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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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      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.

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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.
      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
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dual citi/DCA entry on Credit File


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Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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not in my opinion anyway.

 

Entry on Credit file from a DCA, allegedly sold to them by a lender. Lender also had an entry but it has since been removed after my requesting the duplicate be removed by either of them (lender or DCA)

 

I sent a CCA request to the DCA shortly afterwards who responded with the 'we're looking/requesting it but in the meantime we've suspended your account while doing so'

 

With that in mind I wrote to Experian enclosing copies of the letter from the DCA showing that they did not have my credit agreement and the account was suspended...I also stated that the DCA have not provided a copy of the assignment notice from the original lender either.

 

Experians answer was to simply issue a notice of correction to the entry which does little or nothing as far as I'm concerned and went on to state that it is the DCA that needs to request the default removed.

 

Experian in my mind are a complete waste of time, they allow entries that quite clearly should not be there, they ignore all proof that you send in and they simply quote the usual 'we're not responsible for the data held'

 

So, to progress this? Raise a complaint with who? and send the DCA the 'processing of data' letter from the templates section?

I reside in Dawlish Warren but am not a rabbit.

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I agree re the asking for a lot, however the default until recently was duplicated and the DCA has not as yet been able to provide an assignment notice let alone a CCA and we're almost 5 months on since the various requests went it.

 

The DCA have stated to Experian that they want the default to stay on and yet when pressed they have not supplied a shred of evidence to suggest they own the debt or can even enforce it.

I reside in Dawlish Warren but am not a rabbit.

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  • 4 months later...

or is it Hllsden Securities or Hillsden Securities Ltd, they seem to change with each and every letter.

 

In any case , I'm sure they've sent this to oodles of their alleged customers ..

 

http://www.partnerpick.com/userspace/user6730/hillsdenMar10.jpg

 

quoting the McGuffick case as their defence in collecting on a debt that they have as yet to supply a CCA for....

 

Their wording/interpretation leaves me a little confused, they of course are sending it back to their 'collections' depart so that activity can recommence? really, how nice of them but not from me it wont.

 

But anyway, they quote from guidance from the Credit Services Association (yes them oiks)..why anyone takes the Credit Services Association seriously is anyones guess.

 

But their interpretation of the judgement mystifies me in that 'bringing of proceedings is not enforcement'? Do they mean that by registering a ccj against you that it is not initself enforcing the debt? How is that? You don't pay a ccj and the plaintiff simply goes back to court for either a charge or bailiffs or whatever....but that to me in enforcement....

 

They may argue that the ccj initself is not enforcement but if that is the case then any action after that is enfocement (bailiffs charge) and as such cannot be taken....this leads me to my own interpretation that if they take a ccj and you don't pay it then they cannot take you back to court for bailiffs or charges etc...thus rendering the judgement useless and their collection of it null and void....

 

Of course this is second to the incorrectly assigned debt paperwork they've previously sent and charges added that they are not

legally entitled to do under the original credit agreement which I have and they dont and which I'm waiting for them to send me

almost a year ago of asking.

 

Bring in on I say....

 

Note: The above link is to paperwork they sent me direct, I've edited their barcodes/dates/account numbers out and any of

their strategically placed ref numbers in -1 print etc....sneaky are them.

I reside in Dawlish Warren but am not a rabbit.

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remind them that even the Credit Services Association, say they cannot collect on a agreement untill one is produced. To quote from their FAQs "If you ask the creditor for a copy agreement (with a £1 fee) and this is not provided within 12 working days the agreement is not written off. It does mean that the creditor must stop collection on the agreement until one is later provided." That is so to speak from the horses mouth.

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  • 1 month later...

on a credit file and it's duration.

 

Default issued on a debt stays on the file for six years from entry, no problem with that....

 

and I'm sure it's one debt only one default notice......

 

but, if a debt is sold on in full title i.e full assignment...is the new owner of the debt entitled to enter a new default which may then extend the default (albeit in a different name etc)

I reside in Dawlish Warren but am not a rabbit.

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thank you both for that....

 

I did have a double entry but have had that removed...

 

----

 

All my current defaults will drop off my credit file in less than 5 months but I am expecting at least two of the dca's to try and add them back at some point. I've kept all credit file entries/dates etc and took a snapshot of my credit file today but because I'm in dispute with a few dca's and I can see that one of them has recently credit checked me ...for what reason I do not know....but I expect the unexpected so to speak.

I reside in Dawlish Warren but am not a rabbit.

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My thoughts too, there seems to be an upsurge in DCA's trying it on as a debt nears SB. I have also noticed that many of the DCAs just put 'card' making it more difficult to associate their entry with that of the OC. In my case I have the OC account as settled and on the same date a default is entered as a fresh file by a DCA which continues to update.

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In my case I have the OC account as settled and on the same date a default is entered as a fresh file by a DCA which continues to update.

 

Yep, that sort of thing is what I expect....what if any action have you taken against them?

I reside in Dawlish Warren but am not a rabbit.

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Are these idiots actually resident on our planet because they sure seem so far up themselves they're on Uranus...

 

Seldom do I get a letter that makes me laugh as much as this one today has

 

http://www.partnerpick.com/userspace/userAF9803/zinc1a.jpg

 

So, their 'indepth desktop investigation' has shown I own property...um do I now? - Some 'investigation' that was to bring up out of date/useless/non relevant/non factual information - STRIKE ONE!

 

Their client 'Citibank?' Um, that is news to me, the last activity on this account was me requesting a credit agreement from a different DCA some 9 months ago the interesting thing is the last DCA actually sent me a year or so prior to my CCA request an assignment that they owned the debt.... STRIKE TWO!

 

So who does own the alleged debt? I thought an assignment meant that the assigned (full title) owned the debt in full? Either Zinc or the previous DCA are fibbing or maybe they both are (shock horror)

 

Of course the account is still in dispute, no paperwork that I requested last year has been sent/offered so ZINC can sit and threaten to indulge themselves in my non existent 'owned' property as much as they can....but will I respond to their very kind/thoughtful letter or should I just ignore them? (opens file marked 'No Hope' and enters Zinc into the section marked 'No Hopers'

 

What idiots these people are, their letters are nothing more than bullying tactics and veiled threats but in reality they're as toothless as they are thick.

I reside in Dawlish Warren but am not a rabbit.

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[ur]Anus is right, as far as I can see, as they seem to be speaking out of their collective orifice

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Report the original creditor for passing on a debt to many agencies AND for passing on a debt clearly in dispute.

And report Zinc for encouraging you to borrow against the equity in your property.

 

I too have just completed a thorough desktop investigation but I still can't find my blinking glasses.:grin:

As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

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What a hilarious letter filled with humour

''Our in depth desktop investigation'' Studying the paperclips and sharpners

''Your current domestic residence'' The place you call home

''Resolve this debt to everyone's satisfaction'' It is already resolved to your satisfaction :)

 

 

And you have to laugh at their address 93 HOPE Street surely that should be NO HOPE Street

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:: Licence Details

 

Application / Licence Details

 

 

 

Licence Number:0624362

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Complete Credit Consultancy Limited6450797

 

Categories:

 

Debt collecting Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Zinc Collections Zinc Commercial Recoveries Zinc Credit Management Zinc Recoveries

 

Issued Date: 31-Mar-2009

Date Maintenance Payment Due: 30-Mar-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Sharon Wiggins

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddress Correspondence25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United Kingdom Principal Place Of Business25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United Kingdom Registered Office29, Wood Street, Startford-Upon-Avon, Warwickshire, CV37 6JG, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Registered Office29, Wood Street, Stratford Upon Avon, Warwickshire, CV37 6JG, England

 

 

Dynamic.aspx?text=Back Dynamic.aspx?text=History

 

 

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©Copyright 2007, Office of Fair Trading Version 1.0.2.16365

 

Partners In Enforcement: Office of Fair Trading, Consumers Association, The Information Commissioner, Financial Services Authority, OFTEL, The Office of Gas and Electricity Markets and every Trading Standards Service in Great Britain.

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Name & Registered Office:

COMPLETE CREDIT CONSULTANCY LIMITED

29 WOOD STREET

STRATFORD-UPON-AVON

WARWICKSHIRE

CV37 6JG

Company No. 06450797

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 11/12/2007

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6522 - Other credit granting

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2008 (TOTAL EXEMPTION SMALL)

Next Accounts Due: 30/09/2010

Last Return Made Up To: 11/12/2009

Next Return Due: 08/01/2011

Last Members List: 11/12/2009

Previous Names: No previous name information has been recorded over the last 20 years. [/url] There are no UK Establishments associated with this company. There are no Oversea Details associated with this company.

 

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Stratford address reminds me of Intrum Justiita who before Liverpool I think used to have some association with Stratford Upon Avon (either them or Bristows & Sutor.

 

Having said that I'm sure somewhere I read that Mackenzie Hall were in bed with them (are them)

 

As for reporting them, that is exactly what I'll be doing, bunch of idiots they are....how dare they, HOW DARE THEY....DO THEY NOT KNOW WHO I AM? :)

I reside in Dawlish Warren but am not a rabbit.

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