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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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    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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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.

       

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Court Case #2 - Northern Rock


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Check out the insurance, but if it was meant to cover the loan over a period of time, and that period of time is shortened, then you may be entitled to a refund.

 

Alternatively, if you're in a position to make an offer to negotiate a settlement of the debt with NR, that could be another option to consider.

 

I guess the most I can do today is perhaps take a close up photo of the agreement to give you an idea of what I mean.

I will put it up later. I had to take the kids out for a bit as they have been stuck in all weekend whilst I try sort this out.

 

I cannot afford the payments which is why I stopped.

 

Can I put in this defense and then add in about the cca at a later date once I get it examined?

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Hi Lux,

 

My view is that surely they should have produced a legible CCA under the CPR.

 

If they have a legible copy which is enforceable why have they not produced it and slapped you round the head till you know it is enforceable? Surely it would be the simplest solution I know that if I was on the other side it is exactly what I would do.

 

I am seriously considering offering my services as a 'hit man'.

 

"Look here it is. YOUR agreement! Your signature! There are the prescribed terms! Now get your wallet out"

 

Job done!

 

I would be so much cheaper than the method they are currently using.

 

GK

 

I only got the agreement on Saturday, and I don't have a scanner at home. So I have not had much chance to examine it. All I know is that it is not the clearest document in the world!!

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Hi Lux,

 

If you only received the info on SAturday I would make a point of it.

 

How long ago was it requested?

 

Do you believe that it was sent late in order to prejudice your ability to defend?

 

GK

Hi GK

 

Managed to get to an internet cafe so heres the agreement.

 

I was late asking for the agreement in fairness!!

 

I have had to put them in a zip file as I cannot get a jpg small enough to be readable

cca 002a.zip

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I'm no expert and am a bit pushed for time at the mo too, but this link might help. http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html#post1747470

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No probs Luxx.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The agreement looks ok to me, but let others comment as well, before deciding

 

Hi Creditcardmug...

Thanks for taking a look.

 

I have been trying to figure out if the amounts are correct, but cannot work out how they calculate the totals.

 

Grrrrrrr :rolleyes:

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I cannot see anywhere on the agreement about my Right To Cancel???

CCA 1974

 

 

64

.—(1) In the case of a cancellable agreement, a notice in the prescribed form

indicating the right of the debtor or hirer to cancel the agreement, how and when that

right is exercisable, and the name and address of a person to whom notice of

cancellation may be given,—

(a) must be included in every copy given to the debtor or hirer under section 62 or

63, and

(b) except where section 63(2) applied, must also be sent by post to the debtor or

hirer within the seven days following the making of the agreement.

 

Clutching at straws? lol

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I cannot see anywhere on the agreement about my Right To Cancel???

CCA 1974

 

 

64

.—(1) In the case of a cancellable agreement, a notice in the prescribed form

 

indicating the right of the debtor or hirer to cancel the agreement, how and when that

right is exercisable, and the name and address of a person to whom notice of

cancellation may be given,—

(a) must be included in every copy given to the debtor or hirer under section 62 or

63, and

(b) except where section 63(2) applied, must also be sent by post to the debtor or

hirer within the seven days following the making of the agreement.

 

 

Clutching at straws? lol

 

 

Just found this... Apparantly, the Right to Cancel must be included in the Agreement ....

 

Substituted by SI 2004/1482, regs 2, 13.

Date in force: 31 May 2005: see SI 2004/1482, reg 1; for transitional provisions see reg 18 thereof.

paragraph 5.

YOUR RIGHT TO CANCEL

Once you have signed this agreement you have a short time in which you can

cancel it. Details of how to cancel it will be sent to you by the owner

 

The OFT also say this....

Both the borrower and the lender must sign the agreement. A copy of the executed agreement must be given to the borrower, either when he signs it or within seven days. A further copy of the unexecuted agreement may also need to be provided. If the agreement is cancellable (because it was signed off trade premises), notice of cancellation rights must be included in the copy agreement, and must also generally be sent by post or email to the borrower within seven days.

If the above requirements are not met, the lender can only enforce the agreement against the borrower by getting a court order. Local authority trading standards services or the OFT can take enforcemtent action against the lender, using powers in Part 8 of the Enterprise Act 2002.

 

Any thoughts anyone?

 

I take it from the Consumer Credit Agreement Regulations 1983, That it must state on the agreement that you have a right to cancel, and that a copy of your right to cancel will also be sent to you within 7 days.

This applies where the agreement has not been signed in the branch etc....ie: they posted the agreement to sign....which is the case here... It should come within the Key Information box.

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Just found this... Apparantly, the Right to Cancel must be included in the Agreement ....

 

Substituted by SI 2004/1482, regs 2, 13.

Date in force: 31 May 2005: see SI 2004/1482, reg 1; for transitional provisions see reg 18 thereof.

paragraph 5.

YOUR RIGHT TO CANCEL

Once you have signed this agreement you have a short time in which you can

cancel it. Details of how to cancel it will be sent to you by the owner

 

The OFT also say this....

 

Both the borrower and the lender must sign the agreement. A copy of the executed agreement must be given to the borrower, either when he signs it or within seven days. A further copy of the unexecuted agreement may also need to be provided. If the agreement is cancellable (because it was signed off trade premises), notice of cancellation rights must be included in the copy agreement, and must also generally be sent by post or email to the borrower within seven days.

If the above requirements are not met, the lender can only enforce the agreement against the borrower by getting a court order. Local authority trading standards services or the OFT can take enforcemtent action against the lender, using powers in Part 8 of the Enterprise Act 2002.

 

Any thoughts anyone?

 

I take it from the Consumer Credit Agreement Regulations 1983, That it must state on the agreement that you have a right to cancel, and that a copy of your right to cancel will also be sent to you within 7 days.

This applies where the agreement has not been signed in the branch etc....ie: they posted the agreement to sign....which is the case here... It should come within the Key Information box.

 

If I want to bring in Unenforceable CCA into the defense now... should I still include the Default Notice and Termination stuff?

 

Can I now state "I acknowledge no debt to your company?"

 

Cheers

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Can I just clarify - where did you sign the agreement

 

If the agreement is unenforceable you still include DN/TN issues

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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yeppers the figure check ok on DualCalc so id say that the agreement itself is enforceable as it stands

 

Any thoughts on the cancellation point

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Hi No Money

It was signed at home ...they sent the forms to us :D

 

Oh! Dammit! lol

 

Should I just go with the Invalid DN and TN then? Or do you think the Right to Cancel point may be valid too?

 

Thanks

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Any thoughts on the cancellation point

Unlikely, unless there were antecedent negotiations ( see s56 CCA 1974) which took place, that would be the crucial issue in my view, if there were antecedent negs then we would have a cancellable agreement IMHO

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Unlikely, unless there were antecedent negotiations ( see s56 CCA 1974) which took place, that would be the crucial issue in my view, if there were antecedent negs then we would have a cancellable agreement IMHO

 

Oh well! Righht thats it for me then...I will just go with what I have already..

 

Thanks so much everyone for your contributions and help...

 

It really is most appreciated!!;)

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erm the date is 4th June 2007????

 

that would mean we fall under the unfair relationship test not the strict unenforceability issues of the old act

 

 

Ummm.... What does that mean pt2537??

Sounds kinda err bad?

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Ummm.... What does that mean pt2537??

Sounds kinda err bad?

 

Crap!! I am totally confused now lol... I have until tomorrow to get this defence ready to send... Dont look like Im gonna make it :confused:

 

Arse!!!!

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