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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Advice needed for Littlewoods Account


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I would appreciate advice on this matter,currently been with this catalogue for approx 9 yrs.

My balance is £2800 and last payment i made was in December 2008.

I have been defaulted about 4 times each time charged £12.

The account has now been passed to a debt collection agency namely,NDR and in arrears of about £400.

Do they need a credit agreement to enforce this?

Could somebody be kind enough to let me know my options as i am having difficulty paying the monthly instalments at present and would appreciate any template letterers i could use.

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Have a look here:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Letter "N" is the one you need to request a copy of any agreement but have a look at some of the other letters too. They can be very useful ingetting a lower payment accepted

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Have a look here:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Letter "N" is the one you need to request a copy of any agreement but have a look at some of the other letters too. They can be very useful ingetting a lower payment accepted

 

Hi,thank you for your response could you also clarify that letter n requires a £1 postal order?

Khan

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Yes, send a £1 postal order (this is the statutory fee)

DO NOT sign anything, just print your name

send the letter by recorded delivery

They have 12+2 working days to respond (the +2 is for delivery)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 weeks later...

Well i have received a response from Littlewoods as follows:

"We refer to a recent request for a copy of your agreement.

Unfortunately we are unable to locate a copy of an executed agreement,but for your information we enclose a copy of the current agreement which applied to this type of account.This version includes all contractual variations which have taken place.

According to our records the account was opened in 1996.You agreed to make payments every 28 days.

The outstanding balance is £2800 and you have made £800 in payments in the last 12 months.

In accordance with the terms of the catalogue statements are issued every 28 days."

Its clearly obvious they have no copy of agreement as there was not one in the first place,they have also enclosed a credit agreement regulated by the consumer credit act 1974 for my reference,clearly all fields are blank ie Name,surname,Address,signature etc.

Would appreciate advice as to my next course of action??

Khan

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Well i have received a response from Littlewoods as follows:

"We refer to a recent request for a copy of your agreement.

Unfortunately we are unable to locate a copy of an executed agreement,but for your information we enclose a copy of the current agreement which applied to this type of account.This version includes all contractual variations which have taken place.

According to our records the account was opened in 1996.You agreed to make payments every 28 days.

The outstanding balance is £2800 and you have made £800 in payments in the last 12 months.

In accordance with the terms of the catalogue statements are issued every 28 days."

Its clearly obvious they have no copy of agreement as there was not one in the first place,they have also enclosed a credit agreement regulated by the consumer credit act 1974 for my reference,clearly all fields are blank ie Name,surname,Address,signature etc.

Would appreciate advice as to my next course of action??

Khan

 

 

thats good news. They have confirmed (like with most people) that they do not hold a copy of your agreement. Keep that safe. Now send the account in dispute letter.

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thats good news. They have confirmed (like with most people) that they do not hold a copy of your agreement. Keep that safe. Now send the account in dispute letter.

 

Thank you for your prompt response found the relevant letter and have my response here :)

 

Dear Sir/Madam,

Re:- Account/Reference xxxxxxx

Thank you for your letter dated 31/03/09,the contents of which have been noted.

You have failed to respond to my legal request to supply me a true copy of the original consumer agreement for the above account.

On 24/03/09 I made a formal request for a true signed agreement for the alleged amount under the consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account will enter a default on 15/04/09.

You have provided me with a blank copy of agreement. As such I can only assume no contract was signed by myself. As you are no doubt aware.

Furthermore your actions arguably do not comply with the Office Of Fair Trading Debt collection Guidelines of July 2003,in that you have communicated in an inaccurate or misleading manner (section 2.1) by presenting information in that creates a false or misleading impression and failing to provide information on the status of debts.

The document that you are obliged to send me is a true copy of the executed agreement that contained all the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of agreement to be carried out before your client enters into a default situation.

As you are no doubt aware section 77(6) states:

If the creditor fails to comply with subsection (1)

(a) He is not entitled, while the default continues, to enforce the agreement.

Therefore this account has become unenforceable at law.

As you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

Should you not respond within 14 days I expect that this means you agree to remove all such data.

Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute.

The lack of credit agreement is a very clear dispute and as such the following applies.

*You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

Yours Faithfully

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  • 3 weeks later...

Have you had a reply to the above letter from Littlewoods? I am just about to send the same letter to them, as they could not supply me with a CCA just sent me the same letters as they sent you.

 

They are also phoning me about twice a day also, which is getting a bit annoying:mad:

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Have you had a reply to the above letter from Littlewoods? I am just about to send the same letter to them, as they could not supply me with a CCA just sent me the same letters as they sent you.

 

They are also phoning me about twice a day also, which is getting a bit annoying:mad:

 

 

They're also charging me £10 a call to phone me :eek: Catalogue shopping used to be so cheap and easy - now, with those 39% interest rates:roll:!!!

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They are phoning because they are desperate, they have no agreement and no chance of enforcement.

 

They will pass it around the pond life of DCA's until they get tired, keep the letter that states they have no agreement and send a copy to each DCA that crawls out of the woodwork, but they will refuse to take any adverse data off of the CRA.

 

Thats where im at anyway.

 

GG

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Thanks for the info;) At the same time as sending the Littlewoods CCA letter, I also sent Additions the same request for a CCA. I have had no reply from them and they received the request on the 3rd April. I have only had a letter telling me that i am in arrears and i need to pay x amount etc. They have received the letter as i have checked on the Royal Mail tracking facility, what do i now?

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Hello chaps i have had an update as follows: :)

 

Dear Mr X,

 

Further to your letter on x-x-x,concerning your complaint in relation to a copy of your Credit Agreement,please accept our apologies that you found it necessary to complain.

 

In the interests of improving the service we offer to our customers,all complaints received are taken very seriously and a full investigation is always carried out.

 

Our understanding of your complaint is as follows:

 

You have stated that the debt is unenforceable in the absence of a Credit Agreement.

 

We have made a full investigation,assessed your concerns and can confirm our finding as follows:

 

I can confirm that we are unable to locate a copy of your original signed Credit Agreement. Hence will not be pursing this account for the outstanding balance of £x.However,if we mange to locate this agreement,we reserve the right to recommence collection activity.

 

I should explain that,whilst a court has power (under section 127 of the consumer Credit Act 1974) to decide that we can not enforce the agreement,it does not mean the debt does not exist.

There is clear evidence of a credit based relationship between ourselves and you.

 

By providing your information to us for the purpose of ordering goods and opening a credit account,you have given your consent to us processing your information.

We outlined how we would use this information in our data protection policy at the time you opened the account.

 

The policy also specifies that we will share information with credit reference agencies regarding the performance of your account. The historical record of the transactions on your account is accurate and it will remain on the files of the Credit Reference Agencies.

 

As this debt will remain unsatisfied,this will noted on our internal file for future reference. This information will also form part of your records at the Credit Reference Agencies where we share information.This information will remain on your credit reference file for 6 yrs.

 

I can confirm this letter concludes our investigation into your complaint.

I hope our explanation meets your satisfaction however if this is not the case,you can refer this matter to (FOS).Please note if you do this it needs to be done within 6 months.They will require you to confirm that we have issued you with a final response.

 

Well there you have it they admit they don't have the Agreement so hence is unenforceable. My concerns are now with the credit reference agency as i don't see why i have been defaulted if the debt is unenforceable and would need some clarification on the matter?

Also i had a separate letter from littlewoods who must think i am daft lol asking that i am entitled to win an amount between £15-1000 and to sign the paper and to post back to claim this surely this is there attempt of fraud in order to obtain my signature???

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Thats good news about the cca, however littlewoods will continue to report on your credit file no matter what you do or say to them. they will completely ignore you on that matter unless you file at court.

 

In my case they immediately placed an 'AR' (arrangement to pay) on my credit report at the point of asking for my cca even tho I wasnt behind with any payments thereby knowingly providing false info to the CRA's.

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Hi again

 

NEVER sign anything for a catalogue company again unless you are sure they're not related to littlewoods.

 

It is a win of sorts but your credit rating will be stuffed until the 6 year mark

 

As far as I'm concerned the ICO are next to useless in these matters and the only recourse you have is to haul their sorry asses through the courts.

 

No CCA= no right to be processing data

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Have you had a reply to the above letter from Littlewoods? I am just about to send the same letter to them, as they could not supply me with a CCA just sent me the same letters as they sent you.

 

They are also phoning me about twice a day also, which is getting a bit annoying:mad:

 

Hello have a look at my last post :)

They never called me, actually i would advise you tell them if they don't stop harassing you,it will be reported to the relevant authorities in writing

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They're also charging me £10 a call to phone me :eek: Catalogue shopping used to be so cheap and easy - now, with those 39% interest rates:roll:!!!

 

Surely they cant do that? charge to call you that is ridiculous!

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Hi again

 

NEVER sign anything for a catalogue company again unless you are sure they're not related to littlewoods.

 

It is a win of sorts but your credit rating will be stuffed until the 6 year mark

 

As far as I'm concerned the ICO are next to useless in these matters and the only recourse you have is to haul their sorry asses through the courts.

 

No CCA= no right to be processing data

 

Hello, surely they can not carry on defaulting you on a account where the debt is unenforceable?

Would anybody know which route to go regarding this other than court?

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Hello, surely they can not carry on defaulting you on a account where the debt is unenforceable?

Would anybody know which route to go regarding this other than court?

 

You know it, I know it and they know it :mad: It is a creditors last means of exerting power over you. They will argue that as you had the goods then a relationship was formed and as such they have the right to place whatever they like on the files of a CRA, agreement or no agreement. They seem to feel they are above the law.

I would still complain to Trading Standards and the OFT. You can go to the ICO but don't hold your breath.

 

Here is a letter you could send them demanding they stop processing data

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980.html

 

Annoying isn't it! :mad:

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If they are passed 12+2 days, then send them the dipute letter, if you havent got one, let me know and il pinch one from somewhere.

 

Or someone else will post one up if i do not see you in time.

 

GG

 

I haven't got a dispute letter, please could you direct me to one;)

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I haven't got a dispute letter, please could you direct me to one;)

 

 

Have a look at this one:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.html

 

That may do the job

 

I do recommend you start a new thread instead of posting on this one. When you need real help it may not be forthcoming

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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You know it, I know it and they know it :mad: It is a creditors last means of exerting power over you. They will argue that as you had the goods then a relationship was formed and as such they have the right to place whatever they like on the files of a CRA, agreement or no agreement. They seem to feel they are above the law.

I would still complain to Trading Standards and the OFT. You can go to the ICO but don't hold your breath.

 

Here is a letter you could send them demanding they stop processing data

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980.html

 

Annoying isn't it! :mad:

 

Thanks for that will give it a go :)

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