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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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 4) 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)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Mortgage Interest Support, MI12 and JSA3


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Andy,

 

Did you get anywhere with the "rapid reclaim" or what ever it is called. I wonder if Ant and Dec, sorry Nick and Dave, will tinker with the MIS at the emergency budget... Let's hope not eh??

 

Anyone else with any news to share?

 

Blurred:D ( It's sunny and I will be in a beer garden in a few hours :D )

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Andy,

 

Did you get anywhere with the "rapid reclaim" or what ever it is called. I wonder if Ant and Dec, sorry Nick and Dave, will tinker with the MIS at the emergency budget... Let's hope not eh??

 

Anyone else with any news to share?

 

Blurred:D ( It's sunny and I will be in a beer garden in a few hours :D )

 

Well..Yes..and ..no. the actual rapid reclaim bit went through easily and my mortgage interest claim kicked in..BUT the problem was that my 3 month temp job I had was on a self employed contract basis, through a Ltd company (my brothers), so I had to pay my own NI and Tax which is no big deal

 

The problems came when I happened to mention the words 'self-employed' to the job center over the phone, they then automatically assume that youve been running your own business, I was sent all sorts of strange forms asking questions like 'when do you expect your business to pick up?', completely irrelevant to my case, I explained over the phone to staff who understood my position, (i.e I wasn't self employed running a company, I had simply had a temp 3 month job, paid on a self employed basis).

 

Anyway the upshot is that this delayed my claim and I did eventually get my money about 6 weeks later which was difficult !.

 

So a word of warning if anyone is in the same situatiuon and is offered short term contract work (im my career, IT Support, being paid on a self employed basis is normal).

 

The strange thing is, that no-one ever checked or asked to see paper work from my temp job, they only knew it was self employed as I used those words and wished I hadn't !

 

Despite all this, everything else kicked in to where I was before I had the temp job.

 

Andy

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Good info Andy,

 

Just thought I would tell people that I have just been informed by GE that I am £230 and odd to the good, i.e. the DWP overpayments have cleared the arrears and are now accumulating on my account. I asked for it back, and unsurprisingly they said no - I didn't argue.

 

I am happy to leave it there accumulating, and when I get back into work (looking up at last), I will put the mortgage payments into a savings account and use the overpayments. I might even have some savings for the first time in years.

 

Plus... the emergency budget is coming, which could be a real game changer...

 

FX

Edited by BlurredFX
typo
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  • 2 weeks later...

Right, well, I listened to the Budget, and did hear some reference to SMI, but have yet to find any concrete info.

 

The link below gives some idea:

 

EMERGENCY BUDGET: SMI payments brought in line with BoE rate | News | Mortgage Strategy

 

Though I do note that the old, old rate of 1.58% over base, may not apply.

 

Why?

 

Well this is how the BoE calculates the rate to which it refers.

 

Bank of England | Statistics | Interactive Database | Explanatory Notes | Household interest rates

 

And it says they look at what's available on the market... which is a lot different from what it used to be when the rate was 1.58% over base.

 

Hopefully this means that the new rate will be higher...

 

If anyone finds anything, post it up. In the mean time, I will keep looking

 

Thoughts anyone??

 

Blurred :)

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Right, well, I listened to the Budget, and did hear some reference to SMI, but have yet to find any concrete info.

 

The link below gives some idea:

 

EMERGENCY BUDGET: SMI payments brought in line with BoE rate | News | Mortgage Strategy

 

Though I do note that the old, old rate of 1.58% over base, may not apply.

 

Why?

 

Well this is how the BoE calculates the rate to which it refers.

 

Bank of England | Statistics | Interactive Database | Explanatory Notes | Household interest rates

 

And it says they look at what's available on the market... which is a lot different from what it used to be when the rate was 1.58% over base.

 

Hopefully this means that the new rate will be higher...

 

If anyone finds anything, post it up. In the mean time, I will keep looking

 

Thoughts anyone??

 

Blurred :)

 

Yeah..I heard him quote SMI too, but no details, I did find some stuff on the web, but that appeared to be just suggestions from a financial body, the main being, that claims should be individually assessed, so the % paid might vary but no idea whether this is what will happen.

 

The present rate of %6.08 is great for same, not so good for others. I have a mortgage in 2 parts, 1 im paying base +2 = 2.5% the other is about 5.9%, so I get 'overpaid' a bit, which helps eat away at the capital; part of the mortgage.

 

Whilst taking an average mortgage rate maybe fair, there are many people (me included) who are stuck with a high fixed rate for many years to come and there is nothing they can do about it.

 

Andy

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..the main being, that claims should be individually assessed, so the % paid might vary but no idea whether this is what will happen.

 

I seem to recall, while doing some research on this a while ago, they they packed in that idea in the eighties because it was an administrative nightmare - which I can imagine. There was also problems with the fact that by the time the admin had gone through, people had been overpaid and there was obviously problems getting that back.

 

I get overpaid to, and it sits on my account with GE. What happens to your overpayment?

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it seems that from october 2010, payments will be based on the bank of england's published average mortgage rate.

 

can someone post a link to where this rate is published? there was one link earlier in this thread, but as far as i can see it just leads to a bank of england page that does not display the rate.

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OK,

 

Easy-to-browse Budget document - HM Treasury

 

Look at section 1.112 of this from the government today. It says

 

1.112

The rate at which Support for Mortgage Interest (SMI) is paid is set at 1.58 percentage points above the Bank of England Base rate, and it has been frozen at 6.08 per cent since late 2008 although interest rates have fallen significantly. To put SMI on a more sustainable footing and to better reflect mortgage costs, SMI will be paid at the level of the Bank of England’s published Average Mortgage Rate from October 2010.

 

Now I have had a quick look around, and it appears that the rate is currently running somewhere around 4 to 4.4% in early 09, post the major interest rate cuts. Don't know what it is now, and can't substantiate the numbers properly, but that is what I have found out.

 

Blurred:)

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OK,

 

Easy-to-browse Budget document - HM Treasury

 

Look at section 1.112 of this from the government today. It says

 

1.112

 

 

Now I have had a quick look around, and it appears that the rate is currently running somewhere around 4 to 4.4% in early 09, post the major interest rate cuts. Don't know what it is now, and can't substantiate the numbers properly, but that is what I have found out.

 

Blurred:)

 

Yeah..I found the same info.. about 4 to 5% in 2009, no idea what the average is now, a lot would depend on how this average is worked out, it all depends wheher you are a new or old borrower, how much deposit you put down, wheher it is a fixed rate, how many years it is fixed for. etc.

 

If it does suddenly fall to 4% from the current 6.08 is going to affect me quite a bit and maybe push some people over the edge.

 

At present people could be paying almost any %, for example, you may be lucky to be on base + 2%, paying 2.5%, but then again some people found getting a mortgage difficult and thus they are stuck on sub-pime rates of upto 20% or higher.

 

Although my 2nd mortgae part ends its fixed rate of 5.8 in October so hopefully that will help, hopefully will have found employment before then though :)

 

Now where exactly do they publish this BoE Average mortgage Rate ?. Its bloody hard to find !!

 

Andy

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You'd think it might be possible to give people the actual amount they have to pay. It would, of course, involve more admin but there would be considerable savings from those (including me) who are currently benefiting from overpayments.

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While I'm here, is anyone receiving payments for other housing costs like service charges? I was told I should put a claim in (I'm in a leasehold flat and pay management charges, etc.) and they'd see if anything qualified but despite doing this twice I've heard nothing back.

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While I'm here, is anyone receiving payments for other housing costs like service charges? I was told I should put a claim in (I'm in a leasehold flat and pay management charges, etc.) and they'd see if anything qualified but despite doing this twice I've heard nothing back.

 

Yep..I get some money for ground rent & service charges :)

 

It did take a while to sort out, I think the letters to/from the BDC were sometimes at cross purposes and they got confused with my claim for SMI on a loan secured on the property, which eventually worked out I only get a few quid for...Eventually I had a call from a manager who sorted everything out.

 

Andy

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Don't start me on service charges.... Andy I think you have helped me regarding an issue on that... which is due up in Court in a month... but have a meeting to sort it out tomorrow...

 

Might ask you further details about your service charge, and the poss of getting it back-dated... STRESS!!!

 

Ah well, footy time :-D

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While I'm here, is anyone receiving payments for other housing costs like service charges? I was told I should put a claim in (I'm in a leasehold flat and pay management charges, etc.) and they'd see if anything qualified but despite doing this twice I've heard nothing back.

 

You might hear from me again, NKS!!

 

That is my next issue!

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Don't start me on service charges.... Andy I think you have helped me regarding an issue on that... which is due up in Court in a month... but have a meeting to sort it out tomorrow...

 

Might ask you further details about your service charge, and the poss of getting it back-dated... STRESS!!!

 

Ah well, footy time :-D

 

Ha..Me too.

 

I had an LVT case regarding service charges going back to 1996, I wasnt really happy with the outcome, LVT decisions can be very inconsistant and they seem to vary depending on how the LVT members were feeling on the day !..I'm appealing it now. My LVT case is on the web if you fancy having a peek.

 

Now a seperate case regarding overpaid ground rent is coming up soon too, this is all new to me and my first time in court, I'm hoping to use provisions of S32 Limitation Act to get money back beyond the usual 6 year limit.

 

Andy

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  • 2 weeks later...

I'm now getting money for service charges and ground rent! Unfortunately they've only dated it from my second letter to them (27 May) so I now have to appeal to get it backdated at least to my first, ignored, letter if not to the start of my ESA claim.

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  • 1 month later...

Benefit that pays interest on loans to be halved from October

 

The benefit, which pays the interest on a mortgage, is to be reduced from its present value of 6.08% to what the government says is the Bank of England average mortgage rate of 3.67% – a cut that means a loss of £1,300 annually for every £100,000 borrowed.

 

http://www.guardian.co.uk/society/2010/aug/09/mortgage-benefit-cuts-disabled-housing

 

The article is about benefits for the disabled but presumably the same cut will apply to everyone else.

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Although interest rates are low at present, there surely are not that many people who actually have a rate as low as 3.67%, getting a low rate is very hard at the moment, I'm still stuck on a fixed rate of 5.14% for another year or so.

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Too true. And anyone on benefit is not going to be in a position to shop around for a new mortgage. My fixed deal ended last December and I now pay the standard variable rate of 4.84% (Bank of Scotland). The change will cost me £66/week, although I'll 'only' have to find £32/week to make up the monthly repayment on my loan.

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  • 4 weeks later...
hi all , have a question , need the maths teachers , APR v Interest Rate

 

35.26 APR , would equal what ? interest rate ,.. thanks

 

Surely APR is an interest rate, its just a way of showing it, there are others.

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Surely APR is an interest rate, its just a way of showing it, there are others.

 

Yes I agree , what I did mean to say was if the APR is 35.26 , what would be the flat rate which is displayed on credit agreement?

 

mine is stated as 12% , (APR) is also shown

 

but when you go to a Loan Repayment Calculator , put in the balance and term , 12% as stated does not produce the figures in the agreement ,

 

payments are £163 per month , to get £163 per month and match other figures the interest rate quoted does not match

 

12% would equal payments of £111

 

20.31% charged would get the figures exactually as the same in the agreement ,..

 

If this is the case then I am lead to believe that the agreement would be voidable

on 2 grounds

 

1st , Under the Misrepresentation Act 1967

 

also under Common Law , Mistake , opertive mistake from the beginning of contract , mistake in a term of the contract

 

Before I go along these lines , I want to confirm my maths and hear others thoughts regarding the APR v Flat rate , thanks in advance

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