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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.  
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      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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LLoyds Loan default notice - is it ok?


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I want to make an internet pymnt to my Lloyds loan but do not have their a/c and sort details. Have tried ringing them without giving any personal info but got nowhere and don't want to engage in conversation. If I use the details for my Lloyds credit card but with the different reference number will that work?

 

I have sort 77 29 00 / account 00000000

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Brother had same problem. Local branch said they did not have the info.

He contacted the loans collections dept via a freephone number 0800 389 4020

This is for mortgage collections, ask to be transferred to loan collections.

 

they said the sort code and account number are:

77-77-90 90000468 You might like to check yourself to make sure it is correct.

 

You need to quote the loan account number as the reference.

Edited by Artie44
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I've received a DN on a loan account. The date on the notice is 30th Sept and the envelope is marked 1st class. I received it on the 2nd Oct and the outstanding amount needs to be paid by 19th Oct. Is this working to the correct timescales please? It is only asking for the arrears and not the full balance of the loan. Thanks.

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By what you've described it sounds kosher, but it would be better if you could scan it or take a digital picture & post it up so we can have a look at it because besides the time period there are other things which must be compliant.

 

Also, just to make things even more interesting now, there are two types of notice. There is the 'Default Notice' itself which is issued prior to a default being registered on your credit file and then there's the 'Notice of Default' which is sent to notify you that you're in arrears.

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OK, thanks for your advice. I'll take another look.

 

 

Please can someone take a look at this default notice and advise if it is correct. There is a second sheet which I haven't attached which just includes a couple of lines about Citizens Advice.

 

Shall I bother rewriting to them?

 

Can someone please help with this attachment? Many thanks.

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I rang to loan dept on my letters and was answered by their in house solicitors. As the loan a/c starts 1000, she told me to put 1000 as the sort code and then the rest of the a/c number as the account number. I told her the online banking will not accept 1000 as the sort code as it needs 6 figures but she had no clue what I was talking about!

 

Then she gave me my current account number and sort code! Useless.

 

I can only think that I will have to post a cheque with my pro rata payment as I am worn out with this. Sorry.

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My brother says the sort code and account number I gave you are definitely correct. He has been paying by standing order for six months.

 

I suggest you pay £1 and then check that it has reached your loan account.

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Artie, thanks so much, I have rang the 0800 number you mentioned and got xferred to loans and they confirmed the sort code and a/c number you quote is correct. Finally, so I have set my payment up. Thanks again.

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  • 2 weeks later...

I have received a letter from SCM solicitors on behalf of Lloyds ..... I wonder if this their in house DCA? Obviously they are asking for full pymnt and I have recently had a valid DN. I requested a copy of my CCA last week from Lloyds at the address on the DN letter. This letter is dated more than a week after my CCA request. Question is, shall I rewrite to SCM advising them of this?

 

Cap 1 have written to me terminating my account a few days after I placed the AID. Shall I just ignore this letter for now?

 

Having one of those days when everything feels like the end of the world!

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I have received a letter from SCM solicitors on behalf of Lloyds ..... I wonder if this their in house DCA? Obviously they are asking for full pymnt and I have recently had a valid DN. I requested a copy of my CCA last week from Lloyds at the address on the DN letter. This letter is dated more than a week after my CCA request. Question is, shall I rewrite to SCM advising them of this?
Send them this http://www.consumerforums.com/resources/templates-library/86-debt-collectors/575-letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-

Cap 1 have written to me terminating my account a few days after I placed the AID. Shall I just ignore this letter for now?
Yes the balls in their court now.
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Thanks very much. The 12+2 days is not yet up, so shall I hold off sending this reply until then? SCM have given me 14 days to pay up so I should be within the timescale before any other action is started? Thanks.

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Unbelieveable, my £1 postal order has been returned to me by Lloyds loan centre advising me that it cannot be allocated to my account because it is not made out to the payee correctly. The £1 was for the CCA request and my letter template clearly stated this!

 

Where do I go from here ....... their time is up this week for the 12+2 days but is now with their solicitors. Do I still continue with the AID letter if they don't comply even though they have returned my postal order????

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Do I still continue with the AID letter if they don't comply even though they have returned my postal order????
Yes & send the solicitors this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/575-letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-
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b7fd38.jpg

 

I have now received a copy of the requested CCA. Can only get the 1st page loaded so far. It looks like all the terms are there and then there are 2 further sheets ....... 1 is a direct debit mandate and the 2nd is the signature page. Just wondering, should the signature not be on the same page as all the terms ??

 

Can someone please take a look and advise me. Many thanks.

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