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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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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abbey(other DCAs )NOW hillesden/dlc?


happyhamr
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hellow every body,posted on here before(certain topics)and find it

"Excellant"

 

1- had original loan with abbey in 2005;

2-making payments ok untill ,april08(difficulties),then got a DN aug08 and a letter from Westcot dca in "arrears"blah/blah,was pooing my "pants at the time,.got help , paid arrears(relatives:))workng / paying again.

3-problems again. another DN (MARCH09),arrears again,and another DCA,

"Debt management recovery services"-april 09,

4-Another DN,dated 2/5/09.I did not do any thing relating to this ,and then recieved a letter dated 7of july from abbey stating - (another DN)

 

''Important - you should read this carefully.

This is a letter confirming termination of your unsecured loan agreement with the Abbey National PLC'' ? dated 7/7/09 Arrears *******

 

BLAH BLAH BLAH

 

''The following actions set out below will now be taken against you without further notice''

 

1 - The outstanding balance on your account will be either passed or sold to a debt collection agency for recovery of the outstanding balance.

2 - Default information will be passed to the Credit Reference Agencies to which we subscribe.

 

5-The next letter i recieve is from DLC dated 7/9/09 stating,

This debt has been assigne to Hillsden securities ltd,trading as (DLC).

This means that Abbey National no longer own your account and your account is now owned by dlc.All future payments and contact must be made with us.

We will start reporting against your credit file within 30 days of you receiving this letter:eek: (the thing is i recently received copy of my credit report,no mention of abbey just that "HILLESDEN" are on it,stating

"DEFAULTED" 08/07/09:eek: "HOW can this be?

 

6- Letter dated 14october09(DLC/client hillesden)

We can confirm the following payment plan has been "agreed"

amount £1.00,frequency monthly,To start from 30/10/09(is this good i have a letter like this?)

7-Have been of since November,(still waiting for operation on my back,so

finding thess forums has been ,very,very usefull:wink:

8-Have been making £1.00 payments ever since(cant afford any moreATM)

9 - should i do a CCA request/ and who too?

10-sorry for the thread,going on and on and on,but i thought i would put

down as much information as can(no scanner/crap on computers,its taken

me ages just writing all this down:?

11-Any "help",advice/info on how to proceed would be very much "appreciated"

12-I "feel" some thing is not quite right. "Thanks again",happyhamr:)

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Hi, Happy,

 

I've only been learning about CCAs over the last few months, to answer your question 9, it sounds to me like you should CCA Hillesden (Hillesden Securities Ltd, yes?) with a £1 postal order & remember to print not sign your name on the CCA request letter, which is here

 

Also you might like to do a search in the Debt Collection Industry forum (here) to find others who have experience of Hillesden. To answer your question 6, it's always good to keep all correspondence from DCAs, I have boxes of it in my storage cupboard! Saving it for Bonfire Night 2010 ;)

 

Hopefully someone will be along who can give more advice than I can.

 

Take care, all best,

H.:)

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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4-Another DN,dated 2/5/09.I did not do any thing relating to this ,and then recieved a letter dated 7of july from abbey stating - (another DN)
Can you scan that DN and post it up after removing identifiers?
9 - should i do a CCA request/ and who too?
Yes to whoever is demanding money now.
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sorry,cerberusalert can not scan it(have not got one),but i will type it up

exactly how it appears. In the "DARK AGES"any thing to do with

COMPUTERS:confused:

 

IMPORTANT-YOU SHOULD READ THIS CAREFULLY

This is a letter confirming termination of your unsecured loan

agreement with Abbey National Plc

 

Dated: 07/07/09 Loan Number: ***** ********

Arrears: £*****

 

This letter is provided subsequent to the default notice issued to you in accordance with section 87 of the Consumer Credit Act 1974 and our recent letter notifying you of our intention to register default information at the Credit Reference Agencies.

 

We are now informing you that as you have not complied with the actions required under the default notice and paid the overdue amount on your account, your loan agreement has been terminated.

Furthermore, any existing Payment Protection Insurance in respect of this loan agreement has been cancelled.

 

THE FOLLWING ACTIONS SET OUT BELOW WILL NOW BE TAKEN AGAINST YOU WITHOUT FURTHER NOTICE:

 

1 - The outstanding balance on your account will either be passed or sold to a debt collection agency for recovery of the outstanding balance.

 

2 - Default information will be passed to the Credit Reference Agencies to which we subscribe.

 

Cerberusalert, this is how the DN is. Thank you for input,"Appreciated":)

 

Hope this "helps",regards happyhamr:)

 

sorry so late posting,i am off to bed. Good night all:-)

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sorry, i thought the letter dated 7/7/09 was DN because it

mentioned(section 87) I do appologise:-?

 

The actual DN was dated 02/05/09.I will type it up exactly how it appears.

 

IMPORTANT - YOU SHOULD READ THIS CAREFULLY

This is a default notice served under section 87(1) of the

Consumer Credit Act 1974.

 

Dated: 02/05/09 Loan Number: ***** ********

Arrears: £******

Re: Your Loan Agreement With Abbey.

PROVISION OF AGREEMENT BREACHED: The clause which requires you

to make payments at the time stated in the agreement.

 

NATURE OF BREACH: Failure to pay the over due amount.

 

ACTION REQUIRED TO REMEDY: Payment of the overdue amount of

£****** to us within 14 days of service to this notice.

 

If the action required by this notice is taken before the date shown no further enforcement action will be taken in respect of the breach. If you do not take the action required by this notice before the date shown then the further action set below may be taken.

 

If the payment required is not received by us before the date shown we shall become entitled to demand payment of the whole outstanding balance of your account. We may take legal proceedings against you for the recovery of this balance which currently stands at £#### or we may refer your account to debt recovery agents.

If payment of this balance results in us obtaining payment before the sum would become due under the Arrangement, we shall allow any appropiate rebate of charge.

 

If you are not sure what to do, you should get help as soon as possible. For example you should contact a solicitor, your local trading standards department or your nearest Citizens Advice Bureau. If you have difficulty in paying any sum owing under the agreement or taking any other actioned required by this notice, you can apply to the court which may make an order allowing you or any surety more time.

In your own interests you are strongly advised to contact the company by telephone on 0845 6040377 quoting the above reference number if you cannot pay the arrears in full.

Enc: OFT Default Information Sheet.

Minicom users please dial via Type talk on 18001 0845 6040377

 

THE END:)

 

so the letter dated 7/7/09 is a Termination Notice,and the letter dated

2/5/09 is the DN.

Hope this helps.I have no scanner so have to type

every thing at the moment .

Thank you once again,cerberusalert,

happyhamr:)

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That default is defective in a couple of points, the first is that they have only allowed you the 14 days to remedy they have neglected to allow for service by post which is 2 days 1st class or 4 days 2nd class. The other point is it is not date specific.

 

Because they have terminated on the back of a defective default notice they have 'Unlawfully Rescinded' the agreement & can only legally claim the arrears at the time of the default.

 

What would be nice now is if the CCA is defective too, did you request a copy?

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Thank you once again,cerberusalert:)

 

I have not CCA requested yet,but i will do shortly.

 

I have been looking around the forums today and i found something

quite "Intresting" in the (debt collection industry-Abbey loan+Hillesden)

 

The CCA looks exactly like mine,but mine does not have any signiture box

in the bottom left hand corner.:eek:

 

Do i keep paying my £1.00per month,as agreement 6-("we can confirm the

following payment plan has been agreed or just do the cca request and see what is sent back?

 

Also what should i do about the "Default notice"on credit report.(should

Hillesden even be on it):rolleyes:

Thanks ever so much,cerberusalert.

happyhamr:)

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Also what should i do about the "Default notice"on credit report.(should

Hillesden even be on it)

You could keep that to yourself for now,

 

Send for the CCA and see what that throws up, the more ammunition the better ;)

 

As for paying them £1 pm, that's a decision only you can make. ;)

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hellow :)

 

could someone please explain what is unlawful recission?.............OR

 

Do i just say,Dear hillsden i accept the unlawful recission of agreement

number ********,and stop making my £1.00 payment?

sorry i am not to sure ,atm (this all new to me:confused:)ish...?

Is it definately hillesden who i would have to write to?(not sure what to

write.

 

what are likely consequences of letter:roll:,to hillesden?

 

thanks people:) thank you cerberusalert:)

 

happyhamr

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I accepted the unlawful rescision on my account, they wernt happy and have the cheek to send me new statements even though they zerod the account due to termination and confimred in letter. Now funny enough since telling dca to remind them I accept their actions the ammount has reappeared in the account as debit.

 

Its magic xx

 

But of course handy for when they next threaten court,

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Thanks for your replies,is the address i send letter to abbey the one

dated 7/7/09?(termination letter address?)

I know (hillsden-address)

 

is it ok to send these letters.(no time issues,with it being nearly a year ago?)

Just want to "clarify"......

 

Cheers,cerberusalert and loopinlouie.

happyhamr:)

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Thanks for your replies,is the address i send letter to Abbey the one

dated 7/7/09?(termination letter address?)

Yes
is it ok to send these letters.(no time issues,with it being nearly a year ago?)

Just want to "clarify"......

Have you made payments during this time?
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I see you've been paying £1 per month for 8 months, there was a recent case where a judge wouldn't accept the defence of 'unlawful rescission' because the defendant had continued making payments ergo they hadn't accepted the rescission. :( It's not necessarily a disaster in itself, but hopefully any CCA they send will be defective.

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  • 1 month later...

hellow:) (update)

 

i have cca requested hillesdens. (7/7/2010)

 

received letter back from hillesden(the"i will up date you in 21 days,blah blah)

 

 

last bit states; Whist we may not be able to enforce the agreement until the documentation is provided,the monies remain outstanding and the underlying obligation to repay remains intact:rolleyes: In view of the above judgement the account will remain with our collections activity to continue

 

update in 21 days ,,,,,,,,,,,,blah

 

yours sincerely A E Locke

Director& Data Controller

Direct Line: 01280 707513

sorry could not write whole letter out:(i finger:))but i know you good people "get my gist":)

 

what should i do next:) thanks happyhamr:)

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