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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.   
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      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.

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TXTloan refusing to help


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I took out a loan with TXTloan this month. It's not something I do often but I do usually find TXTloan easy to deal with, convenient and not too expensive. I borrowed £100 and will be paying back £110 on 30th Sept...

 

EXCEPT that this morning, while I was straphanging on the bus, some scrote nicked my wallet out of my bag. Luckily all that was in there was about a fiver in cash, some stamps, my Nectar card and my Debit card. More upset about losing the actual wallet, to be honest, and some photos that were in it... Anyway, Natwest cancelled the Debit card straight away when I called them, replacement to come, very efficient.

 

But then I emailed TXTloan and explained my circumstances - I am happy to pay back my loan but won't have a replacement debit card for a week-ish, so can I have bank details to do a transfer. Answer: NO. Absolutely not. Unless we can take funds from your debit card on the 30th, you'll be charged myriad fees and penalties and we'll strike you down forever blah blah. Me: but I don't HAVE a debit card, it's been stolen. THEM: tough.

 

Any advice??

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Just a quick reply i would check your bank account on the 30th as they still maybe able to get payment from the card as they will keep trying to take payment as this is the only details they have for you, i know it don't help with your question much but im sure someone who knows more will be along soon

 

mightyroyals

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Well, if they can take payment from my card all the better - at least they won't try to charge me for being late... Although Natwest did say the card would be cancelled immediately as it was stolen - my PIN wasn't with it or anything, and I've checked and no-one's tried to use it online or anything today.

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I took out a loan with TXTloan this month. It's not something I do often but I do usually find TXTloan easy to deal with, convenient and not too expensive. I borrowed £100 and will be paying back £110 on 30th Sept...

 

EXCEPT that this morning, while I was straphanging on the bus, some scrote nicked my wallet out of my bag. Luckily all that was in there was about a fiver in cash, some stamps, my Nectar card and my Debit card. More upset about losing the actual wallet, to be honest, and some photos that were in it... Anyway, Natwest cancelled the Debit card straight away when I called them, replacement to come, very efficient.

 

But then I emailed TXTloan and explained my circumstances - I am happy to pay back my loan but won't have a replacement debit card for a week-ish, so can I have bank details to do a transfer. Answer: NO. Absolutely not. Unless we can take funds from your debit card on the 30th, you'll be charged myriad fees and penalties and we'll strike you down forever blah blah. Me: but I don't HAVE a debit card, it's been stolen. THEM: tough.

 

Any advice??

Message from TxtLoan to nonymouse and readers of this blog.

 

Firstly, in such unfortunate situations as far as one has sufficient funds available and account is not suspended there is no problem on due date.

 

On the other hand, if you have cancelled the card simply notify us in writing ([email protected]) and we will find other means for the payment.

 

We are sorry if you have had bad customer support experience, we are here to help and not make things more difficult.

 

TxtLoan Team

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Dear Txtloan team

 

If you had read my post above, and if you had read the email I sent you yesterday, you will note that I HAVE notified you in writing that I have cancelled the card as the card has been stolen and I HAVE offered to make other arrangements for the payment. Unfortunately, the reply you sent to my email made it clear that you are not willing to make alternative arrangements for payment. Funny how you can come onto a public website and be all lovely and nice and 'here to help' but you can't do that when I contact you by email, isn't it?

 

IF you send me your bank account details I WILL make payment of the £110 I owe you tomorrow by direct payment. I will NOT be paying any further charges for late payment.

 

Thank you.

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  • 3 weeks later...

hi i am dealing with these clowns - whilst i take full responsibility for taking the loan the help any off these companies offer if u come into trouble is a joke - i sent them a letter stating i couldnt pay back and can i set up an arrnagmeent they declined and said that for a £100 loan total i would pay back is now £200 if they cant take full payment from my account i have said fine send it outside company and then i will negotiate with them and get them to take off the unlawfull charges

 

in reality wen these companies sell your debt the sell it for around 80% of the value becasue they are making money anyway as they are covered by insurance plus they get the money from the sale of your debt so its happy days for them

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They are nothing short of useless I can tell you!!

 

I sent them a snotty email telling them to stop calling me at work and they replied and said that they were not calling me as my debt had been passed to a DCA - well funnily enough, I recall they have an internal DCA, also quoted them the telephone number, have now just had an email asking for my mobile number so they can identify me, funny how the guys surname is nastasio!!! Wonder if that is made up or not LOL!!!

 

Are we able to get the unlawful charges removed by going down the same process as you do with the banks and credit cards?

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the unlawfull charges can be removed by yourself just have to stick to your guns if these people threaten you with legal action tell them great see u in court as they would not go to court as they no there apr is ridiclous and there contracts are not worth the paper there written on also fair enough we all took out these debts granted but if they were willing to help we wouldnt be refusing to pay there silly prices negotiate well and u can save yaself a fortune all these companies are insured and if they do pass it over to collection agent u have won casue they are easy to deal with and accept full and final settlements offers - some companies maybe not on first letter but if u chuck in sob story about how ure thinking or going bankrupt as its your only option or u are moving abroad for family reasons they bite your arm off as they think they will never see a penny little bit is more than none

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Hi all, new to this site, but had to join as I am having a nightmare with txtloans. When I applied for one loan, after being 2 weeks away on holiday I rcvd emails stating I was overdue and owed 200 on one loan. Apparently I had requested 2 "parallel loans" without even knowing it, even tho my website screenshot only showed one and I had never heard of 2 Parallel Loans!! Has anyone here ever had 2 parallel loans going the same time with txt loan. They claimed it was for a valuable customer although they never informed me ever about such an offer. I have now today rcvd an email stating that there Parallel Loans offer has been withdrawn by the company, but I am adamant that this has only been used to throw me off the scent that they had messed up and I should have never had 2! It has caused loads of problems with txtloan not once ever offering a reason or reply. I want to find out if this is all one big lie by a horrible company or whether I am one of many who have had these parallel loans. Their website and terms and conditions dont say anything at all about it- HAVE I BEEN LIED TO FOR MONTHS BY A SQUIRMY LITTLE LOAN COMPANY??? PLEASE HELP

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  • 1 month later...

what do u expect there call center is in estonia...these people do not have a shred of compassion in them yes u owe the money yes u want to pay but because circumstances change ie wallets stolen etc they will not accept any other form of pmt...ridiculous

customer service skills need improving out there me thinks

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  • 1 month later...

I understand the frustration of the original poster as it can be difficult sometimes to deal with loan providers in exceptional circumstances, although most will usually help out where a card has been stolen.

 

Some of the subsequent comments are also understandable to an extent, but it never ceases to surprise me how some people enter into certain credit arrangements, default on repayments and then claim that the charges are "unlawful".

 

I think TxtLoan offers a pretty clear service, for better or worse. If you take a £100 loan, you should be willing and able to repay the required amount back within 7 days (£110 isn't it?). It's a short-term or emergency loan. If there is a strong chance that you won't be able to pay the full amount in 7 days, you simply shouldn't take out the loan.

 

BTW Just because an APR is high does not mean that the charges are "unlawful" - many of the banks have already argued successfully in this respect, so be careful not to adopt such a view.

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  • 2 weeks later...

garysonjack, how have you been done over? By your own admission companies like txtloan have a reason to charge high APR as their lending is high risk. If you enter into an agreement knowing that you need to pay back the balance within a week or so, I'm not sure you can say that you've been done over just because you miss the repayments.

 

Unless something else happened to you?

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  • 3 weeks later...
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