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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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Seeking advice on old debts when i have a clear credit report.


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Interesting.

 

I just received yet another letter from Fairfax. THis one is in acknowledgement of my CCA request and are asking for additional £1's for each of the accounts that they have. Yet they still don't provide any information. Yet they nicely go onto say that action on these accounts will be with held for 7 days for me to put in a CCA request for each of them.

 

Ha ha ha.

 

With hold action, they can't do any action until they can legally prove that any debts exist in a court of law.

 

So what you think, ignore?

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might be worth the giggle

 

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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Yes it is interesting. They don't actually acknowledge the original cca request but only the complaint that i sent in when they failed to comply with it. And all of a sudden there's several accounts instead of the one account that was on the previous letters, with all the new accounts labelled a, b, c, d, e, f, sounds like they just want to get an extra £6 off me. Certainly doesn't look good or very professional if it ever went to court.

 

So just ignore and wait for them to attempt a court case?

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well for £2 i'd ask for the cca's

 

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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so should i request a CCA for all of these accounts (which would be about £7) that have suddenly appeared, bearing in mind that i only have their own ref numbers for these accounts and don't have any more information than that?

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Hang on a minute. I've just been looking over the letters sent in so far to myself. Now initailly they cliam i owe £29k to Max recovery representing several clients. Then the next one is £29k to MBNA under the same ref of theirs and now they come back with the origainl ref will be suspended until they can produce a CCA but there's several other ref's of there's with the same ref number ending in a or b or c or d or e or f. And after that it all of a sudden says they have another ref which is completely different. So all this time they've only mention the one company under the one ref, this totally smells of fish. Especailly the new last ref which all of a sudden appears when they suspend the first one, i suspect its the same one and they still haven't provided any additional info.

 

SO my question to you my fellows, do i just ignore or do i CCA request all of these new ones (which is wasting my money)? Or do you just think they're taking the ****.

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ah! now you're thinking upon our lines atlast.

 

ignore the fleecers!!

 

they have had you up till now because you have wanted to pursue it.

now you have seen the light.

 

TBH: i thought i while back...silly begger leave it alone, just think what they said when they found their phishing trip had caught a mug..you...hey jimmy.what.we got one..what a mug........yea.hook line and sinker.....

 

dx

:D

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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  • 2 weeks later...

Just as an update on this.

 

Got another letter from Fairfax. This time quoting the new ref that appeared when they couldn't find a CCA for my request. And this one's for only a grand and a half for Max Recovery.

 

They seemed to have dropped their asking of £29k just a bit.

 

hahahahahahahaha

 

*ignore*

 

Although from looking through a few other threads it looks like Fairfax have indeed been taking people to court. I've read that it helps your defence if you request the CCA that they don't provide. SO i'm starting to think now that i should CCA this one. Or if anyone thinks that it's stupid too then let me know. I basically don't want to do anything that may harm my defence if it ever goes to court.

Edited by the_blue_cat
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ignore...........

 

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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Another letter turned up today. In case you're all wondering I thought i'd document everything that comes through from Fairfax Solicitors for everyones benefit in similar situations.

 

This one lists an Argos account with the debt of about fifteen hundred pounds. Apparently their instructions are now to commence further action (oh god noooooooooo, i jest). They MAY issue proceedings through a court. Thats nice of them to tell me what they might do. I may have a pizza for my tea tonight.

 

Now then folks do i bother to CCA this one yet or just ignore it again.

 

To be honest if they take me to court they will have to produce the CCA, default notice and NOA. There is no default notice as one was never issued (i entered the IVA before i defaulted) and surprise surprise there's no NOA ever been issued.

 

I actually might just CCA them for this one. This is listed under their account number that was all of a sudden found after they failed to provide a CCA for the last one for MBNA which they claimed was for a totally silly amount of the whole combined sum instead of what it was actually for.

 

Or do you still reckon i should ignore it?

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let em hang themselves i think

by the time they've magic'ed up spoof paperwork

the lot will be statute barred.

ANd they have got to PROVE they do have the cca/noa etc etc.

 

i like the way its gone from £29k to £1k5

 

ignore them see what other crap they can troll

 

they do seem to rather be having a bit of trouble getting their ducks in-line.

 

dx

  • Haha 1

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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I agree with dx. One caveat - I am unsure as to how if and how IVAs are different - because you have acknowledged the debt at that point I would imagine - but I really don't know. It might affect the stat barred date. Sorry to be vague. When did you sign the IVA?

 

If you want to CCA them, you may as well SAR them perhaps?? Just a thought.

 

Ignore.... as dx suggests.

 

FX

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ANother letter turned up today after ignoring tyhe last one. Pretty much says exactly the same but this time in bold text, "you have seven days to pay blah blah blah or else we might do something else blah blah blah ...." and also saying that if legal proceedings against me were obtained then blah blah blah. If you're gonna take me to court thaen do it already, oh wait you haven't got any of the docs to make it legally enforceble lol.

 

Filed under 'ignore' like with the rest of them.

 

At some point they probably will try it on just to see what defence I'll give, now does anyone know of any case law in regards to failed IVA's and if that has an precedence over a lack of DN or Termination notice. Although i still presume the lack of an NOA is still in my favour.

 

Or should i CCA this one?

Edited by the_blue_cat
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At some point they probably will try it on just to see what defence I'll give

I doubt it in all honesty. If they issue proceedings, we just ask for the evidence once more...

 

IMO, and I am not experienced in this area at all, but whoever did the IVA got their fee and legged it - they were interested in earning their fee and that's all - they had no interest in actually getting the money paid - they never lent it to you. And now you have someone with your data trying their luck... might even be the same bunch behind it all. [problematic]??

 

I think you have had a touch, but that's just an opinion...

 

FX:)

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Another letter inthe post today. Much to my amusement i'm now offered a 'significant discount' to settle with Max Recovery. Although the letter fails to specify what that would be, asking me to call and find out. lol

 

On the ignore pile.

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yep!

 

hehe oh god, he's found out we're trying to fleece him.......

 

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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i think it's also worthy to mention the turn-around of the attitude of the user here too.

 

from very worried - to SO laid back....

 

well done cag!

 

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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