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    • 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).
    • 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. 
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Halifax Charge Of £21.85 For Visit-LOL.


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Following Halifax terminating my account in the middle of the 14 day period to remedy my default notice and on receiving a demand from their IH collectors,Albion,I wrote to them pointing out the errors of their ways and that I know consider the account to have a zero balance.

 

This letter to me from Halifax crossed in the post...

 

Our records show that you still haven't brought your account up to date. Even if I had wanted to,you've terminated the account!

We have not been able to contact you about this.Well you've written and phoned,doesn't that count?

An agent may call at your home so that we can discuss your account.Look forward to a chat-I'll get the tea & biscuits ready.

This will result in a fee of £21.85 being taken from your account.Mmm-that's the tea & biscuits off the menu then and not sure as to how you're going to take money off a terminated account unless you really mean that you'll take it off . If that's the case then with a few more visits the non existing account will have a credit balance!Whilst I put the kettle on for tea I'll ask my 'visitor' to point out in the T & C's where this £21.85 is mentioned.

To prevent this from happening,please phone us on 0845 300 0580 within 30 days. Looks like I've got at least 30 days of peace then!!

If you cannot make full payment now, we will try to agree a payment arrangement with you.:) Yeah,right.

 

 

 

 

 

 

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Have you asked them how they plan to compensate you for an unlawful recission of contract ?

 

I sent my letter pointing out the error of their ways by Special Delivery which they signed for yesterday so I'm awaiting to read what convoluted response they come up with before referring to the unlawful recission.

 

Terminating midway through the time allowed to remedy the default notice would seem to be a new avenue of of idiocy that Halifax are subscribing to as I read a thread by Summerbreeze yesterday where they have done the same thing.

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  • 1 month later...

The journey continues...

 

After several lengthy phone calls and a visit from Power To Connect---[i wonder if they will send me the bill of £21.85 for this:lol:??]--- I might be getting somewhere.

 

I phoned ''Customer Care' or whatever it's mis-named...

 

'We haven't terminated the account'

 

'Oh yes you have'

 

'We haven't'

 

'I'll read the letter to you then...'

 

I read it to them..

 

Silence.

 

'I'll have to place this matter with 'X' and he'll write and explain..'

 

'And will he address the letter I sent by SD 5 weeks ago?'

 

'Yes'

 

Just had another phone call.

 

'Now you've had a chance to read our letters..'

 

'What letters?'

 

'Let me check.............................................Oh!'

 

'Apologies as we've sent the copies of the letters [that I requested to be sent by Recorded delivery to replace those that I haven't received]

to the wrong post code-we'll send them again.'

 

The conversation continued in a friendly frame and I suggested that Halifax would have less problems if all of their staff dealt with customers in a civil and professional manner to which he had no alternative but to agree. saying he had been on the receiving end some years ago.

 

 

I await the letters..

 

Will they address the issues....?

Will they admit their errors.....?

Will it just be the usual drivel...?

Am I an ex-customer in their eyes...?

 

To be continued....

~

 

But in the meantime, perhaps [with tongue firmly in cheek]..

 

.... an undercover member of CAG has infiltrated into employment with Halifax and even as I type is sat at their desk in a windowless room sending out as many ineffective default notices with follow up unlawful termination letters as is possible to do in each working day?:D ----and then at the end of their shift,goes home each evening with a smile on their face,the epitome of a contented worker,pleased with their day's toil!

 

~

 

PS. When querying the 'lost' letters,I asked them to send me copies by email ..

 

'We can't do that'

 

'Why?'

 

'It's not considered to be a secure method of communication'

 

'But posting out my private details and business in a letter to the incorrect address is?

 

'Mmm'

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Sounds like they have been taking lessons from A&L as they did the same to me and are still trashing my credit file 2 years on.

 

I had the account has been terminated but when the CAB phoned them they said that it was still open but they had restricted my access!

 

I went to the FOS and got compo off them but it didn't solve the problem.

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An envelope was popped through my letterbox by the postman today.

 

 

I picked it up and saw that it had been sent by Halifax----ah,at last.

 

I took it through to the dining room,placed it on the table while I went to make a cup of tea as I wanted to relax and savour the moment.

 

Tea made,I settled down into my chair,slit open the envelope and prepared to digest the long awaited response.

 

I took a sip of my tea and then unfolded the letter all the while trying to guess what it contained..would they agree that they had made serious errors with the default notice,would they be putting up a fight or would the writer have ignored my complaints entirely and filled the page with cut and pasted rubbish----this was exciting!

 

~

 

~

 

~

 

~

 

Alas the letter was not about any of these things......

 

~

 

~

it was my monthly statement from June of this year!!!!!!!!!!!

 

WTF!!

 

What are these people on?

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An envelope was popped through my letterbox by the postman today.

 

 

it was my monthly statement from June of this year!!!!!!!!!!!

 

WTF!!

 

What are these people on?

 

Hi there,

 

They wanted your tea and biscuits to go down as smooth as possible..:D

 

DD:cool:

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  • 2 months later...

UPDATE

 

All quiet-no letters,no calls just monthly statements on this closed account for Dec. and Jan. adding on the £21.85 for the visit and £12 late fee and interest of course.

 

Received February's statement today and have a sum under payments and credits equivalent to the charge they made for the visit and one late fee.

 

I haven't contacted them about the charges they have made which means that someone must be monitoring the account to make this ''voluntary'' refund--strange!

 

As this refund/credit was for 'unlawful' charges it's a pity they didn't complete the exercise by also refunding the interest that they have been charging on these sums over the past few months!

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  • 2 weeks later...

ANOTHER UPDATE

 

Albion appear to have given up and passed this on to Halifax's in house ''Professional Debt Collection Agency'' as today I received communication from Blair,Oliver and Scott requesting payment of ''the balance owed by you''

 

''Our client requires payment of the full balance outstanding as soon as possible''

 

I have two dates in mind for this------

 

1] The twelth of never,

 

2]The third Sunday after the second blue moon.

 

Can others advise how this crew normally proceed please?

Edited by middenmess
Wrong name inserted
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  • 3 weeks later...

Another update.

 

I wrote again at the beginning of the month copying in the acceptance of their unlawful termination and again inviting them to send me details of the arrears owing at that point [less possible damages for the recission of course]

 

Sent by Special Delivery and I requested a response within 14 days.

 

The response came today from Blair and whatsit....

 

Formal notice ..instructed to commence legal proceedings!

 

s4hc8b64jf.jpg

 

 

 

Is this a standard Threatogram or does it require me to contact them and ask them WTF?

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If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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It will be interesting to see if they send me one as I have ignored their letters.

 

In the meantime, my complaint has been escalated to a senior colleague within Customer Relations for a final review. Then had another letter on an AA Credit Card letter heading!

 

They just have not got a clue!

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What a load of bull, before they can get a charging order you have to default on a ccj first funny how they do not mention that.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Greetings middenmess,

 

Yes I took some time out of cag as my wife and dog needed me more, but im back with a vengeance lol

:-)

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Update to my post#11 above

 

I wrote again at the beginning of the month copying in the acceptance of their unlawful termination and again inviting them to send me details of the arrears owing at that point [less possible damages for the recission of course]

 

Sent by Special Delivery and I requested a response within 14 days.

 

Received letter of response today---waffled on and then usual 'sorry can't uphold your complaint as we have never terminated your account etc.etc'

 

Couldn't be arsed to write again so phoned up the writer and got connected to the waffle writing department immediately!

 

Helpful lady asked what seems to be the problem--so I read from from the letter of termination..''We have terminated your credit account''

 

''What do you understand that to mean?'' I inquired.

''Um..we terminated your account?''

''At last we agree then--can you sort it out then?''

''Not from this department but I will immediately escalate it to Senior Management [of waffle,bluster and bullsiht I expect] which will be our final [as in final,final,final] response before referring it onto the Ombudsman.

 

So should receive a letter in a month or three with any luck.

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Well I have not sent the recission letter as yet .. maybe I should do so.

 

I am only bothered about my overdraft with Hx [ as they have lost my CCA and application form for my CC ]

 

Not sure if unlawful recission works for an overdraft as it must all be arrears anyway?? Please correct me if wrong on that .

 

But they still terminated the overdraft account before the remedy date on the DN so not sure if they can proceed further legally......?

 

I would like to write to them about the OD as they are piling on the charges but not quite sure what to say ...any ideas?

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  • 2 weeks later...
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