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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.   
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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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Payday loan advice please


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My partner has a pay day loan, this was for £200. He has paid the interest only each month of £63, at the end of this month that will be his 4th payment of interest in which he would have more than paid back what he borrowed plus interest.

 

What is the likelihood of them agreeing after this fourth payment that the debt has been settled? He has never had enough at the end of the month to pay anymore than the interest, but he cant go on like that forever.

 

Your thoughts would be greatly appreciated. Thank you.

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Hi

Can you please put details up of whom he has the loan with. They all act differntly when faced with 'non payment' Firstly if payments are being taken by card please arrange to 'lose' and get a replacement. Otherwise they will help themselves. Most companies will take monthly payments although they will protest at first.

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the company his loan is with is poundstillpayday? http://www.poundstillpayday.co.uk/ he is getting into a right mess with everything at the moment and isnt in the best of health. He is planning on paying the £62.50 interest next week and then hoping to try and get them to agree to no more payments as i said before he would have paid back the loan and some interest by then.

 

any advice on this company would be great.

 

thanks

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I would cancel any direct debits and 'lose' any cards being used. This will stop them taking what you don't want them to. They will eventually pass to DCA Clarity who will accept token/monthly payments. To be honest these guys are reasonable compared to most of the other collection companies. Negoatiate as best you can with them but at least the monthly interest will stop.

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Thes e guys are a nightmare for calling you! Originally they had three numbers for me and would try them one after the other every day, two to three times a day.

 

Some bitch called Suki (Sounds like a puppy or a porn star) with a really annoying accent was always leaving scripted messages ad infinitum)

 

I am now looking to sort out my 4 loans once and for all, the other three companies have been pretty fair and accomodating but PTP won't acknowledge my letters or emails, they want me to call them, that said I probably will later....

 

 

Please PM me for contact details, addresses or advice if you like.

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Get onto their website, remove your tel numbers and replace the primary one with a made up one = 0161 123 4567 or something so they haven't a number for you! Then e-mail them and tell them your plan, if this fails they will pass the debt to clarity. Pay them off £10 a month. Sorted.

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UPDATE.

 

Have spoken to Pounds Till Payday who refuse to set up a payment plan as my offer of £100 per month against a balance of £910 would take too long to clear.

 

Unlike the other three they have said that they WILL add default charges (as is their policy) and an Account Manager (some fat whiny !!!!! sitting in a cubicle somewhere with a name like Suki) will attempt to contact me to resolve the issue. If at the end of the month the balance is still outstanding (which, unless I win the lottery, it will be!) then they will pass the account to their DCA, Clarity.

 

I have read that Clarity are pretty reasonable to deal with so I will put the money I was willing to pay PTP this month to one side and offer them two months money next month.

 

Sooooooo.....

 

PayDay loans are obviously to be avoided, but if you DO go down this route, like any other debt, don't ignore it. Be proactive. I have had a 75% success rate in negotiating a repayment plan.

 

Write to/Email them explaining that you cannot pay the requested amounts. Offer a reasonable payment and ask for the total to be frozen.

 

Be prepared to negotiate.

 

If possible change/remove your contact details on their website. Delete work numbers etc. I have a PAYG mobile set up just for these guys, so I know who is likely to be calling even if the number is witheld.

 

Keep copies of everything.

 

Cancel Direct Debits and "Lose" debit cards, HSBC issued my new one in 3 days so you won't be without for two long.

 

If you are using online banking check that they don't try and set up the DDs again.

 

Tell them that your bank will no longer allow DDs on your account, so payment has to be by Standing Order, payment book or even PayPal.

 

You can use a prepaid credit card just for this purpose. They cannot take money from it if there is nothing on there so only load up just before a payment is due, just in case.

 

Write down how much the loan is for and the reloan cost. Add these together to give an "outstanding balance". Each month you can reduce figure by your payment instead of knowing that you have "rolled over" and paid nothing off. This will cheer you up no end as you will see the totals reduce quickly.

 

And finally,

 

Avoid Pounds Till Payday like the plague.

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thank you for your thought Endfieldan,

 

My partner has paid the defferal amount again, which means he has not paid back what he has borrowed, he is going to have a think about what he would like to do next.

 

Told him negotiation is worth a try.

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Enfieldian,

I think it is possibly worthwhile logging a complaint with the financial ombudsman. I don't believe they have the power to affect poundstillpayday and I'm not even sure if poundstillpayday are able to take you through the english courts system because of where they are based. I will try to find out more.

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does anyone have an email contact at poundtillpayday? Someone rather than the general customer service team?

 

My partner did not pay his £62.50, cancelled his card and so on.

 

I want to construct an email to them this eveing, explaining his situation and ask them to give him some time to get his finances together worth a try.

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Hi Gemini

 

They will probably ignore you even if you have contact details. I phoned them and they were unhelpful. However they passed to Clarity and caused me no issues. They accepted £20 per month. Better to negotiate with these people rather than PTP.

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Ok i will pass this info on to my partner. I had the same experience with another monthly loan provider, i got passed to cheque spread who were happy to accept £1 a month for 3 months. He has cancelled his card.

 

The other thing is i am concerned he'll get harrassed at work via his work number, what can we do about this? We are unable to log into his online account to change any details, it appears they want him to call them. I was going to change his contact number via that.

 

Thanks again.

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Hi Gemini

 

They caused me little in the way of hassle. They did ring me at work once or twice (difficult to stop them in the short term!), I just arranged to ring them back and offered a small monthly payment. They refused and passed to clarity. Ultimately you could just hang up on them or deny all knowledge of them - "you must have the wrong number" etc - don't let them intimidate you and they will soon give up or pass to DCA.

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They do not respond to emails or letters.

 

All I got after sending both was an emailm asking me to contact their "customer services team" and giving me a telephone number.

 

According to them, repayments and matters concerning your account can ONLY be discussed on the relephone - What absolute rubbish....

 

I received a call from the1m two days after the payment was due, asking why I had not paid (errr, if they had read the email and letter they would know)

 

They refused my payment offer (£100 a month) and said thy would be in touch again at the end of this week.

 

Can't wait......;)

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Enfieldian - Exactly how they treated me. Some e-mail from e-collections offering a discount if I paid now. Ignored this then heard from Clarity a couple of weeks later. Nothing to worry about. I have ended up paying £20 monthly. Fair result!!

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