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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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Lloyds Bank Debt


Chelle893
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Hi everyone, I've been a member of this site for a while and have read quite a few interesting discussions with regards to Lloyds Bank but have not posted before.

 

I feel like I am at my wits end with Lloyds at the moment!!

 

My father had a credit card with them about 4 years ago which had about £3000 of debt on there when unfortunately 2 years ago he was told that due to increasing blindness he could no longer work as his insurance (self employed mecahnical engineer) would not cover him.

 

He contacted Lloyds bank, told them of the situation and it was agreed that he would make instalments of £20.00 a month and they would freeze the interest.

 

About a year ago they contacted him and increased the instalments to £30.00 a month which he has been struggling to pay but has always paid on time.

 

Recently he has started to receive default notices, I've rang the telephone number on these letters to be told just to ignore them as it is standard procedure,

I requested for this to be confirmed in writing but they refused.

 

I then wrote to the collections centre requesting his CCA (letter used from this site thank you) and requesting confirmation that all phone calls will cease

and that he is making payments as agreed. I also requested confirmation that the default notices will cease.

All we have received in return is the box standard reply to CCA and a copy of the T&C's (not his original one).

 

Now to top it off he has just received a letter from the SCM Solicitors requesting immediate payment of the full debt (who happen to be located at the collections department for Lloyds Bank).

 

As you can understand I am getting very frustrated as well as my father who I have to read these letters to, he's started to get very stressed

and is even considering getting a high interest loan just to get them off his back at which I have had to try and put my foot down

and say no as I know he will end up in a worse situation. I

 

t has now got to the stage where he has gone on to anti depressants as he just can't take it anymore.

Any help you can give me would be much appreciated.

 

Many thanks

Chelle

Edited by dx100uk
clarity
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Hi 42man,

 

I've had a look at the letter but not sure if I can send it as Lloyds will not enter in to any further correspondence with regards to the CCA and the debt itself is not is dispute. We have agreed with the collections department to make monthly instalments until the debt is cleared and yet we are receiving DN's and now a solicitors letter. I have the collections department telling me one thing by phone and another thing by letter. No payments have been missed since this agreement was reached and I'm at my wits end even trying to get them to admit in writing that payments are being made or that there is an agreement in place. The O/S balance is decreasing and the interest has been frozen plus I have proof that payments have been made but obviously I don't want this getting to the stage where my dad ends up in court.

 

I have attached copies of the most recent correspondence (personal details removed) for you to have a look at if it helps.

 

Many thanks

Lloyds to 16.11.10.pdf

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ok

 

you need to step back from this and look at it properly.

 

the letters from the debt debt/solicitors are , for want of a better word - fake.

 

please ignore them,

 

this is a std practice on longterm lowly paid debts, they try and squeeze you.

 

you keep saying DN's, i assume you mean a defauilt sum notice

not a default notice, they can only send ONE of those.

 

now, these DSN's are hitting your balance.

 

all of the unlawful charges like over limit/late payment etc etc can be reclaimed

 

as can mis-sold PPI.

 

pers i'd ignore the threat-o-grams

 

there is no way anyone will go near court with this

 

the judge would laugh them out the door and probably assign a LOWER repayment.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx,

 

It actually states Default Notice on the letters not Default Sum Notice, from the paperwork I have here he received one on 27th September and one on 26th October. They haven't applied any further costs that I am aware of as the balance has been decreasing by the £30.00 paid each month.

 

We'll ignore the letters for now and fingers crossed they don't try and push their luck by passing it to the courts.

 

Thanks for your help

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ok well thats not correct

they can only send ONE dn unless you break / change the agreement to pay.

 

you might want to pull them up on this

 

it will give a clear indication that you are addressing the debts in the best light possible and show it is being managed.

 

shame you've got no unlawful charges or PPI or reclaim...

sure there was none levied before the reduced payments stated?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx,

 

The agreement hasn't been changed or broken by him unless they have done something at their end which would put them at fault. He has been paying loyally for 2 years and is still paying on time every month.

 

I don't think he had PPI as I advised him not to get it, I knew what a waste of money it was. As for any charges I will have to go through the rest of his statements to check as I only have the recent ones.

 

In the meantime should I write a letter to the solicitors advising them that payments are being made monthly to clear the debt as agreed and requesting information as to why 2 DN's have been received when he has not broken or changed the agreement?

 

Many thanks

 

Chelle

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who has sent these dn's?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Lloyds sent both of the DN's.

 

Have spoken to my dad briefly and it looks like he did pay for PPI which was cancelled when he was unable to keep up with the minimum monthly payments and agreed to pay £20 per month. He's not sure of the charges but believes there were some, we have to dig out his statements to be sure though.

 

Chelle

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ok well theres a GOOD source of income

if the PPI was charged monthly

then you can get that back & int & THEIR RATE

on EACH MONTHS payment for EVERY PPI payment he made

from the date it was made to today date

 

if LLoyds have sent you TWO DN's then something is funny here

let us see them please

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

dx

 

i bet that will clear the debt esp as its 2003

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sri didnt see those

 

can you confirm what you paid between the dates of the two dn's?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

then you didn't satisfy the first dn

so they have no right to issue a second.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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pers i'd move to reclaim those PPI payments now.

 

do you have all the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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My dad is in the process of pulling up everything that he has on it at the moment so I can go through them. If he can't find them all I can request copies from Lloyds can't I?

 

Should I in the meantime send a letter to the solicitors stating that payments are being made and that an agreement was reached with Lloyds 2 years ago and we have not broken that agreement?

 

Thanks

Chelle

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no i'd not bother with them at all

 

if you have not got the statements

 

you can SAR lloyds for £10

then they must sent everything they hold in their data systems on your dad.

 

see how you do.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx,

 

I've attached a copy of the letter I'm planning to send, can you please let me know if there is anything else I need to mention.

 

Dad has also received another statement this morning from Lloyds showing his payment and no other charges or interest have been added.

 

Many thanks

Lloyds letter 25.11.10.pdf

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pers i'd just send the std sar fom the library tab top left

 

dx

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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