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    • Please see my witness statement below.  Please let me know what modifications I need to apply.  I haven't included anything related to "administrative charge while paying by credit or debit card" as I wasn't sure if I should include since sign says "it may apply"   Background  1.1 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.    Contract  2.1 No Locus Standi, 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 PoFA (Protection of Freedoms Act) 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.  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.    Unfair PCN  4.1         As stipulated in Exhibit 1 (Pages 7-13) sent by DCB Legal following the defendant’s CPR request the signage displayed in their evidence clearly shows £60.00 parking charge notice and will be reduced to £30 if paid within 14 days of issue. The defendant puts it to the claimant a request for strict proof when the signage changed to show £100.00 parking charge as the evidence provided by DCB Legal stipulated £60.00 parking charge was indeed the parking charge at the time defendant parked and included in Exhibit 1   4.3        The Claimant did not respect PAPLOC   4.4        It is also unfair to delay litigation for so long and claim nearly four years' interest.    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 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;      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.  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.    Double Recovery  7.1        As well as the original £100 parking charge and £50 allowed court/legal costs, the Claimant seeks recovery of an additional £70.  7.2        PoFA Schedule 4, paragraph 4(5) states that “the maximum sum which may be recovered from the keeper is the amount specified in the notice to keeper”. Which in this case is £100.  7.3        The Parking (Code of Practice) Act 2019 is also quite clear that the maximum amount recoverable is £100.  Government ministers and government web pages explaining the Act refer to extra charges as "a rip off".  7.4        Unless the Claimant can clearly demonstrate how these alleged additional costs have been incurred this would appear to be an attempt at double recovery.  7.5        Previous parking charge cases have found that the parking charge itself is at a level to include the costs of recovery i.e. Parking Eye Ltd vs Beavis (2015) UKSC 67 which is the authority for recovery of the parking charge itself and no more, since the sum £85 was held to already incorporate the costs of an automated private parking business model and the Supreme Court Judges held that a parking firm not in possession cannot plead any part of their case in damages. It is indisputable that an alleged “parking charge” penalty is a sum which the Supreme Court found is already inflated to more than comfortably cover all costs. The case provides a finding of fact by way of precedent, that the £85 (or up to a Trade Body ceiling of £100 depending on the parking firm) covers the costs of all the letters. 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.”  7.6        In Claim numbers F0DP806M and F0DP201T, Britannia vs Crosby the courts went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of Wight & Wiltshire. District Judge Taylor echoed earlier General Judgement 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 judgement in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for a addi8onal 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        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).  7.9        The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the CPRs, the Beavis case, the PoFA AND THE CRA 2015, and that relief from sanctions should be refused.    In Conclusion  8.1        I believe the Claimant has got use to intimidation tactics and has got greedy. I believe the truth of the manor is the Claimant has used bullying tactics successfully for too long and is therefore assured that innocent drivers will fall into the trap of paying rather than going through the hours it takes to defend themselves. In the process, wasting the time of the Court, the time of the Defendant and everyone else who has advised the Defendant, out of sheer decency to help have a fair hearing and see justice delivered.  8.2        I am still in disbelief that I am being heard in this court, defending myself nearly 4 years after receiving a charge through my door. I have had to spend weeks’ worth of my life studying the letter of the law in order to defend myself from this ridiculous attempt at a swindle.  8.3        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. 
    • 'I thought why don’t we give it a try?' said student Swapnil Shrivastav, after inspiration struck during water rations.View the full article
    • honestly he/she just makes these ppc look so stupid everytime   fairplay lfi
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    • First, the Entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract. so it only  is an offer to treat.  Second, the sign does say % hours free without mentioning that it is also the maximum time one can stay. it would be logical to presume that there would be a fee for staying longer-but not £100. Looking at the PCN-as usual it does not comply with the protection of freedoms Act 2012 Schedule 4. First it does not specify the parking period since their figure includes driving from the entrance to the parking space, then later driving from the driving space to the exit. Second it does not inform the keeper that the driver is expected to pay the charge Section 9 [2]] (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; What that means is that you as keeper are no longer liable to pay the charge-only the driver is. As anyone with a valid insurance can drive your car they will have difficulty proving who was driving especially as you haven't appealed. In addition the Courts should your case get that far, do not accept that the driver and the keeper ae the same person. So just relax and ignore all their threats even from their unregulated debt collectors and sixth rate solicitors.  Just do not ignore a Letter of Claim if you get one of those-come back to us so that you can send a snotty letter.
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me vs cabot can anyone advise me


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I wondered when I would get my next bit of happy post from cabot and here it is. They never bothered to reply to my last 2 letters but I feel well let them take it to court and see once and for all. What i am wondering now is should I reply to the letter from Morgan or just wait and let it go to court?(i dont really want them to know what my defence will be i.e them agreeing to suspend adding interest then reaplying it without informing me so the debt was growing and growing in the 9 years I was paying.

 

Also I visited cab and they have suggested i should consider going bankrupt as it will take another 77 years for me to repay the shortful from the sale of the property(this would also solve the cabot dilema) If I did go to court and lose the case againts cabot and decided the only option to be would to go down that road would cabot still have a claim after I have been discharged? any thoughts or sugestions would be really appreciated.

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Send them this;

 

 

Dear Sirs

 

I refer to your letter of XXXXX 2009 which was received today.

 

Frankly, I am surprised of the need to advise a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); dated XXXX 2009 for which I have proof of receipt . I can only assume therefore that they failed to inform you of their non compliance. Your client had until (date - 12+2 working days from date of sending CCA request) to comply with a legal request.

 

Should your client persist with threats of legal action as stated in your letter, I will welcome the opportunity for a judge to look at several defaults committed by xxxx under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for, both the banking code and OFT guidelines.

 

Also please note that I will ONLY communicate in writing, any calls made to me will be classed as harrassment and treated as such.

 

Yours faithfully

Print name do not sign

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Excellent letter C., stay strong Sticky, doubt they would want to go near court with this one anyway as I'm sure the court would take a dim view of their antics. Have you done the Subject Access Request as well, you need to get as much evidence of their behaviour as possible. That CAB advice is very negative and not helpful.

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Thanks for the reply cerberusalert and miss muppet it is very much appreciated. Cabot have already supplied me with a copy of the cca be it later than the time frame so i will send the letter anyway. I havent done a SAR yet but will do so now. Do I send this to cabot or morgan?

 

One thing I forgot to mention in my first post was when this first came to light and i requested a full statement of account cabot took it upon themselves to reduce the interest rate then back date it from when they under cabot took it over so the statement looks like they have only ever charged the account at 5%, is this normal practice as i would have thought it would have to be shown as an adjustment as it is changing the account history?

 

thanks again

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Sorry Sticky, only just got back to this, sure you will have worked this out for yourself by now, send the request to Cabot who can forward it to the original creditor which should make things nice and difficult for them - they have 40 days to comply and then you can make a complaint to ICO if they don't. They are not a lot of use but if it goes to court, it shows that you have gone down all the necessary avenues. Good luck, keep us posted.

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  • 4 weeks later...

Have sent a SAR about 2 weeks ago and this was acknowledged by cabot so the clock is ticking on this one. In the meantime i have applied to eqifax to view my credit record and was surprised that there is no mention of cabot on it or even the original lender? my question is would all credit agencys have the same information or is it best to apply to all of them i.e experian?

 

I must add this site is amazing and a credit to all the ppl who keep it running :)

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Blimey cerberusalert that was a quick reply dont know about the AA but u must be the 1st emergency service lol. Thanks 4 that i appreciate it, nice to know my new friend crapot are not putting nasty things about me on a disputed account. Wow maybe they are playing fair and we have got em all wrong???? Not!!!! lol

Thanks again:)

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  • 3 weeks later...

I have recieved a big parcel in response to my SAR request and am going through it slowly. What I have noticed so far is that there is no copies of assingment notices and no default notices, should they have given copies of these under the SAR request? The big thing that I have noticed is they have sent me a statement of account from morley which clearly shows that interest was not being applied to the account and another one from themselves which contradicts this and shows interest being applied. Where should I go from here without giving the buggers to much info on the cards I hold?

ooooo another thing they have also sent me documents relating to 2 other acounts they hold on other people, very sloppy of them i think prehaps I should try and trace these peoiple and tell then how I got hold of their infomation lol:D

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ooooo another thing they have also sent me documents relating to 2 other acounts they hold on other people, very sloppy of them i think prehaps I should try and trace these peoiple and tell then how I got hold of their infomation lol

Oh dear oh dear another one for the ICO to get their teeth into https://www.ico.gov.uk/Global/contact_us.aspx

 

Make a complaint to the ICO & try & contact the other people to get them to do the same. Also invite them here to join the party. :D

 

Then sit back & wait for the brown stuff to hit the fan. ;)

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Hi cerberusalert and Rhia thanks for the reply. Yes I will report this to the ICO.:D I have gone through everything in the sar and there are no default notices(thats because i always paid what was agreed with morley and cabot) and also no copies of notice of assingment so I am about to write to them and point this out and request they send them. I have put copies of statements they sent me on to this post which clearly shows what I have said all along that the figures dont add up i.e balance of sale on sar1 and statement on sar4 any pointers or comments will be most appreciated:)

 

 

sar01

 

sar02

 

sar03

 

sar04

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Now I might have got this muddled but looking just at the docs (haven't gone back over the thread) Cabot or Morley or whatever they call themselves are adding interest up to present date but you last made payment in 01. Is this correct? If this is so the debt is statute barred so always make sure you state you do not acknowledge it.

They have a few problems too in that Cabot and Morley are the same company so they sold you a loan/mortgage to repay the laon to themselves and this starts getting into the realms of Unfair terms etc.

Sorry I am a bit rushed but if you could clarify this it would help.

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Hi Rhia

sorry if i confused you. I stopped paying this account in december last year as i believed i had payed the account of in full. Morley accepted reduced payments in 1998 of £5 a month with no interest being added this was increased to £30 a month at a later stage also with no intersest being charged. Cabot took the account over in july 2006 under the same agreement with a view to reviewing it every year which they never did so i just carried on paying.

 

The link in sar2 shows the last payment under morley 06/08/01 balance £3130.91.

In link on sar3 (which is cabot statement) the balance for the same date shows £5093.29

 

Also in link sar1(cabot sar reply) it says they brought the account on 11th july 2006 with a balance at sale £3130.91 yet on their statement (sar4) it shows a balance of £6289.93 on the same date.

 

Hope this has made it a bit clearer. I haven`t pointed this out to cabot as i would rather a judge see this as it and not let the cabot maggots try and wriggle out.

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Yes I see where you're coming from. I couldn't read the "agreement" properly so if there's any way of bumping this up I think you'll get more response.

 

They have quite a lot of explaining to do as to how such a debt could literally double overnight.

 

I suspect there are a number of angles we can look at here and I still think we may get back to the agreement between Cabot and Morely who are just another one of their companies under the Cabot umbrella as a search of Companies House will reveal.

I suggest you take a look at the OFT's guidelines on Fair Practice (on their website). Getting debtors to take out a secured loan to pay off a loan is a huge no no. Add to this the fact that Cabot and Morely are brother and sister and I think you have a case.

Have you presented this to Trading Standards? I would give it a shot but be prepared to keep pushing them.

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  • 1 month later...

cabot080709.jpg

 

I sent cabot the above letter on the 8th July which royal mail confirms was signed for on the 9th July but i havent heard a dicky bird in way of a reply from them. Should I follow it up with a reminder or just wait for their next move? I cant stand it when they go quiet lol.

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Ahhh! It's the silences that are the most challenging. You feel you need to do something. However, as it is now a month and you have had no reply write to them and simply say.

 

I refer to my letter dated XXX which, according to Royal Mail records was delivered safely to your offices on XXX. As of today I have not had the courtesy of a reply and I wish to make an official complaint about your lack of response.

 

I attach the original letter for reference. If you fail to reply within 14 days I will report this matter to Trading Standards and the OFT. Send it signed for.

 

See if that flushes out the rabbit from its hole.

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  • 2 months later...

cabot211009.jpg

 

 

Have had this reply back from cabot. Before I fire back a reply can anyone advise me if what they say is true regarding the Assignment? As Nationwide Credit corp. was the original lender and not morley I should imagine they still need to supply one.

 

Not sure what agreement they are talking about but the original one was for 300 monthly payments from 1988 which dosent make it expired yet should I send them an Abacus with my reply:D

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