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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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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Help with Welcome Finance agreement


Carlz
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Hi guys,

 

I wondered if you could help me...

 

I took out a loan with Welcome Finance and wondered if you could possibly have a look at the credit agreement and tell me where I stand with it?

 

I am currently disputing charges and mis-sold PPI and am awaiting to hear back from them and wondered if there was anything else that I should dispute within my agreement.

 

WF, as i'm sure many of you agree, are vile and not to mention rip off merchants and need to taught a lesson or two on honesty and customer services :) !

 

Have heard many horrendous stories about them and am quite suprised that I have not heard from them since Friday. Is this the norm?

 

Fingers crossed I have a case and that my letter sent to them was ok?

 

Look forward to hearing from you.

 

Carlz

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i need glasses so please confirm

 

1/ amount of credit (loan) £720.50

2/insurance £370

3/ apr 42.37

4/ 36 monthly payments

 

thats one bad agreement

 

i take it they gave you £750 and used the rest to pay off a previouse loan

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KEY FINANCIAL INFORMATION

 

Total amount of credit (b+c+d) 3596.58 A

Amount of credit to settle loan 726.58 B

Amount of credit for insurance 370.00 C

Amount of credit for cash advance 2500.00 D

Amount of credit (Insurance & Settle) C+B 1096.58 E

Amount of credit (Cash advance & settle) (d+b) 3226.58 F

 

Duration 36 months

Amount of each monthly payment 164.43

Number of monthly payment 36

APR (VARIABLE) 42.37%

 

OTHER FINANCIAL INFO

 

INSURANCE

1st Customer Lifecare 24 195.00 H

1st Customer Accident plan 175.00 I

 

TOTAL CASH PRICE 370.00

 

Total charge for credit (O+P) 2322.90 N

Acceptance Fee 75.00 O

Interest charge 2247.90 P

 

Rate of interest per annum 40.10%

 

If you look on the agreement - left of my signature - does it look to you if the agreement has been tampered with?

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This is what I sent to Welcome... and i've not heard from them since Friday and very overdue with late payment

 

SENT BY RECORDED DELIVERY

19th January 2009

Welcome Finance

Compliance Services

Mere Way

Ruddington

Nottingham

NG11 6NZ

 

Dear Sir or Madam,

 

Account/Agreement number: ##########

RE: PPI and unlawful charges/interest

I purchased the above policy from you on 24/01/08 but now believe that I was mis-sold this policy for the following reasons:

 

This is due to the fact that I was not given the correct information when the policy was sold to me, as your salesperson stated that taking out the policy would assist with my credit application and that I would not be able to have the loan without it.

 

Your salesperson was very pushy in selling me the policy so that I felt I could not say no and the application process was very rushed and forced upon me.

 

Your salesperson did not tell me that the policy was optional nor does the listed breakdown of cost for insurance add up to my loan term of 36 months and nor was I aware of the added interest on it and is it clear on the payment breakdown.

 

Your salesperson stated that taking out the policy was essential for me to get the associated credit even though I had already taken a loan out with you prior to the loan I am now disputing.

 

Your salesperson did not give me full information on what the policy would and would not cover and the term/duration of cover.

 

I am also concerned that the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.

 

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

I too would require that you arrange for the restructuring of the loan and to write off any charges (and any interest on them) which would not have arisen, if the monthly payment had been the lower amount that would have applied if there had been no PPI policy.

 

I also wish to know the following - and more so, should you dispute that my complaint is not for the interest of WF and for the supposed insurance company, although I am very aware that you ARE and I have been advised so:

 

The name of the Insurance company the supposed policy is held with?

 

How much of my Insurance Premium was paid directly to the Insurer (exact figure)?

 

How much was paid in Insurance Premium Tax?

 

Did Welcome pay this tax or the Insurer?

 

As a member of the Finance and Leasing Association - who is your Code Compliance Officer?

 

When was your last annual statement of compliance submitted to the FLA?

 

I also wish to dispute the given breakdown for credit and question why I am being charged 42.37% and then 40.10% again for insurance and an acceptance fee and ask that you provide me with your calculation and why I am again paying 2.8% on another breakdown. These calculations/costs were again, not fully explained to me upon agreement, nor do they make any sense or are they in line with what I was told by your advisor. I must remind you that it is a responsibility of your own to make all calculations/breakdowns to be listed clearly and as your breakdown does not reflect the total cost of things like insurance etc it is evident that I was ill advise and this loan agreement was again mis-sold.

 

I must also stress that as it was evident to you/your advisor that when you accepted my application for credit, you were aware that I had no financial background or knowledge in this area and I strongly feel that you have taken me for a ride and by selling me an unclear and complicated agreement and policy. I too, would like to point out that your advisor had even listed the wrong year on my application/breakdown which would again, reflect the lack of training and knowledge that your salesperson/advisor had and the rush of my application. If your advisor is unable to recognize what year it is, I would then question on what basis does he have to sell to me financially let alone to actually advise me.

 

I too wish to dispute why my statement has inconsistent amounts of ‘capitalization’ and why the ‘stated’ amount of provided credit (listed on my statement) differs to the amount listed on my agreement.

 

 

I too wish to dispute charges on the account (to include interest) E.G payment reversal/failed debit charges – if you look at my payment methods this year, you will note that I had stopped my direct debit and in turn, provided payment to you over the phone each month. Therefore, I cannot understand why you continued to make debits from my account when it had been explained to you that I has cancelled this method of payment and you had noted my new payment method. Therefore, I again, expect all charges (to include interest) to be refunded and erased asap.

 

I look forward to a full and prompt response to this letter and for the matter to be concluded or I will have no option but to contact the Financial Ombudsman to investigate my complaint. I expect a refund in FULL to include all interest and will not except any less. Should you deem my request to be unacceptable, I will do everything within my right to reclaim these unlawful charges and hope that you would prefer to settle this matter before any further action is taken.

 

To sum this up, this account/agreement is in serious dispute and I will not be making further payments until this matter has be mutually resolved and am within my rights to do so. As this account is in serious dispute, I must state that you can not pass this account onto a collection agency nor can you default my account and pass these details onto a third party and whist this complaint is in place. I will expect you to note that I will be checking my credit file daily for any illegal entries.

 

I look forward to hearing from you and ask that all future responses are done so in writing.

 

Yours faithfully,

 

 

Name

 

* If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. This is documented in the Data Protection Act Good Practice Notes. Therefore, I am not signing this document.

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ACCOUNT IN DISPUTE

 

J

Welcome Finance

Compliance Services

Mere Way

Ruddington

Nottingham

NG11 6NZ

21st January 2009

 

Dear Sir or Madam,

 

ACCOUNT NUMBER:

 

As per my previous letter to you regarding my dispute with Welcome finance Ltd regarding mis-sold Payment Protection Insurance, I have again enclosed my letter which was sent to you by recorded delivery and fully documents my reasons why this account is in major dispute.

I would like you to note that I am still being pursued by Welcome Finance for payment and would expect that no further calls or demands continue whilst this account is in dispute.

 

I am of the view that any continued phone calls or demands and harassment of payment by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970.

 

You will be aware that under the Banking Code, to which you subscribe, you may not default my account or take further enforcement action whilst the debt is in dispute and feel that it is in both of our interests to come to a swift and satisfactory resolution.

 

I would also like to make you aware of The Office of Fair Trading Code of Guidance in which it states: “Putting pressure on debtors or third parties is considered to be oppressive. This includes, ignoring disputes about whether money is owed and refusing to freeze action if the debt is in dispute”.

 

I, therefore, hope to receive your full co-operation in this matter and would like to request a written response to that effect.

 

Yours Sincerely

 

 

name

 

* If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. This is documented in the Data Protection Act Good Practice Notes. Therefore, I am not signing this document.

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this will be a long one so stay with me

 

total amount of credit

(b) £726.58

© £370

(d) £2500 total £3596.58

 

that is over 36 months at 42.37 % apr

that works out at

 

a monthly repayment of £164.43

interest £2322.97

total repayable £5919.55

 

INSURANCE

 

cash price of insurance £370 over 36 months at 42.37 % apr gives

 

a monthly payment of £16.91

interest £238.97

total repayable £608.97

 

so lets add interest on the loan £2322.97, and interest on the insurance £238.97 gives an interest total of £2561.94

we add the acceptance fee to this of £75 , which gives £2636.94

 

so interest and fees

£2636.94 add insurance with amount of credit

£370

£3596.58

 

total repayable £6603.52

devide by 36 to get the monthly repayment £183.43

 

welcome have screwed up again

 

checking figures again though

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Hi Carlz glad you managed to get a post on - glad postggj is looking into this for you he comes highly recommended from me ;)

 

What a shock that the figures dont add up :rolleyes:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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They had one hell of one on my agreement then :lol: Im over the shock now just angry ;)

 

Amazes me how they have managed to trade this long without serious repercussions!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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