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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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welcome finance court claim please help


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hi i wonder if someone could help my partner and his ex wife took a loan out with welcome finance about 5 years ago anyway they split up he thought ex wife had paid it back from sale of house anyway a week ago he got a court claim from welcome for a 1500. i in a panic sent back the form defeneding half as it was in joint names i now no this isnt a legal argument. we have no details of the loan i don't have a clue how much it was originaly for. i no now there is a lot of things i could of done to try and defend this is it too late now i sent that back i am furious with myself any advice please

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hi i wonder if someone could help my partner and his ex wife took a loan out with welcome finance about 5 years ago anyway they split up he thought ex wife had paid it back from sale of house anyway a week ago he got a court claim from welcome for a 1500. i in a panic sent back the form defeneding half as it was in joint names i now no this isnt a legal argument. we have no details of the loan i don't have a clue how much it was originaly for. i no now there is a lot of things i could of done to try and defend this is it too late now i sent that back i am furious with myself any advice please

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  • 8 months later...

hi i really hope someone could in january we recieved a court summons for my partner named jointly with his ex wife who he split from in 2002/2003 from howard cohen solicitors on behalf of welcome finance for £1300. i am young and good with money and my partner is no good with situations like this i paniced before looking into this properly thinking court baliffs etc and filled it in saying admit to half as it was a joint debt i then looked into it a bit more and realised they were not being fair with us really until the court claim we had not one think from them and we have been together 4 years. they also didn't specify anything about the debt when it was for what it was for or when it was defaulted on. so i wrote a letter to the court recorded delivery saying all of this and also that we thought the debt may be statue bare as we have no corrospondence of a welcome finance in the last 6 years that we are aware of. i phoned howard cohen and asked them for a copy of the credit agreement that they never sent to date. we heard up until yesterday when we recieved a questionare from our local court to fill in. what do i do? is there anything i can do? i am so upset with myself for filling the form in but i was terrified at the thought of courts and baliffs. what should i say on the questionare should i try and arrange something with the company? i really have no idea what to do!!:( our financial situation has now changed since january and we dont have the same money spare to pay that we put on the form in january what can i do about this? thankyou so much for reading this any help would be appreciated

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i also forgot to say that the ex wifes papers were served to the house they lived at together she hasn't lived there for 6 years and has gone abroad

 

 

If you not made any payments to the account for the last 6 years it is barred and cohen know it is barred and they are using court action to itimidate you into making a payment - Pay Nothing - do not write or phone them. - Also make sure other party to agreement has made no payments and has no correspondence with them.

 

Write back to the court stating that you will not plead as the account is statuary barred. But if you have sent paperwork back admitting debt seek legal advice ASAP. Could not be too late especially important not to make payment though.

Edited by deckermbnahater
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hi thankyou for your reply i wish i had known this straight away can i do this even though i replied admitting to half is it worth telling the court i did this as the first we heard was a court claim i felt terrified and in panic replied which i am guessing is exactly what cohen's wanted:mad:

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we have no details of the debt but looking through bank statments there are payments to welcome finance and we have bank statments back to 2003 he has no recolection of the debt but his ex wife used to take door step loans out but he left in 2002 so it would of been taken out before then. we have no corrospondence from them what so ever until january when a court claim arrived. sorry if that is a bit vague but they have failed to provide us with any proof of the debt any the paticulars of the claim were very vague

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i have no idea i presumed there may be a back log but i contacted the court in febuary who said they were waiting for instructions from the claimant. then nothing till we had a letter about a week ago from court saying the claim had now been passed to the district were we live and we would be advised of any directions ordered (something along them lines) then we got the allocation questionare yesterday

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this is for starters

not finished yet

 

 

Letter sent when debt is statute barred (send recorded)

 

1 High Street,

Newtown,

Kent

R21 4RH

 

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Acc/Ref No 4563210025897412

 

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to CPUTR2008

 

We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

We look forward to your reply.

 

Yours faithfully

Mr A N Other

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welcome Financial Service Claimant

 

 

V

 

 

Mummyto1 Defendant

 

 

 

 

Claim Number

 

 

Date

 

 

Dear Sir /madam

 

 

With Reference To The Above Claim, The Defendant Respectfully Asks The Court To Withdraw Any Addmission Made By The Defendant.

 

 

The Defendant Has Only Just Been Made Aware That The Claim Is Infact Statute Barred And That Welcome Financial Services Has No Claim.

 

 

EncloseD Are The Relevent Case Law And If Howard Cohen Solicitors Wish To Refute This Allegation, The Claiment Will Await There Response Before The Next Hearing.

 

 

one More To Go

 

If Anybody Cares To Join In

 

Be My Guest

Edited by postggj
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this One Is For Cohen

 

Dear Sir/madam

 

With Reference To The Above Claim Which Your Company Is Handling.

 

I Have Today Sent To The Court A Statement Showing That Welcome Financial Services Have No Claim In This Matter.

 

The Account Is Infact Statute Barred Under The Limitations Act.

 

Unless Welcome Financial Services Can Provide Absolute Confirmation To The Contrary, An Application Will Be Made With Costs For The Claim To Be Struck Out.

 

They Defendant In This Matter Requests That Welcome Financial Services Withdraw This Claim At Its Earliest Opportunity,

 

i await your response

Edited by postggj
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What You Need To Do Now Is Put The Three Letters With The Aq In A Pile And Photocopy Or Print Off

 

Send One Copy Of The Three Letters With Aq To The Local Court

 

The Second Lot To Cohen.

 

Most Important

 

With Cohen, Send Recorded Delievery

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