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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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      Frankly I don't think that is any accident.

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M+S Money Card - passed to Lowell Financial - Notice of Assignment


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Hello,

 

Perhaps someone can help me with a case I have going on with an M & S Money card?

 

My M & S file has been passed to Lowell Financial who wrote to me saying that they had purchased the alleged credit card debt from M & S

 

I though that any such sales had to be supported by a Notice of Assignment so I wrote back asking to see a copy of the Notice of Assignment, to which Lowell replied

 

"I wrote to inform you that your M & S account ref .... has been sold to Lowell Portfolio Ltd on 01/06/09, Lowell Financial Ltd has been appointed as the duly authorised collection agent for recovery of the outstanding balance."

 

Questions

 

Is it true that a N o A must be issued when a debt is sold to a third party?

If so what does a N o A look like ( I've never seen one despite having asked for one several times)

Does Lowell's answer above constitute a proper reply?

If they don't send the N o A where does that leave me and what can I / should I do next?

 

Hope someone can throw some light on this or tell me where to look

 

Thanks

 

Valhalla

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Have a look here:

 

Law of Property Act 1925 (c.20)

 

Pay attention to sections 136 and 196

 

As far as I'm aware, there are different formats to NOA's

 

Have you CCA'd the Leeds Losers or M&S

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I've always accepted that there are 2 types of assignment but correct me if I'm wrong.

 

Equitable assignment..... usual for DCA's, passes certain rights and duties to them from the OC and requires no formal NOA..... then again you can carry on ignoring a DCA as they'll need the OC to act in litigation anyway.

 

Statutory/absolute assignment....... this involves the complete discharge of and passing to a third party of the debt.

 

There is case law regarding NOA's and which party (assignor or asignee) should present to the debtor. The Law of property act states the following:

 

'Any absolute assignment by writing under the hand of the assignor (not purporting to be by way of charge only) of any debt or other legal thing in action, of which express notice in writing has been given to the debtor, trustee or other person from whom the assignor would have been entitled to claim such debt or thing in action, is effectual in law (subject to equities having priority over the right of the assignee) to pass and transfer from the date of such notice—'

 

It does not identify if the notice should come from assignor or assignee although you would think it responsible for one party or the other to get it right and identify themselves as the creditor.

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Thanks Gezwee, and Silverfox1961

From what you've said and what I've read seems to me that a NOA is a seperate document that have to be sent to the alleged debtor.

I would have imagined that there is a set format for an NOA , that it has to contain certain details and be set out in a certain way.

 

All I've had is a letter from The Leeds Losers ( nice one Silverfox) in which they wrote saying that they had purchased the debt. There was some other stuff in that letter and it just seems to me that this isn't a proper NOA at all.

 

Am I right in thinking this and if so can I just write back and say " This isn't a proper NOA and until and unless you send one, I don't want to deal with you" ?

Have a great holiday and thanks for your help

 

Valhalla

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Just fire this back at them, then ignore them, they, or rather, their computer, will generate random threatogrammes to be sent out until they get bored and pass it back to the OC or sell it on to another laughable outfit.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks Bazooka Boo

Pretty good letter!

 

Is it still OK to send the letter even though I'm not querying the debt, just Lowell's authority to be collecting it on behalf of M & S ?

 

I want Lowells to provide concrete evidence that they are genuinely the owner of the debt, or get lost

 

Valhalla

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Hi Valhalla

 

Sorry, remember less and less of anything learnt on these forums - guess its an age thing :p

 

Asked some advice on another thread and .........a genuine NOA proposing legal/absolute assignment must come from the assignor (the OC) and must be served by registered post. Anything less indicates equitable assignment only and its misleading for a DCA to advise the debt has been sold to them when only the collection rights and duties of a debt have.

 

To be honest I've never acknowledged a DCA and always referred to the OC, if a creditor ever becomes litigious they'll have to involve the OC anyway unless theres evidence of a correctly served NOA

 

Law of Property Act 1925 (c.20)

 

196 Regulations respecting notices

 

(1)Any notice required or authorised to be served or given by this Act shall be in writing.

 

 

(2)Any notice required or authorised by this Act to be served on a lessee or mortgagor shall be sufficient, although only addressed to the lessee or mortgagor by that designation, without his name, or generally to the persons interested, without any name, and notwithstanding that any person to be affected by the notice is absent, under disability, unborn, or unascertained.

 

 

(3)Any notice required or authorised by this Act to be served shall be sufficiently served if it is left at the last-known place of abode or business in the United Kingdom of the lessee, lessor, mortgagee, mortgagor, or other person to be served, or, in case of a notice required or authorised to be served on a lessee or mortgagor, is affixed or left for him on the land or any house or building comprised in the lease or mortgage, or, in case of a mining lease, is left for the lessee at the office or counting-house of the mine.

 

 

(4)Any notice required or authorised by this Act to be served shall also be sufficiently served, if it is sent by post in a registered letter addressed to the lessee, lessor, mortgagee, mortgagor, or other person to be served, by name, at the aforesaid place of abode or business, office, or counting-house, and if that letter is not returned [F1by the postal operator (within the meaning of the Postal Services Act 2000) concerned] undelivered; and that service shall be deemed to be made at the time at which the registered letter would in the ordinary course be delivered.

 

 

(5)The provisions of this section shall extend to notices required to be served by any instrument affecting property executed or coming into operation after the commencement of this Act unless a contrary intention appears.

 

 

(6)This section does not apply to notices served in proceedings in the court

 

 

Gez

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well imho do not contact the dca in the future they will have to prove they sent the noa,

 

why do that for them

 

The Assignment of the Debt

 

 

19. If the Claimant was not zzzzzzzzzzzz Bank then it is not admitted that there was a lawful assignment. The Claimant is put to strict proof that the assignment was lawful and is put to strict proof that sufficient notice thereof was served upon myself. Without this proof the Claimant has no standing before the court.

 

 

20. The Law of Property Act 1925 is the relevant act that deals with the assignment of debts. Section 136(1) requires that for the assignment of a debt to be effective, express notice in writing must have been given to the debtor:-

 

136. Legal assignments of things in action.

— (1) Any absolute assignment by writing under the hand of the assignor (not purporting to be by way of charge only) of any debt or other legal thing in action, of which express notice in writing has been given to the debtor, trustee or other person from whom the assignor would have been entitled to claim such debt or thing in action, is effectual in law (subject to equities having priority over the right of the assignee) to pass and transfer from the date of such notice—

 

21. However, it is Section 196(4) that prescribes the requirements for giving sufficient notice by post:-

 

196. Regulations respecting notices.

(4) Any notice required or authorised by this Act to be served shall also be sufficiently served, if it is sent by post in a registered letter addressed to the lessee, lessor, mortgagee, mortgagor, or other person to be served, by name, at the aforesaid place of abode or business, office, or counting-house, and if that letter is not returned [by the postal operator (within the meaning of the Postal Services Act 2000) concerned] undelivered; and that service shall be deemed to be made at the time at which the registered letter would in the ordinary course be delivered.

 

22. It is noted that by the Recorded Delivery Service Act 1962 a recorded delivery letter is equivalent to a registered letter and that under the Postal Services Act 2000 Schedule 8 any reference to registered post is to be construed as meaning a registered postal service (eg Royal Mail recorded delivery or special delivery).

 

 

23. For the assignment of a debt to be effective and so giving the Claimant a right of action a valid Notice of Assignment must have been sufficiently served on me using a registered postal service pursuant to s196(4) before proceedings were commenced. The Claimant is put to strict proof that any notice of assignment was sufficiently served on me before proceedings were commenced. Without this proof, the Claimant has no right of action.

 

 

 

 

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Guest HeftyHippo

Interesting. So although the property act doesn't say that ONLY registered (or recorded) delivery can be used, if anything less is used, then the NOA is invalid? Does that mean that the debt stays with the original creditor?

 

So, if the creditor sends a letter saying they have sold all rights and interest to a 3rd party, but doesn't send it recorded, then the 3rd party cannot take action, only the orig Creditor? So nothing has changed?

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There is no legal requirement at all for a Notice of Assignment to be sent by any form of provable delivery.

 

However, if it isn't sent in such a way then how can they prove it was ever delivered?

 

As to the form of a Notice of Assignment - there isn't one. If they write and tell that they have sold the debt to someone else then that's sufficient. Of course they have to say who the buyer is and the date of the sale but that's about it.

 

As to the seller having to tell the debtor, the Act is pretty vague on this point. All that matters (in law anyway) is that the debtor is told.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Guest HeftyHippo

Thanks palomino

 

I'd just like to say that sometimes, you want a NOA to be valid, regardless of how it has been sent. eg, the creditor issues a defective default notice and then sells the debt. In that case, you want to make sure that that the NOA is valid and everyone accepts and understands that the OC has no further interest in it (ie absolute rather than equitable).

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I'd just like to say that sometimes, you want a NOA to be valid

 

I see your point.

 

Well, the buyer and seller both believe that it's valid. If you behave as though you believe it's valid then no-one is even going to think of questioning the validity.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Guest HeftyHippo
I see your point.

 

Well, the buyer and seller both believe that it's valid. If you behave as though you believe it's valid then no-one is even going to think of questioning the validity.

 

True. Until you put the point to them that their rescission of the agreement voided it, and then they go and realise that the NOA was invalid...... so the agreement wasn't ever terminated (although they all thought it was at the time), so nothings changed and you still owe the money.

 

Just because they're sloppy with the paperwork and the law doesn't mean we should let our guard down. It's in our interests to ensure that their sloppiness benefits us only.

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I have a debt with M&S Money which is being chased by HFO Services.

I can prove the Notice of Assignment was sent by HFO and not M&S. The envelope is postmarked with the same postmark as HFO letters. Also the letterhead used was not a genuine M&S Money letterhead but one made up by HFO. The letterhead contained none of the legal info that M&S should use. I wrote to M&S about this and they did not really care that HFO were sending out an NOA on an illegal letterhead so I sent a complaint about M&S Money and HFO Services to the Companies Investigation Branch. I also informed Surrey Police, Trading Standards and the Office of Fair Trading. Maybe I should have complained to the FSA as well?

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I have a debt with M&S Money which is being chased by HFO Services.

I can prove the Notice of Assignment was sent by HFO and not M&S. The envelope is postmarked with the same postmark as HFO letters. Also the letterhead used was not a genuine M&S Money letterhead but one made up by HFO. The letterhead contained none of the legal info that M&S should use. I wrote to M&S about this and they did not really care that HFO were sending out an NOA on an illegal letterhead so I sent a complaint about M&S Money and HFO Services to the Companies Investigation Branch. I also informed Surrey Police, Trading Standards and the Office of Fair Trading. Maybe I should have complained to the FSA as well?

 

This issue has been widely debated and the general opinion of the forum is that OCs give permission to DCAs to use their letterheads. DCA staff have confirmed this.

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Still needs to be served by hand of the assignor regardless of contractual terms betwixt OC and DCA.

 

Really depends on the individual and whether they want to accept 2nd hand copy or await assignor served notice.

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OC's might give permission for DCA's to use their letterheads but the letterheads have to be legal. A limited company has to have certain information on their letterhead by law and therefore for a DCA to send out a letterhead on behalf of the OC without that information is against the law. Also if the NOA is on an illegal letterhead then I would imagine the NOA would be invalid.

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Valhalla, you might want to have a look at the following thread.

 

Lowells apparently bulk purchased a few hundred Capone accounts. There could possibly be an error in the purchase/assignment so you will need to check your own letter very carefully.

 

http://www.consumeractiongroup.co.uk/forum/capital-one/226293-capital-one-group-fos-5.html#post2512526

 

Apparently they are under no obligation to let you know.. but if they do, it needs to be accurate.

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Hi,

 

Just a couple a questions on Notice of Assignment.

 

My understanding is that a NOA must be issued by the Original Creditor notifying the debtor that the assignment is absolute, the date of the assignment and who it has been assigned to. The OC does not have to send the letter directly to the debtor but can give the letter to the assignee who must give the letter to the original debtor. Is this correct?

 

Without the NOA from the OC, there is no assignment. Is this correct?

 

Does anyone have any Case Law precedents for NOA? I read the case notes above but didn't see the case it was from.

 

Thanks

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Excellent point WA Newman and one I'd also like some clarity on if anyone can shed the light on this.

 

Also, in the absence of a NOA, does the DCA have any grounds on which to press for repayment?

 

Thanks

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  • 4 weeks later...
Hi,

 

Just a couple a questions on Notice of Assignment.

 

My understanding is that a NOA must be issued by the Original Creditor notifying the debtor that the assignment is absolute, the date of the assignment and who it has been assigned to. The OC does not have to send the letter directly to the debtor but can give the letter to the assignee who must give the letter to the original debtor. Is this correct?

 

Without the NOA from the OC, there is no assignment. Is this correct?

 

Does anyone have any Case Law precedents for NOA? I read the case notes above but didn't see the case it was from.

 

Thanks

 

Bit later replying, as only just come across this thread, but no, the NoA does not have to come from the Assignor, it can be issued by either the Assignor or the Assignee, and it does not have to state the date of Assignment, but if it does, it must be correct - if it isn't it can invalidate the Assignment.

 

Hope this helps if you still need this info.

 

Magda

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