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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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Help Cout date and CCJ with charging order!!!


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Hi again everyone,

 

I have a Default Notice here from Barclays. I was hoping that someone may take a look at them as I believe this to be a little 'Faulty'. There is prescribed text missing and the dates will not work if it was posted 2nd class, also ther eis a difference between the Arrears and the Final amount. I also have an unenforceable credit agreement (as proved by a claims management company prior to this). I am currently going through a similar procedure with RBS but was hoping a quick eye over these would reveal further discrepancies?!!:wink:

 

Many Thanks to one and all here for there great work.

 

Kindest Regards

 

http://i827.photobucket.com/albums/z...tice001mod.jpg

http://i827.photobucket.com/albums/z...tNotice002.jpg

http://i827.photobucket.com/albums/zz199/Worsteve/DefaultNotice003mod.jpg

 

p.s. I did post this in the 'Invalid Default Notices' thread, but other people there require a lot of assistance and rather than take it away from them I thought I would post this in my thread. It is Barclays stuff and I have SAR'd them. I know the CA is faulty, but the Claims Companies sols aren't doing anything about them. If you can take a look and let me know what you think....not Urgent though.

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27th March 09 = Fri so it could not have got into the postal system before Mon 30th add 4 days for postal service = 3rd April + 14 days to remedy = 17th April which means it's 3 days short. Even if they posted 1st class (which they would have to prove) it would be one day short.

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27th March 09 = Fri so it could not have got into the postal system before Mon 30th add 4 days for postal service = 3rd April + 14 days to remedy = 17th April which means it's 3 days short. Even if they posted 1st class (which they would have to prove) it would be one day short.

 

Ha ha! Brilliant Cerberusalert! Thanks for that. I will wait and see if they have issued a termination notice or not. The SAR will show that up I am sure.

Many Many thanks for your observation!!!

 

just realised 2009- my post on your other thread assumed 2010(apologies) however this IS a termination notice!! read what it says!!

 

the agreement was terminated by the creditor on 14 April 2009!!

 

:eek::eek::p:D

 

Holy H3ll! I have read these thrice over and quite simply not digested what is in them. The Banks are yet again...terminating an agreement on the back of my Fautly Default Notices!!!! These people are completely unprofessional and as long as they remain that way...we have a chance.

DD great observation and Many Many Thanks

 

they went one better than that by terminating WITHIN a dodgy DN

 

- Bless

 

 

as it was a year ago- i presume you have a copy of your letter to them accepting their unlawful repudiation?

 

As it happens I haven't sent a letter stating I accept their unlawful repudiation. Is there a template on here that I can quickly draft and send off to them?

 

Cheers DD

 

Steve

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Coppied of my thread http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/203488-g-nationwide-credit-card-5.html with thanks to Diddydicky:

 

Just photocopy the default notice and send with a statement like this:

 

It has come to my attention, through research, that it is probable that your client does not in fact possess a hard copy of the default notice served upon me and instead seeks to rely upon a computer entry as to the date that a default notice would have been produced.

 

It is therefore possible that your client is unaware of the defective nature of the Default Notice served upon me

 

In order to assist your client i therefore enclose a copy of the aforementioned default notice and ask you to study it carefully as it is clearly defective in several aspects, non of which can be regarded as de minimus.

 

Having not been lawfully entitled, by way of this default notice to claim the benefits of s87 of the act, your client does not have a cause of action to claim sums not yet due nor to terminate the agreement lawfully. In fact your Client subsequently unlawfully repudiated the agreement , an action which i have accepted and the agreement no longer endures. .

 

I invite your client to study this document and to discontinue without costs, failing which i will bring this matter to the attention of the court together with reference to BOS V Robert Mitchell June2009 in which BOS were heavily criticised by the judge for their behaviour in almost identical circumstances.and invite the court to strike out your clients claim as vexatious and an abuse of the court process.

 

Yours sincerley

 

XXX

 

Just keep on reposting this to them until they choke on it. They really can't argue with an invalid default notice and termination but they will try.

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Strange how we believe a faulty DN will carry us through yet I read on here a couple of days ago that a Judge ruled that creditors do not need to have issued a DN to terminate an account?

 

They don't (as long as they are not terminating because of a breach by the debtor).

 

If they are terminating it because 'they feel like it' then they can only demand repayment of the arrears at that point they can then enforce payment of them (as long as they have kept up with their obligations under the CCA that is).

 

gh

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Strange how we believe a faulty DN will carry us through yet I read on here a couple of days ago that a Judge ruled that creditors do not need to have issued a DN to terminate an account?

 

True a creditor doesn't need to issue a default notice to terminate an account. They can rip the contract up any time they want to. I am very grateful for any creditor that terminates an account this way and will immediately send them a letter accepting their unilateral termiantion.

 

Service of a default notice is a statutory requirement as laid out in sections 87,88 and 89 Consumer Credit Act 1974. Section 87 makes it clear that a default notice must be served before a creditor can seek to terminate the agreement or demand repayment of sums due to a breach of the agreement. therefore without a valid default notice, I suggest the claimants case falls flat and cannot proceed and to do so is clearly contrary to the Consumer Credit Act 1974

 

Would like to see the link to the thread you mentioned!

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Freethemice spent all day yesterday looking for this thread came by it by chance can`t find it again but the woman lost at court this past week and as a fair few thousand to shell out

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/158754-court-action-bos-aa-7.html#post2870583

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Thanks Cerberusalert it is a huge gamble at court from everything you keep reading as we hear what the creditor as to do to enforce but it seems in cases were defendents are LIP some judges are just riding rough shot over the laws and credit act and getting away with it as defendents can`t afford legal help to appeal it`s a huge injustice

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When I went to court to challenge my CCJ and to stop a charging order against my property, the judge warned me that this would take the case back to the beginning and would likely cost , more than the loan was worth (£25k loan ....??). He said that if I was to present my defence, he would only consider previous case law. Since I used the Woodchester Lease v Swain example the oppsoing Sols were told by the bank to set aside the CCJ. I have used that as my defence and I will continue to do so. That was on the clear instructions from the judge. But I guess everyone is different.

 

if you prove your case they you would be liable for the arrears only at the time they unlawfully terminated the agreement- assuming of course that the agreement was ever legally enforceable

 

did you do a s78 request? SAR?

 

how much was the debt? and how much have you paid already through the court?

 

i would think- subject to this info it may well be prudent to write to the other side in terms of a settlement one way or the other before proceedings

 

Hello DD

the debt on the RBS was for £25k. I have done an SAR and it is due soon. If I write to RBS will I state that they have given up their right to sect 87 by terminating the agreement unlawfully and they can now only claim the arrears, and I offer that by way of settlement? My next hearing is in May.

Cheers

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hi again, can anyone explain the following. My account was clearly terminated several months ago. as I was unable to make payments after numerous attempts. However while paying bills on line recently I accidently made a payment to them, and it didnt come back into the account. Could they possibly have opened up a closed account again ?

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Hello DD

the debt on the RBS was for £25k. I have done an SAR and it is due soon. If I write to RBS will I state that they have given up their right to sect 87 by terminating the agreement unlawfully and they can now only claim the arrears, and I offer that by way of settlement? My next hearing is in May.

Cheers

 

Hi Guys and Dolls

just a little BUMP on my thread. As my court case is in May, and the bank terminated my agreement with them on the back of a Faulty DN, do you think it Prudent to send a letter of acceptance of the termination and request the correct total of Arrears?

Many Thanks for everything once again.

 

My MBNA Credit Card Default Notice. Can you superhumans take a quick gander at this for me? I know it doesn't give the correct amount of time to remedy, but does it have any extra wrongdoings I can hit them with? I know it terminates the account on the Faulty DN, but not sure what else is wrong with it. I just want to send a letter accepting therei unlawful termination and reduce my debt pile for £100k to £25k....in the space of a few nicely worded letters!!

Regards to one and all!!!!

 

http://i827.photobucket.com/albums/zz199/Worsteve/MBNADefaultnotice004mod.jpg

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are all default notices, a notice of tremination of an account, even if its not actually in the exact wording? or.... does it need the follow up letter of full and final demand for payment? thanks

Not all DN's are termination Notices. 2 of mine are because it states it on the DN. My RBS wasn't a Termination Notice, but they took me to court and in the Particulars of Claim, they tried to get the full amount of the loan....instead of what was on the arrears, and in doing so, Terminated the original agreement...and they did that on the back of a Fautly DN so they are only able to try and get the arrears...not the full amount of the loan.:roll:

 

Might seem a stupid question but when I send my defence statement to the court do I also need to send a copy to 'the other side' ? or does the court contact them? THANKS !!

 

You need to send your defence statement to the other side as well.;)

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Hi Guys and Dolls

just a little BUMP on my thread. As my court case is in May, and the bank terminated my agreement with them on the back of a Faulty DN, do you think it Prudent to send a letter of acceptance of the termination and request the correct total of Arrears?

Many Thanks for everything once again.

 

BUMP again!:D

 

My MBNA Credit Card Default Notice. Can you superhumans take a quick gander at this for me? I know it doesn't give the correct amount of time to remedy, but does it have any extra wrongdoings I can hit them with? I know it terminates the account on the Faulty DN, but not sure what else is wrong with it. I just want to send a letter accepting therei unlawful termination and reduce my debt pile for £100k to £25k....in the space of a few nicely worded letters!!

Regards to one and all!!!!

 

http://i827.photobucket.com/albums/zz199/Worsteve/MBNADefaultnotice004mod.jpg

 

And another little BUMP here!:D

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Hi there,

also just wondering..if they terminated your account would it show up on your Credit file as 'account closed on such a date' or just give a default date ?

 

I don't know about that. Other caggers might know the answer to that question. I am not sure my thread is the best one to get on as I am learning all this stuff myself. It might be better to start your own thread to get the answers you need. All I do know is that even though some of my loans should be unenforceable due to the DN's it still shows up on the Credit file as the loan unpaid. The loan is still there....it is just unenforeceable.

Hope this helps :)

 

Hello DD

I have done an SAR and it is due soon. If I write to RBS will I state that they have given up their right to sect 87 by terminating the agreement unlawfully and they can now only claim the arrears, and I offer that by way of settlement? My next hearing is in May.

Cheers

 

BUMP:D

 

My MBNA Credit Card Default Notice. Can you superhumans take a quick gander at this for me? I know it doesn't give the correct amount of time to remedy, but does it have any extra wrongdoings I can hit them with? I know it terminates the account on the Faulty DN, but not sure what else is wrong with it. I just want to send a letter accepting their unlawful termination and reduce my debt pile for £100k to £25k....in the space of a few nicely worded letters!!

Regards to one and all!!!!

 

http://i827.photobucket.com/albums/zz199/Worsteve/MBNADefaultnotice004mod.jpg

 

BUMP :D

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