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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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      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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Matt Poole vs Lloydstsb


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Hi again Matt,

 

Yes, most definately send a copy to the court. It will then be on your file that you've attempted dialogue and should they not respond within a month, you can then send another letter asking why not. To request a stay to negotiate settlement and then not even bother to respond to your correspondance is abusive of the system an probably a breach of the CPR's, so it needs to be brought to the attention of the court.

 

Nearly there now!

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Dear All,

I hope you are well and your claims are going well. I'm slightly confused and need some help!

Lloyds TSB has requested an additional month to attempt settlement, so I have sent the template letter above to ask them to settle! However! After reading some other threads am I meant to write to the court to ask for the extra month wait to be removed? I have found the below letter: The reason I am confused is, I need to send the court a copy of my letter to SC&M showing that I have attempted to settle, but I guess I should send the below letter first, otherwise I would look like I agree with the extra month! Help!

Thanks Matt

 

The Court Manager

Birmingham County Court

33 Bull Street

Birmingham

B4 6DS

 

13 November 2006

 

Dear Sir/Madam

 

Matthew Poole –v- Lloyds TSB Bank

Claim No: 6QZ66660

 

I have today received the completed allocation questionnaire from the defendant bank, in which they have requested an additional month to attempt settlement.

 

I respectfully request that the application to delay hearing of the above for one month is refused, and this case be allocated as soon as the court timetable permits.

 

It is submitted that in a claim for £2,470.35, where the defendant has so far refused to enter into a meaningful dialogue with myself, that the defendants request for moré time is not reasonable. Had the defendant been prepared to bring this matter to conclusion, it would have entered into meaningful dialogue with myself, with the intention of settling, before I was left with no alternative but to commence court proceedings.

 

I therefore respectfully request that their request to halt proceedings for a further month is not granted.

 

The Overriding Objective

It is submitted that the Overriding Objective requires that my case be allowed to proceed speedily so that a just settlement may be obtained by the parties to this case. There is no complicated issue of law. The common law relating to contractual penalties is settled law since the late 1800s and has been reinforced as recently as the Unfair Terms in Consumer Contracts Regulations 1999 which itself is the result of a European directive.

 

It will be settled out of court and therefore produce no useful decision from a higher court.

 

It is further submitted that the defendant in the instant case has no intention of going to a hearing.

 

It is submitted that the pattern of cases settled so far suggests very strongly that the banks are merely using the justice system as a publicly funded means of intimidating their customers and dissuading them from pursuing their legitimate Right.

 

It is submitted that this is abusive of the justice system and of the public resource.

 

 

Balance of convenience

The defendant has entered my name on the default register, which it and other banks routinely do in respect of unlawful penalties which are unpaid by their customers. The banks have direct and privileged access to this register. They have no need to obtain a County Court judgment before they may enter a default on the register. This default remains on the register for 6 years and causes enormous damage to reputations. Whilst my name remains on the default register as a further penalty for paying unfair charges I am finding it impossible to get credit or a mortgage without paying higher charges.

 

It is submitted that a further delay may potentially mean great difficulty for me and yet be insignificant for the defendant bank. In fact a stay is supportive of the banks litigation strategy, which is to take the claimant to the door of the court and then to settle the claim.

 

The Status Quo

granting the defendants request does not maintain the status quo. As submitted above, this favours the bank by preventing the claimant’s pursuit of his legitimate remedy without placing any restriction upon the banks activities which the claimant submits are unlawful and/or retaliatory.

 

 

The OFT and their powers under the Unfair Terms in Consumer Contracts Regulations 1999

The Unfair Terms in Consumer Contracts Regulations 1999 gives the power to the Office of Fair Trading to seek injunctions to prevent the use of unfair terms in consumer contracts. More than that, the UTCCR specifically prevents the private citizen from pursuing this remedy on his own behalf.

 

The OFT conducted a 2-year investigation of the contractual charges regime. They received a great deal of confidential evidence from the banks.

 

The OFT has already announced that it considers that the contractual penalty charge regimes of these financial institutions are unfair.

 

It is not at all clear why the OFT has not now proceeded to seek injunctions in the face of the banks’ refusals to comply. This is particularly serious when the Regulations have prevented the citizen from doing so.

 

 

 

In the alternative

If the court decides not to accede to my request I respectfully request that the court issues the following injunctions:

  • That the defendant is prevented from making any entry on its own systems or from communicating any similar information to any third party about any matter insofar as it relates to penalty charges until the final settlement of the matter.
  • That the defendant remove any derogatory entry on its own records insofar as it relates to penalty charges.
  • That the defendant arranges the removal of entries from the records of any third parties to whom it has previously communicated information insofar as it relates to penalty charges. (The Court has the power to do this under the Data protection Act 1998.)
  • That these injunctions remain in place until the settlement of my claim
  • That should my claim proceed to a hearing that a decision should be made at the hearing as to whether these injunctions should be made permanent
  • That if the matter should not proceed to a hearing because the defendant decides to settle outside court, that these injunctions should become permanent.

Additional orders

If the court does accede to my request then I respectfully request that the case be allocated to the small claims track but that the defendant be ordered to make standard disclosure.

 

It is submitted that an order for standard disclosure will assist greatly in bring these and other similar claims to a speedy and just conclusion.

 

The matter is suitable for the Small Claims Track as it involves no issue of law – the law is well established. It only involves questions of fact – in particular the true costs of the banks default charges system. The OFT has already formed its conclusion about this. Standard disclosure will put the matter beyond doubt. As I rely upon the bank as my fiduciary it is clear that they have a duty to act in utmost good faith in relation to their conduct of their contract with me. I submit that they do not act in good faith in relation to me or their other customers in the matter of penalty charges.

 

 

 

Yours Faithfully

 

 

 

 

Matthew Poole

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Just becouse they requested the month does'nt mean they'll get it. Thats down to the discretion of the judge at the end of the day, and assuming you ticked 'no' to the month on your AQ, they probably won't get it. Only send the above in the event that they do and a stay is ordered.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Cheers Gary.

 

Whats the process now we have both submitted AQ's to the Judge?

 

Do I get a letter from the court with the court date? Its been a week since the AQ deadline (13th November 06) so shall I give the court a call?

 

Thanks everyone (and especially Gary! I hope your getting paid for all the help your giving everyone!)

 

Matt

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Getting paid? :-o As if! Its all for the love of this forum and the intense dislike of Lloyds TSB I'm afraid. Why, what you offering?;)

 

What happens next? As you say, you'll get allocated a court date and be given directions for submitting evidance. Hopefully they'll cough well before the date set for exchanging documents, but if you want to be a step ahead you could start to prepare now if you like. You'll need the excellant 'court bundle' from the templates library, all correspondance between you and Lloyds, account statements or SAR information, the McNamara interview plus you can use my statement of evidance if you like - http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7744-garyh-lloyds-tsb-unconditionally-3.html#post339177.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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  • 2 weeks later...

Hi Guys,

 

Its now 2 weeks since I received the AQ from SC&M, and no response from Birmingham County Court! have been busy though! sent SC&M a letter as they requested an additional month to settle, to date no response- so today sent and faxed a second letter reminding them of the first! I don't intend to chase them too much I don't want to appear desperate!

 

I phoned the court today and my file hasn't been sent to a judge yet, so its a waiting game! I really hope he orders a court date soon! I have been copying my letters to SC&M to the court, so hopefully the judge will realise that SCM have had long enough to settle.

 

Be good!

 

Matt

 

Ps: has anyone come up with any good acronyms for SC&M I(probably not a good idea)

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Hi Gary,

 

Taking your advice as always I have started to prepare my court bundle early! (I'm keen!) as suggested I have utilised your Summary Statement of Evidence and I am just working my way through it! at the end your statement you provide a list of documents you have included as evidence, I have found a few of these on this forum but can't find the one's below (one's in blue I have found!) are these one's personal to your case? or have I just missed them on this site?

 

Cheers mate, as always I owe you one!

 

 

  • Lloyds TSB automated Direct Debit ‘return to payer’ letter
  • Dunlop Pneumatic Tyre Co Ltd –v- New Garage and Motor Co Ltd

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  • OFT statement, April 2006, section 4.21 – ‘disguised penalties’

  • Data Protection Act 1998 Subject Access Request for account contract and information

Thanks again, Matt

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The first one, the DD refusal letter, is just the standard automated letter sent by Lloyds to notify you of a charge. Its just there to support the contention that its all computer generated, plus in my case it was to demonstrate the charge for the shortfall of £1.19. Include one of your own if you like, or even better if you have two from the same day include them both.

 

The letter from Martin Orton was part of a protracted exchange of correspondance I got into with them back in the days when I was naive enough to think that reasoned arguement might actually get me somewhere. Ultimately it was pointless, but in one of my responses Mr Orton did slip up slightly. I asked directly in a previous letter for him to justify Lloyds charges. He did'nt mention 'service charges', but instead stated their charges existed in order that they recover their costs. Bit of a contradiction, don't ya think?;) Its remarkable how easily they slip up if you drag them away from their templates. If they have'nt settled by the time you need to submit your bundle, I'll send you a copy.

 

The early day motion is contained within the 'court bundle', which is in the templates library - you need all of that too remember.

 

The SAR was their partly becouse of the evidance of manual intervention request, which they did not provide. Mainly though, becouse in a telephone conversation one of their staff admitted that they're charges were applied automatically. I requested the recording of this conversation be supplied under the SAR, but they "were not able to trace it, dispite our best efforts". Yeah, right.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Gary,

 

I can't thank you enough; you have been a real source of help and inspiration.

 

I'm going to phone our friends at Sorry:) (SC&M) to confirm they have received my letters / faxes! Still no word! Not bothered as after reading your statement and with your support I would like my day in court!

 

Matt

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Hi All,

 

Just to let you all know that a couple of days ago I received a full settlement offer, but due to condition can't give details.

 

Anyone still in the process, Keep going and you will get there, I would like to thank everyone who have offered advice, especially Gary H.

 

A donation will be forthcoming.

 

Again thank you all for your help and support.

 

Matt :)

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CONGRATULATIONS!!!

 

Well done Matt thats brilliant news, I'm well pleased for you. Another reasonably quick one too! Enjoy your money and thanks for the donation - the site relys on them to exist so its much appreciated :)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Cheers All,

 

Just waiting for the money now, SC&M said it should be within 7 days! fingers crossed.

 

I have a theory! I reckon they hold off paying the people who need it the most, I think in the survey this site should ask how quickly they settle and then compare it to individuals financial positions! It just seems strange that the people who are still incurring charges have to wait longer for settlement! although that might be a sweeping statement.

 

Another hint that Gary H passed on was to start writing to them as soon as they gave me a copy of their AQ, I still haven't heard from the court and if I had waited to start the settlement talks, I would still be waiting.

 

Again Cheers all, Matt xxx

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