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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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Hi there

 

Can you claim PPI misold if you're account has been reffered to a debt collector!!!

 

Thanks

 

Anne

 

yes, but the refund will be used to pay off the arrears, before you get a penny, and the bank are fully entitled to do this.

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Thats not a problem Banish (although in an ideal world it would be nice)

 

Is there a template that should be used when writing a letter regarding being missold PPI

 

Thanks in advance

 

Ann-imal

 

check the stickies at the top of the main ppi page.

 

all the best.

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Banish you got my full attention :) . . what is it you need help with ?

Have you made claim yet ?

 

this is your loan figures :

 

total cost of goods: 14,200

optional ppi: 2,200

total loan: 16,400

APR: 18.2%

no of repayments 120

first payment made in 2004 of 295.75

 

do you want me to work out how much interest on your PPI you claim for ?

How many payments have you made ?, are you in arrears or missed payments ? do you still have PPI active or cancelled ?

 

Sorry not read your thread yet but will now, just want clarification on the above and you to know im on it.

 

 

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Lets check your figures first breaking them own to what they really are.

 

 

Your loan is £14,200 over 120 months at 18.20% APR

thats a monthly repayment of £245.33

interest £15,240.24

total payable £29,440.24

 

Insurance

 

Insurance £2,200 over 120 months at 18.20 % apr

 

interest £2,361.16

monthly payment £38.00

total payable £4,561.16

 

total interest is £17,601.40 plus loan of 14,200 is 31,801.00 plus insurance of 2,200.00 is grand total of 34,001.40 repayable is total amount repayable so we divide by 120 to get true monthly payment of 283.45.

 

This is differant to your figure you said you paid monthly 295.75 which would be total of 35,490.00 differance in their favour of £1,488.60, why is this . . . are there any other charges or anything else on the loan, can you post up the agreement to see as it may have other issues.

 

Ok for your PPI claim you need to claim for 2200 initial premium plus a monthly interest figure of £19.68 for every full payment you have made as you pay 19.68 a month PPI interest. then add stat interest at 8% per payment from date of payment to claim date.

 

 

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ozzy - you are a true star, thank you so much for looking at this for me.

 

right i think i am almost there.

 

so did you take the loan amount, 14,200, and add the 18.2 APR for 10 years to get the final figure?

 

the rest i fully understand in terms of working the individual PPI payments and adding the 8% via the spreadsheets available.. just need to understadn the maths behind the figs.. as i am going to do this for about a dozen people and i need to learn as much as possible.

 

also, do i ask for the remaining unpaid PPI to be taken off the balance? or is that done automatically if they uphold the complaint?

 

thanks so much again!!

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do i ask for the remaining unpaid PPI to be taken off the balance? or is that done automatically if they uphold the complaint?

 

thanks so much again!!

 

hi , if your complaint is uhpheld then then yes any remaining ppi would be taken off the balance. you should be put back into a postion were there had been no ppi added to the loan

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HSBC - Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled

Nationwide - S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07.

Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled

MBNA - S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07.

MBNA Loan PPI - Pre lim sent 19-2-10, Settled.

MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10.

HSBC PPI - Pre lim sent 19-2-10, with Court

EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10

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  • 4 weeks later...
What is the basis for saying that it was missold? If it is clear but then I would suggest a clear waring to FP and then a County Court claim.

 

is a front loaded PPI premium with added interest, enough of an argument to take a case to couty court?

 

do they generally fold when filed against, as they did with bank charges?

 

or is there a real chance i would need to prepare a proper attack for a meeting in court?

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rarely do ppi refunds get that far.

 

and that after a bashing from the FOS fails. long long way off.

 

 

dx

Edited by dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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rarely do ppi refunds get that far.

 

and that after a bashing from the FOS fails. long long way off.

 

might be an idea to see how others have gotten on with FP

 

try typing first plus PPI or WHY into our search in the blue bar above and do some reading.

 

dx

 

hi dx, i think there cannot be anybody on earth who has read as many ppi threads as me in the last month.

 

but i have never seen that question answered, it always goes unanswered.

 

and you speak of a FOB bashing?

 

so what are you suggesting mate? complaint to FP, then FOS, the Court?

 

i thought the point was to either go to FOS or court.. not both

 

could you clarify please.

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no there is a chain.

 

Push the OC first for a reclaim.

expire their complaints procedure

get a letter stating 'their final response'

off to the FOS.

 

then p'haps court.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no there is a chain.

 

Push the OC first for a reclaim.

expire their complaints procedure

get a letter stating 'their final response'

off to the FOS.

 

then p'haps court.

 

dx

 

ahh i see, although this is in slight contradiction to what many others post.

 

can bank fodder or anybody else from the site team clarify?

 

do we hit FOS then court.. or is it not worth the hassle with FOS and go straight to court if they dont settle within 8 weeks?

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well if you skip the FOS thats your choice

however, rarely does a PPI claim ever get to court.

 

suggest you read some more.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well if you skip the FOS thats your choice

however, rarely does a PPI claim ever get to court.

 

suggest you read some more.

 

dx

 

ok, well that answers the question..

 

why go to FOS, wait maybe 6-12 months.. when you can go straight to county court?

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...

Edited by dx100uk
comments from op's thread not required here

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cant see it related at all.

 

i'll get these move to your existing thread.

 

seems like you've been answered every question under the sun already there too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cant see it related at all.

 

i'll get these move to your existing thread.

 

seems like you've been answered every question under the sun already there too

 

dx

 

hey, why suck aggro?

 

what the problem here?

 

cool it, or dont bother "trying to help"

 

B.A

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and if its not related, why did bank fodder respond with similar talk?

 

you have a chip on your shoulder, why?

 

have you been unsettled somehow? got something wrong?

 

gone around in a circle and started back at base point?

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