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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.   
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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1st Credit demands more money then i can afford


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Hi

 

Send the DCA the following harassment letter and also make a very strong complaint to OFT and also Trading Standards via consumer Direct as these clowns are already under an OFT warning. Investigate Call Barring to stop them phoning or even change numbers. I will find a SAR letterfor you but this is the telephone one:

 

Harassment by telephone

 

FORMAL COMPLAINT UNDER THE CONSUMER CREDIT ACT 2006 COMPLAINTS PROCEDURE

 

Reference NUMBER:

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls.

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

 

Be advised that any further telephone calls from your company will be recorded.

 

Yours faithfully,

 

Please support CAG and they will support you.

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SAR letter with £10 postal order, recorded delivery and don't sign

 

[DATE]

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal datalink3.giflink3.gif which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not limited merely to 6 yearslink3.giflink3.gif of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

[signature]

 

[name]

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To be honest, a SAR to a debt collector will serve little purpose as they tend to have very little by way of information, send the SAR to the Original Creditor and a simple "prove it" letter to 1st credit.

 

If they cannot prove that they are the current owners of the debt, or are acting for the current owners, then what exactly are they doing making demands?

 

This doesn't require any deep legal phrasing, it is simpy a case of.

 

"I don't believe that I owe you anything, can you please prove that I do. "

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thankyou all for taking the time to reply and helping me with the templates, i will get onto it tommorrow, 1st credit sent me their standing order details, but a prove it letter will be on it's way, so we shall see. and Coledog, your right i should make a complaint to the OFT, because the more people complain, the greater chance of these muppets having their license revoked. I've done nothing but reserach this company and i have heard personal accounts of what they have put people through, it's disgusting. I will NOT let these people bully me.

 

I'll keep you posted and thanks again for your replies, if it wasn't for all your reassurance and advice, i would have had many sleepless nights.

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1st credit is the company MOST in the OFT radar - in danger of losing their licence if they continue to be naughty. Google them to find out more about this. I remember them being looked at in BBC Watchdog by Nicky Campbell a couple of years ago and a Government Minister saying they were the one most in the spotlight.

 

Bottom line? They won't DARE go too far - so YOU are in control - pay what you can afford - NO MORE. If you get unexpected vital bills from elsewhere then just PAY LESS - but tell them why. I would try to pay by BACS or online banking so you can alter the amount and avoid getting into other unauthorised overdraft probelms if you can't make the SO payment any month.

 

I used to pay most creditors £75 per month each - but I have cut it down if any other bills came in - now I only pay them £5 per month and have never increased it again - They all moan from time to time but continue to take the £5 and never take it any further, even no empty threats any nmore.

 

I have also never supplied any I&E to them - just tell them that is what I worked out with CCCS who did get my I&E. They have to accept that - no option. I am in control (at last!)

 

Good luck!

 

BD

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OMG, i answerd the phone to ist credit, i didn't know it was them and i asked them to put everything in writing, but they were very persistant and i am ashamed to say they drew me into an argument, the women on the phone was so rude, she said if i don't provide them with an I and E within 7 days then she will cancel the agreement and take further action, i so regret being wound up by them and being drawn into the argument. I thraetened to report them to OFT and she said that she has recordings of me being rude to her agents (i wasn't rude, i was standing up for myself). I told her that they were bullying me and harrassing me and it's causeng me to feel ill, i told her i will not pay more than £50 and i am not willing to provide my employees details or my private finances. I know what your all thinking 'you shouldn't have spoken to them on the phone', well i WILL NOT be doing that again as i am seriously considering changing my number. She just wound me up. I haven't had access to a computer, so i didn't get the template of the harrassement letter until now (thanks for sending it), i will be writing that out and sending it of to them. I told her i will continue paying £50, whether they want to accept it or not, i'm not refusing to pay, she also refused to send me a doa, as she reckons Connault sent me one in 2006, so again another letter for that will go out. Stress, stress, stress and my stupidity by talking to those clowns caused it. Why wont they just let me get on with paying them????

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weston

 

I would pay the £50 for a couple of months whilst awaiting rersults of SAR. If you don't get the stuff from LTSB (and a copy of the proper NOA on LTSB paper) STOP PAYING. They'll need all the documentation for any court case - so IF they find it, and threaten court again, then you just START PAYING again. I AM CONVINCED they would NEVER take anyone to court who was regularly paying what they could prove was affordable.

 

Good luck

 

BD

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Weston, I don't have anything to add to this discussion other than simply to echo wha t others have said. Treat these bottom feeders as the **** they are (how's that for a mixed metaphor?!). If you do speak to them, make it plain to them that you know your rights. I used simply to say "I'm sorry but you're not entitled to that information, I know my rights, I WILL be paying you £xx per month by BACS". They can say what they want, demand as much as they like, and threaten all they want but just stay calm - if you really want to wind them up when they threaten you, there's one sure fire way of doing it...

 

...laugh.

 

Try it, you'll feel so much better :-)

 

(run a search on the forum for the "cheekiness" thread -that should provide some relief)

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i feel so much better now, i have now taken on all your advice (thanks again) and acted on it, by the way Stunned Monkey, loved the cheekiness thread, i have to admit, i was trying to wind the guy up on the phone yesterday, to a point where he had to get an agent of a 'higher level' onto the phone lol. Now i am going to sit, wait and chill. They will have recieved my 3 page long harrassment letter tommorrow, they now know where i stand and that i will not budge, and i may recieve proof of debt from them, i may not, but i am really not going to let them get to me anymore. Thanks again peeps

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  • 3 weeks later...

Oh my god, why don't they just leave me alone!!!! I had a letter from 1st credit with regards to my complaint, and no surprise there, they have basically disagreed with everything i have said. They said that i have 14 days to give them my financial statement, wage slips and employers details and if they don't recieve it then they will cancel my repayment of £50 and seek full recovery. What should i do?

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Take a deep breath, then re-read this thread from the start. How much of the advice hav eyou followed as yet? ;-)

 

They are NOT entitled to any personal information, only a judge can demand that, and no judge will listen to a case chasing a debt you're already servicing at a rate that's perfectyl reasonable.

 

In a nutshell, I'd suggest doing nothing - or if you feel you have to say something, write to them and tell them that you know your rights and you'll be paying them £50 whether they "agree" to it or not. As I understand it, they would actually have to refund you your payments in order to take you to court because in keeping them, they're accepting your terms (don't take this as gospel though!).

 

If you haven't already, CANCEL ANY DIRECT DEBITS. Make your repayments by standing order, or even better proactively via online banking.

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i know, sorry i panicked, i took the advice on all the posts and your right, i shall do nothing. I've already cancelled direct debits so i payed my last payment through standing order. I shall keep making these payments and i shall send them a letter informing them that i will continue paying them regardless of whether they agree or disagree. Thank you and sorry again for panicking, they just stress me out.

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Weston

 

Report them NOW. Remember what I said earlier about them being most in the spotlight - and in danger of losing their licence! They will NOT take you to court. In fact, in retrospect, £50 is FAR TOO GENEROUS when they haven't sent you the info to prove the debt. As I said earlier, if you don't get this then STOP PAYING ANYTHING after a couple of months. Send an ACCOUNT IN DISPUTE letter and just sit back and wait - don't talk to them on the phone. If you refuse to answer their security questions they CAN'T continue to talk to you - as they don't know who you are and would be breaking the DPA.

 

ABOVE ALL - DON'T PANIC

 

BD

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Just remember they do not know how to turn the 'off' switch once their threatomatic machine is started.

 

It should be ILLEGAL for them to continue to harrass when payments are being made. NOBODY'S circumstances change every 3 months so they are being extremely unreasonable expecting continual increases.

 

Debt buying and selling should be strictly limited - but sadly the government seems to welcome this murky industry with open arms.

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