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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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DCA's and Me


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Dear all,

Please forgive me if I make some huge mistakes here - new at all this! I really really need some advice on handling the bunch of DCA's who are harrassing me at the moment. I know I owe money, but also don't earn much and they just don't seem to understand that I can't pay them money I don't have! :confused: The real problems are with two of them: CCS and Link Financial.

 

With Link, they seem to be chasing a debt they have been sold by GECapital - they sent the notification of the sale in a letter saying that I had defaulted and that this means I can't pay in installments, and that they suggested I contact a solicitor or CAB if I had questions. This letter arrived the same day as a letter from them informing me of a default they applied the day before either of the letters reached me, along with a £75 tracing fee! Am planning on sending a standard CCA letter - does this sound about right?

 

With CCS - I owed money on a closed water bill. I got (on the same day) letters from CCS and Moorcroft saying they need payment now, on the same accoutn (same ref, same balance). Spoke to Moorcroft and arranged terms (too much but will have to struggle I think), but not going to pay twice! so contacted OC to say dealing with Moorcroft, call off CCS and wrote to CCS to say - no dice, I don't acknowledge debt to your company, OC will be contacting you themselves to confirm. Is this right ? (wrote it before finding this forum!)

 

Any and all advice very gratefully received - these are just the two most pressing of current hassles, and reaching the point where they are likely to become straw that broke camel's back....

 

Newbie x

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With Link, they seem to be chasing a debt they have been sold by GECapital - they sent the notification of the sale in a letter saying that I had defaulted and that this means I can't pay in installments, and that they suggested I contact a solicitor or CAB if I had questions.

If they have stated that you can't pay by installments in a letter then I think that's worth a complaint to the OFT.

 

This letter arrived the same day as a letter from them informing me of a default they applied the day before either of the letters reached me, along with a £75 tracing fee! Am planning on sending a standard CCA letter - does this sound about right?

 

Again another ground for complaint as they can not lawfully add their collection charges to the account unless it is in the original agreement - which it won't be as this would be an unfair term and possibly invalidate the whole agreement.

 

I would certainly send the CCA request. Remember to send it recorded delivery with a one pound postal order and do not sign the letter.

 

What type of account was it you had with GECapital and when roughly was it taken out?

 

OC will be contacting you themselves to confirm. Is this right ?

Is the bill correct? I would try to negotiate payments with the OC directly. I would also make an official complaint in writing to them about using 2 DCA's to pursue the same debt. They are not supposed to do this.

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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Thanks for the reply - will send off the CCA request to Link today, recorded delivery! Will also draft up letter to OFT - thought they were being cheeky but didn't know precisely what grounds to pull them up on!!

 

The original GE account was (I think) a storecard - have had three of these in the past, all cards got nicked and I am a muppet about keeping records so not sure what account it would be, and Link have kindly not told me! (Topshop or monsoon are prime contenders, think the other was paid up - in fact overpaid!) Would have been taken out around 1999 - 2002 ish depending on which account, and would have been being paid through to 2006 ish when had depression, lost job, and moved home alot... everything kind of got a bit in a mess at that point!

 

Re the water bill - yes, as far as am aware is correct. Thought about trying to go to OC, but they were being harsher about payment terms than the DCA was (unusual!!) and had got DCA involved when bank kindly cancelled my DD to them without telling me - well, either bank or OC cancelled it cos I sure didn't! Will also write to OC as suggested though, bit much to use two especially if not allowed to do that.

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The original GE account was (I think) a storecard - have had three of these in the past, all cards got nicked and I am a muppet about keeping records so not sure what account it would be, and Link have kindly not told me! (Topshop or monsoon are prime contenders, think the other was paid up - in fact overpaid!) Would have been taken out around 1999 - 2002 ish depending on which account,

In which case it's highly unlikely that there is an enforceable copy of the agreement if one still even exists. GE's record keeping would appear to be very poor.

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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  • 2 weeks later...

Ok - movement on this one!

 

Sent a CCA to Link Financial on 15th January re a GE storecard. They have replied (dated 21st, received on 24th) but not happy with their response. They say..

 

"We acknowledge receipt of your letter dated 10th January 2009 and the £1.00 fee enclosed.

 

Due to the fact that the above account has been with a Trace Agency, to prevent us sending you, due to an incorrect trace, a 3rd parties details and therefore breaking the Data Protection Act, please would you peruse the following details. The agreement relates to the issue of a Monsoon Stoe Card issued on the 11th August 2002, provided by GE Capital Bank Ltd. The address quoted on the agreement was London XXX, can you confirm if this address is a previous address.

 

Please can you send us your full name and date of birth together with a copy of an official signature eg passport or driving licence, we also require a blank sheet of paper with 6 specimen signatures on, these will be compared to the signed agreement and if they are compatible we will send you a copy of the agreement immediately.

 

We hope the above information has clarified matters and you recall the debt in questions, if not we look forward to receiving the above information at your earliest convenience to enable us to resolve this matter quickly and amicably.

 

Yours faithfully,

 

XXXXX

Litigation Officer"

 

SO:

 

The postcode they have given has only the first part there (SE?) - I did live in SE london at a postcode similar, but mine was SE??.

 

They can't have a copy of the driving licence or passport - I have since married and the signatures are different!

 

Why should I send them six signatures on blank paper - I mean they have already said want passport or similar so why do they want six specimen signatures?

 

If they are so worried about Data Protection, why have they sent me details of a debt owed, given the account number and threatened further action if I do not pay them, if they are not confident I am the person owing the debt?

 

Also, they said that they had applied a £75 tracing charge - do I wait for the statement of the account that I also requested with the CCA or do I say something now? And will the statement show any other charges that shouldn't have been applied or do I need SAR for that?

 

So what do I do - obviously the clock is still ticking on the CCA request. Do I confirm full name and date of birth? Do I send them anything? Does anyone have a link to a letter that answers this type of thing? (Am guessing is a standard response - douby I merit personal attention!)

 

All opinions and help are most gratefully received!!!

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Simply send them the following.

Dear Sirs,

 

RE Account NO XXXXXXXX

 

Thank you for your letter dated xx/xx/2008 the contents of which are noted

In your letter you make reference to requiring my signed authorisation /specimen signature** before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S77/78** request.

 

If it is for Data Protection purposes then i can happily supply you with documentation to substantiate my identity to you.

 

However please note that to date you have happily sent correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

 

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

My request for a true copy of my credit agreement under section 77/78** was made on xx/xx/2008 and the 12 working days for your compliance expire on xx/xx/2008. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

 

I look forward to receiving the documentation requested

 

Regards

 

Print dont Sign

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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Well, today is the 12th working day after they received my request (as per Post Office track and trace), and so far no sign of a CCA (although given the weather, the postie may not have made it through as yet!;)).

 

IF there is nothing when I check this evening, do I assume they cannot find anything? Or just that they are very slow?! Is the account officially in dispute as of today, and do I tell them this? Do I just wait until the 30 working days are up?!

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Had the following from LINK turn up today (no scanner here so copying verbatim)

 

QUOTE

We acknowledge receipt of your letter dated the 27th January 2009, the contents of which have been noted.

 

Whilst we appreciate your concerns and apprehension at providing specimen signatures and confirmation of your date of birth, these are requested to protect your interests not our own. Due to the account being with a Trace Agent we have to be absolutely sure that your the (name removed) who signed the credit agreement. Upon perusal of the details in our previous letter you would know if you had indeed signed for the issue of a XXX store card, and also if the postal location at that time was familiar to you.

 

We required an official copy document which shows your signature and date of birth to resolve this matter, if nothing is received we can only assume you are the signatory on the agreement and recovery procedures will continue.

 

Please note any information sent previously, was sent before you advised us that the agreement in question was not known to you.

 

Yours

END QUOTE

 

What? So they are not giving me my CCA as won't give them signatues, but will continue and take me to court?! The account is in dispute now as the 12 + 2 days are well up now.

 

So - do I write and tell them it's in dispute? and how do I respond to the above pile of whatsit?! (politely, that is...!)

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I would send them the following and make a complaint to the OFT.

Dear Sirs,

 

RE Account NO XXXXXXXX

 

Thank you for your letter dated xx/xx/2009 the contents of which are noted

In your letter you make reference to requiring my signed authorisation /specimen signature** before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S77/78** request.

 

If it is for Data Protection purposes then i can happily supply you with documentation to substantiate my identity to you.

 

However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

 

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

My request for a true copy of my credit agreement under section 77/78** was made on xx/xx/2009 and the 12 working days for your compliance expired on xx/xx/2009. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

 

Let me assure you that any recovery procedures that you undertake while this account remains in dispute and your default of supplying the copy of the agreement remains will be reported to the appropriate bodies.

 

I look forward to receiving the documentation requested

 

Regards

 

Print dont Sign

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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