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    • 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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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keefyboy - v - Capone


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  • 3 weeks later...
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Some movement from FSO

 

I received this on Friday

 

img008.jpg

 

 

Lets see how long crap1 can delay this letter, or are they going to "NOT Correspond any further about this matter" with the FSO as well.

 

:-|:-|:-|:-|

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Morning Silverfox

I think I have actually managed to get it posted without leaving any personal this time...

 

Hope it's nice and sunny where you are, cause it's lovely here..

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Morning mate,

I was just comparing your letter to the one I got from the FOS Re: my fight with Lowells and apart from the obvious differences (Cap1--Lowells) it's exactly the same.

Cap1 are still trying to frustrate my attempts at getting all the info they hold.

 

Of course it's nice and sunny here. Didn't you know the sun shines out of my *rse :D

 

Hope your health is ok(ish)

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

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Hi Fox

 

Have you SAR'd them, be interested to hear what other people got back, was it all what is required or did they conviently miss a few (Important) bits out.

 

I'm not expecting miracles from the FSO, they are probably like all the other "supposed" adjudicaters, even if they don't get answers they are scared to upset them by forcing them to comply with the laws.

 

 

My health has taken a bad turn, my diabetes has gone berserk for some unknown reason and my blood glucose levels are too high, we have increased the medication twice but it is still too high. I'm seeing the Doc on wednesday, see what he says. One of the worse things is the tiredness, I have got absolutely no get up and go, it's still laying in bed while I get up. I tried sitting on a stool in my shed to try and have a tidy up, nope after 10 mins I was so Kn***ered I came in to make a drink and fell asleep in the chair... misses got a bit worried as she's out in the garden, doing wonders to it, oh I wish I could get into it like the last couple of years, I've made the baskets up but thats all.

 

I could do with a good holiday on Crap1 paying, with spending money of course.

 

Finally the order has gone in for the lift, about a week ago now, will be done in approx 6-10 weeks... boy will that be good for me, I might be able to sleep in a real bed rather than the chair downstairs on my own..

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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I thought we had a spell checker on here, I need it my spelin is orribull..

 

does ya know if there is one if so how do I get about getting it on my postings please ??

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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I thought we had a spell checker on here, I need it my spelin is orribull..

 

does ya know if there is one if so how do I get about getting it on my postings please ??

 

I saw a thread the other day and it mentioned something (ithink it was Google chrome) which has a built in spellchecker.

Doesn't really matter so long as you get your point across. I say that as a man who hates making mistakes :(

 

On to CAP1, Yes I did SAR them and they haven't sent me:

A notice of assignment previously promised

A copy of the original default

A statement of default they said they had sent me but not received

Proof of posting or delivery on the above

Still no agreement, just an application.

 

Not much really but it all helps with the FOS complaint because:

 

NOA is invalid

DN is invalid

Agreement is invalid :D

 

Sorry that you're not too good at the moment. I hope you do improve soon.

 

My doctor put me on some tablets I've had previously because my crohns has flared up again but this time they gave me a 3 day migraine. Within 24 hours of stopping the tablets, the migraine went but without the tablets, my crohns is bad :Cry::cry:

 

 

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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  • 2 weeks later...

This was the letter my wife got from FOS following phone call yesterday

 

img011.jpg

 

not that interesting but the phone call was, I will enlighten you more later I'm afraid, as I have to wait the outcome of crap1's reply first.

 

:roll:

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Subbing! I hope you give em grief! Keefyboy!:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Oh I will don't you worry, as I have said before I have a S**t credit file, I lost my house, my health has gone down hill, I lost everything except the misses and the moggies, so I got nothing to lose, so bring it on......

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Hi Guys

well aint they getting good, they are talking to me after all, they sent me back my SAR bits. it consists of 14 pages of statements (double sided) & 10 double sided pages of "List of Terms relating to Memos List"! in other words a list of abrieviations., and thats it, of course there is the covering letter below

 

img012.jpg

 

 

So can someone please advise me what I should have received, 'cause I want to let the FSO know, so they can lump it into their contact with Crap1

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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How very nice of CAP1 to send you that little lot.

 

Has the account been defaulted? if so where is the default

 

What about your agreement. Did they send it?

 

Do the statements go all the way back or just the last 6 years?

 

Read everything closely. get a magnifying glass as well because it's so easy to miss something important. Check any screenshots. Lots of info on there.

 

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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Hi Fox

1/ No copy of original aggreement

2/ No Default Notice

3/ Microscope out ready for checking the statements tonite

4/ as far as I can see they have only gone back to 2002, will see later if that is to the beginning or not, trouble is a memory as bad as mine, (I can't even remember what I'm having for dinner tonight), but I'm sure it will be on there somewhere.

 

So it's going to be a phone call to FOS tomorrow to update them about this as well.

 

What amazed me was the 10 double sided pages of abrieviations, doesn't anyone talk in real english on paper there..?

Maybe they so many people from other countries working there that can't spell that they have to use them.... (I was careful what I said there, don't wanna slap accross the wrist do I... (well maybe I might enjoy it)

 

They do anything they can to delay these things, hoping we will give up, well Ms Renshaw, I aint going nowhere other than Nottingham CC,

 

I will let you know what I find out on here tomorrow..

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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HUH!

 

MY abbreviation sheets were only 7 double sided pages. Should I complain that I'm not being treated fairly. Mind you, even with the sheets, I couldn't find any abbreviations to use them on.

 

I'll be drafting a LBA to CAP1 tomorrow as they still haven't supplied everything I asked for and then another complaint to the FOS and the ICO.

 

I'll even offer to go and collect it from them :) It's only 30 miles to Nottingham. I could do with a day out.

 

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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Yeah I could meet you on the way, and see my default notice they aledged they sent me, and also the Original agreement which they obviously haven't got.

 

Reading just quickly the abbrevieations I could not beleive what they have them for ie: 2 means to, this must show what I was saying earlier about having people or stupid computers 2 rite the letters 4 them, all that shortcut did was stopped them typing 1 letter...

 

and on the very first page of the statement was £18 Annual Fee , which on the copy they sent me was only £12... well another cock up Crap1 !!

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Morning all and Fox

I didn't check the statements etc last night because Iwas too tired and may well have missed little things, and boy am I glad I left it until this morning,

 

Statements seems ok, from this date back to start of card in 2002

now the manual interventions,

 

1/ They stated in the last letter that they had not been informed of our change of address, guess what, the entry is dated 01/05/2008, so that puts that one to bed.

 

2/Default notice, they said it was issued and sent out on 06/12/2008

There is NO entry for that date dates go from 30/11/2008 to 09/12/2008

 

there is an entry for 03/11/2008, made by Operator PEA494, "issued default notice" but from what I can make out it doesn't look like they sent the notice out to me.

 

3/ They stated on the "copy of the original agreement" that their charges were only £12 for Overlimit charge = £20, Late payment fee = £20, & Annual fee =£18

 

4/ The manual entry statements go back from now back to 26/10/2007 then back to 06/03/2003, so the copies for the period 06/03/2003 to 26/10/2007 are missing completely.

 

5/ copy of the agreement is missing

 

6/ No copy of alledged Default notice that was (not) sent

 

Other than the covering letter there was nothing else sent to me under the SAR, which I know is not correct.

 

So snotty letter going out to CapOne to point out the errors of their letter of reply o the SAR, a copy of the letter being sent to FOS updating them to CRAP!'s obstructions to getting the correct information. :mad::mad::mad:

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Hey Fox,

Fanks for telling me to use a magnifying glass,

Am I glad that I did and it turned up trumps, I have found approx 11 faults, even down to 2 entries on one of the statement pages of where the continuous statements supposedly, jumps from march 2006 to may 2008, with nothing in between..... what are they hiding I wonder...

 

There are more questions which need answering like why they didn't send copies of default notice (which they stated was sent on 6th December 2008,) there was no entries between 30/11/09 and 09/12/2009 on the manual intervention notes. But there was an entry in October 2008 that just said "Account in default" and nothing else. Elsewhere when a letter was to be sent out there was an entry saying "Letter sent to Client"

So it looks like they failed to send the letter out

to me.

 

Another thing was the snotty letter they sent me in March this year about my change of address, had they bothered to look at their own records as there was an entry in May 2008 stating my new address details !!!

 

So I have drafted a new letter to them, I will put it on here later after the boss has checked it for grammer and spelling errors.

 

I have given them 10 working days to send the correct documents or I will be issuing court summons against them...

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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I do it so she feels important really, involved, so if it goes to the wall I can blame her... :-)

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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This is the letter I have composed to send to Capone in response to their failure to send the proper documentation under a SAR request.

 

I would like anyone who knows anything to point out any problem parts and suggestions please, as I would like to get this letter off tomorrow if possible.

 

 

img013.jpg

 

img014.jpg

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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img017.jpg

 

 

Please feel free to crucify it if you think it is that bad, but if you do then please suggest a proforma or something to replace it as I am not in the mood to let CapOne think they can pull a fast one over me..! they have picked the wrong person....

 

Cheers

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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