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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.  
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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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N55 Notice of application for attachment of earnings order, Help Pretty Please.


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Cliff notes version leading to my question

I received a CCJ for a credit card debt which had been sold to a firm called FV-1, INC, The Corporation Trust Company. these are the claimant's who acquired the CCJ against me a year ago. I didn't defend it as I new nothing then and hadn't discovered CAG.

 

The claim, CCJ was for only a small part of the debt £315.00 which they sated on the claim form was for part of a debt assigned to them.

I have since found out from CAG that this is actually unlawful for them to do so,this is set out in section35 of the County Courts Act 1984 which can be found here. County Courts Act 1984 (c. 2:cool: - Statute Law Database

 

I sent I & E to them as soon as I received the claim with an offer to pay sent it to FV-1 as that is who it said to send it to on the claim form. I heard nothing from them, but then received the CCJ and it was to pay forthwith.

I wrote to the court explaining every thing as soon as I received the CCJ and enclosed my I & E along with wage slip. The court replied saying I had to pay a fee to get the CCJ amount set to installments, I had been told that if I responded with in 14 days there was no fee. Any way obviously this info was wrong.

I never paid fee for redetermination.

I never heard a thing for a whole year until last Thurs. when I received a N55

This leads me to my main question..............

I have read loads of times on here that a spouse is not liable for the others consumer debt. This debt is soley mine and has nothing to do with my husband.

I would like to get this debt set to an affordable installment and to ask that they suspend the order and give me a chance to pay rather than taking it from my wages, there is a tiny space on the form to do this.

This is what i am unsure of.................

I have to get this form posted to court this Monday to be on the safe side.

It asks for my I & E and a recent wage slip.

I only work part time and my hubby works full time, we have two children,

If my hubby is not liable to pay my debt then do I just write down what I pay for and what I earn and make an offer of payment, and then write that my hubby pays for all the other expenses or do I have to include his income along with his outgoings and send a wage slip of his too.

ON THE FORM IT ASKS FOR " MY HUSBAND OR WIFES USUAL TAKE HOME PAY"

 

I hope I have explained OK, I really don't know what way to fill this in as I have tried to explain above.

Any thoughts, help would be really appreciated.

cheers Q., x

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I think (and I'm happy to be corrected) that if the credit card was applied for solely in your name and issued based solely on your income then I would say that only your income and expenditure should be considered when asking for payment terms.

 

It could be viewed that the part of the form asking for husband or wife's income should only be completed where there is a joint debt.

 

As you say, there is only a small box on the form to put your reason for asking for suspension - however, if you need to explain in more detail (i.e. it would be detrimental to your employment status, or that you had already offered a an installment offer but was ignored) then you should write in the box "please see affixed sheet" then you need to write the claim number and your name at the top of the sheet and affix it to the form. Don't forget to keep a copy of everything and send by recorded or special delivery.

 

There is of course the possibility of having the CCJ set aside due to the fact that the claim was issued for only part of the claim - this would involve a fee of £75.00 and is applied for on a different form. However, the other way of looking at it is this - if you pay the £315 then no-one can come back to you for the remainder as the claim will have been satisfied. How much is the whole debt?

 

Ell-enn

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Firstly Ellen you are so kind to reply sp speedily, many many thanks.

 

I actually was givren the card years back when I didn't even work and it was only in my name my hubby didn't know I was applying for it. I applied in bank as I kept going in to pay an argos card balance and the cashiers kept saying take our card and tranfer balance it will be cheeper. so hubby certainly wasn't aware until I told him I had one.

I suppose they linked me with my hubby and he was working and still is.

 

I did think perhaps the part which says husbands or wifes income could just be for joint claims.

 

I wondered weather it would be best to include hubbies income and expenses but send no wage slip of his and write that this is where our money goes and as this debt is just mine my husband did not want me sending his wage slip but out of our combined surplus I will offer part of it, as my hubby isn't liable for my debt, OR to just do as previously stated and not include hubby for same reason and say this is where my income goes and offer £ 10.00 a month, I don't earn much, it all goes on living exspenses any way. If I did include hubbies wage then it would probably end up as a $10 :wink: a month offer any way, and that is us being generous.

 

The debt on the card was a couple of thousand so yes, if I get this paid then the CCJ will be satisfied, so if they came back for more it would be a case of "res judicata". Bryan carter did the same with a debt of my hubbies, we paid this to bailiffs as we again couldn't affortd the £50 a month set by court, then received confirmation that the CCj was Satisfied, Carter then asked for the balance remaining, We said the CCJ has been paid, You are not getting any more and never heard another thing. that was over a year ago now.

This company seem to run in a similar way to Bryan Carter sols.

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OK, if you would only end up with £10 surplus to offer by taking joint income into consideration then you will be at no disadvantage by doing that. You should only send in your wage slip - after all it's only your debt.

Keep the information on the sheet you are attaching concise and to the point, no need to mention that your husband doesn't want his wage slip sent in.

 

When you fill in the income and expenditure part of the form, make sure the £10 per month you are offering is what is all that is left over after everything else has been paid. Take a photocopy of all of it before sending in to court.

 

Ell

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Yes Ell_en,

I think that would be the best as if I left out my hubbies wages it would look like I was trying to hide something. I really just want this payment accepted and to pay it.

I will keep the info to the point, they don't want my life story i know.

Do you have any idea if these forms once completed are successful?

 

 

i cannot find any cases the same as mine where any one has just sent off there income and not included there spouses. I've searched this forum but can't find any account of this.

 

Cheers Q.x.

 

Thanks for your message Ell-enn. you are a star.

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Hi there, thanks

My main concern is to get this CCj paid off by installments, as they have only sued for part of the debt, once this is satisfied I could then fight them off hopefully if they tried to get the rest.

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Just Noticed this N55 form says In the Expenses column Do not include any payments made by other members of the household out of their own income.

I understand this to mean only include what expenses I pay from my income.

I think I'll have to ring the court about this.

I'll post back what the court says as it may help others who are in the same boat as me.

It would certainly be easier for me if I did only have to include my income and outgoings.

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Can some one have a look at this post please and tell me what they think?

 

I phoned the court the girl didn't have a clue.

She read the form and then said do as it says on the form, which is .........

Include the spouses income as it asks you to and money anyone else contributes to the household, if applicable,

then in the expenses part only put my expenses down and then I could just write that all other expenses that I don't pay for are paid by my husband out of his income.

 

I do not include hubbies wage slip.

I must admit my OH does not want his details recorded on this form as it is not his debt.

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What about electricity and gas? Typically these would be around £100 per month.

Also what about children's school trips etc.

What about TV licence?

What about car expenses, MOT, Insurance, Tax?

If no car then what about transport expenses?

Edited by palomino

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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You could also look at this http://www.nationaldebtline.co.uk/england_wales/pdf/personal-budget-sheet/pbs-monthly.pdf.

 

This gives you a template to complete which ensures you don't miss anything.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Hi Palomino,

Yes I have looked at the link, thanks

These are my expenses from my wages, child benifit and child tax credit, these two benefits I collect and pay out as our living expenses.

My husbands expenses are not included as this CCJ debt is mine, It is not my husbands debt.

They want me to list my expenses from my income.

The things you mention are what my husband pays which are why they are not included.

I have heard the court is strict, which is why i would love comments from others before sending this form off.

Thanks

CAN ANYONE COMMENT ON MY POST #9 PLEASE, THAnks

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  • 4 weeks later...

Just to update. might be helpful to someone wondering the same things as i was.........

I did fill the N56 out correctly.

It did mean my hubbys wage my wage & benifits, (if any)

BUT I only had to list expenses what I paid out for, I sent a covering note saying this is where my money goes and all other household expenses that I haven't listed is because my hubby pays them.

I asked for order to be suspended and it came back as 'agreed to suspend the AOE's' and I am 'ordered to pay £5. a month'.

Great result and all I have to do now is contact the DCA so i can set up a standing order so that they can't turn round and say they haven't received my posted payment.

They could appeal against this order within 16 days but I can't see the point as I only work 14 hrs a week, so earn a small wage and you "can't get the knickers of a bare arse" :wink::lol: :grin:

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ARE ther any charges on the credit card that you can reclaim?

 

Probably not many, I'm not really bothered about trying to re claim charges as they have sued for only a minute part of the debt. It will take me a few years to pay this CCJ at £5. a month, even if they applied to raise the monthly payments at a later stage they won't get much of a result. After this has been satisfied they will have to sue me again, in which case it will be defended as outlined in my first post.

I will be sending a CCA request to them though....;) it might prove to be fruitful.

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