately anwsered my question and yep it does sound familiar about the percentage been shared amongs the creditor.

But the point is my DMP guys doesnt need to write to any of the creditor because I wasnt going to reduce any of the creditors payment.

 

Since they wont be paying Capquest any more that mean they can slipt the capquet share on to the other creditor which increases what am paying them anyway that is the other creditors

 

The impression I have is if there payment is reduce then my DMP guys have to re-write to all the creditor to make a new arrangement.

Does this make sence?

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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You are probably better off awaiting the outcome of the CCA request before taking any action on DMP.

 

The question of rearranging the agreement is not quite as simple as you state. DMPs work on the assumption that all creditors are treated equally. If one suddenly drops out of the picture it may be seen that you favoured one over another and it may prove problematic getting them to agree another agreement.

 

I am a little concerned that Capquest have been pestering you if they are part of a DMP as they should know they are only entitled to their share and no more - to demand more is a fraud on the other creditors. You should bring this to the attention of your DMP guys.

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Thanks mate I will wait for the outcome of the CCA before taking an action against the DMP guys.

To be honest I just do not like the way that lady at the DMP addressed me, in a manner that( I got my self into the mess in the first place). My debtness is not from going on exotic holiday or shopping spree. It was really caused by all this charges that kept going on my account.

 

Regarding the agreement I requested for,from Capquest I know a baliff guy that I play football with on sundays and he said he doesnt think capquest can get hold of the copy of agreement I requested for. He further said this kind of agreement doesnt exist and he doesnt know why DCA like capquest buy such a debt where a debtor can turn round and request for such agreement which by law am entitle to and they are not in the position to show it.

He thinks capquest will probably sell the debt to someone else.

 

What do you think?

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I entirely sympathise about the charges causing the debt!

 

If Capquest can not prove that they own the debt they can hardly sell it to someone else. What can happen is that they pass the debt back to Citicard.

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Thanks I just have to wait at see what happens now.

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi again thread, Just got the same letter x3 from capquest. the letter read:-

 

Dear Mr Olebanks,

Further to you recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28days while we obtain the information you require.

If you have any proof of payment or correspondence that would assist with your query, please forward these document, with a brief covering letter, to our collection administration dept, so that we can resolve this matter as soon as possible.

 

The letter has already been sent to me last week. For a reason they've decided to send them again. I think I should have got the message from capquest with the first letter.

 

There was also another letter in another envelop requesting for my identity which reads:

 

Dear Olebanks,

 

Thanks for your recent correspondence

In order to progress this account, please furnish us with proof of your date of birth. A copy of your driving license,passport or birth certificate for example.

 

Mean while please be advise that we have placed your account on hold for a period of 14 days pending the receipt of this information.

 

We thank you for your kind attention in this matter and await your response.

yours sincerely

 

Capquest.

 

 

Guys what do you think they need this information for? should I send it? Please advise.:confused: :confused: :confused:

 

Thanks

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Whatever you do don't send anything with your signature on it.

 

I'm not entirely sure if you are obliged to send this info or not. If they have been dealing with you for some time they should not require proof of identity.

 

Strange that they have asked for proof of date of birth as oppose to name and address. It maybe a stalling tactic.

 

I'll have a root round and see if I can find out if you are legally obliged to provide this info. Get back to you on this one.

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It sounds like they want to verify your ID prior to sending anything out. Delaying the ID will delay the start date of the CCA request and affect when their time to action the request runs out.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Can't find anything stating you are legally obliged to provide this info. It might be worth sending them a copy of birth certificate and or utility bill. But avoid sending them anything with your signature on and don't personally sign any correspondence.

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Thanks alot guys.

@ zootscoot I will wait for your info. I will scout round myself to see if I can get hold of any info too.

 

Thanks:-D

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Ok.

I will send a Utility bill

 

Thanks

without prejudice & without liability

 

My Advice & opinions are mine, Please Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 3 weeks later...
Hi again thread, Just got the same letter x3 from capquest. the letter read:-

 

Dear Mr Olebanks,

Further to you recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28days while we obtain the information you require.

If you have any proof of payment or correspondence that would assist with your query, please forward these document, with a brief covering letter, to our collection administration dept, so that we can resolve this matter as soon as possible.

 

The letter has already been sent to me last week. For a reason they've decided to send them again. I think I should have got the message from capquest with the first letter.

 

There was also another letter in another envelop requesting for my identity which reads:

 

Dear Olebanks,

 

Thanks for your recent correspondence

In order to progress this account, please furnish us with proof of your date of birth. A copy of your driving license,passport or birth certificate for example.

 

Mean while please be advise that we have placed your account on hold for a period of 14 days pending the receipt of this information.

 

We thank you for your kind attention in this matter and await your response.

yours sincerely

 

Capquest.

 

 

Guys what do you think they need this information for? should I send it? Please advise.:confused: :confused: :confused:

 

Thanks

 

your not required to send anything - they need to prove you owe teh debt not theother way round

People who haven't made mistakes, haven't made anything!

 

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