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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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    • We have finally managed to obtain the transcript of this case.

      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.

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Me & my Debts - Haydon DMP since 2001- they charge a £20PCM fee from my <£40 payment - CCA time? In Scotland too!


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Yes they can start procedings without anything and in some cases they do. If there is no defence then theoretically they can win these cases by default. However if they were to start proceedings on this basis then the lack of an agreement is a complete defence and until they can produce it then they can not get a judgement if you defend correctly.

Dont let the parasite dca's prosper

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  • 4 months later...

I have recieved a letter from Cabot as follows, REPAYING YOUR ACCOUNT]

Thank you for your recent payment. However there is no agreed repayment plan currently in place.

I have not been in touch or made payment to Cabot since asking them to provide a valid CCA about 2 years ago, also the balance is showing around £300 more than before.

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  • 2 months later...

I have received a letter today from Link financial

LETTER BEFORE ACTION

Link Financial Outsourcing Limited has attempted to recover the outstanding balance from you but has however not been successful.

COUNTY COURT PROCEEDINGS WILL NOW BE ISSUED AGAINST YOU WITHOUT FURTHER NOTICE. WE shall obtain and enforce a county court judgement against you. This may affect your ability to obtain credit in the future.

You should be aware that where applicable contractual interest will continue to be charged on the outstanding balance until the debt has been fully repaid although we will not ask you to pay more than the amount you would have paid if you had continued to pay your account as per the original terms of the agreement.

You may be liable for the costs of any action we take and statutory interest will accrue on your account at 8% for the full period. We will also impose a maximum fee of £130.00, which you will be lable for.

IF YOU WISH TO PREVENT THIS COURSE OF ACTION PAYMENT MUST BE RECEIVED IN FULL WITHIN THE 14-DAY PERIOD. PLEASE CONTACT AN OFFICER ON 02920 808698 AS A MATTER OF URGENCY

Mr T Johnson

Litigation Manager

Link Financial Outsourcing Limited.

Any advice folks will be most appreciated the balance is just over £1600.

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think this says it all unless you want to try and negotiate a full and final settlement

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Thanks Ida,

In March 2009 Link sent me a copy of the application form signed by me to MBNA in 1999,

the account was purchased by Link in 2001 and i stopped paying them on December 2007.

Fellow caggers informed me that the application form which i scanned on here was not a valid CCA, although i expect if it goes to court they will use it as proof.

It has always been my intention to make settlement of this account when i can afford to, i am considering making a starting offer of £50.00 as full and final settlement.

In 2007 Link made me an offer of £9237 as full and final which i could not afford and still cannot afford, the account is just over £1600. All advice will be grateful.

I telephoned Link financial tonight and explained that the account is in dispute and that i have not received valid CCA copy or notice of assignment from them or MBNA.

The person on the phone said that they will send me a valid copy of the agreement and the assignment and told me that the action will be delayed for 7 days,

then i will be sent notice of court action and if i do not pay in full i will have a CCJ put on my credit file.

As always all advice is welcome.

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If they send a valid copy of the documentation it will be a miracle. But if that miracle should happen then you need to think what to do next. At the moment they can bluster about 7 days, 7 months but not 7 years or it would be statute barred but that is all it is bluster.

Dont let the parasite dca's prosper

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Strange how Link think they know what the judgement will be 'WE shall obtain and enforce a county court judgement against you'

Well they sent me the same letter and attempted to take me to court but withdrew the action 2 days before the first hearing.

As has been written usual Link bluster.

Keep all your paperwork filed in order and be prepared but on their past record if, and I stress if, they start court action you'll have all the ammo required and assistance from CAGers too .CP

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I have received two new letters from Link financial, the first being a copy of an appliction for a credit card from MBNA in 1999 with my details and signature. the same as they sent to me in january 2009, which fellow caggers said was not a valid CCA copy. The second letter states,

SALE OF YOUR DEBT, and is dated April 2011.

RE : YOUR AGREEMENT WITH MBNA EUROPE BANK LIMITED ( MBNA ) RELATING TO ACCOUNT NUMBER *********

WE write to introduce Link Financial to you. Link financial is the current owner of the outstanding balance due from you under the agreement referred to above. MBNA has as january 2001 assigned to Link finacial the outstanding balance due under the credit card agreement. As a result of this assignment, the full amount of the outstanding balance is due to us immediatiately.

The total outstanding balance is £163*.**

We have appointed Link Financial Outsourcing Limited " Link" to administer and recover your debt on our behalf. In order to discharge the outstanding balance, you should send payment without further delay.

Since you now owe the outstanding balance to Link Finacial, you should make no payment relating to the outstanding balance to MBNA. Any payment made by you to MBNA will take significantly longer to be processed onto your Link account.

You may wish to take legal advice etc. Advice welcome please fellow caggers.

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More bluster. If the documentation is not valid (and you know why it is not valid) then Link can threaten you with anything that they like but that is all that they can do threaten. Other caggers will advise also but it may be that you have to tell them to put up or shut up.

Dont let the parasite dca's prosper

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Thanks batman, I am going to write to Link and tell them that application form is not a CCA copy and that the above letter is not a notice or letter of assignment, advice is most welcome thanks.

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Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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  • 2 weeks later...

I have received a reply from Link Financial,

Thank you for your recent correspondence. Please be aware the documentation supplied fulfils our obligations under the consumer Credit Act and therefore do not consider your account to be in dipute. Please contact us so an affordable repayment plan can be organised and to prevent further recovery action.

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This means that they have satisfied s78 of the CCA which allows them, basically, any old rubbish and say "this is your agreement" (a computer dump of T&Cs with your name and address carefully typed at the top is one example). Having done that they are entitled to try to enforce - letters. threats, phone calls etc. Even court action should the notion take them. BUT as has already been pointed out if the document they sent you in 2009 still isnt enforceable in 2011, their court action wont succeed - signing requirements not fulfilled go straight to s127 (3).

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  • 2 months later...

Thanks seriously fed up.

I received a call from Link financial from Wales today, got me when i was under severe pressure, looking to set up a monthly payment plan,

I told him that link has never provided a valid CCA copy or notice of assignment, he said they have and as i had an MBNA credit card back in 1999 and that as i had paid Link monthly payments for years that their claim is valid,

asked me if i consider it right that i used the credit card then stopped paying, told me that he is phoning to help me and stop court action etc and offer a monthly payment to be set up.

i told him that i am under severe financial pressure and had just heard bad news workwise, i said if and when i can afford it i will gladly offer part payment as full and final payment, he persisted a payment set up and promised to call back tonight.

I am just now under financial stress workwise and cutting back on outgoings, i do eventually make settlement payments to the DCAs, however this is a bad time and i need watch my outgoings and i have applied for working tax credits as my income is so low just now. All advice welcome folks.

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Can you post up what they have sent to you that they claim is valid and let the experts have a look at it then you will get better advice on how to proceed but at the moment from what I understand they have not proved that it isnt statute barred let alone produced anything that they can rely on in court

Dont let the parasite dca's prosper

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Batman's advice is excellent. If they dont have the paperwork to enforce their claim and/or its statute barred, let them fume. They will put pressure on you and if they think that you are starting to crack then they wont respond by backing off. Their response will be to put more pressure on you. So its important that you put up what they have sent you and get some advice (hopefully that we should all have a good laugh)

I know you have many other things to worry you, but in all seriousness you need to show a confident face, advise them that you have no evidence that they can enforce (dont expect them to agree btw) and that until they can change that there is no point in further correspondence.

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Thanks seriously fed up and batman, i am unable to view batmans post as there is a page missing although your message is notified in my mail box, thank you batman i hope your posting will turn up tomorrow. SFU you are correct i was cought up feeling very vurnerable and they are seeking to use this against me.

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