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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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      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.

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DCA Claimform - MBNA Card debt with No Default Notice **WON WITH COSTS***


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Way back in 2006, while the account was in dispute, MBNA 'assigned' my account to a DCA without informing me, without sending a default notice and without a termination notice.

DCA then immediately issued a (invalid) default notice, then termination notice, ignored CCA requests for two and half years before sending application form and a set of terms & conditions which they claimed was an enforceable CCA agreement.

No sign of original, then they served a statutory demand which l have applied to be set aside - hearing in late May.

Is this unlawful recision?

Have tried other threads but am not getting many responses to my problem. Really need advice/clarification. Have spent hours working on this but am still confused.

Seem to have them on DN, no original agreement, abuse of process (using insolvency service as a means of debt collection) and possibly unlawful recision but need other opinions pls. HELP PLS!!!

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Yes Valdez, looks like they have shot themselves in the foot. They might claim in court (thats if they turn up, that they sent it,(Default Notice) in which case you will put them to strict proof of this, i.e. proof of delivery. Have a look at the copy of the Consumer Credit Act 1974 which is in the Statutes library, its best to hone up on all the various sections, have a look at the information supplied on Mollybe's thread, link following, I have posted up the relevant sections of the CCA plus quote of Francis Bennion and also quote from Susan Edwards of the OFT all of which I hope you find helpful.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188503-being-taken-court-please.html

 

Last couple of posts.

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Miss Muppett...thanks so much for your reply. I feel l am not getting much help with this very important issue, so yr post is especially welcomed.

 

I am reasonably intelligent and logical and have been trawling the forums, CCA, case law, other threads and have pages of notes and printouts from which to research, prepare and rehearse my appeal for set-aside of SD and l am getting there, l think.

 

But my specific question is this: OC never sent me Default Notice. They then sold or assigned the account to DCA, whose first letter WAS a default notice - no communication, no demand for payment, just a Defaullt Notice (which is also invalid due to inaccurate timescales) - so where do l stand with this?

 

Additionally, there is no notice of assignment, just a letter (2nd class) from DCA telling me this is so. I have long paper trail and all my corres has been by recorded delivery, unlike theirs.

 

I had previously been in serious dispute for many months with OC who wrote giving me 8 WEEKS to continue/respond to the dispute, 15 days before l received DCA's Default Notice.

But if l disclose this, am l not then admitting the debt exists and may be enforceable?

 

I believe l have a strong case, but am worried none the less. Particularly as l have read so many threads about county court judges ignoring statutes and allowing DCAs to take the moral high ground (laughable l know!)

 

Advice very much welcomed - they are going for bankruptcy and l could not face this. My wife is cracking up and, though l am trying to be strong, its getting to me too.

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Right here's another link where you can see that I totally messed up when defending my daughter's SD but it wasen't the end of the world.

 

I totally know where you are coming from with this but one of the things I learnt at the first awful hearing was that the default has to be in the original creditor's name.

 

If they do turn up and in both our attendances at court, they didn't, you will be able to show the Judge that your account was passed without default or notice of assignment from the OC( they the DCA's write their own copies can you believe using the headed paper from the OC) but you have to have the "goodbye" letter first and you didn't.

 

Now, the other point you are worried about is admitting the debt as you'll see we did this in daughter's case and I did it in my own against MBNA because of the tricky situation of managing to get penalty charges returned but I told the Judge I had paid up to the point I found they hadn't got an enforceable agreement because I did not know my rights under the Consumer Credit Act at that time.

 

The reason all these sections of the CCA are in place and various case laws is to protect ordinary folks such as us who get into difficulty often thro no fault of our own.

 

I do think its better to go to court with moral support, you do have to ask permission of the court clerk first, I was allowed to speak in the second hearing but even if they are just turning the pages for you or pointing something out, its a help. Don't worry Matey I just know you're going to be fine:-

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/151427-miss-muppets-daughter-1st.html

 

And also, crikey you'll think I'm your stalker next:lol: have another look at the link in post 4 as there is some excellent advice from Vint on unlawful recessions.

 

Y'see I just can't leave you alone now:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/207135-stat-demand-arrow-global-5.html

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Hi Miss Muppet...thanks for yr invaluable info...soumds like you were put through the mill by an outrageous judge initially, but you won in the end....and don't worry about 'stalking' me, l need all the help l can get.

 

Have been away, but am due in court next week and need to get this right.

 

Can you (or anyone else) pls point me to the CCA section which states OC must issue Default Notice before selling/assigning a debt to a DCA?

 

I have found most other relevant info for my set aside appeal but can't find this bit. Thanks again.......Valdez

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Hang on Valdes, been out for the day, the CCA 1974 is in the statutes library, if I don't nod off I'll try and find it!!

 

Hopefully this is what you need but will have more detailed look 2morrow:-

 

pdf.gif6. Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983.pdf

 

You might need to look at the 2004 amendment as well Valdez, and also its section 88 of the CCA that refers to default notices, got the latter from VJ's brilliant thread on his battle with HFO - going to have lie down in darkened room now:D

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Hi Miss Muppet...thanks for yr invaluable info...soumds like you were put through the mill by an outrageous judge initially, but you won in the end....and don't worry about 'stalking' me, l need all the help l can get.

 

Have been away, but am due in court next week and need to get this right.

 

Can you (or anyone else) pls point me to the CCA section which states OC must issue Default Notice before selling/assigning a debt to a DCA?

 

I have found most other relevant info for my set aside appeal but can't find this bit. Thanks again.......Valdez

 

Vi Valdez,

 

I have done some considerable research into this question for my own situation and think I have determined that a Default Notice only needs to be issued before the account is terminated; in theory they could sell the debt on without defaulting/terminating the account (although I would imagine that would be unlikely! They usually only sell them when they have tried to get the money and failed, and that usually entails issuing a default and then terminating the account and demanding the full balance!). However, if you check your credit file with the CRAs for a Default entry by the original creditor then this would confirm that they issued one (of course that doesn't mean you were served correctly with it! They need to prove that they sent it - i.e., at the very least they need a certificate of posting.).

 

If the account has been terminated (i.e., they are demanding the full balance) then they need to prove that someone issued a default notice before the account was terminated, whether that was the OC or the DCA. Of course the DN must also be correct with timescales, etc. If the account was terminated without a default notice then this is unlawful rescission and you have a remedy for damages for at least £1000 plus damages of up to about £10,000 for damage to your creditworthiness!

 

Hope this helps!:)

 

Colin

P.S. Once the first default notice has been issued and then the account terminated, no further default notices can be issued as there is no longer an agreement to default on! i.e., they only get "one bite of the cherry" to get this right, and it seems most fail this atempt! :D

Edited by colin21958

Here are links to my other threads... Please take a look and offer any help you can. Thanks...

 

1. Legal Action - Cabot Financial (Goldfish Account) ***WON***

http://www.consumeractiongroup.co.uk/forum/showthread.php?252630-Urgent-Help-Required-With-Disclosure-***WON***&highlight=

 

2. Legal Action - Set aside application - Marlins/Phoenix

http://www.consumeractiongroup.co.uk/forum/showthread.php?265002-Set-aside-of-judgement-(acceptance)-help-needed&highlight=

 

3. Legal Action - Set Aside Default Judgement -Santander (B & Q Store Card)

http://www.consumeractiongroup.co.uk/forum/showthread.php?261340-Urgent-Help-required-drafting-defence-for-set-aside-application&highlight

 

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Vi Valdez,

 

I have done some considerable research into this question for my own situation and think I have determined that a Default Notice only needs to be issued before the account is terminated; a dn must be issued for any breach where they seek s87 in theory they could sell the debt on without defaulting/terminating the account imo, no.(although I would imagine that would be unlikely! They usually only sell them when they have tried to get the money and failed, and that usually entails issuing a default and then terminating the account and demanding the full balance!). However, if you check your credit file with the CRAs for a Default entry by the original creditor then this would confirm that they issued one (of course that doesn't mean you were served correctly with it! They need to prove that they sent it - i.e., at the very least they need a certificate of posting.). imo, they need to show on a 'balance of probabilities' that it was issued/posted. a cert of posting may not be needed. depends on the J.

 

If the account has been terminated (i.e., they are demanding the full balance) then they need to prove that someone issued a default notice before the account was terminated, whether that was the OC or the DCA. it would have to be the oc imo, as above. Of course the DN must also be correct with timescales, etc. If the account was terminated without a default notice then this is unlawful rescission and you have a remedy for damages for at least £1000 plus damages of up to about £10,000 for damage to your creditworthiness!

 

Hope this helps!:)

 

Colin

P.S. Once the first default notice has been issued and then the account terminated, no further default notices can be issued as there is no longer an agreement to default on! i.e., they only get "one bite of the cherry" to get this right, and it seems most fail this atempt! imo, a dn can only be issued once for any particular breach. if the dn/breach is remedied, then a second dn can be issued later on if there is another breach (provided of course that it is a valid dn).:D

 

..

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Thanks for that Colin & Ford

Re your last comment, Ford - it was my understand that a further DN could only be issued if the debtor consented to this (i.e terminated agreement = no agreement to issue a DN against)?

 

Can you or anyone clarify pls - l have to get this right first time

Thanks........Valdez

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Thanks for that Colin & Ford

Re your last comment, Ford - it was my understand that a further DN could only be issued if the debtor consented to this (i.e terminated agreement = no agreement to issue a DN against)? not quite sure what you mean. but, imo if there was termination following a wholly defective dn, then the consensus is that the agreement did not 'continue' as it has been rescinded. therefore a further dn in those circumstances is 'void' ie not applicable as there is no 'live' agreement to issue a dn on.

 

Can you or anyone clarify pls - l have to get this right first time

Thanks........Valdez

 

..

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Ford - thanks - yr answer is exactly what l wanted for confirmation.

DCA stated 'will terminate' agreement on a date which was within 14+2 days of dates shown on DN.

Therefore, l understand recision has occured, there is no agreement in place anymore and, therefore, they cannot now issue a new DN to rectify this (unless l agree to this - which of course l won't).

Can you pls confirm this? Many thanks...................Valdez

 

Am in court next week so would appreciate some concise help with this pls.

Since swearing my affidavit at court, some new information has come into my hands which l believe is essential to my appeal.

I need to know just what l have to do to have an additional statement/affidavit containing this info added to my original so that l can use it in court.

Do l have to go to the court again and swear on oath again?

Is there a particular form l need to complete?

Or can l just write to the court/judge advising l wish to add info to or amend my original affidavit.

This is vital....PLEASE....any help much appreciated. Many thanks.

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you should have had a notice of 'assignment' ie sale of the matter. if not, then this another matter in your favour.

if the dn is invalid as you say, then the consensus is that there is no 'live' agreement in place anymore once they have 'terminated' (therefore unlawfully). it has been rescinded for breach. a valid dn is required re s87 cca before termination. imo, a dn cannot be issued in re of an agreement that is no longer 'live'.

have you done a sar? this may provide some useful info. at what stage are you at with this?

some dn info

http://www.consumeractiongroup.co.uk/forum/show-post/post-2166205.html

wait for more opinions/advice just to be sure :)

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Ford...thanks again...l sent SAR to OC as soon as SD was received, but they have 40 days to reply and court case is this week - so l'm not going to get this info in time for my appeal.

I applied to the court for an adjournment, and paid £30 for the privilege of the judge refusing it, unless claimant agreed, They refused.

No notice of assigment received only DCA telling me they owned the debt. Then in a later letter they stated they were not the creditor under CCA.

So l don't know and won't know in time if DCA has equitable or legal assignment. I really needed more time to make my case - but now have to work with what l have available. Any thoughts on this?

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valdez, if the dca has bought, then they 'step into the shoes' of the oc.

as you're already in court with this re SD etc, then i think you'll need further help.

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Thanks Ford. I have clicked the red triangle on your last message as advised - but it states 'only to be used to report spam, etc'.

Am l clicking the right place?

Its late so l guess no response til Sunday anyway. Thanks for yr advice and pls keep looking and add anything you think might be useful.

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did you leave a message after hitting the triangle? you should get a response soon. if not, bump your thread requesting help asap.

do you have any further info re your case?

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Yes left message and yes asked for help.

Have lots more info but don't want to reveal too much as 'they' may be watching.

Have been at this all day - with brief break to watch Cup Final - and can't absorb anymore so am going to bed now and will resume tomorrow. Many thanks.

 

Bump....need some advice urgently tomorrow on this please. Many thanks.

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Caro, thanks for yr post late last night.

Have looked at those links and they are helpful

My defence is almost complete - but l need to add some info that has only come into my hands in the last few days to my affidavit. Any advice pls on how l go about this? (see my other thread which l have bumped)

Is it even permitted or am l stuck with what is already in the affidavit?

This is really important as the info l now have should mean DCA cannot proceed.

HELP PLS!

 

BUMP....can anyone advise on this pls? Its very important that l know what l can do about this. Thanks.

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Postggj......l have located a document which l could not find when l completed my set-aside affidavit. Don't want to say what it is, but it should blow the DCA's SD out of court.

Clearly, in my affidavit l said l had not received this document (although it was referred to). When l looked through my paperwork it genuinely was not there (had been missfiled) and was only found this weekend when looking for something else.

I don't want to sound like l'm being untruthful in court cos l haven't been. But l do need to be able to introduce this document.

Do you know anything about how set aside appeals work?

Should the judge allow me to present my case (skeleton argument will be presented) or must he/she make me stick to what's in my affidavit?

Haven't been to one previously, so l don't know.

Can anyone through some light on this. Thanks.

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