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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).
    • 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?  
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Mortgage offer withdrawal AFTER EXCHANGE TAKEN PLACE!!


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Hiya,

 

My fiance and I have already exchanged contracts and given up our rented flat and are due to complete on buying our first house on Monday.

 

Our IFA's called us yesterday to say that our mortgage offer has now been withdrawn due to an "arrear" on a credit card from October 2008.

 

This was not a problem when we were first approved for the mortgage but now is enough of a problem for them to take our mortgage away.

 

We are going to be homeless as we gave up our lease on the basis of the mortgage they approved and is valid until 31 January. We have an 11 month old baby and this is really taking its toll - we dont know where to turn.

 

Can anybody give us any advice on what we can do or if we have a leg to stand on with this?

 

Thanks for any help you can give.

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Hi All!

 

V.Stressed,in reply to your post:

 

I am very sorry to read about your problem.

 

Please answer the following questions:

 

1.When did you apply for the mortgage?

 

2.Have you paid for a valuation fee on the property that you are buying?

 

 

3.Has your solicitor passed on any deposit funds to the seller's solicitor? If yes,how much?

 

The answers to the above questions should hopefully enable me to assist you further.

 

Cheers,

 

Nightmare4banks

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Have you checked with your solicitor had they already requested the funds from the Mortgage Provider or carried out any works ready for the completion date with their approval? If they had written and recieved a reply that monies will be recieved ok via solicitors and then your solicitor exchanged on this basis you might have a case to argue your point.

 

Similiar thing happened to me and I have checked with a solicitor and they seem to think I have a case for compensation. Shame it was too late when I found out though, although it was a BTL not a home for me to live in fortunately.

 

Check with your solicitors as to what they have done already before you do any further.

 

I hope something works out for you. Let us know how you get on.

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Hi All!

 

V.Stressed,in reply to your post:

 

I am very sorry to read about your problem.

 

Please answer the following questions:

 

1.When did you apply for the mortgage?

 

2.Have you paid for a valuation fee on the property that you are buying?

 

 

3.Has your solicitor passed on any deposit funds to the seller's solicitor? If yes,how much?

 

The answers to the above questions should hopefully enable me to assist you further.

 

Cheers,

 

Nightmare4banks

 

Im in the same situation, Ive exchanged & I now have no mortgage. A new credit check was bizarrely done on me on 27.1.10, 6 days after I had exchanged and was the 3rd one they had done. Unfortunately my credit score was slightly lower than before so they just withdrew their offer.

The application initially was applied for in Aug 09 and the offer came through on 25.8.09 and lasted 6 months. I paid for a valuation which was done and was all fine, but on exchange my solictor sent £20500 which was 10% and will now lose that. Im distraught I complete on 12th Feb so I only have 10 working days left. I have never missed a payment on anything & have an exemplery credit record.Can anyone offer any help or advice?

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It will be the credit searches themselves lowering your score, there is plenty of evidence that having a search done lowers your score considerably and the more the same company searches the more the score lowers. Id contact all the authorities and trading standards and complain about the companies involved...

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Im sorry to hear about this Angrybanks, but first thing I would do is to contact your solicitor and ask him did he request the funds upon exchange and did he recieve acknowledgement from the lender that monies will be sent. If he did then tell them to phone and write to the lender and explain that you will be taking proceedings agsint them for failing to keep with the mortgage offer after confirmations etc.

 

Get some legal advice quick on this before the deposit goes.

 

Please keep us updated.

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I think that your solicitor needs to contact the lender and explain the situation and ask them to honour the original offer. They need to be firm and speak to a senior manager and explain that you will be seeking compensation for the money paid out so far plus stress etc.

 

I doubt if they have requested funds at this stage but I could be wrong. I suspect that the lender has decided that they do not want to lend due to a change of circumstances at their end. They may have been taken over or have a funding problem.

 

Your solicitor needs to push this firmly and try and get them to reverse the decision.

 

Pedross

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Thanks for your responses but no unfortunately altho the funds were requested they just sent back the letter saying they were withdrawing the offer. Me, my solicitor and financial advisor have been onto them but they wont budge. They say I can appeal but even if thats successful they will need to do another credit check which pushes my score down again!

I have tried emailing the Chief exec & my MP so will wait for them to respond.

I may try & see if the media are interested as I want to warn people for the future to get a clause put in the contract that if the bank pulls out after exchange, the buyer cant lose their deposit.:-x

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Hi All!

 

TWO POINTS

 

POINT 1

 

REGARDING THE DEPOSIT THAT HAS BEEN PASSED ONTO THE SELLER'S SOLICITOR

 

1.As others have mentioned the best course of action here would be to complain to your instructing solicitor or sue him/her because no sensible solicitor would exchange contracts with the buyer's deposit funds and without having received the mortgage funds.

 

2.The solicitor should have kept the deposit funds in his/her account and notified the seller's solicitor of such rather than send the deposit funds only - An utterly daft thing to do!

A solicitor like that is not acting in his/her client's own interests and should have never been allowed to become a solicitor in the first place!

 

 

POINT 2

 

WITHDRAWAL OF MORTGAGE OFFER

 

1.Please always remember that credit is not a right but it is earned.

 

2.So if a mortgage offer has been withdrawn there is little one can do unless there is strict evidence in your hand that will prove inaccuracies on your credit files which had caused the withdrawal of the mortgage offer.

 

3.However,you should be able to get a refund on valuation fees and/or legal fees if either a valuer and/or solicitor had been instructed and based on the fact of the then existing mortgage offer.

 

4.Complain to the FOS because if mortgage companies decline folks at the 11th hour and still rake in fees i.e. valuation fees.

 

Anyway,just my 2p's worth!

 

I hope this helps.

 

If anyone has any questions,please feel free to ask.

 

Cheers,

 

Nightmare4banks

Edited by Nightmare4banks
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You have to investigate what has your solicitor actually recieved from the lender in terms of acknowledgement that they are sending funds out for completion etc? Normally they would exchange on the basis that the funds will definetley be there on completion.

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I would have expected the solicitor to have called up the mortgage funds into their client account BEFORE exchanging contracts:confused:. In recent years lenders seem to have acquired an annoying habit of withdrawing offers before the buyer moves in. A practice for which they should be financially punished:mad:

 

They can do as many searches as they wish on a single transaction but knowing the effect they can have on someones CR only the 1st search needs to be recorded any additional ones from the same source do not, they can be done without leaving a trace ........ and they know it:-x

Edited by JonCris
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  • 1 month later...
  • 5 months later...

I have a similar nightmare just unfolding and would appreciate any help/advice from the forum as it seems we are about to lose everything.

I am a discharged bankrupt since Jan 2008. We approached a broker and made this fact abundantly clear and supplied a copy of the discharge along with the other usual paperwork/proofs required at this stage. Halifax offered a mortgage so we found a house. Our first mortgage offer expired after we exchanged but before completion. All deposits had already been paid. On the day of completion we were advised that Halifax requested the funds back from our solicitor because of the bankruptcy.

 

It was explained that it wasn't the bankruptcy but the expiration of the offer. A new offer at a slightly increased rate was then received. We all began the arrangements again. I then received a further call saying that we did not have an offer as it was a 'mistake'. I have this offer in writing along with a letter explaining when my first payment would be taken.

 

I called Halifax myself and they explained they had no record, written or verbal of my discharge, maintaining they did not know of the bankruptcy in the first place. They also said I did not come up on their searches as they had an incorrect address for me. I asked if that was the case, how had I received the offer at my address.

 

I have now been advised 7 days after the completion date that Halifax are now declining to offer a mortgage. My broker advises that this is due to missed credit card payments or 'something'.

 

I have not held a credit card since my bankruptcy and the only entries on my file relate to that. There has been no change to my credit file whatsoever since first applying for this mortgage - I have the copy from then and have compared it today's.

 

My credit score is high and I have disclosed from the outset my entire history.

 

How can this happen? Why is it allowed to happen? Please help.

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I have a similar nightmare just unfolding and would appreciate any help/advice from the forum as it seems we are about to lose everything.

I am a discharged bankrupt since Jan 2008. We approached a broker and made this fact abundantly clear and supplied a copy of the discharge along with the other usual paperwork/proofs required at this stage. Halifax offered a mortgage so we found a house. Our first mortgage offer expired after we exchanged but before completion. All deposits had already been paid. On the day of completion we were advised that Halifax requested the funds back from our solicitor because of the bankruptcy.

 

It was explained that it wasn't the bankruptcy but the expiration of the offer. A new offer at a slightly increased rate was then received. We all began the arrangements again. I then received a further call saying that we did not have an offer as it was a 'mistake'. I have this offer in writing along with a letter explaining when my first payment would be taken.

 

I called Halifax myself and they explained they had no record, written or verbal of my discharge, maintaining they did not know of the bankruptcy in the first place. They also said I did not come up on their searches as they had an incorrect address for me. I asked if that was the case, how had I received the offer at my address.

 

I have now been advised 7 days after the completion date that Halifax are now declining to offer a mortgage. My broker advises that this is due to missed credit card payments or 'something'.

 

I have not held a credit card since my bankruptcy and the only entries on my file relate to that. There has been no change to my credit file whatsoever since first applying for this mortgage - I have the copy from then and have compared it today's.

 

My credit score is high and I have disclosed from the outset my entire history.

 

How can this happen? Why is it allowed to happen? Please help.

 

Your solicitor & financial advisor MUST between them sort this out asap They will be the quickest means of resolving it also they'll carry more clout than you

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My FA has been replaced and is now an estate agent in the same company; the company FD was the bearer of the bad news that no offer is to be forthcoming - he has indicated that in his opinion the fault lay with the solicitor. A conveyancing agent was handling my case until just before exchange. She went on holiday and another person in the organisation requested the funds from me. Since the failure on completion I have been passed to an actual solicitor who is apparently conversing with his senior partner over this weekend. (I don't see how that will help immediately as the funds have been returned to Halifax - apparently they couldn't 'review' the case unless funds were returned).

 

What I just don't get in all this is the terms and conditions quoted: they state the offer may be withdrawn if there is either a fraud, a change in my circumstances that would have influenced their decision at the time, or some negative change to the properties value. The ONLY change is that I earn substantially more now than I did when I applied for the mortgage.

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