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    • Please see my witness statement below.  Please let me know what modifications I need to apply.  I haven't included anything related to "administrative charge while paying by credit or debit card" as I wasn't sure if I should include since sign says "it may apply"   Background  1.1 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.    Contract  2.1 No Locus Standi, 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 PoFA (Protection of Freedoms Act) 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.  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.    Unfair PCN  4.1         As stipulated in Exhibit 1 (Pages 7-13) sent by DCB Legal following the defendant’s CPR request the signage displayed in their evidence clearly shows £60.00 parking charge notice and will be reduced to £30 if paid within 14 days of issue. The defendant puts it to the claimant a request for strict proof when the signage changed to show £100.00 parking charge as the evidence provided by DCB Legal stipulated £60.00 parking charge was indeed the parking charge at the time defendant parked and included in Exhibit 1   4.3        The Claimant did not respect PAPLOC   4.4        It is also unfair to delay litigation for so long and claim nearly four years' interest.    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 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;      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.  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.    Double Recovery  7.1        As well as the original £100 parking charge and £50 allowed court/legal costs, the Claimant seeks recovery of an additional £70.  7.2        PoFA Schedule 4, paragraph 4(5) states that “the maximum sum which may be recovered from the keeper is the amount specified in the notice to keeper”. Which in this case is £100.  7.3        The Parking (Code of Practice) Act 2019 is also quite clear that the maximum amount recoverable is £100.  Government ministers and government web pages explaining the Act refer to extra charges as "a rip off".  7.4        Unless the Claimant can clearly demonstrate how these alleged additional costs have been incurred this would appear to be an attempt at double recovery.  7.5        Previous parking charge cases have found that the parking charge itself is at a level to include the costs of recovery i.e. Parking Eye Ltd vs Beavis (2015) UKSC 67 which is the authority for recovery of the parking charge itself and no more, since the sum £85 was held to already incorporate the costs of an automated private parking business model and the Supreme Court Judges held that a parking firm not in possession cannot plead any part of their case in damages. It is indisputable that an alleged “parking charge” penalty is a sum which the Supreme Court found is already inflated to more than comfortably cover all costs. The case provides a finding of fact by way of precedent, that the £85 (or up to a Trade Body ceiling of £100 depending on the parking firm) covers the costs of all the letters. 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.”  7.6        In Claim numbers F0DP806M and F0DP201T, Britannia vs Crosby the courts went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of Wight & Wiltshire. District Judge Taylor echoed earlier General Judgement 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 judgement in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for a addi8onal 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        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).  7.9        The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the CPRs, the Beavis case, the PoFA AND THE CRA 2015, and that relief from sanctions should be refused.    In Conclusion  8.1        I believe the Claimant has got use to intimidation tactics and has got greedy. I believe the truth of the manor is the Claimant has used bullying tactics successfully for too long and is therefore assured that innocent drivers will fall into the trap of paying rather than going through the hours it takes to defend themselves. In the process, wasting the time of the Court, the time of the Defendant and everyone else who has advised the Defendant, out of sheer decency to help have a fair hearing and see justice delivered.  8.2        I am still in disbelief that I am being heard in this court, defending myself nearly 4 years after receiving a charge through my door. I have had to spend weeks’ worth of my life studying the letter of the law in order to defend myself from this ridiculous attempt at a swindle.  8.3        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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Lowell Claimform - old North West Securties/CAPITAL BANK/HBOS Preference Account **CLAIM DISNISSED**


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Hi postggj.

Thats all that they sent me regarding my cca (along with someone elses cca on the back of it)

 

I really have no idea what the credit care was and have no policy document.

 

Would you advise I request it from them?

 

I have checked my recent statement and there is no ppi on that.

 

The loan was for my first car and I was as green as grass and would of signed my soul over to the devil at the time!

 

Youth is definatly wasted on the young!!!

 

I have been doing well with this one

but am starting to get a bit out of my depth as I received a very interesting letter from Pref account.

 

 

In it they have written that the account is unenforceable by them,

then they are still going to wreck my credit rating etc and also that this was not a credit card in the first place so tough!

 

 

They also say I have 8 weeks to get back to them.

 

They say that they cannot find the original t&cs but were sure that they were present when I signed 15 year ago (good memory they got)

 

 

instead they have sent me a lovely new and doctered one

which shows their new location and also my new location where i have lived for 4 years!!!!

 

 

what are they up to???

Bit lost with it.

Where do I go from here with it all???

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  • 1 month later...
In it they have written that the account is unenforcable by them,
Well that's all you need to know. you have their written admission that they cannot take legal enforcement.
then they say they are still going to wreck my credit rating etc and also that this was not a credit card in the first place so tough!
They would do that anyway whether you made payment or not by registering defaults. Luckily they can only do that for six years & it must have been recorded within six months of the a/c becoming deliquent under guidelines.
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Hi Cerb and thanks for looking in.

 

does this mean that i do not have to pay them anything and they can't hound me?

 

By saying from when it was made delinquent

is that the date I first defaulted on payment

or from them getting my dispute letter?

 

Not really bothered about my credit rating as my tennants kindly stole my id and wrecked it any way

(thats how I ended up in this financial mess)

 

If its ok with u I will scan a copy of the letter in the morning for u to browse a

nd confirm what I think it was saying as all a bit confusing to me.

 

Your help is much appreciated.

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2hs2ng2.jpg

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SENT 18th JUNE, THEY RECEIVED 21ST JUNE SIGNED FOR

 

vhb9r7.jpg RECEIVED 1ST JULY

 

v75s3p.jpg

s168ib.jpg RECEIVED 5TH JULY

 

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RECEIVED 8TH JULY (NOTE WANT PAID BY THE 6TH AND LETTER DATED 9TH!?!?!?)

ALL THOUGHTS WOULD BE VERY MUCH APPRECIATED. THANKS FOR LOOKING IN.

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Well they have accepted the fact that they cannot take any legal enforcement against you, all they can do is continue to mark your credit file which they would have done anyway.

 

The bottom line is you do not have to repay this alleged debt unless you feel morally obliged to, but as we know when it comes to the financial industry they have very few so why should you? ;)

 

Keep that letter very safe in case it's needed in the future.

  • Haha 1
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Cerb that was the message I have been waiting to read to confirm my thoughts.

 

After reading through it all again today it is startling how many mistakes and tricks these lot try to pull on folk.

you may or may not of noticed that not once in any letter of reply did they mention the other peoples cca they sent me either.

Think I will keep a hold of that to!

 

Thanks so much for your advice, really made mine a happy family tonight.

 

I realise the time you put in to help others here and it is truely appreciated, your a good un!!

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you may or may not of noticed that not once in any letter of reply did they mention the other peoples cca they sent me either. Think I will keep a hold of that to!
The fact that they sent you someone else's CCA probably has some bearing on how tame their response was. ;)
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their 'loss' my gain. do you think i should send any sort of reply within their 8 weeks or just terminate all communication and sit back and wait to see what comes my way?

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There's no point in responding really, they may be hoping beyond hope that you will set up a repayment plan but the most they can do under the circumstances is periodically ask you for payment. They can't get too aggressive otherwise they could breach CPUR & OFT guidelines along with harassment laws, so basically you can ignore them. The alleged debt would become totally Statute Barred after six years from your last payment anyway. ;)

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  • 3 months later...

Hi all.

 

Thought I would update you with what has happened over the past few weeks.

 

I have had my usual statement which has been getting interest added along with daily calls from BOS PREF on my mobile which I ignore.

 

I have also had Albion Debt collections write to me every couple of weeks.

 

The latest letter today says that rbs are going to start legals soon and send someone round to my house!

 

I pressume its not for tea n biscuits!

 

They ring my home number at least 2 times a day but never withheld so I simply dont answer.

 

In all fairness if this is the worst they can do I can happily live with it although I am sure they are breaking harrasment laws??

 

The big question is do i break my silence and write to them or just sit tight and ride out the rather mild storm???

 

Your thoughts appreciated.

Many thanks.

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Hi, Thanks for looking in. appreciated.

 

Yip it would look like they overlooked that letter.

 

If it ever does go as far as court I think their case may drop to bits when its produced.

 

You think silence is golden or will I write and point out that they already 'boobed' up?

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Hi

he did have a thread on here byt he is too ill to keep it going

so I will have to take over.

 

Any pointers would be greatly appreciated they just keep on passing us back and forth to DCA (That we can cope with).

 

The letter you hold from Bank of Scotland is priceless,

I had something similar from Creation Finance and they took me to court in Septemeber 2010

and once I produce the letter from them stating they know the CCA is unenforceable they backed off completey.

 

I managed to get win the case by getting it absolved

 

I must add if it had not been for all the help SFU gave me on CAG then I would have been in the black hole of culcutta by now.

 

Cheers

AFW

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Hi AFW,

Firstly can I say I hope your hubby gets well soon.

 

The only advice I can give is what the other wise folk on this site (cerb especially) have given me.

 

I do also think your doing the right thing by looking at other threads,

a couple of nights reading through posts helped me get the 'jist' of things when i registered on this site.

 

Good for you in court!

Nice to see someone beat them.

I will cherish the letter I have for sure,

I was stunned when I got it.

 

The DCA dont really bother me as they are being very tame at the moment.

 

I am sure it will get worse but I do have a couple of trump cards up my sleeve so I am feeling confident about the whole thing.

 

I will post any updates soon as i get them and any help I can offer.

 

Thanks for looking in and I hope that things start looking up for us all!

 

Regards,

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  • 1 month later...

Hi again all.

UPDATE.

 

I have had a letter from MOORCROFT RECOVERY last week stating that if I dont pay within 7 days they are going to take me to court!

Happy days.

 

They also rang 6 times a day on mon/tue/wed and i ignored them.

(quickley googled their number when it rang)

 

Think I will let them do their worst and just wait for the summons to come.

 

I have a feeling that BOS have not mentioned to them that they have already confirmed in writing that the debt is unenforceable.

 

time will tell!

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  • 4 weeks later...

Hi all and merry xmas! Quick update.

 

Got a letter from Moorcroft dca 3 weeks ago saying that it was the final notice before court,

 

I then got a letter on the 24th dec saying that they will be happy with me paying £120 per month

and kindly put a giro payment slip on the bottom of the letter.

 

It must be their festive spirit getting to their otherwise non existant feeling of goodwill

as I have not had any contact with them what so ever.

(ignorance is bliss)

 

I will post copies of the letters on my return to work after the 5th.

 

I wish everyone that has looked at this thread and of course the great cerb, a very happy new year!

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  • 5 months later...

Hi again all.

Its been a very busy start to the year, well at least for the DCA s!!

 

I now have capQuest recovery sending week me weekly letters. The latest one is as follows.

 

'we note with regret that you have chosen not to deal with this matter despite our previous communication endeavouring to assist

you in coming to a satisfactory agreement to settle this account without the need for legal action.

 

it is therefore our intention to progress your account to our pre-legislation system where the relevant validations and checks will be completed.

your account will then be passed to our solicitors who may commence legal action on or around 7 june 11.

 

through the litigation process we will ask to seek an order of the court, directing you to pay monies outstanding.

if we are successful and it is necessary to do so, we will seek to enforce such an order with a warrent of execution.

in the event that we obtain a woe, a court enforcement officer (bailiff) will be assigned to attend your address and carry out the warrant.

 

The bailiff will take an inventory and levy goods. you will be informed that the bailiff has impounded the goods

and you will be asked to sign a walking possesion agreement, acknowledging that the impounded goods are in the possession of the bailiff.

if full payment or a satisfactory offer of a payment plan is not made, the bailiff is authorised to remove the goods for sale to pay the debt and costs.

 

a walking possession agreement means that the goods that have been seized now legally belong to the bailiff and can be removed at any time.

 

however, she/he will allow them to remain in your home and you can continue to use them providing you keep your side of the agreement, e.g. you make agreed payments.

 

the fees charged by the bailiffs will be added to the amount owed. any additional costs for removing and selling goods will also be added to the amount you owe.

 

you should also remeber that any goods you own may lose value over time.

this may mean that if the bailiff seizes goods to discharge the sum you owe,

although the value of those goods will not exceed the amount you owe, it may cost you more to replace them.

 

all of this action is avoilable. it is therefore in your interest to prevent the above course of action by contacting this office immediately

to discuss settlement or your proposed arrangement to settle this debt.

 

our experienced pre-litigation team are on hand to assist you,

but this can only happen if you make contact before 7 jun11 a

nd failure to respond by the date outlined will result in legal action being instigated.'

 

So that s we are at!

 

I am wondering if now is the time to point out to them to get in touch with pref account

and ask them to have a look at the letter they sent or will I continue to stay silent.

 

Bailiffs coming to my door does not bother me at all if im honest.

 

I would like to know what powers they have if i am not in when they do call

ie will my better half answering the door give them the right to enter my house or do they have to deal with me only.

I appreciate any thoughts you may all have.

Thanks.

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Bailiffs coming to my door does not bother me at all if im honest.
For a start they will have needed to have obtained a CCJ against you which you have then defaulted on, then they would need to apply to a court for permission to enforce. Obviously they need to prove there is an enforceable debt before they can obtain a CCJ. ;)
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The bailiff will take an inventory and levy goods. you will be informed that the bailiff has impounded the goods and you will be asked to sign a walking possesion agreement, acknowledging that the impounded goods are in the possession of the bailiff. if full payment or a satisfactory offer of a payment plan is not made, the bailiff is authorised to remove the goods for sale to pay the debt and costs.
Only if you let them in, they have no power of entry.
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