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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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babegem v Phoenix recoveries/HSBC


babegem
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Had a look at it but couldnt see the tutorial, so looked up the IMG link,

 

have now posted the claim doc...

 

Remembering the accounts I had were three thrown into one, pleas see the particulars state is for overdrawn bank account.

 

Have drafted my directions, are you able to comment/advise?

 

Thanks

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If they are stating that the debt is an overdraft, take a statement in showing your last account useage and say that the remainder looks to have been added up by excessive / unlawful penatly charges !!

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Hi there,

 

Thanks for your help...

 

Yes I put a CPR re in on 20th Dec and got back a CCA for my loan (other account ref), a letter of assignment to L & R from HSBC and a notice from Largo (L & R) saying they have been assigned it from Phoenix. The account refs on letters are the same, but not as the CCA or the claim (different again)

 

That was all. Received on 10th Jan and nothing since. Says, we will be able to provide your other requests in due course.

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The following requests were 'referred back to their client (Phoenix or HSBC?) and they stated they shall "revert back shortly".

c. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

d.Documents relating to any insurance added to the account/s, including the insurance contract and terms and conditions, date it was added and deleted.

e. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

f. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

i. Copies of statements for the entire duration of the credit agreement."

 

In letter dated 23rd December, from L&R, but still have heard nothing more.

Edited by babegem
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If this is a current account overdraft that is made up entirely of charges, can you ask for stay until the determination by the OFT/Bank court case. After all, our reclaim claims are being stayed until the outcome !.

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You are absoloutely right! I have a letter from HSBC saying that they would apply for the stay if I pursued, and they are all aware of the dispute.

 

The problem that I have is that the portions that are charges have not been investigated (but have been acknowledged by HSBC and L&R) yet. So these sums are a mystery! I have an estimate in my defence for this but it only goes up to year or so ago re interest.

 

How can I phrase this and do I put this into the draft order for directions or where? Can I put this is the AQ somewhere?

Edited by babegem
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:eek:

 

Does anyone know If I can apply for a stay as the account in Claim, is disputed due to unfair charges, and the creditor have failed to respond to dispute, or particularise the claim or supply support docs as per CPR?

 

I need to get my AQ back in less than 48 hours and have work tomorrow,

 

limit on time! Please help me...

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Here's a guide to completing the AQ, but I'd like to see your defence too if you could post it please. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html#post90317

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Any law I can refer to in my AQ about no letter before action?

 

Can I request copy and proof sent of this in my directions?

 

Failure of the Claimant to supply a sufficient letter before action

 

34. The claimant has in the defendants opinion failed to conduct themselves in accordance with the Civil Procedure Rules insofar that they failed to issue a letter before action compliant with the CPR preaction protocols which state

4.3

The claimant's letter should -

(a)

give sufficient concise details to enable the recipient to understand and investigate the claim without extensive further information;

 

(b)

enclose copies of the essential documents which the claimant relies on;

 

©

identify and ask for copies of any essential documents, not in his possession, which the claimant wishes to see;

 

(d)

state (if this is so) that the claimant wishes to enter into mediation or another alternative method of dispute resolution; and

 

(e)

draw attention to the court's powers to impose sanctions for failure to comply with this practice direction and, if the recipient is likely to be unrepresented, enclose a copy of this practice direction.

 

Yes, put them to strict proof.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

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[/i]

 

Yes, put them to strict proof.

[/indent]

 

Hi DocH,

 

Please advise the source of your second quote, and where I can add a summary in the AQ?

 

For example, do I put in the more information or in the directions or both?

 

Would this do the trick in the directions:

 

"The defendant puts the claimant to strict proof that the required documents were served before legal action was initiated, for example, no letter before action"

 

Thanks again...

Edited by babegem
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Hi Babegem...just subscribing...

I haven't got through all of this yet, but would point out the following (sorry if you know this already):

Phoenix Recoveries purpotedly buy debt from the likes of HSBC, at a major discount and then try to strongarm recovery, by using L&R (Legal & Receivables) / LARGO Law (all same company). Names sound legal...but are just debt collectors...LARGO Law my 'associate' themselves with Caseys Solicitors, but 'Litigation executives'....are not solicitors at law.

 

Debts cannot simply be lumped together, each claim must be substantiated separately, with all necessary evidential paperwork....as on most of the forum's advice...any one of them should fail, if insufficient proof of agreement/default/assignment/amounts etc.

Flexiloans/personal loans are still loans and not overdrafts/bank accounts, so dont be fobbed off by this...so under CCA law and each requires production (and proof of delivery) of all relevant paperwork.

If the accounts are old enough to fall under CCA 1974 (pre 2006 I think ?), then look up several forum cases 'won' for specific guidance and references.

If they have not got paperwork proof as formal evidence served properly on each agreement, then each needs to be challenged on its own merits.

If the account numbers/amounts are different to yours, then you should also defend on basis of not recognising their claim......eg.could have any number of debt collectors chasing....you are simply trying to determine their rights to collect on that specific debt...

 

Try not to be too upset by LARGO Law....and try not to panic too much....by the time it comes to being heard, you'll probably know more about the CCA rules than they do...

 

Good luck and keep reading similar threads.

 

BP

BeanPole :)

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Hi DocH,

 

Please advise the source of your second quote, and where I can add a summary in the AQ?

 

For example, do I put in the more information or in the directions or both?

 

Would this do the trick in the directions:

 

"The defendant puts the claimant to strict proof that the required documents were served before legal action was initiated, for example, no letter before action"

 

Thanks again...

 

Sure. From the Justice.gov.uk site here:

 

CPR - Rules & Practice Directions

 

The quote from the CPR would need to go into an amended defence, or may be suitable for a Witness Statement. Those with more experience will advise.

 

In your directions you should be asking the judge to order the claimant to provide you with a true copy of the letter before action.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

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