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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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direct auto financial/hillesden securities


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i my name is lisa and i'm really soory to ask but i can't seem to see were i'm to post this

Here is my problem Me and my husband got a car with them inAug 2005 we was paying 219.30 a month to them!

Wel in april 2007 we decided to hand the car back to them because we was sick of all the problem we have had with the car and we wanted a different car so we rang DAF and wrote to them and we was told we didnt own them penny after what the car got at acution, so we was fine by that untill 1st feb we got a letter off them, well shall i say Hillesden Securities Saying we owned them £2339.08 so i rang them and said i didn't own them a single penny and they was like you do own us it's the PPI you own!

So i sent a letter off asking for a CCA which i got back and in the small print it say if i have paid £4505.33 i didnt own them a penny so i rang them back and told them this and the women on the women was very nice to me and she said her self she didnt understand it because on the SOA it show i have paid £5225.60 which is more then the half way mark so she said she would put the account on hold till DAF had got to them saying why i owned them this money.

well i rang them today and the person i spoke to was so nasty to me saying she had the contact in front of her and because we handed the car back at 22months we had broken the contact so it didnt matter if we had paid more then the half way mark we hadnt waited till the half way mark which was 24months so as we handed the car back at 22months we had broke the contact! the half way mark for the car is £3275.30 and the half way mark for the PPI is £1230.63 which comes to £4505.33.When we got the car we was told if we didnt take the PPI we couldnt have the car and at that point we needed the car so we had to take it, i know now that we didnt have to take it! but it's to late now! Also the women on the phone said to day if i could pay £1800 she would close the account down because she didnt want to put a county court jugment agaist my name or have to make me go to court! so she has gave me to friday 13th march to get £1800 together! i really don't know what to do, my husband is away on tour for the next 6months and im on my own with to young kids one 3years old and tamara 5months i dont want baillift turning up at my door! i have showen my friend the contact and she has said it's in black and white i dont own them a penny but they won't listen to it! if anyone can please give some advice about this id be so happy!

Edited by lmerrikin8
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there is a website that deals exclusively with daf and the problems associated with being told that you cannot have the car without the ppi

I dont have the website to hand but if you google yes car credit it should pop up I must admit they were extremely helpful to myself resulting in the dca caving in and admitting that I didnt owe anything

also there are many admirable people here who will only be two happy to help out, the first thing to do is not too panic, there is a way of defending these claims for unwanted ppi and remember there were thousands of people who were conned by daf into buying this useless insurance which wasnt actually even fit for purpose if I remember correctly

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i my name is lisa and i'm really soory to ask but i can't seem to see were i'm to post this

Here is my problem Me and my husband got a car with them inAug 2005 we was paying 219.30 a month to them!

Wel in april 2007 we decided to hand the car back to them because we was sick of all the problem we have had with the car and we wanted a different car so we rang DAF and wrote to them and we was told we didnt own them penny after what the car got at acution, so we was fine by that untill 1st feb we got a letter off them, well shall i say Hillesden Securities Saying we owned them £2339.08 so i rang them and said i didn't own them a single penny and they was like you do own us it's the PPI you own!

So i sent a letter off asking for a CCA which i got back and in the small print it say if i have paid £4505.33 i didnt own them a penny so i rang them back and told them this and the women on the women was very nice to me and she said her self she didnt understand it because on the SOA it show i have paid £5225.60 which is more then the half way mark so she said she would put the account on hold till DAF had got to them saying why i owned them this money.

well i rang them today and the person i spoke to was so nasty to me saying she had the contact in front of her and because we handed the car back at 22months we had broken the contact so it didnt matter if we had paid more then the half way mark we hadnt waited till the half way mark which was 24months so as we handed the car back at 22months we had broke the contact! the half way mark for the car is £3275.30 and the half way mark for the PPI is £1230.63 which comes to £4505.33.When we got the car we was told if we didnt take the PPI we couldnt have the car and at that point we needed the car so we had to take it, i know now that we didnt have to take it! but it's to late now! Also the women on the phone said to day if i could pay £1800 she would close the account down because she didnt want to put a county court jugment agaist my name or have to make me go to court! so she has gave me to friday 13th march to get £1800 together! i really don't know what to do, my husband is away on tour for the next 6months and im on my own with to young kids one 3years old and tamara 5months i dont want baillift turning up at my door! i have showen my friend the contact and she has said it's in black and white i dont own them a penny but they won't listen to it! if anyone can please give some advice about this id be so happy! my email address is [email protected]

Hi Lisa :)

debt4get is right, you'll get lots of help. Main thing is, don't speak to them on the phone again. Everything must be in writing only. :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Hi Lisa.

 

First, don't post your email address. Not a good idea ;). You can edit your post and delete it by using the edit button at the bottom right of your post.

 

From what I know about HP agreements, I think you can hand the car back without penalty once you have paid 1/3rd of the amount.

 

If they're chasing you for PPI, I don't think they can charge you for the full amount, as you no longer have the car to be paying PPI on.

 

Also it's likely you can reclaim the PPI as missold, as long as you haven't actually claimed on it.

If they told you, you couldn't have the car without it, then they missold it to you. And with a bit of effort and help from CAG members, you should be able to get the PPI refunded in full.

 

Don't worry about a CCJ at this stage. They have to take you to court to get one of those. Also a bailiff only comes into the situation once you have a CCJ and default on the payments on that.

 

Follow the advice that people on here give you.

You've come to the right place, as Consumer Action Group members have a lot of experience of things like this, and we'll help you through every step of the way.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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May 13th 2008

 

CONSUMERS SAY NO TO YES CAR CREDIT

 

Consumers could be saying ‘no’ to credit agreements thanks to a leading North West law firm.

Stephensons Solicitors LLP has just successfully reached an out of court settlement for its client whose home was at risk, after a financing company which bought some of the debts of Yes Car Credit, took them to court to recover a car loan.

Mr and Mrs Griffiths-Peet from Ashton-in-Makerfield, Greater Manchester, had taken out a credit agreement with Yes Car Credit to finance the purchase of a new car, a Rover, in 2003. The couple’s debt was taken on by MIM Servicing LLC, who then sought to reclaim the remaining £6,174.52 by obtaining a county court judgment against them. This judgment was secured on their home, meaning it could be at risk of repossession.

However, at the time of taking out the finance, the Griffiths-Peets also took out payment protection insurance. They were told this was not optional, and this should have been added to their bill as a separate charge for credit. However, in the Yes Car Credit agreement, it was not. This meant the credit was mis-stated and the agreement was irredeemably unenforceable.

Andrew Leakey, managing partner of Stephensons consumer department, said: “There were discrepancies with Mr and Mrs Griffiths-Peet’s agreement which meant it was ultimately unenforceable and we’re pleased to say the loan has now been written off, with MIM Servicing paying our clients’ legal fees. Most importantly, a family’s home has been saved.

“This is unfortunately just the tip of the iceberg. There are potentially hundreds of people out there who have taken out car credit agreements which could be unenforceable. This case could pave the way for hundreds of people who are struggling to keep up with repayments on credit agreements, to find a way out, if their contract is deemed unenforceable.”

Stephensons offers a free initial consultation, up to 30 minutes, to check through credit agreements and assess the potential of successfully challenging them.

Andrew added: “There are various funding options open to people who wish to challenge their credit agreements, including legal aid in certain circumstances, or based on the prospects of winning the case we may be able to offer a no win, no fee option.”

 

this was taken from a case involving yes car credit now known as direct auto finance, I would write back to daf informing them that you believe the cca on which the credit had been advanced has already in court been shown to be unenforceable due to misselling of the ppi, I would quote the above case and inform them you have no intention of paying them and are going to start proceedings to reclaim all monies already paid in to their so-called ppi

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[Your address]

The Complaints Department

[Lender’s address]

[Date]

 

Dear Sir/Madam,

 

Ref – policy number

 

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

 

I took out a £xxx loan/credit card at your [branch name] branch on [date] and also bought a payment protection policy which would cost me an extra £xxx over the life of the loan. [The name of the salesperson who sold me the policy is …] The total amount of my premiums plus interest is £ xxxx.

 

When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

 

Possible additional paragraphs – include any which apply to you

 

[i also told your salesperson that I had adequate insurance cover through a separate income protection policy.]

 

[i said I did not need the PPI as my employer provides a generous illness and redundancy package.]

 

[You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do.]

 

[in forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.]

 

I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.

 

I am requesting a full refund of all my insurance payments, plus interest, which total [£ xxx].

 

If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman.

 

Yours faithfully,

you could try sending this amend as needed

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