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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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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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ive just been sent my letter asking to log on to computeach web site. I'm not happy to do so until I read a contract first!!! My head spinning..I have put in a complaint with FOS. Its been nearly two month my compalint when in in early to mid feb... I have paid out so that i didn't get hit with large interest rate and so I am not in breach of my side of the contract. I am happy to walk away from the contract but so they can compensate me with what I am right fully owed..

can I also be counted on the CAG for this too?

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However BPF have sent me a letter stating that raised concerns in an earlier letter I sent to them are being investigated and to expect a response on the 9th April detailed repsonse and if I wish to contact their customer realtions. they suggested that I contacted the FLA, but they cannot help as I have logged a complaint with FOS..hehhehehehehehehe what do I do now?

however the girl at FLA was polite listened..I guess thats all she can do and stated that once I am being dealt by one organisation they don't tend to help fingers in pies I guess hehehehehe.

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Got my letter from CT today too, I certainly will not be responding to it. Looking forward to seeing what Martin and the team come up with and I too will donate to this site as everyone has been so much help, don't know where i'd be without it. It's also good to know you are not on your own. Stick together guys x

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Hi All,

If anyone is worried about their Credit score due to not paying BPF, I've had a look on a CRA website and you can add notes as to why payments have not been met by you to your Credit report.

What is a Notice of Correction?

A Notice of Correction is a short (up to 200 words) explanatory note you can add to an entry on your credit report to explain the background to that information. Anyone searching your report in the future will see the Notice of Correction, and they must take account of it when you apply for credit.

If you would like to add a Notice of Correction to your credit report, please let us know the exact wording you would like to use. We cannot add a statement that is longer than 200 words or one we think is defamatory, frivolous or unsuitable for publication for some other reason.

 

 

Hope this helps

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Hi All,

If anyone is worried about their Credit score due to not paying BPF, I've had a look on a CRA website and you can add notes as to why payments have not been met by you to your Credit report.

 

What is a Notice of Correction?

A Notice of Correction is a short (up to 200 words) explanatory note you can add to an entry on your credit report to explain the background to that information. Anyone searching your report in the future will see the Notice of Correction, and they must take account of it when you apply for credit.

If you would like to add a Notice of Correction to your credit report, please let us know the exact wording you would like to use. We cannot add a statement that is longer than 200 words or one we think is defamatory, frivolous or unsuitable for publication for some other reason.

 

 

Hope this helps

 

That's really good to know, Thanks

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I too rec'd my letter and am writing to them to tell them im not accepting this new training provider - done a quick letter - this ok? Any pointers?

 

 

Dear Sir or Madam,

Account number: 0XXXXXXXXXXXXX

 

Ref: New Training Provider Computeach / Section 75 of the Consumer Credit Act 1974

I am writing again to request that you cancel the contract of the Fixed-Sum Loan Agreement of £6355.76 taken out in January 2009 for a training course provided by Advent Consulting Ltd. [/font]

I am not happy to continue with the new training provider you have found; they are not a suitable like-for-like or better alternative and I would like my loan to be cancelled and the account to remain on hold until this complaint is resolved.

My claim is made on the grounds that the company has gone into administration and you are jointly and severally liable for any misrepresentation or breach of contract with the above supplier under Section 75 of the Consumer Credit Act 1974, which states;

  • If you received unsatisfactory goods or services paid for under this agreement you may have the right to sue the supplier, us or both.

  • If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

You have 14 days to reply in writing and if you do not then the Financial Ombudsman will need to be contacted for the next course of action.

I look forward to a full and prompt response to this letter within 14 days.

 

 

 

Thanks for ur advise!!

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i will donate,as much as i can to this,cag have taken alot of stress off my shoulders,and eased my mind quite abit,even tho this is still going on,yet to be resolved,i hope we can all come together and sort this out.like to say thank you what ever the out come.lets hope its a good one.

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Hi everyone im new here as its my first post-been keeping up with this thread tho and just to say well done to everyone for their help!! keep this going.

 

Too many people i've come into contact with are trapped with this ***t contract with Advent and been telling them to check this site out!!

 

It certainly, well shows the number of people who are up for a fight with BPF.

 

A special thanks to CASHINS, for the advice!

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Good morning folks. I've still not received my letter from Computeach. I suspect it'll come today though. It'll be immediately ignored! I've compiled my complaint for the fos but was wondering if I should send it off now or await martins letter. Any suggestions folks?

 

Martin, do u know roughly when a letter may be ready?

 

Thanks again for your endeavour.

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I received a letter from computeach telling me I need to go to their site and then enter user ID and password they sent. To make sure the contact details for me are correct. I will be ignoring this and writing to Barclays but I need help drafting a letter. I reported via triangle but am waiting for a response. I understand it may take a few days because of the amount of people here. I'm just getting very nervous now.

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Good morning folks. I've still not received my letter from Computeach. I suspect it'll come today though. It'll be immediately ignored! I've compiled my complaint for the fos but was wondering if I should send it off now or await martins letter. Any suggestions folks?

 

Martin, do u know roughly when a letter may be ready?

 

Thanks again for your endeavour.

What is the letter coming from Martin?

Been on martin lewis website and can only find a thread on this but no letter?

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Signed with Advent in2007 on MCSE (£4,750) with loan from BPF which I then paid off with a loan from tesco. Have sent complaint letter to BPF and had a reply stating new provider will be in place by April. Not interested in continuing to study with Computeach. Will be now contacting the financial ombudsman as per these threads to take on a step.

I would like to join with CAG team and will be happy to donate!!;)

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