Jump to content


  • Tweets

  • Posts

    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Debt collector that doesn't seemed to be registered! - UPDATE/RESULT - SHARK JAILED


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4605 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

My mum took a loan out back in XXXX. Due to the extortionate amounts of interest and call out charges this company enforces on its customers she still owes XXXX. The original loan was for around £XXXX

 

My mum has had to go away to visit family and I have been minding the house. The wires for the phone and TV aerial were ripped out when I went round there the other day and a neighbour informed me it was the debt collector from the company she has loaned money off. The company is called M.A.M Finance. When I called my mum she said to leave calling them and that she would sort it all out when she was back, but today a neighbour came to my house to tell me he was trying to break in my mum's house. this has got to be one of the more extreme ways I have heard of a debt collector trying to get in to a debtor's house.

 

I called the police and made my way round there, but when I got there the debt collector had gone and he had stuck a silicone filler over the keyhole denying me access to the elderly and sick cat I am taking care of. The police came and said when the silicone dried to pick it off and the key would work. When I did that - the lock was damaged. I am now waiting for a locksmith to come out and change the lock but this could take up to 24 hours. I am wondering what action can be taken against him. This is not the first time he has used such scare tactics, and the police do not even seem to be that interested.

 

I cannot find a number to say the company is registered with anyone and I have no idea about how to go on helping my mum who already suffers with depression and mobility problems. Can anyone give me any information/advice on how to proceed with this?

:confused:

Thanks

 

NB.....I just found a website for the company but they now seem to be called Urban Cash and not M.A.M Finance. Maybe they trade under both names. I have no idea just thought it might help you to help me (edit)The domain for the site is registered to that company, but that doesn't prove anything does it? How do I find out if the company is registered with anyone?

Edited by 42man
link removed

You Cannot Have What I Do Not Own!!!

Link to post
Share on other sites

  • Replies 73
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

If you know his identity and/or whereabouts then you are in a stronger position - witnesses prepared to make statements are essential though. Is the neighbour likely to be up for it? If so take it up with the Chief Constables office and make sure that you copy in the local press and your MP.

 

Fair chance this goon has tried this lark elsewhere so with a little publicity others may emerge to help bring them down.

Link to post
Share on other sites

My neighbour has already given her details to the police and we are waiting on them contacting us to get more details in her case, and follow up in mine. It's ridiculous that people are scared by people like him though.

You Cannot Have What I Do Not Own!!!

Link to post
Share on other sites

Does the neighbour have a camera? If not, can you lend him/her one?

 

I think she does. I am going to see her later on to thank her for the information and also to give her the incident number I have been given because if she calls the police then they'll respond quicker with this I have been told. I wish I could get CCTV up!!!

You Cannot Have What I Do Not Own!!!

Link to post
Share on other sites

You have got to catch him on camera and fast. He is causing criminal damage to property and that is an arrestable offence. CCTV cameras are quite cheap and easy to install. Good luck with catching him at it.

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

Please keep us updated on this.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

This is absolutely appalling, who were the original lenders, is this thug part of that company or is he from a DCA. In my opinion I would get on to everyone I could think of to help. Telephone Watchdog tomorrow, contact the CAB or the local court.

 

What time of day does this person 'visit' to perform his vandalism? Ask and or insist that the Police take much more notice of this Crime. contact your MP, Daily Newspapers, anyone and everyone you can think of!!

 

Sorry to go on, but this kind of thing makes my blood boil!!!:mad:

Link to post
Share on other sites

That website is dodgy I must say.

 

For a start it doesn't display the Typical APR%, the repayments don't add up to the total amount payable (£50.10 x 3 doesnt =140), the application doesn't contain any pre contract info, no consumer credit licence number, no info about how they will process your personal data etc etc.

 

 

I wonder if it is licenced or is registered as a data controller?

Link to post
Share on other sites

That website is dodgy I must say.

 

For a start it doesn't display the Typical APR%, the repayments don't add up to the total amount payable (£50.10 x 3 doesnt =140), the application doesn't contain any pre contract info, no consumer credit licence number, no info about how they will process your personal data etc etc.

 

 

I wonder if it is licenced or is registered as a data controller?

 

Like i said my mum got this loan a long long time ago. She was put on to the guy by a friend so it is possible he is actually a loan shark. Some friend eh? I have been on the OFT site to get some information and the government thing that says report him to the police - which I have today - but they do not seem interested. I am going to start telephoning people locally that can help on Monday, my mum is due back on Tuesday so hopefully I can put her mind at rest a little by then.

 

I have found that the domain name is registered to the company, but that doesn't actually tell us much does it? Gosh, this is hard work but I couldn't stand it if my mum's health got any worse due to this absolute lunatic.

 

Thanks for all your help up to now

You Cannot Have What I Do Not Own!!!

Link to post
Share on other sites

you say she has had this loan since 1995???????

 

How much does she pay back a month?

 

JOgs

 

 

To be fair I have no idea. In 199X I was about very young. I know he charges £80 everytime he calls round to the house and he charges £35 late payment charge - that is even if you pay at 1 minute past 12 on the due day. I have no idea what the repayments are but I know she struggles with them because of all the charges he adds on. He doesn't even need a reason to come to the house. Sometimes he'll just turn up and he adds £80 on the total. He has taken goods from the house before too, including stuff that wasn't my mum's. He sells the stuff at auction then, but never takes what he makes off the total.

Edited by 42man

You Cannot Have What I Do Not Own!!!

Link to post
Share on other sites

When I lived in Salford this company prayed on the people from the poorer estates, didn't think they would be still operating. If you owe this outfit money, I feel sorry for you, they are like the Mafia.

 

Tread very carefully, I would not advise contronting any of the collectors without a baseball bat, and a rotwieler and I am not joking

Link to post
Share on other sites

When I lived in Salford this company prayed on the people from the poorer estates, didn't think they would be still operating. If you owe this outfit money, I feel sorry for you, they are like the Mafia.

 

Tread very carefully, I would not advise contronting any of the collectors without a baseball bat, and a rotwieler and I am not joking

 

Did any of the people there ever pay off their debts? And we were from quite a poor area ourselves, but like I said it was another woman who gave my mum the number. It's bad that they are allowed to do this though regardless of how "hard" they are. They prey on single women and the infirm by the sounds of it but I need to help. If I can help my own mum then I might be able to help other people in her situation.

You Cannot Have What I Do Not Own!!!

Link to post
Share on other sites

I have asked another of the team to have a look at this company :-

 

From the OFT Register:

 

 

Licence / Application / Validation Order NoLicensee / Applicant NameLicence StatusPPB Postcode 0622130

M A M Finance Ltd

Current E1 6SA 1

 

So they have a license at least.

 

You really need to speak to Trading Standards and again to the Police.

 

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

 

Licence / Application / Validation Order NoLicensee / Applicant NameLicence StatusPPB Postcode 0622130

M A M Finance Ltd

Current E1 6SA 1

 

 

I don't think this is the same outfit.

 

Quick Cash only operates in Greater Manchester. It seems that it's run by an ex-boxer called Mike Morris, whilst the licenced company above is run by one Salik, and is registered in Brick Lane, London, as a mortgage broker.

 

There's no licence linked to the Stockport postcode Urban Cash/Quick Cash use. The website not only looks amateurish, it also lacks details, such as APR, that have to be shown. Note that the link to 'repayment rates' actually goes to a page about boxing promotions run at the same address by another ex-boxer called Mike Armstrong (though I wonder if Armstrong & Morris are the same person). Neither the loan business or the boxing promoters are registered with ICO, unsurprisingly.

 

In any case, it all looks extremely dodgy.

 

The behaviour displayed by these people so far shows that this is clearly a matter for the police. However, Trading Standards may well be aware of the loan sharks, and in any case will be able to assist the police in dealing with them.

Link to post
Share on other sites

I don't think this is the same outfit.

 

Quick Cash only operates in Greater Manchester. It seems that it's run by an ex-boxer called Mike Morris, whilst the licenced company above is run by one Salik, and is registered in Brick Lane, London, as a mortgage broker.

 

There's no licence linked to the Stockport postcode Urban Cash/Quick Cash use. The website not only looks amateurish, it also lacks details, such as APR, that have to be shown. Note that the link to 'repayment rates' actually goes to a page about boxing promotions run at the same address by another ex-boxer called Mike Armstrong (though I wonder if Armstrong & Morris are the same person).

 

In any case, it all looks extremely dodgy.

 

The behaviour displayed by these people so far shows that this is clearly a matter for the police. However, Trading Standards may well be aware of the loan sharks, and in any case will be able to assist the police in dealing with them.

 

To be fair i think they are the same person. A family member commented on this earlier and said I always thought his surname was Morris when she came across Armstrong on the site. Is it possible that they jusdt have the same company name then, and they are not registered?

You Cannot Have What I Do Not Own!!!

Link to post
Share on other sites

You can get at the repayment rates page from

 

http://www.thequickcash.co.uk/rates.htm

 

Not that it offers much illumination:

 

Loan amount 11 weeks ( per week ) 3 Months ( per month ) Payable

£100 £12.70 £50.10 £140

£150 £19.00 £76.00 £210

£200 £25.50 £102.00 £280

£250 £31.80 £127.20 £350

£300 £38.18 £152.72 £420

£350 £44.54 £178.16 £490

£400 £50.90 £203.60 £560

£450 £53.00 £212.00 £580

£500 £64.00 £256.00 £700

Edited by smouk
Legibility
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...