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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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      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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CABOT and goldfish debt


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I have one thought about the PPI - I take it this was done in store, or at least with a representative present and taking you through it all?

 

If so, there are crosses where you need to sign. The cross should not be by PPI unless you have specifically asked for it, otherwise it suggests you need to sign 'here, here and here', so to speak.

 

Also, I'm not remotely expert with PPI, but I didn't think they could include the PPI in with the initial credit? Don't do anything of the back of me thinking that though, wait until someone who knows confirms or rejects the thought!

Time flies like an arrow...

Fruit flies like a banana.

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I KNOW - 29.8%!! am not proud of this situation - doesnt make me look like the sharpest tool in the box!!

 

I intented to pay the full amount off at the end of the one year interest free period so wasnt too bothered about the rates etc - thought i wouldnt be paying them! But missed the deadline to pay because i stupidly thought they may remind you - lol. rang a week later and was told computer says no - u must now pay us a ridiculous amount for your sofa!! the rest is history.

 

i agree i was mis sold ppi but havent a clue how i would go abuot proving that when i've signed for it - what makes you say the agreement is unenforceable? do you just mean the PPI bit? I had a CCJ due to this debt so the court has seen paperwork etc for that...

 

is the PPI all that is wrong with it? can i claim back any of the overpaid interest? And would i have to do both parts separately?

 

all help much appreciated as always!

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aagggh - Cabot are a nightmare.

 

I have checked my credit file today and they are still processing late payment info to my credit file - on an account they have advised me is on hold because they cant find the cca! i have written them two letter stating they are NOT to process my data and they are ignoring these. not only have they not removed the incorrect data but they are adding more. this is now showing as 4 payments late and will soon default. AM NOT HAPPY. i know they cannot process this data but they seem to be ignoring this fact and doing it anyway. does anyone have a good threatening letter? Or who should i report this to - which organisation?

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"Please note; this is a formal complaint of breach of the Data Protection Act 1998. Ignoring this letter will result in further action being taken.

 

I refer to your letter of 8th December 2008, in which you confirm that you have been unable to supply a true copy of the original Consumer Credit Agreement for the above account, and as it is unenforceable by law you have placed the account on hold. You confirmed that you are still unable to supply the requested information and the account remains on hold with letters dated 17th December 2008 & 31st December 2008.

 

On 12th December 2008 I sent a letter of statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. A copy of this letter is enclosed for ease of reference and was sent recorded delivery. This letter was ignored by Cabot so a further letter was sent recorded delivery on 6th January 2009 (also enclosed), reiterating that you are obliged to remove all adverse information from my credit file until such a time that you can substantiate it with a true copy of the CCA.

 

Not only have you ignored these requests but upon checking my credit file I see you are still processing new data to my credit file – stating I am in arrears (last update 4th January 2009).

 

As you have confirmed by writing on numerous occasions that the account is on hold as you do not hold an enforceable agreement – the processing of this information is in breach of “The Data Protection Act 1998” and if it is not amended within 7 days I will be making a formal complaint to the Information Commissioners Office and other such regulatory authorities as I see fit.

 

Please respond in writing to confirm the removal of this adverse data within 7 days of receipt of this letter

 

what do you think? I feel like im just writing threatenening letter after threatening letter without getting anywehre!

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I would amend it a little and say that you are sending this and the other letters to OFT etc, Theyve had plenty of warning .

The CRA's say that their clients must sign up to their code of conduct, so hit em hard and loooong

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thanks bazaar - i have amended the final paragraph to include this. i have also found relevant complaint form on ICO website which i will send off next week if i havent heard from them.

 

bloomin cheak of cabot !

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  • 5 weeks later...

OOh I hate Cabot.

 

This particular debt with them was put on hold in Dec as they were unable to supply a CCA. As a "good will" gesture the account was put on hold!!

 

However, they are still processing info to my credit file. they have said i missed a payment in Jan & feb (how when the account is on hold i ask), and soon will add a default to my file - as all my debt problems are historic this will put me back 3 years and I am absolutely gutted.

 

i sent letters to them on the 12th dec, 6th jan & finally and then finally this letter on the 28th jan -

 

"Please note; this is a formal complaint of breach of the Data Protection Act 1998. Ignoring this letter will result in further action being taken. I refer to your letter of 8th December 2008, in which you confirm that you have been unable to supply a true copy of the original Consumer Credit Agreement for the above account, and as it is unenforceable by law you have placed the account on hold. You confirmed that you are still unable to supply the requested information and the account remains on hold with letters dated 17th December 2008 & 31st December 2008. On 12th December 2008 I sent a letter of statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. A copy of this letter is enclosed for ease of reference and was sent recorded delivery. This letter was ignored by Cabot so a further letter was sent recorded delivery on 6th January 2009 (also enclosed), reiterating that you are obliged to remove all adverse information from my credit file until such a time that you can substantiate it with a true copy of the CCA. Not only have you ignored these requests but upon checking my credit file I see you are still processing new data to my credit file – stating I am in arrears (last update 4th January 2009). As you have confirmed by writing on numerous occasions that the account is on hold as you do not hold an enforceable agreement – the processing of this information is in breach of “The Data Protection Act 1998”. If it is not amended within 7 days I will be making a formal complaint to the Information Commissioners Office and forwarding all correspondence to the Office of Fair Trading & Banking Ombudsman. Please respond in writing to confirm the removal of this adverse data within 7 days of receipt of this letter."

 

I finally received a response which i will post below...

Edited by bergebabe
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I'm a little confused. (nothing unusual for me :))

 

Did your original creditor not default you? If they did Cabot can't re-default you.

While the account is in default. they can't do diddly squat to your credit file.

I would get on to the Information Commissioner, Trading standards, OFT, your MP: Uncle Tom Cobley and all.

If you haven't done so, Complain to Cabot

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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cabot100209amdn.jpg

 

now their info is a little confused, they say they bought the debt, then say they arent obligated to provide the info as they dont own the debt.

 

i have placed a complaint with the ICO but am yet to hear anything and when i rang them they said it could take some time - in the mean time my credit file is getting graffitied by cabot. should i make any other complaints and should i acknowledge and respond to this letter from cabot?

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the original lender didnt default me as i always paid on an arrangement (for 3 years) and they were nic (er) than some of the other lenders!!

 

cabot started adding missed payments as soon as the "bought" the debt.

 

surely this is a contradiction - if they didnt own the debt would the be able to supply info to my credit file anyway?

 

sorry lickthewall - i dont understand!!!

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They say they can process your data because you singed an agreement. Ok then, prove it. This is the same agreement they haven't got so how can they have your permission.

They will say that as you have used the credit facilities then you agree that you are in a contract.

 

Did you receive a default notice from Goldfish or a Notice of Assignment from Cabot?

 

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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Typical rubbish, they are harping on that they entitled to process your data because you signed a credit agreement, yet the cannot back up that statement by producing it. It is simple no CCA = no agreement = no right to process your data simply because they have no written authorisation from you to do so.

 

I think a complaint to TS, the OFT & the Information Commissioner is in order stating the the above & also their misinformation in regards to who owns this alleged debt.

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i dont recall a notice of assignment but it may have been binned - as it would have been before i became vigilant and filed everything. i do have a default notice from cabot - well i think it is, its actually a notice of arrears which states it could lead to a default (this followed about a week after they had accepted my payments for an arrangement - the amount i had been paying direct to goldfish for 3 years).

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Cabot can take over the default but they can't put a second one on your file

 

I would be putting Cabot to strict proof that the NOA was served.

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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the original lender didnt default me as i always paid on an arrangement (for 3 years) and they were nic (er) than some of the other lenders!!

 

cabot started adding missed payments as soon as the "bought" the debt.

 

surely this is a contradiction - if they didnt own the debt would the be able to supply info to my credit file anyway?

 

sorry lickthewall - i dont understand!!!

 

sorry bergebabe

 

I was wondering how it would be possible to access your CRA files without having a new raft of DCA's landing through the letterbox

 

as we all know,the CRA's and the DCA's are all the one sow's litter,to use an Ulsterism

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this whole thing is SOO frustrating - why does it take the ICO over a month to look into something thats clearly cut and dry.

 

i am going to add the other two organisations to my complaint list today - but should i send another letter to cabot in response to theirs and telling them i have made the complaints or just leave it and wait for them to hear from the organisations i have complained to? i dont want to give them an unnecessary heads up if it is going to help them in any way but also i would rather they just sorted it off their own back - much simpler!!

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  • 7 months later...

Hi all - long time no post!!

 

about a year ago, with lots of help from you guys, i wrote to cabot requesting a CCA for two separate debts.

 

they were unable to produce these and put both debt "on hold"

 

the larger of the two for goldfish, although they were unable to chase me for payments and the account was "on hold" they were (and still are) processing late payment info to my credit file.

 

Now they have decided to start chasing for the money again! they still havent sent through a copy of the CCA, or even attempted to pass anything off as one. They are just choosing to ignore the fact that they put the account on hol dand start chasing me again!!

 

i got a letter at the beginning of sept and an identical one today - should i be ignoring this or replying? i dont want hassle letters noce a month!!

 

here it is...

Edited by bergebabe
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