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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Took a payday loan out with Cash Genie, who automatcaly rollover your loan unless you tell them that you don't want this to happen.

 

I decided to take control due to financial difficulties and cancel my Debit Card, upon doing this I emailed Cash Genie and offered an Installment Plan to pay the loan off over 6 months, however I toldthem that I am only prepared to repay the original loan amount plus 1 months interest.

 

Cash Genie have refused my Installment offer and insist i phone them to discuss the matter as they are there to help!!!

 

I have received 4 text messages offering me to repay £10 and rollover my loan and have all interest and charges waived, but I have to phone them. I have also received the following email........

 

As a special offer to help you get your account back on track, for today only we are offering all of our customers the opportunity to rollover their loan for the sum of just £10.

 

Regardless of the age of your loan with us, ALL charges and additional interest will be waived and your account rolled over until your next payday if you can pay by 5pm today.

 

To take advantage of this fantastic offer, you can either reply to this email, or call 0800 046 8121.

 

All we need from you is the following:

 

· Mobile phone number

· Current address

· Current employer

· Next Paydate

· Debit Card Number

· Expiry Date

· CV2

 

This is a genuine offer of help which will only be available until 5pm this evening.

 

So, they wont accept my Installment plan but want me to pay £10 to rollover the loan..... They must think I am stupid as all they are doing is fishing for my new card details so they can then dip into my account as and when they like!!!

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Do not phone them at any costs. keep all emails etc in case you need evidence in the event of a claim.

 

The text messages are common with CG. All they are interested in is keeping you in debt hence the "special offer"

 

Stick to your guns and keep us updated. In my case i refused to pay any further charges. I took all the extra charges off along with payments already made and offered the rest as full and final. I copied in trading dtandards too who i complained to regarding their actions. The offer was accepted and loan closed!

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Do not phone them at any costs. keep all emails etc in case you need evidence in the event of a claim.

 

The text messages are common with CG. All they are interested in is keeping you in debt hence the "special offer"

 

Stick to your guns and keep us updated. In my case i refused to pay any further charges. I took all the extra charges off along with payments already made and offered the rest as full and final. I copied in trading dtandards too who i complained to regarding their actions. The offer was accepted and loan closed!

 

Hi skyblue2027

 

I will be sticking to my guns .......I will be sending my full and final offer + a Telephone harassment letter by recorded delivery on Monday

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NEVER EVER give your card details to Cash Genie. Also, you may start getting emails and texts from other companies; they are linked with cash genie as well and are there to try and get you to give them your card details.

 

Also i read that they sent out a consolidation loan email to someone who couldnt pay them and then they got their card details and took all their money! stay well away.

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Yes Cash Genie are strange people. I had another payday loan with 1 month loan at the same time as Cash Genie. I negotiated a repayment plan with 1 month loan the very same day, by email and no telephone harassment.

 

Maybe other payday loan companies should take a leaf out of the 1 month loan book of negotiation skills....

 

I will write to Cash Genie with my final offer of a repayment plan on my terms, that way should these numptys decide to refuse my offer and try to Issue a CCJ at least the Court will see that i have attempted to repay the loan and that Cash Genie have refused my offers.

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I have 4 payday loans about 6 months ago and due to a sudden problem i could no longer keep up with. I told them all straight upfront and offered them token payments but all 3 flatly refused and have not go anywhere with since then but I must say Wageday advance were really understanding and have since day 1 never harassed me like the others as accepted a low payment from the start and they were actually one of the higher balances i owed.

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One month loan and Cash Genie are operated by the same people so it is rather irresponsible of them to allow you one each. I had an arrangement with Jamie at One month loan of £30 per month but he cleared my account out and too his debt that way. Far from ideal but I suppose I owed it them. Moral of the story - never give them your card details as that is all they are after when setting up plans.

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One month loan and Cash Genie are operated by the same people so it is rather irresponsible of them to allow you one each. I had an arrangement with Jamie at One month loan of £30 per month but he cleared my account out and too his debt that way. Far from ideal but I suppose I owed it them. Moral of the story - never give them your card details as that is all they are after when setting up plans.

 

 

I will not be giving my new card details to anyone .... If they are not prepared to accept my offer, then they can take me to court!!

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One month loan and cash genie are separate. A guy called peter tuvey and a few others left oml to form cash genie. Oml are no saints but cash genie are vile. They have been known to write to all your neighbours about your debt. They do seem to have been quiet recently.

 

If you give them your bank details they will without doubt empty your account.

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Yes correct, the genie that magically empties your bank account!!

 

DO NOT GIVE this lot any of your details and record all phone calls and keep all letters.

 

After my problems with them and my complaint with OFT and consumer direct, i still get offers of loans.

 

This lot really are the scurge of modern day loan sharks.......

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  • 2 weeks later...

Update

 

I have had numerous letters, emails and attempts to phone me offering so called 1 time offers of so called help.....or in my opinion ways to get you to give them your Debit Card/Bank details as so they can help themselves.

 

I have now offered on 7 occasions to repay the loan original loan amount + 1 months interest by Installments that I can afford and by standing order, my offer gets refused every time.

 

I received this lovely email this morning from Peter Turvey (Managing Director)

 

Dear drob

 

After reviewing you account, I have noticed that you account is overdue and I write to offer you assistance rather than a normal threatening message.

 

Please allow me to:

 

· Repair your credit score.

· Offer you a reduced balance as a settlement, or roll your account over.

· Remove all charges and administration fees from your account.

 

As a director of Cash Genie U.K Limited, I am a firm believer of putting you first and helping and assisting where I can. Take this opportunity to put your account back on track with a minimum of a £20.00 rollover, removing all previous interest charges that appear on your account.

 

The only condition to this offer is simple, if you do not default again, all charges and interest removed will never re-appear. Only, if this matter is pursued by a Debt Collection agency or Her Majesty’s Court Service would the balance be included.

 

Please feel free to contact me directly, or contact my collections team on 0800 046 8121 to take advantage of this offer. I do hope we can work together and avoid pursuing your account through the courts. As a company, we do use this action and it would be a breach of my Consumer Credit Licence to inform you of this, if it was not true.

 

Again, contact us today and make a minimum of a £20.00 payment to get your account back on track.

 

 

Kindest Regards

Peter Tuvey

Managing Director

1. Nice to see that Peter Turvey admits that Cash Genie's previous correspondence had been threatinig.

2. Nice to see the threat of Court Action.... At least if it does go to Court the Judge will be able to see that I have made every effort to reach a solotion to repay the muppets.

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Be careful with him as his track record is appalling. The fact one month loan were desperate to let all and sundry know that he no longer worked for them as he was dragging their name through the mud tells it all.They are bad but not asbad as Tuvey.

 

Then again maybe he is learning but it will be a turn up for the books if he has your best interest at heart.

 

Never let him have access to your plastic:)

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*Update*

 

Cash Genie are still refusing my Instalment plan.... the text messages and phone call seem to have stopped for now after I sent them a Harassament Warning email.

 

I am still getting an email-a-day with all sorts of so called "one off offers".....which is Cash Genie's way to get hold of your Debit/Credit card details which will then allow them to dip into my bank account!!

 

Here is their latest email to try and mislead me to try and get by card details...............

 

For today only,

Cash genie is giving you the opportunity to rollover your loan for the sum of just £10! Regardless of the age of your debt, all interest and charges will be waived if you can take advantage of this offer by 5pm this evening.

You can call 0800 046 8121 to pay, or alternatively reply to this email providing your long card number, expiry date and CV2 for us to process payment.

This is a genuine offer and it would be a breach of our consumer credit license to mislead you. I sincerely hope that we can get your account back on track and your debts reduced today.

I look forward to hearing your response.

I have had other PayDay loans with other companied and have been able to negotiate instalment plans with them all apart from Cash Genie.

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*Update*

 

I had an email from an alleged account manager who told me he was here to help ....Blah Blah Blah

 

I told him that I will repay the original loan amount plus one months interest by Standing Order by monthly installments. He replied ok can you make your first payment today.

 

I told him that I will set up a Standing Order today as long as you send me written confirmation that you accept my offer and that no charges or Interest will be added in the future.

 

7 days later and he has not sent me written confirmation, nor have I received any phone calls..... It has all gone very very quiet ........

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  • 1 year later...

took a payday loan out with cash genie uk and it was an american woman ,quite polite but neglected to mention that they will roll over your loan and you £45 per month but that was for the interest per month and dosnt come of the total bill, i stopped paying them due to this and phoned them up and asked them what they were playing at .

when i explained this to cash genie they said that they would check the phonecall and respond in 2 weeks ,well 4 months down the line and im still waiting for this call. I have been having text messages from carter forbes now this is a copy of the email

 

Dear Mr James Lillycrop,

 

Notice of Imminent Court Action: 14 days until Transfer to our Legal Team

 

Do not ignore this letter

 

Cash Genie v Mr James Lillycrop

 

We refer to our previous letter.

 

We are currently assessing your account for legal recovery and expect instructions from Cash Genie within the next 14 days to issue a County Court Claim.

 

Please call us on 0845 0268038 to stop this action and come to a reasonable agreement about your debt.

 

We look forward to hearing from you.

 

Yours sincerely

 

Carter Forbes Collections

 

Any advice please

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Never communicate by phone call. Theyll simply deny that a phone call was ever recieved or made as you are currently finding out. Also, remove your personal info from the letter, as PDL's are known to view these boards.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

just an update on James30111975 after arguing the toss via email with carter forbes who cash genie threatened us with many a times we sought of have a semi success against them. I warned them in an email that if they continued to send us such threatening emails texts or phone calls i would have choice but to report the matter... and also informed contacted financial ombudsman as in our case the loan was mis-sold and asked them to go back over the mnutes of the phone call and then come back to us. which they did and are now happy to accept that everything we have paid up already will be taken off the balance leaving a final balance of £15. However after undue months of stress I have asked them to waive it still waiting a response or will re-consult with ombudsman to see if that outcome is acceptable... keep fighting them they do listen.... sometimes

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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Actually, i would DEMAND compensation from them for stress/harassment and worry. You have a legal right to chase this up.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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