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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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Invalid Default Notices


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The DN dated 9th December gives you until December 26 (boxing day) to comply.

 

Any right thinking person would know that whilst there may not be a legal obstacle to including these dates in a DN- in reality you could have no opportunity to remedy on either the 25 or 26 December and this is unreasonable at best

 

 

However if the DN was posted on the 9th first class (unlikely) then service would be deemed to be thursday 11th which would give you until and including dec 25th(christmas day) to comply

 

if posted first class next day then your compliance date would be 26th (boxing day) which would be correct

 

if posted 2nd class on 9th compliance would be by 29th december and if posted 2nd class on the following day then 30th. both of which are well short

 

it is HIGHLY likely that the DN is defective

 

 

the first golden rule on this site is not to speak to the other side on the phone

 

the second golden rule is to keep EVERY envelope and staple it to the back of the letter.

 

I assume that you did not keep the envelope?

 

in which case you need to fire off a SAR to the OC

 

the creditor would need to PROVE that he sent the DN first class- not just say he did

 

usually his computer records will trip him up so worth getting

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creditors are not known for their charity and they did not "have to" issued DN's in order to offer you terms- they did so so that they could then terminate at some future date and demand the full balance

 

i would post them all up on different threads and let us have a butchers

 

 

Thanks... I will scan them in tomorrow and post them. I did read somewhere that if a company agreed to concessionary payments on a short term basis, and these payments were made on time, then they should not be issuing DNs unless the concessionary payments were arranged as part of a DMP, which at the time I assumed to be any arrangement made due to being unable to afford full min payments... after more reading I'm now under the impression that the DMP option involves a third party and so since Tesco accepted my offer and I never missed a payment there shouldn't have been any DN. At the time I thought nothing of the DN as they said it was a requirement to issue it, but the more I read the more I wonder... Thanks for the advice

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The DN dated 9th December gives you until December 26 (boxing day) to comply.

 

Any right thinking person would know that whilst there may not be a legal obstacle to including these dates in a DN- in reality you could have no opportunity to remedy on either the 25 or 26 December and this is unreasonable at best

 

 

However if the DN was posted on the 9th first class (unlikely) then service would be deemed to be thursday 11th which would give you until and including dec 25th(christmas day) to comply

 

if posted first class next day then your compliance date would be 26th (boxing day) which would be correct

 

if posted 2nd class on 9th compliance would be by 29th december and if posted 2nd class on the following day then 30th. both of which are well short

 

it is HIGHLY likely that the DN is defective

 

 

the first golden rule on this site is not to speak to the other side on the phone

 

the second golden rule is to keep EVERY envelope and staple it to the back of the letter.

 

I assume that you did not keep the envelope?

 

in which case you need to fire off a SAR to the OC

 

the creditor would need to PROVE that he sent the DN first class- not just say he did

 

usually his computer records will trip him up so worth getting

 

Thanks for your advice DD.. so I take it the letter from Triton can not be seen as a TN in this case?

Edited by C2K
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Hi C2K, just a thought -

 

You said -

 

I have a DN from the OC MINT

 

and -

 

and TN from a DCA Triton

 

As the OC issued a DN, and a DCA issued a TN, did you get a NOA from both of them before the TN?

Your agreement was with Mint, only Mint can legally terminate it, unless it has been assigned.

 

Bill

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Hi C2K, just a thought -

 

You said -

 

 

 

and -

 

 

 

As the OC issued a DN, and a DCA issued a TN, did you get a NOA from both of them before the TN?

Your agreement was with Mint, only Mint can legally terminate it, unless it has been assigned.

 

Bill

 

Thanks BS...no, I did not receive any NoA, therefore I will SAR them Monday as DD suggested.

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cant see the attachment anymore however i understood that triton were merely "acting" for the OC and they were mentioned as their principals in the letter so an assignment letter is not required

 

the letter does show a full balance but the wording is very ambiguous and i would prefer personally to do the sar but hold fire on any acceptance of an unlawful rescission until a more formal demand is made/or sar shows the account terminated

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True. That's why i'm learning the questions - not the answers :D:D:D.

 

M

 

thanks- it WAS though a serious comment

 

if you convey in your evidence that you do not dispute that an agreement was entered into with the other party, but that you dispute (give the reasons) that the creditor is able to legally enforce said agreement then you take the wind(question) out of the judges )or oppositions) sails

 

this, from x20 is useful to have in your armoury

 

 

The Defendant admits entering into an agreement with the Claimant and which was regulated by The Consumer Credit Act 1974 (The Act). No admissions are made as to the terms, conditions or other provisions of the agreement and the extent to which the Claimant may or may not have complied therewith and the extent to which the Defendant may or may not have complied therewith. Further and alternatively, it is denied that the agreement was properly executed and/or is now enforceable in whole or in part.

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The Defendant admits entering into an agreement with the Claimant and which was regulated by The Consumer Credit Act 1974 (The Act). No admissions are made as to the terms, conditions or other provisions of the agreement and the extent to which the Claimant may or may not have complied therewith and the extent to which the Defendant may or may not have complied therewith. Further and alternatively, it is denied that the agreement was properly executed and/or is now enforceable in whole or in part.

 

Thanks DD. Will tuck this little gem away for future use.

 

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cant see the attachment anymore however i understood that triton were merely "acting" for the OC and they were mentioned as their principals in the letter so an assignment letter is not required

 

the letter does show a full balance but the wording is very ambiguous and i would prefer personally to do the sar but hold fire on any acceptance of an unlawful rescission until a more formal demand is made/or sar shows the account terminated

 

Thanks again DD... the attachments have been removed as I don't know who might be reading :!:. Yep, I thought so, the account was probably not assigned/sold to Triton, I won't do anything just yet until I am 101% satisfied that the account was terminated. Cheers.

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Hi, some of you may find my thread re SLC interesting, they have defaulted me FIVE times despite the original breach not being rectified. Not sure if original DN is valid (or if they have acted lawfully on backdating credit file while statute barred). Have read all this thread but could also do with some case-specific advice from the experts posting on this thread, please...

 

http://www.consumeractiongroup.co.uk/forum/students/239734-slc-student-loan-default.html

To err is human: to completely mess up is my peculiar gift.

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i'm not sure i understand what you mean?

 

May be referring to my comment that Tesco issued a DN despite agreeing to the concessionary short term payments, stating that they were required to issue this before they could accept the offer.

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i think you will find in cases like these that a "variation" to the contract was not agreed.

 

the debtor got into difficulties and/or did not maintain the contractually agreed payments for whatever reason and was therefore already in breach of the agreement

 

the Arrangement subsequently agreed to repay could therefore not be held to be a mutually agreed variation to the agreement

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There isn't one. You don't want to approach the creditor/DCA about unlawful DNs unless you are absolutely sure they have terminated the agreement. If you are then approaching them to tell them they have rescinded the account and you want defaults removed from your credit reference reports, that is tricky and you have to start by asking the creditor/DCA to remove them, pointing out why they breached the Data Protection Act ie why the DN is unlawful and the account was rescinded unlawfullly. They will ignore you, as will the credit reference agencies. Then can go through the ICO and if that doesn't work, take them to court.

 

 

100% agreed. This is the preveiling 'grey' area. It's the kind of 'we have issued and declared the DN both to the debtor and the CRA's and that bit of our job is done'.

The problem is that if you consider the DN invalid they 'ignore' you. In my case they've not terminated the agreement but have issued both a DN and Final Notice. I consider the DN to be probably invalid, the main reason being a stated date of the 4th and complete date (or else) by 14th.

The ICO can take months. The CRA run off their 'distanced' remarks of them being a 'Data hub' (now there's a novel one!) and they cannot go above their client. When I spoke to the CRA he came over as some know it all kind of person. I asked, after him telling me I could contact the ICO or CAB, 'Under what priciple of the DPA are you saying this will apply to?' after a good 10 second silence he replied 'I'm sorry but I don't think I can help you further. I really gave him a hard time. :-D

Anyhow the options are that the DN entry is good enough often because it's as bad as a CCJ and unless you are going to a court case against it then the waiting starts. The 6 year clock has also begun.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Hi everyone just got off the phone to the ombudsman.I complained that a default notice issued by the co-op bank was wrong as it was dated the 11th of Feb and gave me until the 25th of Feb to pay they also terminated the account on the same day the 11th as far as I was aware you had to have 14 days plus 2 for service and you cant terminate untile the default expires am I correct? The ombudsmant told me as far as the 74 act is concerned it has to be 14 days so as far as they are concerned it is correct unless I can show them a legal doc.that states 14 plus service and as regard to the termination that is a legal matter and they dont get involved please someone tell me if I am write or wrong as I was sure I was right.If I am right what is the point of the ombudsman

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Hi everyone just got off the phone to the ombudsman.I complained that a default notice issued by the co-op bank was wrong as it was dated the 11th of Feb and gave me until the 25th of Feb to pay they also terminated the account on the same day the 11th as far as I was aware you had to have 14 days plus 2 for service and you cant terminate untile the default expires am I correct? The ombudsmant told me as far as the 74 act is concerned it has to be 14 days so as far as they are concerned it is correct unless I can show them a legal doc.that states 14 plus service and as regard to the termination that is a legal matter and they dont get involved please someone tell me if I am write or wrong as I was sure I was right.If I am right what is the point of the ombudsman

 

That would be the ombudsman that is funded by who..... oh the banks.... :-)

 

They never get involved in legal issues unless its on the side of the bank and by rights they shouldnt.

 

A default notice has to give you 14 clear days to remedy, how can you get 14 clear days to remedy if its sat in postman pats bag for 2 or 4 days?

 

Read back through this thread and you'll get your answers plus the legal bits that are required. None of this is required or listened to by the FOS by the way, legal arguments are for court.

 

S.

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The Ombudsman hasn't a clue about the law on Default Notices and the answer you received proves it. Even if you had written a full complaint to the Ombudsman, you would have received their stock reply that you "probably" owe the money and they cannot rule on matters of law. They are very good if your granny's direct debit wasn't paid on time or coffee was spilled on your statement but apart from trivia, forget the FOS. You need to tackle this yourself and you can get all the advice you need on here as you need it.

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