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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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Capital Finance One - Help please!


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Hi,

 

I got accepted for a payday loan of £100 on Tuesday with this outfit.

 

I phoned up to confirm the loan with some guy who was so rude and miserible that if i wasent desperate i would have just told him to stick it and shove his money up his ****.

 

They said the money would get put into the account same day and would take 24 hours to clear.This was Tuesday and still nothing!

 

I have been stung havent i , do these companies wait until payday and clear your bank out and you havent got a leg to stand on?

 

am worried sick and kicking myself for making such a stupid mistake.

 

has anyone had dealings with this compine and if so have you had problems.

 

thanks in advance

 

Lil

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Hi Lil - these companies are no saints but I have yet to see them clear an account when they have not provided funds. You could always 'lose' your card and get it replaced. Hope you can get by without one of these loans because unless you treat as a one off you get sucked in deeper.

 

Good luck

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Hi Lil - very unlikely that you will receive funds now. These companies usually want the cash in your account asap,before you change your mind.

 

 

Ok,

 

So if i have been accepted and the guy said that they have been put into the account why have they not?

 

they have all my details and i have a agreement . do you think they will take out the money i never got on payday?

 

sorry to be a pain its just i am very worried

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I'd give them a call. If you've signed (or ticked a box on) an agreement they should have transferred the funds - the problem could be their end or with your bank.

 

(I should say I have used this company in the past and found them fine and not unscrupulous as long as you pay them back on time - although I probably wouldn't use them again due to the high interest rate they charge)

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Lil

 

These companies are a law into themselves and what they will do is not an exact science. By all means call them again. I suspect they have found a reason to decline you and have not had the manners to tell you.

 

You can of course cancel your card if them taking the cash causes you acute problems, whilst you would probably get it back it may take some time.

 

You have had a taste of their customer service, imagine their approach if you have difficulties paying

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just had a e-mail to say there systems have had problems and if i want to cancell it i just need to call.

 

Thanks god.

 

Luckey for me aswell is that my debit card expires and of month so i have just got my new one so hopefully they wont be able to take money out anyway.

 

phrrw!

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Hi Lil

 

Glad you seem to have it sorted abd without the need for their loan :)

 

Cancelling (losing/stolen) a card rather than allowing to expire would seem to be the best way of ensuring transactions don't go through, however in your situation where you have not had the loan you should be OK.

 

Just keep an eye on your bank.

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Hi Lil

 

Glad you seem to have it sorted abd without the need for their loan :)

 

Cancelling (losing/stolen) a card rather than allowing to expire would seem to be the best way of ensuring transactions don't go through, however in your situation where you have not had the loan you should be OK.

 

Just keep an eye on your bank.

 

 

Will do.

 

Again thank you everyone for there help

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  • 2 weeks later...

I hate to give you some bad news but here goes..

 

I applied with these people on the 11th August and was accepted, signed the agreement and everything was set. I waited 3 days for the money to be deposited. I called them a few times and was told that they were having banking issues and the money should be with me by the end of the following week. They use BACS so the money would never be in the account on the same day, so this is a lie, i asked and was told BACS was the only payment option they have.

 

I called on Wednesday last week to ask where the money was and was told that the money should be in by the end of the week. I didnt realise that i was also due to repay my loan on payday which was Friday last week.

 

I figured since i hadn't got the money from them i'd be fine. However, it has come to my attention that they have taken money from my account, even though i've never recieved the money from them!

 

They have taken two payments from my account, one for £175 and one for £52. There have also been other payments but they were declined because there wasn't any more money left in the account. Since i transferred the money out of my account into my savings account. I have asked my bank to treat these payments as fraudulent and have started the process of reclaiming this money.

 

Now that its bank holiday I can't call them until Tuesday.

 

I'm soo peeved off, this is a joke.

 

Thanks,

 

Michael

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This company is a joke! I took out a loan with them but cancelled within the 14 day cooling off period as the money had still not cleared after a week.

 

Fortunately they haven't taken anything from my bank but this is probably only due to the fact that I cancelled the loan.

 

I hope you get your money back from the bank Michael, I really do. If I can be of any help please don't hesitate to contact me.

 

Katpuss

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Thanks, Katpuss.

 

I've signed the forms that i recieved from my bank just waiting to see what happens, does anyone know what the likely outcome is? I've got a baby due in 5 weeks, i could use the money back!

 

I've tried emailing the company numerous times and calling them but no reply.

 

 

Thanks,

 

Michael

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I've recieved an email from Capital Finance One this morning. In desperation (broken car!) I took a loan with them a few months ago and paid it back but haven't used them since, and now they've contacted me as a 'valued customer' to tell me they are 'back' and that the system problems they were having are 'solved' and that if I want another loan I only have to ask. Frankly I won't be using them again unless I absolutely have to, but it sounds like there's someone in the office right now if anyone with an issue wants to give em a call...

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Ooh.. May have goten somewhere.. I did a whois on the domain name (Whois Search - Domain name whois) and called the number for the domain contact (0208 number) and spoke to a lady who said they were a different legal entitiy to them but she would try and get hold of somebody to call me back.

 

Fingers crossed!

 

 

-Michael

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Hi There All

 

This is my first post but had to comment as I too am having dramas with Capital Finance One.

 

I had a payday loan with them back in June which I paid back in full. Seemed really easy and straightforward.

 

Since then I applied for another but got declined and thought nothing more of it until the Friday just before the bank holiday just gone when they took £325 out of my account for no reason!!!!!!

 

I'm currently doing my best to get this back. I too have been assured that my refund is being processed and it can take up to 48hrs. They wanted to see my bank statement to prove I hadn't had the loan as from their end they insisted I'd had it.

 

I've done all my dealings with them by email. Should this help? At least I've got something in writing, right? Is there anyone out there who has successfully got a refund from them?

 

They said on Tuesday that the accounts team " are in the process of making the return payment but have not given a time frame". I've kept pestering by email to see if I can get them to actually say that its been processed and exactly when but they haven't given me this info.

 

If what they say is correct then I should be getting funds today or tomorrow so I'll post again with any progress. I have to say that sadly I'm not holding my breath and I'm getting really stressed out about the whole thing.

 

Any guidance or shared experiences would be most appreciated.

 

Oh, forgot to say that I've opened a new account to get my wages paid into so that they can't clean me out again!!!

 

I would recommend this to anyone else who has recently had a loan declined or maybe even if you haven't received your money - if you've got internet banking you can open a quick savings account online (that's what I did) and you've got a sort code account number straight away to give to your employer. I wouldn't leave anything to chance with this company.

 

Look forward to anyone's comments on this.

 

Ta very much!

 

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Update - still no refund - three days have gone past. I've had a response to my chasing up email saying that my refund has been processed but no specifics again.:(

 

Meaton - have you had your refund???

 

Does anyone have any advice on who I can complain to about this. Is it OFT? I'm not sure where to start and I've got a feeling that I'm just being fobbed off.

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I think you're right, Robjam, about them being about to go bust.

 

I chased up my refund by email (again) and got a reply to say that there was a 'problem with the system' and so they are having to process the refund again????? I still haven't been given any reference or specifics or details of anyone I can speak to in accounts despite asking for it more than once.

 

I've taken your advice and spoken to my bank about this and they are going to investigate it as fraud.

 

I'll keep this thread up to date about what happens.

 

Thanks for your help :)

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Well there's definitely still been no refund but I wasn't exactly convinced of their sincerity about that!

 

I got a call back from the bank today and although they can't treat it as fraud (because I did actually give them my details albeit for a completely different agreement) they have asked me to go in to a branch and complete a 'non fraudulent dispute form'. I'm also going to give them copies of the emails I have from Cap Fin One admitting that they shouldn't have taken the money and then the bank takes it up with them to get me my refund.

 

Fingers crossed!

 

I'm going in to the bank on Thursday to do the form so I'll keep everyone up to date on progress.

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