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    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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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Capital Finance One/Payday Credit - Anyone else used them? -


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Does anyone know when I will get the money?

 

I applied yesterday and got a confirmation email saying I had been accepted and the money would be realeased last night.

 

I am with the Halifax bank but I as yet cannot see the funds. Have tried phoning/emailing and had no reply and now after reading some posts on here worried that I've made a mistake

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evie it takes upto 3 days to clear but do make sure you can afford to repay in full then don t go back. They are awful to deal with and the worst of pay day loan companies even in genuine hardship or serious ill health....heart of stone springs to mind.

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evie it takes upto 3 days to clear but do make sure you can afford to repay in full then don t go back. They are awful to deal with and the worst of pay day loan companies even in genuine hardship or serious ill health....heart of stone springs to mind.

 

Thanks Jellycubes I can afford to pay in full but its been 48hours and I have still not received any money?

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well, after 4 months of not hearing from this joke of a company, i finally get an email but sent to my brothers email address!!!! - i replied wadvisisng i do not acknowledge the debt and that i will be speaking to the ombudsman and trading standards aswell as the OFT. Blatant abuse of DPA aswell!!

 

 

 

 

As I am sure you are aware your Payday Loan with Capital Finance One is in serious arrears.

It is with this in mind that I propose the following offer in order to assist you in clearing the balance of your loan.

If you are able to clear your balance in full before Friday the 16th July, I am willing to offer you a discount of 20%. For you, this will mean that a large proportion of the interest and fees that have accumulated will be written off.

Your Account

 

If you are unable to clear your balance in full but would like to address this outstanding account, please do contact me on 0208 506 5780 to discuss this further. Alternatively please email me on [email protected].

Important: Please note that this is my final attempt to contact you before your account will be passed, with all fees attached; to a third party collection agency who will apply their own fees and personally visit your home to reclaim the balance.

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help me please!

 

 

So like evie i was accepted on thursday and apparently the email stated on thursday morning at 11am that the funds would be released that evening and to allow up to 48 hours for them to clear.

 

Im currently with santander who should offer faster payments via bacs etc does anyone know for sure if this will clear tomarrow

 

EVIE did your funds clear on the saturday?

 

HELP HELP HELP!

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  • 2 weeks later...

hi can anyone help or advise please ?i have had 2 loans with cfo and cannot pay my second one back due to having been on the sick from my job unpaid ,i know i was stuoid to get loan in the first place but its done now,i have emailed them 10 times in total to advise i would like to set up a payplan and guess what no reply ,also my calls go unanswered ,i decided to email them last night and advise them about a change to my card details they replied saying that they dont offer extensions and i would default etc etc also i must pay in full to avoid calls to my home and work number ,i have cancelled my card with my bank but now dont know what to do if they will not allow me to set up a payment plan also i dont realy want to give them my new card details due to horror stories that ive read on here ,it will put my job at risk if i continue to recieve personal calls from them and i am terrified they are going to take money from my cancelled card ,can they do this? not that i will have any funds avail anyway ,please can you advise me what to do next ? many thanks

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Shoequeen, they are very very difficult to deal with but do do repayment plans when they know they cant get any money. When did you default and are they chasrging you 10 pounds per day ? need some more info to help. i ve experience of the vultures and hope i can help

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I also managed to set up a plan with cfo - £50 for 6 months. I literally sent them an e-mail every single day with the same content with the number in the header, 1st e-mail, 10th e-mail etc etc

 

They finally got fed up and sent me an e-mail back agreeing to the plan and gave me their bank details.

 

Stay strong!

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thanks for that ,i hant defaulted yet but i will be on friday ,they just ignore my emails ,i am concerned that they can still take money from my account even though i have cancelled my card ? i have read about them doing that on here ,if i call i get no answer ,so is the best option to try and get and get there bank details? thanks for any advice :mad:

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I have the bank details but trust me you will get them too on the first day you miss a payment. The advice on emailing them till they respond is best. This is what i did and got to 22nd email lol before they agreed. Did you report your card as stolen/lost ? If so your safe. To be extra sure if you have online banking open savings account online, you will get an account number straight away. Stay up on night of wages and move the money pronto. They wont talk to you till payment fails. Keep posting. They rarely answer the phone but keep emailing as this proves you tried to contact. Keep calm, you will get through this ;)

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many thanks feel better already i have just opened the savings account through on line banking ,and yes i reported my card as lost so have got a new one ,i have just sent them another email asking for there account details i just hope they dont start bombarding me at work with calls as i could get into trouble for this ,i am not allowed personal calls as work in a busy office and everyone would hear my converstaion with them.i wish they wold just go bust or something there customer service skills are awful.thanks so much for advice will re post on friday after i default

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You ve done the right thing by setting up that savings account online, as soon as money goes in transfer, stay up till done....worth the late night ;) They wont talk to you till its defaults so save your energy. They will call your home and mobile----answer the calls and this will stop them chasing you at work. Dont panic ! you will be at the otherside of this sooner than you think and then using your experience as i do to help others x

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Hello I would just like to say I took a £90 loan with this company last month and after reading reviews was worried. It did take 4 days to get my money to my bank but altho they are hard to get a hold of on the phone (was phoning to see when I would receive funds) I actually dont have any complaints with how my loan has been dealt with.

As payday loan companies go they are not the best as they take longer than most and are hard to get hold of if you have a query but since I got the loan I want and paid it back on date due they are not as bad as some people make out.

 

My advice would be if you cannot afford to pay it back on the date do not take the loan. This is how the extra charges incur.

 

I have paid mine back and I am satistisfied with the service

 

Hope this helps! :)

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It took four days to get my money which I have now fully repaid.

I know you will probably have your money by now but hope this helps if you havent

 

help me please!

 

 

So like evie i was accepted on thursday and apparently the email stated on thursday morning at 11am that the funds would be released that evening and to allow up to 48 hours for them to clear.

 

Im currently with santander who should offer faster payments via bacs etc does anyone know for sure if this will clear tomarrow

 

EVIE did your funds clear on the saturday?

 

HELP HELP HELP!

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Vya, all payday loan companies are good if you repay. However life does not always work out that way and events can lead to being unable to repay. It is at this point that the trouble begins. Whilst some companies will be sympathetic others a far from. Unfortunately this is one of the worst. No one can predict hard times, ill health or a loss of a loved one. To all out there avoid with a barge pole...payday loans are to be avoided

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I understand people may have circumstances where they cannot pay but some people I believe do take them out knowing they cannot afford to repay them or will struggle to. I am agreeing if this is the case to avoid payday loans.

 

Just wanted to share my own experience with this company to say if you are desperate for the money and can afford to pay it back then I have had a satifastory loan and hope other people get the service they need.

 

Vya, all payday loan companies are good if you repay. However life does not always work out that way and events can lead to being unable to repay. It is at this point that the trouble begins. Whilst some companies will be sympathetic others a far from. Unfortunately this is one of the worst. No one can predict hard times, ill health or a loss of a loved one. To all out there avoid with a barge pole...payday loans are to be avoided
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I and others will help you through negotiations and you can pm me and i will always get back to you if you need help with figures etc. :D

many thanks jelly cubes ,they have sent me 5 emails and texts today to tell me they are adding £75 fine to my account? i emailed back again with the header 9th email ,they then called me at work but nit until after lunch ,i advised that i had emailed them ,the guy advised they have not recieved them any of them conveniently and asked me to resend said he woud give me an alternative email address (the same one ) ,them abrubtly hung up before i chance to respond,i will again email them and keep strong i just need to find a way to stop them ringing me at work ,i dont seem to be at home when they ring me as its always during office hours ,do they work weekends? i will keep you updated .

also in reponse to some other posts on here i took the loan out when i certainly could afford to pay it ,it wasnt until i was off work sick that i then couldnt pay the loan as i dont get paid.i have learnt my lesson from this ,unfortunatlet i wasnt un the position to ask family to loan me instead i had no idea what i was getting involved in with fco and wish i had read these posts first ,my advice to any one else is dont use them.thanks again for your help jellycubs i will sleep tonight

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Hi

 

the same has happen to me today with CFO ! I have a agreement sorted out esterday with via e-mail and today their keep texing me to phone them and I have up to 5 o clock otherwise £75 fine will be added but as I told them in a e-mail back to them was that the first payment does not start till 2nd aug 2010 of the repayment plan !!!!!

 

I am sticking to my guns and going to pay them what we agreed yesterday per month and that is all ! their gave me their bank detail etc ! but today no answer to my e-mails !

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They still send the same old emails even when on a payment arrangement. Do not get involved with them if you need a loan ask family or friends. I see what you are saying vya but no one can predict ill health or loss in the family so try every other avenue first as they are in my experience unhelpful and non sympathetic and its terrible stress. DONT DO IT FOLKS

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This company has taken out £560 from my account last month, they said that I took a loan out with them in April this year, Which I did not, so I have spoken to this Barry guy last week and he advised I send over bank statements to prove that I didn't get a loan which I have, and I have now been trying to get in touch with them all week on three different numbers 08432164323,02095065798 and 08456856157 and I have email two different email addressed, with nothing back at all.

 

Barry said it would have to get passed to his accounts and they would be in touch, I was left with no money in the bank last month with two kids at home on my own,

 

This company is a complete joke, very unproffessional,

 

I still have not receievd any refund on my £280.

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