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    • 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Pumpy tums vs Egg


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Hi everyone,

due to financial difficulties I had to stop paying my card bills. Needless to say according to my CRA file old egg filed a default rather quickly. This happened very early this year. Fast forward to present early last month I received the contents of my SAR. I'm 100% I have never received a default notice or termination of account from egg, and guess what there was neither in the SAR bundle. The documents they sent were very detailed but I got much less than 6 years statements (the account has charges) ideally I wanted all my statements back to 2001.

 

The CCA produced the standard "Eggy CCA" i.e approved limit rubbish

 

Should I now contact them stating that they have not fulfilled their SAR as the 40days is now up?

 

Thanks

 

Pumpytums

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Full SAR compliance by Egg will comprise of a one-inch-high pile of paper costing possibly £50-worth of labour, in return for £10 SAR fee.

 

For years now Egg has offered 2 slimline alternatives in reply to SAR request:

 

All past statements, for £5.

or just a list of all penalty charges with dates and amounts, for £5.

 

Not sure if you consented to receive the £5 option. If you opted for a full print of all monthly statements and are not getting all of them, by all means write back demanding the rest as is your right. It is now November 2009, and the 6-year statute of limitations cuts off in November 2003. Some people say it is possible to claim back more than 6 years, I shall refrain from comment.

 

When you have the full list of overlimit and late payment penalty charges, reclaiming them should not be difficult, as Egg only puts up a half-hearted struggle of 2 or 3 computer-generated letters. After that they give in and pay up -- if you know the levers to push.

 

Numerous CAGgers have reported they were DN'ed by Egg without notice through the post. Egg maintained they did send it out, and there is no legal requirement to use recorded post. Egg need only send you the material they have on file, and they would not be obliged to keep a copy of every DN notice sent out -- unless anyone knows different.

 

Unlike on reclaim of penalty charges, Egg fights every attempt to roll back DN like their lives depend on it. One person managed it after 18 months struggle, another managed it after 30 months.

Edited by Mistermind
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  • Haha 1

 

 

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Thanks Mistermind,

I received the inch thick reply, unfortunately they only sent statement back to approx 5 years I have had an account with them from 2001.

They were very quick to default from looking at my credit file less than 2 months, which came a bit of a shock.

 

So if it ever went to court would they have to produce the default notice they allegedly sent me? If so how do they prove it was ever received if not signed for?

 

That was the one of two pieces of information I wanted along with my statements back to 2001.

 

Time for a letter (or ten) I feel.

 

Thanks for the information.

 

Pumpytums

Edited by pumpytums
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Just like UK and Irish house prices which rose like a rocket then fell like a meteor, credit card companies which indiscriminately granted credit now live to regret it, so many debts being now in default with repayment questionable. Within the past year quite a few cases were reported here of DNs being issued after only one monthly payment being missed. It could be that Egg now strapped for cash, given any excuse will try to pull the plug asap and get back the entire balance where it can, not wait for 5% minimum monthly payment ad inifinitum.

 

If a DN was completely unjustified, e.g. default triggered by Egg IT/clerical foul-up or delay inside Egg pipeline, then the chances of DN rollback would be excellent. As for rolling back a justified DN on the grounds of procedural irregularity, no proof of sending or of receiving DN, well in 3 years I have never heard of any such attempt, let alone a success. Several have tried to roll back DN on the grounds that the account would never have fallen into overlimit but for penalty charges which cardholders allege to be unlawful and which Egg never want to refute in court. Yasmin spent 18 months doing this with numerous visits to several different courts, with Egg eventually beaten by a legal technicality not by Yasmin's legal argument. Another lady rolled back a DN issued after only one missed payment, ultimately successful when Egg lost appetite for the fight after 30 months heroic tussle ;) . Phew :rolleyes: .

 

Sticky: " Egg DNs successfully rolled back "

 

Mr McGuffey tried to roll back a DN in court on the grounds that RBS did not comply within the 12-day deadline for delivering a copy of his CCA. By the time this reached the Mercantile Court last month as a Test Case RBS had managed to find the agreement which they then produced in court. Not only was this ruled legally enforceable, not only did Mr McGuffey fail to roll back the DN, but the defeat for the cardholder has now set a precedent ruling binding on county courts. CAG Legal-Issues Forum posters were not at all amused.

Edited by Mistermind
typo

 

 

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Thanks again Mistermind,

its more the case that I want to see if the DN is correct. I have others which are far from legitimate, the egg one is one of the ones I have missing I just want to complete my paperwork for possible future events.

 

Thanks again

 

 

Pumpytums

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  • 2 weeks later...

Hi everyone,

after a letter from ARC I have received a letter from the dreaded :D Mr Munn. Its so scary I can hardly type, it the usual "we have been instructed to prepare a County Court Claim in ten days blah blah blah". No address for Mr Munn just a PO box so its sent from the ARC's legal shed.

 

To whom should I write egg, Munn or Arc? The account has the usual approved limit CCA, Egg haven't fully supplied my SAR so a letter before action was sent early last week.

 

Is it worth even bothering replying to the Munn letter? should I just reply to ARC?

 

thanks for any advice

 

Pumpytums

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  • 2 weeks later...

I have contacted the SRA (solicitors regulation authority) about the threatogram Mr Munn allegedly sent using AR%E's franking machine. Waiting for the reply before I send a letter to AR%E and Mr Munn, politely telling them to get stuffed. Unfortunately in typical Egg format the DCA's go DLC-AR%E-Cabot from reading here. Can't really be bothered to argue with Cabot this time of year. Is it possible to send a letter to Egg, telling them that I will not deal with any DCA's on the phone?

 

I have sent a LBA to Egg, as they haven't fully complied with my SAR, I think I will drop the account in dispute letter soon as they cannot be bothered to reply to my letters. That one should get a response.

 

Pumpytums

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Hi Pumpy,

From what i've gathered on these threads Egg are notorious for just ignoring letters. If you do actually get a reply from them it's as if they're answering a different letter.

As far as i'm aware, if the DCAs are phone bothering you then you write to them direct and not the OC (although I did do that for Albion as I sent written proof that THEY ARE Bank of Snotland (no offence to Scottish people intended - unless you work for the bank of course).

 

Have you sent the letter to DCA informing them the account is already in dispute (17 in the templates lib.) therefore you can't speak to them anyway.

 

M

 

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