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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No 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 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 this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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URGENT: Lewis Group pretend to be balliff/debt collector money to stop action


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Guest Mrs Hobbit

This letter tells him that you know your rights and are not frightened to use them. His tactics are intimidation and this is against the law. Please report him to the OFT and Trading Standards in your area. He also needs to be reported to the Lewis Group. they know the law and if they turn a blind eye to his tactics it could result in their license as DCA's being revoked.

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I forgot to mention I called the lewis group today to try and arrange repayments that I could afford but they could not help me as it was in the hands of their balliff department. They also said I had to pay £122.00. Who do I go to to get a repayment plan sorted because the lewis group washed therir hands of me until i pay the £122. So what do I do next do I need to go to the court for certain court papers?

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Guest Mrs Hobbit

No, no , no, they do have negotiate. they are trying to get you to pay up so they can collect a percentage.

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No, no , no, they do have negotiate. they are trying to get you to pay up so they can collect a percentage.

 

As I said the Lewis group have my debt in the hands of the balliff department and to release it from there i need to pay £122 they said that it's black and white either I pay them £122 or if I don't there representative will call again with the balliffs which they say they have a right to do because they have a ccj against me and all they need to do is go get a warrant of execution to visit again. Paying the money only gets the dedt passed back to their solicitors howard and cohen and they said they will ask me what I can and cannot pay but until I pay up it will stay in the hands of the balliff department without a chance of me ever repaying it. So I really need to get this back to by the court because the road with the lewis company is blocked by a brick wall.

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Guest Cartaphilus

I'd suggest you follow the advice some have already given including reporting this lot, just seen your post about it involving a CCJ. Just logged in so not read through the entire thread.

 

department and to release it from there i need to pay £122 they said that it's black and white either I pay them £122 or if I don't there

 

Just seen your post so edited mine to reply to it, that sounds like extortion to me eg we will do this is you pay us ££££.

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All good advice given by the above Nicola. If you do choose to have someone with you next time the bully returns, make sure that they are aware that they should keep quiet, let you do the talking and under no circumstances should they use threatening behaviour or bad language - it could backfire.

 

You're here now, and as you've seen, people are willing and able to help. Try to stay calm, take the advice given and things will get alot better.

 

Definitely send the "No Visits" template letter. When and if you contact Lewis Group, do it in writing, sent by recorded delivery. Don't sign anything, just print your name at the bottom of your letter(s).

 

You mention a CCJ - what was the court's ruling? How much did the court say you had to pay and how often? Are you in breach of that order? That's what matters. Until you are in breach of a court ordered CCJ, bailiffs or those pretending to be bailiffs aren't allowed to touch any of your property/posessions.

 

Very best of luck to you, I hope everything turns out okay and that your parents are fine.

 

 

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As I said the Lewis group have my debt in the hands of the balliff department and to release it from there i need to pay £122 they said that it's black and white either I pay them £122 or if I don't there representative will call again with the balliffs which they say they have a right to do because they have a ccj against me and all they need to do is go get a warrant of execution to visit again. Paying the money only gets the dedt passed back to their solicitors howard and cohen and they said they will ask me what I can and cannot pay but until I pay up it will stay in the hands of the balliff department without a chance of me ever repaying it. So I really need to get this back to by the court because the road with the lewis company is blocked by a brick wall.

 

If they are saying they have a CCJ against you - I assume you know nothing of this & therefore gives you greater power. You need to check your Credit History - one of the quickest ways to do this is to take a Free trial out with Experian or similar and look - don't forget to cancel afterwards as their charges can be hefty.

 

I see you mention a Solicitor called Cohen - this justs gets better as there are lots of threads on here about his nefarious dealings.

 

Remember if they did have a CCJ then they would have enforced against the Judgment - I suspect again they are telling porkies.

 

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Nicola85

 

When you feel calmer can you give us all the details from taking the card out, who with and any other relevant information.

 

Then can you let us have details of any letters, and how you dealt with them, if you have had CCJ documentation and whether you defended it. and give us just an outline of payments you made.

 

When we've got that there will be people on this site who will hold your hand while you're sorting it.

 

Please don't be bullied, I was yesterday but today took my head out of the sand and stood up to them and feel so much better,

 

Note to me ...... get specs changed because I missed your postings about who it was.

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This is ridiculous!! what other country in the world would tolerate this, if this was the USA this guy would be in intensive care by now.

 

Do you have a male friend who is confident, fit and just a touch agressive to be with you next time this idiot come around?

 

What part of the country are you in? I'll come and do it!

 

This is the lowest form of intimidation, he needs to be stopped now! these people are **** and should be treated as such. You really do need to call the police immediately he appears, and definitely follow the previous advice, complain to Lewis about his intimidatory and threatening behavious.

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Guest Cartaphilus

Howard Cohen and Lewis of course being linked. Anyway, as someone suggested ... More detail/information is required here when you feel able to.

 

You may also want to look up the Protection from Harassment Act. I edited out what I put before so I could reply to your last post Nicola ... about reporting it as others have suggested, this person, I think, needs his fitness to operate as a debt collector looked into and, if necessary, his licence removed. From what you have described is without argument using intimidation towards you and under any other circumstances eg in a public place, at work he would be dealt with accordingly. This scenario is no different, whether or not Mr Ape wants you to know that or not. The fact he is doing this when you are alone, suggests he knows he can do so without witnesses. Exactly like any other bully. He has no power over you whatsoever to come into your home and do this to you.

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Hi Nicola. The Lewis Group are putting the frighteners on you. The man who called at your home will only be a collector and he has no more rights to be on your property as i do. He cannot make your parents pay your debt. This man is a right liar which is typical of a Debt Collector.

 

The only way they can send a Bailiff to your home is IF they take you to court, get a County Court Judgement against you and you dont pay the CCJ. They are just trying to scare you into paying.

 

You are getting the best advice on here. Do not phone Lewis Group, IF this collector comes back tell him to leave before you call the police for Breach of the Peace. Fantastic advice in post 12 from Rebel11. Just follow the advice on here and you will be fine.

Edited by Blondmusic
:cool::cool: Blondmusic :cool::cool:
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Thank you for all your helpful replies. I feel a lot better and a lot calmer about the situation and I'm taking on board all the helpful advice I've been given and I'm going to spend the evening mulling it over in my mind.

 

I did manage to do some fishing of my own. I've managed to find out more about that the Lewis Group.

 

Please take a read:

 

Gone fishing – the Lewis Group’s debt collection techniques | BitterWallet

 

the Office of Fair Trading (OFT) debt collection guidelines which stipulate that debt companies should not undertake “unfair practises” such as:

 

leaving out or presenting information in such a way that it creates a false or misleading impression

 

not making clear who they are, who they work for, what their role is, what the purpose of the contact is

 

That all sounds pretty farmiliar.

 

What can be done about letters like these? Unless The Lewis Group contact you by name, state the nature of the debt and who they are seeking to recover monies on behalf of, ignore their correspondence – the letter has no legal standing and you’re not required to contact them.

 

I've never had any letters saying my debt had been asigned to them. They have not contacted me by name or stated the nature of the debt or who they are seeking to recover monies on behalf of.

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Guest Cartaphilus

Have you ever received a court summons, I know you've mentioned a CCJ a few times ... I am just trying to work out where all this fits into your situation , ignoring what the liar from Lewis has said to you for the meantime... Which it sounds like they might be but have you actually been to court and had a CCJ issued against you?

 

they say they have a right to do because they have a ccj against me and all they need to do is go get a warrant of executionlink3.gif to visit again.

Edited by Cartaphilus
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Guest Cartaphilus

I've had a quick glance through some of your old posts just to try and get some more back history to all this. Is any of what's happened connected with this as it mentions Howerd Cohen. If not, ignore.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/263444-judgement-default-without-default.html

Edited by Cartaphilus
Changed the link to the right one
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Guest Cartaphilus
Job for the boys in blue?

 

What I wondered earlier and why I posted about getting that 'debt collector' investigated for his behaviour. Also, as posted and described, asking someone for money in the way as described would and grossly mispresenting themselves, their powers and asking for money at the same time to stop non-existent action. Though, in the meantime, I found that other thread which does mention judgement by default and also with Howerd Cohen. If Nicola could clarify whether they are connected, as it would greatly perhaps change things here on how to move forwards with this.

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Nicola85

 

When you feel calmer can you give us all the details from taking the card out, who with and any other relevant information.

 

Then can you let us have details of any letters, and how you dealt with them, if you have had CCJ documentation and whether you defended it. and give us just an outline of payments you made.

 

 

DETAILS

 

Signed credit agreement in 2005 for Frasercard.

 

Purchased bits and pieces on storecard from 2005 - 2009

 

Defaulted on payments to storecard July 2009 because of difficulties with regular income.

 

Since defaulting on payments. Small token payments were made to storecard and company was contacted and told of difficulty I had paying minimum payment. Income and expenditue sheets should of been sent out and never were.

 

Token payments stopped October 2009 when I could no longer afford them. Letters were sent demanding payment.

 

Begining of January 2010 Recieved notice of assignment to Howard Cowen nearing £1000

 

End of January 2010 Claim Form recieved and aknowledged and defence was entered within the time limit.

 

Then things start getting sticky:

 

I was suppost to of gotten an allocation questionnaire which I never did. I know this because I pick up the mail on a morning and I never recieved it.

 

May 2010 - JUDGEMENT FOR CLAIMAINT (IN DEFAULT) recieved

 

To the defendant,

You have not replied to the claim form. It is therefore ordered that you must pay the claimaint £00000000 for debt (and interest to date of judgement) and £000000 for costs. You must pay the claimant total of £0000000 forthwith.

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Guest Cartaphilus

Thank you, the situation now begins to become a little clearer. So it was connected to your other thread.

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I have just briefly read through the above, and I agree with all of what has been said.

 

I am going to try and be helpful and put it all in an order that might help you recall past events and help us to give you any further advice we can.

 

Firstly, you were in debt, when did you take out this Agreement and was it a Credit Card, Loan etc.

 

When did you last make a payment, and to whom.

 

You should have received many letters both from the original creditor and then you should have received a default Notice and then a Termination Letter.

 

Shortly after that you should have received a letter of Assignment informing you that the original creditor had sold the debt to a debt collector.

 

Now, noticing some of the names you mention, it is quite likely that a CCJ has been fast tracked through Northampton.

 

If you could find out how long ago this was, you 'may' be able to get this set aside.

 

You can check easily enough online at: CCJs, court orders & fines - Search yourself and others - Trust Online

 

What should then have happened is that you will have received a County Court Judgement Notice and this would have informed you how much you should be paying to the Court each month.

 

Only when those payments are either missed or not paid at all, can the DCA apply to the Court for a Warrant of Execution. You can again apply to have that set aside too.

 

If one of those is granted by the Judge : A Bailiff from the County Court with proper identification will call to make an appointment to visit you at home.

 

The above is a shortened form of what has to happen prior to a bailiff calling.

 

As has been said the 'person' who called is a thug and a liar and he needs reporting. If you really are unable to speak with him at all I would write the letter as above, and put it on your front door. I would also ask him to pop his card through the letterbox and then you will have a name to Report and make an official complaint about.

 

Hopefully I have condensed all the above information for you and we can now take it step by step to help you through all this.

 

I join all other posters in confirming that you should not take this to heart (easy for us to say, I know, but many, many of us have been affected as badly as you are now). You are amongst friends, he is but one nasty man, who, with our help will get his comeupance.

 

Take a deep breath, say all the things you would like to say to him in your head, then have a good nights' sleep and visit us again to carry on our help as often as you like :)

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I recieved the CCJ on the 12th June 2010 and I have not paid anything because they are asking for the full ammount.

 

May 2010 - JUDGEMENT FOR CLAIMAINT (IN DEFAULT) recieved

 

To the defendant,

You have not replied to the claim form. It is therefore ordered that you must pay the claimaint £00000000 for debt (and interestlink3.gif to date of judgement) and £000000 for costs. You must pay the claimant total of £0000000 forthwith.

 

Why have they not sent a warrant of execution yet if I have not paid?

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