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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.   
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Lowells Customers- Put them on notice!!!


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Toulose you have confused me now. I read this earler from you which seems to contradict the above

 

 

Don't worry it is confusing I noticed Lowells Barrister was similarly confused in their representation so from the beginning here goes in plain english (so deliberately simplified).

 

Assignment- The lawful transfer of the burden, interest thereupon and any attached burdens of an account .

Assignor - The person selling the account.

Assignee - the person buying the account

Debtor- The person who is the subject of the account.

 

Deed of assignment- Legally binding contract selling account. Think of it as a receipt for a second hand car. Mr X sells to Mr Y.

Notice of assignment- just that a notice to the debtor that the account has been sold.

 

Important legality.

 

Although the assignor can sell the account to the assignee, the rights to title, benefit and burden on this account do not transfer until the sale is executed as an assignment which requires notice to be served upon the debtor.

 

Lets say Barclays sell an account to Lowells

 

So you see:

1) the assignment must be in writing under the hand of the assignor

The assignment is drawn up and must be signed by Barclays.

 

2) there must be an intention to assign

Barclays must intend to assign the account to Lowells.

 

3) the assignment must be communicated to the assignee by the assignor

Lowells must be given the deed of assignment by Barclays

 

4) 4) notice of the assignment must be given to the debtor

Barclays or Lowells must tell you the account has been sold.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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So I cannot suggest that we all issue litigation but I am of the opinion that correctly presented litigation on this point can not be challenged succesfully.

 

Can't do any harm to start a deluge of 'potential' claims though can it? To clog up their already inadequate admin system. ;)

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"No Valid NOA = No legal title to benefit or burdens of the assignment."

 

I read this as meaning it should be the OC that I chase for charges/interest.

 

Claim against Lowells purely for unlawful prosessing etc.

 

Quite correct that's what's in my original post on this thread.

 

No valid NOA has following implications.

 

OC still liable for set off or counterclaim.

OC in breach of DPA 1998 for allowing unauthorised usage of data controlled by them

DCA in breach of DPA 1998 for unlawfully processing data.

CRA's in breach in their capacity of Joint Data Controllers with both the OC offences and the DCA offences.

 

Does this underline why Lowells got the big guns out now??:D

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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This also explains what happened in neill1999 tussle with Lowells.

 

The OC in his case coughed up the readies

 

Lowells wrote off the alleged "debt"

 

Lowells removed neg data with CRAs

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/130138-capone-lowells-advice-needed.htm

Edited by noomill060
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Can't do any harm to start a deluge of 'potential' claims though can it? To clog up their already inadequate admin system. ;)

 

Not for me to say really fiftypence.....

 

But sure as hell it is for me to laugh at.:D:D

 

 

 

Ha Ha Ha bet Mr. Hunter wishes he'd settled out of Court now....

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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What about in the case of Novation?

 

It can only be novated with your co-operation ie. You have to agree to the sale and transfer of rights.

Anyone here been asked by Barclays if you would mind signing a form agreeing your account be sold to a Debt Collection Agency?

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Quite correct that's what's in my original post on this thread.

 

No valid NOA has following implications.

 

OC still liable for set off or counterclaim.

OC in breach of DPA 1998 for allowing unauthorised usage of data controlled by them

DCA in breach of DPA 1998 for unlawfully processing data.

CRA's in breach in their capacity of Joint Data Controllers with both the OC offences and the DCA offences.

 

Does this underline why Lowells got the big guns out now??:D

 

Bad form to quote oneself but I forgot one other important consideration.

 

 

The OC will have claimed tax relief from HMRC under the deed of sale.

Since the OC is still title holder of the account where no valid assignment has been effected in law this could mean some very serious implications for the original creditors in these cases.

They have claimed relief for a loss they have not made.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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The same thing was going through my mind.......:rolleyes:

 

 

Bad OCs.......claiming losses for debts made up of unlawful charges and interest unlawfully levied thereon.

 

In other words, "creating" debt where none lawfully exists and then benefiting from this unlawful action by claiming it as a genuine loss.

Edited by noomill060
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Bad form to quote oneself but I forgot one other important consideration.

 

 

The OC will have claimed tax relief from HMRC under the deed of sale.

Since the OC is still title holder of the account where no valid assignment has been effected in law this could mean some very serious implications for the original creditors in these cases.

They have claimed relief for a loss they have not made.

 

Exactly!

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Doesn't his open up a big black hole for all NOA's then, if I've read this correct, with two clear points, not sure if its good or bad though..

 

1) By sending a copy of a letter by normal post from the Assignor, along with a letter from themselves, - the Assignee, in the same letter they are not following procedure. In my case Lowells sent a letter from 'Abbey' and one from themselves in normal post to me - IF so, what can we do exactly, what it the point of law we argue and to what effect

 

2) Surely when we complain, they just reissue the NOA's properly? so we achieve a delay of a few days

 

or am I missing something?

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Doesn't his open up a big black hole for all NOA's then, if I've read this correct, with two clear points, not sure if its good or bad though..

 

1) By sending a copy of a letter by normal post from the Assignor, along with a letter from themselves, - the Assignee, in the same letter they are not following procedure. In my case Lowells sent a letter from 'Abbey' and one from themselves in normal post to me - IF so, what can we do exactly, what it the point of law we argue and to what effect

 

2) Surely when we complain, they just reissue the NOA's properly? so we achieve a delay of a few days

 

or am I missing something?

 

 

Paul, my understanding is, If they have defaulted you whilst not legalliy owning the debt, they are open to claims for damage under the data protection act, thats just for starters.

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Do I understand that you must receive a notice from the creditor that gave the loan, overdraft or whatever in the first place and that this must be by recorded delivery.

 

If so have many DCA's are hounding people without such notices being issued.

 

If this is the case would not that stop a DCA's hounding people with debts that do not exist.

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If this is the case would not that stop a DCA's hounding people with debts that do not exist.

 

"32.2.4. Assignment of debts

 

Assignment is a process whereby debts are sold on to another organisation, and is common practice within the industry.

For an assignment of a debt to be legally effective, it is necessary to assign both the rights and the responsibilities of the creditor under the agreement.

Partial assignment which, in effect, assigns the right to enforce but not the associated responsibilities will be invalid and will preclude the assignee from enforcing the debt.

There are two types of deed of assignment - equitable and absolute. The first assigns the right to pursue the debt to the assignee but not the obligation of the OC. The second assigns both the rights and obligations of the assignor to the assignee. However, in order for this to be legally binding you as the debtor would have to give your consent to such an assignment.

 

If the notice includes an amount demanded that is incorrect it renders the notice legally invalid (e.g. unlawful charges or DCA admin/collection charges).

Even if the amount doesn't include charges but is misstated it is still invalid.

If the date is incorrect it is legally invalid (i.e. does not tie in with the deed of assignment - the execution of assignment should be the same as the date shown on the notice).

The case that supports this is W.F.Harrison & Co Ltd v Burke [1956] 1 WLR 419"

 

 

 

Unashamedly stolen from a post by Rory32 many moons ago. I hope he will forgive me for my idleness by not doing the research myself. ;)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Lowells sent me a NOA for a credit card debt I had with HSBC (this is now done and dusted due to me winning SD set aside hearing), it was received via normal post.

 

I had been making payment for a few months then stopped after they defaulted after failing to supply my CCA.

 

The original default date was 2005 but as I had stopped making payments to them I am convinced they will have placed a fresh default on my credit file which will not drop off for another 5 years.

 

For obvious reasons I do not want to register to view my credit report, but would like to know if there is new default on there (which Lowell had no right to add), because if there is I will be making a claim for damages against them.

 

I am sure there are many others in the same position as me, is there a way to find out without giving all my current details to a CRA?

Edited by Alex_DeLarge
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Do I understand that you must receive a notice from the creditor that gave the loan, overdraft or whatever in the first place and that this must be by recorded delivery.

 

If so have many DCA's are hounding people without such notices being issued.

 

If this is the case would not that stop a DCA's hounding people with debts that do not exist.

 

 

The notice can come from either the original creditor or the debt collectionagency but if it is posted other than by recorded or registered delivery it is not pursuant to the requirements of Sec196(4) Law of Property Act 1925 and the assignment is not valid.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Thankyou Toulose very much indeedy!! Am subbing and will be rechecking all paperwork the next couple of days (Am assumming will apply to all DCA's Not Just Lowells, from what just read?).

 

Will definitely keep their 'in tray' full i would have thought for a while.

 

Many thanks again, Take care, Mpols x

Edited by mysticpols06
ps. Hi guests :-) Come on in, the water's lovely ^-^

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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The notice can come from either the original creditor or the debt collectionagency but if it is posted other than by recorded or registered delivery it is not pursuant to the requirements of Sec196(4) Law of Property Act 1925 and the assignment is not valid.

 

If you admit to a DCA getting a Notice of Assignment by ordinary post would this not then 'rectify' the service

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