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    • 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?  
    • 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. 
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Help withl lowell


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Hi hoping some one can help me on this . I been recieving letters of this company have not respsonded at all , Now today letter saying its gone to Red recovery etc , now i have looked to on Equifax and this is for a creaction card which i opened in 1998 am sure i not paid them a penny in about 6 yrs , its says date last delinquent 06 / 05 then then updated in 2007 ? when i not paid a penny ? now i am very slow and naive at these things so if any one can help .. these people did used to ring me few years ago and had to change my landline as i got a sick child and the phone was ringing 5 times a day , .. so if any one could show me how to start to sort this with them ,, i am a carer to a sick child so money is very tight many thanks .. :razz:

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Personally, I would ignore them. This is close to being Statute Barred so they are taking a final punt at trying to get something back. If it is a credit card from 1998, there is probably no existing credit agreement or paperwork for them to take legal action.

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Hi

 

Lowells/Red/Hampton legal are the same. Same staff sending out the letters.

 

Just send them a CCA request, which will mean they will have to go back to the original creditor to obtain it. If they can't get hold of it, they might just throw in the towell.

We could do with some help from you.

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If no payment to or acknowledgement of this debt has been made in a period of 6 years it's statuet barred, it still exists and they can still chase you for it but cannot force you to pay it.

I'd wait a bit and see what they throw at you.

 

If your certain it's statute barred, you can send them a letter telling them this and that should be the end of the matter.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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If no payment to or acknowledgement of this debt has been made in a period of 6 years it's statuet barred, it still exists and they can still chase you for it but cannot force you to pay it.

I'd wait a bit and see what they throw at you.

 

If your certain it's statute barred, you can send them a letter telling them this and that should be the end of the matter.

 

Does that mean they can chase you for it until you inform them that it is statute barred and you won't be paying and once you have informed them of that they can't chase you any longer?

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Does that mean they can chase you for it until you inform them that it is statute barred and you won't be paying and once you have informed them of that they can't chase you any longer?

 

Yes.

 

The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I would guess that Lowell are getting desperate and are trying to rake in every penny they can

A while back they chased me via BCW but after three months with insufficient paper work BCW sent my file back and now (Even though the account is in dispute) they have set Meritforce and Mackhall on to me :-(

Sit tight and follow the great advice/help you'll get

Good luck

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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ok guys.. i going to listen to you and sit tight and wait and see what they do .... then come back and ask for more help when or if they try again ? .. the card is dated to 1998 .. so as its an old adams card am hoping no paperwork exists ,,, what do you think guys ?............. many thanks as well guy ,, cat

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  • 2 weeks later...

Hi back again , got a nice letter from red debt collection today , saying they now have a copy of my credit file ? they are now passing my account to Hamiltons legal etc and may take more serious action if i dont pay , i can pay all of it with 30 % , of or £60 a month , now i dont have money to do either , i no this creation card was in 1998 , plus defaulted may 2005 .. i am a full time carer to a sick child plus not in great health myself i dont need these bullys on my back , so please please please what do i do now , i have not responded to any letters they have sent or called them nor am sure paid them anything fro most prob 6 yrs or very near that .. so any help guys on how to deal with this , many thanks again , cat xx

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You say the card was taken out in 1998, and you defaulted or stopped paying in May 2005? If this is the case then it won't be SB until May next year.

 

Or have I misunderstood you? For it to be SB there has to be a clear period of six years, (5 in Scotland) where there has been no activity or acknowledgement on the account, so if you haven't paid them anything since 2004 say, then this will be SB.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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well all i am going on is dates on my credit file that i just looked at ...? so agreement took out 1998 .. this i agree with , but no way did i use i card till 2005 ? but that when the default was put on credit file ?ok coledog i will ignore but will be back to bother you when the next letter comes lol any one else with thoughts ? oh forgot i have 10 days only to accept there kind offer . lol many thanks again ........... cat x

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If they are offering reductions it is more than likely unenforceable.......

 

imo

not necessarily. it seems standard practice for a dca to offer a 'discount' after a certain amount of 'unsuccessful' 'collection activity', regardless of whether there is an enforceable or not.

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When do you remember using the card AND paying something toward it?

It sounds like it is SB or very close to it, if it was Moorcr@p chasing you, then it will be definite SB. The offer of a reduced settlement IS indicative of a lack of paperwork and enforceability, otherwise they would have taken legal action a very long time ago to claim the full amount plus fees and interest, the fact that a DCA or OC offers a discount can be seen as their failure to have the necessary enforceable documents.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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well , i will just wait till see what they do next . i think your most prob right that its sb or very near .Am, sure before the account was defaulted i had not paid in many months ... plus as its an old creation card . know i signed this is adams over 12 yrs ago am wondering would thay have any paper work as they have gone bust ?.. Thanlks cat x

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Adams would just have passed on your application details to whoever administered the card on their behalf. Adams would not have had the paperwork to store.

 

Just keep ignoring. Wait to SB'd and then tell them to get lost.

We could do with some help from you.

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....The offer of a reduced settlement IS indicative of a lack of paperwork and enforceability, otherwise they would have taken legal action a very long time ago to claim the full amount plus fees and interest, yes, it could be seen as such in this case.. the fact that a DCA or OC offers a discount can be seen as their failure to have the necessary enforceable documents. ...but, in general, not necessarily.

 

imo :-)

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ps

just to add. in general, most dcas follow a set automated collection activity time line. starts off with the usual pay us in full or else. if no result it then goes to 'telephone activity'. if no result, the usual threatening 'template' letters follow as well as telephoning, and maybe a doorstepper, and so on. after some time, if no result, it eventually results in a template 'discount' offer letter near the 'end' of their 'activity'. if no result, then it may be legal action (if economically viable together with an enforceable), or back to o/c (if collecting), or ?

that's just the way it is. and they prob follow this auto activity regardless of whether or not it is enforceable, or whether or not it is in 'dispute'. if it is statute barred, then as maroondevo52 quotes, they should stop. yes, if they know for sure that it is not enforceable, and/or it is statute barred, then they prob won't go to court.

imo of course :-)

Edited by Ford
typo
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ok then i will just sit and wait for more letters then ? then come back when next letter arrives ... ...do you think they will have the signed agreement from me still after all this time ? many thanks again ... cat x

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  • 2 weeks later...

Ok here we go again !!! letter from lowells today , sending me Statement of my account ? what account never paid them a penny ! saying opening balance on of £428.32 1/10.2008 ? total payments received £0.00 fees and charges £ 0.00 , i looked on my credit file my account with creation was defaulted in 2005 , not paid a penny over 5 yrs so dont no what there going on about at all , also they have sent me a nice office of fair trading letter tell me who to contact about my debts etc . , this is a creation account 1st opened in 1998 , now do i carry on just blanking them or do i now send them a cca ? as i no i not paid this account in over 5 yrs and i no its very close to being S .B

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Does that mean they can chase you for it until you inform them that it is statute barred and you won't be paying and once you have informed them of that they can't chase you any longer?

 

 

In theory you could be chased until the end of time itself but Statute Barred is a 100% defence against EVERYTHING ELSE.

 

You are NOT required to pay --although if you wanted to there is nothing to stop you from doing so.

 

I'd just tell them to Foxtrot Oscar, and ask them to confirm that the account is NOW CLOSED.

 

Cheers

jimbo

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