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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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2nd Letter sent, no reply after 3rd week, what do I do now?


Lousalo
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Hi

I sent my 2nd letter to Abbey on 15th August. I got a reply from them saying that if they don't reply within my 2 week timescale, then to give them 4 weeks to investigate.

It's now in the 3rd week, and I'm not sure what I need to do.

Since sending these letters, we have changed accounts and money is no longer going into our Abbey account. However, now no money is going in, they have now cancelled our overdraft and have sent us 2 letters, one explaining why they cancelled it (gone over the overdraft limit, not our fault, their charges of £765 for August took us over the agreed overdraft!!!), and the 2nd letter was saying that we need to contact them to discuss repayments.

I realise I have let it go over the 2 weeks I gave them in my 2nd letter, but am now sure what I need to do next.

I have looked at other threads and to be honest, I'm now getting confused.

Could someone pls advise? Many many thanks

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They treated your letter as a standard complaint hence the 4 weeks to investigate. You should have stuck to the 14 day timetable and proceeded to sue them.

 

All is not lost, just send them a letter telling them it's not a complaint but a demand before court action and give them 14 days to reply.

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Lou it is in the bank templates letter, there is a link in my signature, I would read a few threads and the FAQ's and familiarise yourself witht he process thoroughly as you need to know what you are doing and what you are letting yourself in for as theywill mess with you no end :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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good advice lula as my heads set to explode as well as my printer with overuse but never go by there timetable lesson one stick to your timescale then you stay in control

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YOu may also want to write to the bank telling them you disupte the debt owing due to the charges.

 

if you inform them the account is in dispute they should not take any enforcement action or enter a default on your credit file until the dispute is resolved. This is set out in para 13,6 of the banking code, a copy may be useful for you to see what they are supposed to do do a search on here or inline dont know the link of the top of my head if you cant find it post on here and ill try to find the link for you.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Ok, just checking. Do I need to fill in the N1 form now? I know I keep getting told to read the threads, but the more I read, the more I'm getting confused. I just don't want to send out the wrong letter and have it all backfire on me.

 

If I do need to do the N1 form, do I then take it to my local court house and get them to stamp it? I am COMPLETELY new to this and completely confused. Sorry to be a pain in the ....!

 

Please help.

Lisa

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Lousalo

 

For my part the problem is i dont undeerstand exactly where you are with the letters you have sent and your claim.

 

Is this the only thread you have posted in?

 

If it is then set out which letters you have sent and some details of your claim.

 

If not then copy and paste a link to the thread where you have posted the information people need to help you.

 

All of the template letters have names, so it would normally be a SAR, followed by a prelim then LBA and then court action.

 

IF you want to understand what you should do then click on the link at the bottom of LULAs post.

 

post back here with the info and im sure somoene can help with your specific problem.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi Glenn

 

Here's a copy of my first letter...

 

Abbey

Prescot Street

London

E1 8RP

 

1st August 2006

 

Request for repayment of charges.

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX

 

My request:

I am writing to ask you to refund to me the charges which you have levied from my account over the last 7 months.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals,

exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations.

If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to

which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect

your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by

the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to

the contrary.

 

Your responsibilities:

Considering I have been an account holder at your bank for over 20 years, I am frankly shocked that you have operated my

account in this way, as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have

deceived me into agreeing to pay them.

 

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

I calculate that you have taken a total of £1590.00 (deducted £50 refund) in unpaid DD’s, and going over OD limit,

which you have charged me in overdraft interest for the sum which you have taken, dating back to December 2005. I was

given a measly £50 refund earlier this month, and notified the bank of having difficulties 2 days prior to the refund.

This refund clearly wasn’t enough!

I enclose a schedule of all the charges which I am claiming with this letter. Due to these charges being made, it has made it

even more difficult to keep up with the household bills, thus causing us to fall behind with the payments and letters

being received from companies chasing for their money.

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the

assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by

which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action

giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company

such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully,

 

Lisa Salo

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Here's a copy of my 2nd letter....

 

 

15th August 2006

 

Abbey

Prescot Street

London

E1 8RP

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX

 

I am very disappointed that you have failed to respond to my letter of the 1st August 2006.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I calculate that you have taken £1590 plus £77.26 which you have charged me in overdraft interest for the sum which you have taken. Plus £765 of charges you wish to take out of our account on 26th August 2006. Total £2432.26.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 1st August 2006.

 

Additionally I feel that you may have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

 

 

 

 

 

-2-

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

Yours faithfully,

 

 

 

Mrs L J Salo

 

 

 

That's as far as I've got. What should I do next? I received a letter yesterday from Abbey explaining that it's taking longer than they had hoped!!

 

Many thanks for your help.

Lisa

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Lousalo,

 

You've sent your preliminary approach letter and your Letter Before Action. In each you gave a clear indication of your timetable and you have had neither a settlement nor an offer. There's no need for you to send any further letters. You should proceed immediately to MCOL stage (or your local court if you're not using MCOL). Include all your charges and the s.69 8% interest.

 

No need for any further delay, as far as I can see.

Halifax (current a/c)- £3705.00

04/09/06 - S.A.R - (Subject Access Request) sent - lost by P.O.

20/09/06 - Prelim letter sent (special delivery)

30/09/06 - Reply to Prelim; Received statements

04/10/06 - LBA sent (special delivery)

14/10/06 - Offer received - £962 (err..no)

17/10/06 - MCOL issued: £3705 + £777.11 interest

19/10/06 - Moneyclaim acknowledged w/intent to defend

28/10/06 - SETTLED IN FULL!!

To be continued: Capital One(charges); Citi/Associates(charges); GMAC(ERC); GEMoney(charges); TMG(charges)

 

 

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I agree proceed with your claim either via MCOL or N1 at court.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Me again!

 

I've just phoned Abbey to tell them that our account is in dispute and to stop them sending my details to default and they have just told me that they have put £1125 into our account!

Apparently they sent out a letter yesterday (haven't got it yet), telling us that they have paid this £1125 into our account as a "good will gesture" and that they have declined the rest (this being £1307.26!!!).

Obviously, I'm not happy with this and told them that they owe me the rest and what they have done is illegal, then I got told that it's in the terms and conditions (I don't remember signing anything because we've had this account for over 20 yrs!!).

 

Anyway, do I still go to court to claim for the rest? I'm guessing I do, but wanted to check it out with someone in the know before I go ahead.

 

Many thanks again for all your help.

Lisa

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there is a rejection letter template on here, that accept it as only a part payment.

 

 

you should really delete all your personal information off that letter by using xxxxxxx,

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Hi Pugsley

 

Many thanks for the link, I will go ahead and send it to them.

 

Also, many thanks for pointing out the fact that I hadn't removed my account no. Ooops!! I've just edited it.

 

Thanks again.

 

Lisa

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your welcome xx

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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