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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
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Repo man came for wifes car so i drove off in it.please help


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Hi Bookworm,

 

Ive just re read all responses on my thread and i found where youve told me not to telephone.

I promise you i do read every answer posted and i appreciate every word written by yourself and others.

Sorry i had repeated myself.

 

I also appreciate the letter you wrote for me to copy.

 

You say above that there is a reason not to phone.

I have read all these posts again twice just to make sure i havent missed if ive been told the reason why i shouldnt call, call me thick as its probably right there, but i cant find it.

You will probably point it out to me now and ill look like im not taking notice of your advice again !!

 

I was hoping that by paying them the £1000 and paying £200 per month thereafter that would be the end of it tomorrow, as its a pain having to hide the car.

I using a freinds car at the moment but he needs it back for work tomorrow.

If im to keep hiding the car i'll need to pick up a cheap runaround.

the car is local to me at the moment but im taking it to my brothers house 2 hours drive away, there is also an auction tomorrow round the corner from my brothers house, so knowing where i stand with them by tomorrow is my aim.

 

My only way of acheiving this by tomorrow would be to call them or they call me .

 

Our ideal outcome would be to begin making payments again for the car and they leave us alone.

As this is what we would of worked towards had they sent the original letters to the correct address.

 

Bookworm am i right in saying that you say im best to go for the long ride, send the letters and write to the court asking for it to be set aside have my day in court and hopefully begin making payments again.

 

By doing this i will need to buy another car as this one would have to go in hiding for a while until they reply and i get it set aside.

 

I could only get an instant answer tomorrow by phoning which you say i cant do.

 

my head hurts just going through this.

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because debt collector or whomever wanting money will state all kinds of untruths just to frighten you into paying. that they will not put in a letter - in other words they will lie, cheat etc etc - they are only interested in the money - and they do not care how they get.

 

these leeches are not court bailiffs and they cannot take the car. you have paid too much for that to happen [look on your agreement]

 

now i'd say the ONLY call you need to make is to the court and find out if they DO have a court order [i very much doubt it]

 

then sit back and laugh when you find out they haven't and there is nothing they can beat you over the head with.

 

now you mention PPI, that will easily clear this supposed debt i bet AND give you money back to your pocket.

 

bout time you fought back, hit them with a ppi reclaim.

 

have you got the agreement, if so post it up via photobucket [removing pers inf but leave figures on]

 

and we'll see what we can do.

 

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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Ok.

Don't phone because:

 

a) You need a paper trail. Things said over the phone can be denied. and a lot of these companies don't like putting things in writing because they know they are acting unlawfully, so communications in writing puts them on the back foot.

b) I strongly suspect Credit whattheirname are not acting on behalf of GMAC but have instead purchased the debt for pennies and they have no more a right to collect money off you than I do (but if you're giving money away, I'll let you have my address! :-D), and it may be that instead of paying lots for a very long time, you may not have to pay anythignn at all. I am 90% sure that they either DON't have a real court order, or if they do, that it was obtained in default and against the rules on HP.

c) and this is where my knowledge is hazy, I am pretty sure that under those rules, a car can not be repossessed if you owe less than a certain amount remainding on the agreement, but I don't know how it works, I hope someone who does know will explain it to you, if not, do some research on here, it has been explained before.

 

Sorry for the stroppy post last night, I was very tired and got a bit annoyed on how you were seemingly intent on going ahead regardless of what anyone was saying. :oops:

 

by sending the letter I wrote, you are puttign them on notice that you are now taking control and won't be pushed over, but you are doing so by playing the correct rules, not by running and hiding, which would tell them you are still in the dark re your rights, you see.

 

One of my mottos is: "There are some people on whose toes you need to step until THEY apologise". This has never been truer than in your case. ;-)

 

I'm away until Friday, and do not know if I will have Internet coverage where I am going, so don't worry if I dont' reply to your posts, there'll be plenty of good people around to help you. In the meantime, the more you learn about your rights, the better equipped you'll be to fight them, ok? :-)

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I didnt phone them today as advised and instead began to sort the letters to send to them all.

 

At 1pm we got a phone call to my mobile from someone saying they were acting on behalf of GMAC.

When i asked was he calling from Close Credit he said he was.

 

He told me GMAC had accepted our offer of £1000 and they wanted a futher £252 per month also Close Credit wanted us to pay them £495 for court and administration charges.

 

I told him that we had sought advise and have been told to write to ask for copies of all files and a copy of the court order.

 

He said he would put everything on hold for 3 days until my letter arrives.

 

I also asked if they had a court order what court was it heard in so that i had an address for the court.

He told me it was Barrow In Furness Court (which is were we live).

 

I asked did he have a reference for the court and he told me it was VW0000009 which seemed an odd number to me.

 

My wife wanted to pay the £1000 with her visa card over the phone but i didnt fancy doing that with what people have said about them lying on the phone just to get their hands on the money.

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Forget even thinking about paying any court/admin fees and stick to what Bookworm has advised which is spot on.

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my scales at the bottom of my profile window on the left if you found my advice usefull.

 

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Don't even talk to them on the phone and stick with bookworm's advise. If they persist on calling you, tell them you want everything in writing and put that in writing also. Also advise that telephone calls could be construed as harrassment under the Harrassment Act in your letter to them.

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VW0000009 which seemed an odd number to me

 

Seems a very odd case number to me? Have you actually telephoned BinF county court to see if this was a genuine case that was heard? If not, I would do so this morning before it shuts for the bank holiday. Better still, get down there and pay the court a visit. I have always found my local court to be very helpful :)

 

Also, if they do have a judgement and you didn't recieve the correspondence then you may be able to have the judgement set aside?

 

WIth regards to the vehicle in question, if it is being kept on private land and not being used at all make sure that identifying information isn't visible e.g. registration and tax disc - best option would be to sheet the car which looks a lot less dodgy than a car missing registration plates.

 

I bet that you have both PPI and certainly late payment charges on your GMAC account. You could potentially legally contest these which, as others have said, could leave GMAC in debt to you. I managed tgo recover my late payment charges from Peugeot Finance by going through the county court process (they settled before the hearing) so it is possible to do, despite what you might hear about bank charges now!

 

Finally, be careful about publishing any identifiable information on this website such as a county court case number as the forum is open to everyone including GMAC and their collection agency.

 

Best Regards,

 

TFT

09/07/09 :)Business Studies BA(Hons) 2:1:)

 

eCar Insurance overpayment - £325

Settled in full - 15/09/08

NatWest Student A/C bank charges - £260

Settled under hardship scheme - 08/06/09

Natwest Business A/C bank charges - £60

Settled in full as GOGW - 20/04/09

Santander Consumer Finance late payment fees - £60

Part settled for £48 - 01/03/08

Peugeot Finance late payment fees - £50

Settled in full before county court hearing - 01/09/09

Peugeot Finance overpayment of £247

Settled in full - 01/12/08

Valley Leisure - complaint about collections agent

£160 part refund of gym membership in compensation - 01/02/09

HFC Bank - complaint about payment deducted from my account on wrong date

GOGW £10 - 01/05/09

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Thanks for the help everyone.

Ive had nothing new to report since the last post.

I sent out the letters vias recorded delivery to the Court ,GMAC and DCA and im yet to hear from them either by mail or by telephone.

I will update as soon as i hear from any of them.

If i havent heard from at least the courts by Monday i will go to the court in person like TFT mentioned above and see if they can help while im there.

 

Once again, Thanks all.

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