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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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Hillesden Security Services CCA Request.


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Hi, I had a loan from Halifax, couldnt make the payments, they sold the debt on, I was contacted by Direct Legal & Collections and have made monthly payments to them through a debt management company. Got an annual statement from DLC which showed that Hillesden Securities are the creditor. I sent Hillesden a request for copy of original agreement on 9th December special delivery which they received on 10th December. The 12 days are up and no reply. Should I stop payments through Debt management company or carry on and wait to see if they go past the 30 days?

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Hi,

 

The 30 day bit no longer applies, I'll start a new thread for you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I doubt very much if the DMC will allow you to stop paying them, regardless that they are in default of your request.

 

If the DMC doesn't allow you to stop payments, then the only way to do so will be to pull the plug on them, are you using a free DMC or one of these who charges you for their 'services'??

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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Hi RTC :),

You can legally withhold payment now until they produce a copy of the agreement, if you so wish. Be aware though that quite often now they are coming up with reconstituted versions of the agreement, without your signature, which, technically, they can do.

We'll cross that bridge when we come to it though ;)

How much are you paying via the DMP, and what percentage goes to them?

As mentioned above, DMP's don't get involved in CCA requests, and won't suspend payment in that respect, as far as I'm aware.

If you do intend to withhold payment, you'd probably need to cancel the DMP agreement. If they then come up with a viable credit agreement, as they know you now know your rights, you might ultimately get a better deal. If they don't have one, we'll advise on the next step.

If all else fails, you can always then set up another payment scheme with either Payplan or CCCS, who don't take a cut.

Let us know if you intend to ditch your current DMP and withhold payment, and we'll come up with a suitable letter for you.

All the best,

Elsa xx

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Hi, Hillesden gets £36.28 a month, DMP take £14 a month. At this stage would it be better for me to write to Hillesden and tell them that they are in default now due to not fulfilling my request, keep payments going and see what they do. I t just grieves me that they bought the debt for about £2000 and immediately bounced it up to over £10000. Incidentally I have never received letters of assignment of the debt, I was under the impression that Direct Legal and Collections were collecting on behalf of the Halifax. They are in fact Hillesden under another name. I only became aware of Hillesdens involvement when I got an annual statement from Direct Legal & Collections in October 2009. Its like the secret service.

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I have nothing to add on top of the top-notch advice already given....... except this:

 

CHRIST!!! I'd be dumping that DMC faster than I'd drop hot coal!!! With the help and advice on this forum, you can manage your own affairs far better and get yourself far better deals than you will get through some money-making company.... of that I am sure!!

 

But obviously that is just an opinion. And I won't make out that at times the road ahead is tricky and challenging.... because it is.... but one thing is for sure; you will always get top-notch advice on these forums from people who care and have been where you are.

 

Ultimately, the choice is yours.

 

All the best.

Cheers.

UF

I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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Hi, Hillesden gets £36.28 a month, DMP take £14 a month. At this stage would it be better for me to write to Hillesden and tell them that they are in default now due to not fulfilling my request, keep payments going and see what they do. I t just grieves me that they bought the debt for about £2000 and immediately bounced it up to over £10000. Incidentally I have never received letters of assignment of the debt, I was under the impression that Direct Legal and Collections were collecting on behalf of the Halifax. They are in fact Hillesden under another name. I only became aware of Hillesdens involvement when I got an annual statement from Direct Legal & Collections in October 2009. Its like the secret service.

i did read this correctly the dca have taken a 2 grand debt and you now owe them 10 grand??/ personally I wouldnt pay em another penny...they have no authority, and certainly none that says they can increase the original debt

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  • 6 months later...

Hi Elsa, Sorry no contact for a while due to age and disability (75 this month and damaged spinal cord) unfortunately I havent been able to pursue matters yet. I have to date received 6 monthly letters from Hillesden Securities saying that they are still pursuing a copy of the original agreement from their client HBOS and will provide it when it becomes available. From what I read the next step would be a letter to them saying that they are in default. Can you confirm this for me and indicate what the outcome could be and what my next step would be. Sorry to seem so helpless but as I say age is taking over. Regards Ruff.

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nope until they supply you with a copy of the agreement..they are in default and not you...your next step is to send account in dispute letter to them...

ACCOUNT IN DISPUTE

 

Date:

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. This was signed for as delivered on the **DATE**

You have failed to comply with my request, and as such the account entered default on **DATE** (12+2 days after you made the initial request).

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you/your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 78(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. You will also be aware of the CPUTR 2008 and the OFT's guidelines on debt collection which state under the title Deceptive and/or unfair methods - Examples of unfair practices are as follows - 2.8

 

(i) - 'Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued'

 

(k) - 'Not ceasing collection activity whilst investigating a reasonable queried or disputed debt'

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

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have you also ditched that money squandering dmp yet? cos the sooner you do the sooner you will have a bit more money in your pocket every week...you can deal with this easily yourself with the help and advice available on here..not paying some company to keep you in debt

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Call the debt management company and fire them, tell them you have taken advice from the consumer action group and no longer require their services.

 

As for DLC/Hillesden (which are the same company)you can stop paying them now. The will continue to send the '21 days' letters.

 

Remember we are here for you for free so you do not need to be paying this outfit £14 a month for something you can do yourself.

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Many thanks friends, I will copy the letter and send it Hillesden and await their response. I will also sack the DMC who have recently increased their cut of the payment to £30 a month.

I will return with updated info when when available. Again many thanks Ruff

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Hi again. Its the next day and I have sent the default notice letter as above to Hillesden Securities by recorded delivery. Thanks to debt4get. Tomorrow I contact the DMC and send them on their way. I hope I can do the job. Will tell you what transpires. Again many thanks. Ruff.

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Of course you'll be able to do the Job, and you'll realise just how simple it is, and why people ever pay these DMC's for doing the job.

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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Spoke to DMC yesterday, asked for the latest details that my payments were based on and noticed some of my monthly spends were not included. The advisor said that they were not included because they dont deal with monthly payments of less than £80. So when a monthly payment figure of £80 was reached they didnt include any more of my monthly spends to offset against their figure because it would have reduced my monthly payments to less than £80. That disgusts me, its about their income and not about what I can afford to pay. Good riddance.

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What utter morons....????? It just defies belief? Write to your Local MP about this shower and see if they can get their credit licence removed..Bloody mammaries.

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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