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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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 4) 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Please Help: Scottish Provident Illness Claim after Head injury


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Hi all... I would really appreciate any feedback or advice you guys could possibly give on the position I am in... especially if you have dealt with Scot Prov on a claim(or can point me in the direction of others who have)

 

background:

a few years ago, my partner was involved in quite a serious RTA. In the time following his accident he has been unable to work (he was a very high-end computing professional) and is pretty much housebound. He has all the typical symptoms of a moderate brain injury, and has limited mobility - ie can shuffle a few yards. His problems haven't changed (in fact have gotten worse) over the past few yrs. Despite this nothing 'concrete' has been found on all the numerous tests, scans etc run on him and the docs still cannot determine what is wrong. Privately they have all told me it is unlikely that he will get back to who he was pre-acc.

 

There is a Personal injury case still going on and other income protection policies he had (none of which have made any progress to date) but I would like to ask advice for just one of them (as it is just too much to cover here) - a critical illness and permenant disability policy with ScotProv. This is potentially a high payout for them over £100k of cover - so I appreciate it will be very big task.

 

Scottish Provident:

 

We filed a claim with them over a year ago as we were unsure as to the extent of his symptoms and how long they would last - and whether they would apply for a 'permenant disability'. According to the small print this seems to mean he will be unable to perform the role he did before - as I said, his drs have told me this is highly unlikely.

To date, they have requested and received all his medical/hospital notes and no decision has yet been made. they are now passing it on to an 'independent medical team'. I imagine this means an independent medical exam and so on. I am worried what this really means as in the past (with other policies) I have found that an 'independent' exam is just a way of seeing how they can label the claimant fraudulent.

 

I am feeling really disillusioned with the whole debacle - I thought the point of cover was to protect you if you were unable to look after yourself due to illness/disabilty etc. Instead it seems that we are caught in a game with insurers trying to find a way to wriggle out of paying!

 

I'd like to hear from anyone who has gone through claims with them, and what you have experienced. I really want to know what I need to do to bring this matter to a close - asap.

 

thanks!

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Can you clarify that you partner was the innocent party and is making a claim against the TP for damages?

 

If so, is there an admission of liability, have proceedings been issued and has there been any interim payments?

 

I ask this as you have made a claim on your ciritical illness insurance, however, you cannot 'double up' as it were on your PI claim. By this I mean you cannot claim for a loss of earnings/care & assistance etc if you have already received a payment that may cover your losses from your own insurance company. It may then fall to your insurance company to make a claim from the TP in the accident to recover their outlay etc, but more importantly, it may, albeit doubtful, compromise a settlement with the PI claim and any recovery they may want to achieve may be prejudiced by any settlement you make and vice versa.

 

Of course you have to mitigate your losses and so may have to make a claim on your insurance, but you really need to discuss this with your solicitor as to what effect this will have on your special damages claim as you may only have a duty to claim against the TP and not utilise your insurance.

 

Quite a complicated situation and with the monies involved you really need to have a long discussion with your solicitor and barrister in a conference regarding your past and future special damages claim (especially if the prognosis is unclear as to how he will recover/job prospects etc).

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yes, he was innocent in the RTA. The other party was an uninsured driver and was charged after the accident with dangerous driving.

 

The case of the PI claim is still ongoing and very complicated - due to the lack of concrete medical evidence about his injuries. Liability still has not been settled, despite the charges against the driver and witness' statements about his driving behaviour. They haven't disputed it though so the solicitor wants to press this issue after issuing proceedings to them.

 

Re SP: the claim is for TPI and they have not said anything about a possible overlap with any other policies he has - I know with his Payment protection policies etc they are factoring in the PI case and that will affect any decision they make. If they have not raised the issue do I need to pick it up with them? So far they only seem to querying the medical issues and have not asked anything about other policies elsewhere.

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I would discuss any insurance claims you are making with your solicitors. They will know a hell of a lot more than anyone on here knows as they have all the facts of the case and can look at the policies if needs be and they will be able to give you advice and ease your mind.

 

It may also be the case that the insurance policies won't pay out as the TP will be liable for any losses incurred.

 

if that's the case, tell your solicitors you need them to issue proceedings asap to have a trial on liability as a preliminary issue.

 

Turning to the SP - it's always natural for the insurers to have the medical records etc examined by their experts, however, as they have (if they pay out) a chance of recovering their outlay from the TP, then it is likely that they will be less inclined to, how shall we say, be less bullish in the amount they pay out to you and the parameters for meeting the criteria necessary for payment may well be not as high.......of course that is simply speculation:wink:

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