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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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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 to £30 if paid within 14 days of issue).  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 to £60 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 4) 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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Im another Swiftly sinking person.

 

In 2002 following the death of my husband and the realisation that I needed to find 20k, I took out a loan.

 

I received no statements until 2 years ago.

 

You can gusess the rest. I paid over 20k, still owe 24k. So I asked for a redemtion figure, that was 48k and was then told that at the end of my 240 month term I would have another 10 years to pay what I owe. Some 96k for a 20k loan.

 

I also had PPI from Dial 4 a loan, what can I do about that. I did not need it as I was salaried and get sick pay.

 

It seems that they want my house which I now own and will take it when I retire, my son and I would have been better off homeless 10 years ago.

 

I started the process and wrote to them but they gave me a £446.00 refund because they said I was in arrears and I proved it never happened. With regard to everything else I asked they ingored the letter.

 

Is anyone in a legal capacity doing or investigating this company. What can I now do before im retired and in a situation?

 

Ive read lots of posts and Im glad to be not alone, but Im still bloddy scared.

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Im another Swiftly sinking person.

 

In 2002 following the death of my husband and the realisation that I needed to find 20k, I took out a loan.

 

I received no statements until 2 years ago.

 

You can gusess the rest. I paid over 20k, still owe 24k. So I asked for a redemtion figure, that was 48k and was then told that at the end of my 240 month term I would have another 10 years to pay what I owe. Some 96k for a 20k loan.

 

I also had PPI from Dial 4 a loan, what can I do about that. I did not need it as I was salaried and get sick pay.

 

 

It seems that they want my house which I now own and will take it when I retire, my son and I would have been better off homeless 10 years ago.

 

I started the process and wrote to them but they gave me a £446.00 refund because they said I was in arrears and I proved it never happened. With regard to everything else I asked they ingored the letter.

 

Is anyone in a legal capacity doing or investigating this company. What can I now do before im retired and in a situation?

 

Ive read lots of posts and Im glad to be not alone, but Im still bloddy scared.

 

Hi Glen hold on in there Swift are in for big trouble.....read through Swift Loan recharges claim.....long read but worth it. The FSA and the OFT are onto Swift now here is the link

 

http://www.mortgagestrategy.co.uk/distribution/swift-investigated-by-fsa-over-arrears-handling/1023883.article They are expecting a heavy fine.

 

Here is a link also to help with your PPI

 

http://oft.gov.uk/shared_oft/business_leaflets/consumer_credit/unfair-relationships/yates-lorenzelli-nemo.pdf

 

LL

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Thank you. Have read the link with interest. What will happen if they are fined, can these sort of companies go bust, if so what happens to people like me who have a loan, more worrying, what happens if they dont.

Thank you so much for replying to me. It means a lot to have a light at the end of what has been a long tunnel. I started corresponding with Swift 1 year ago and have been stone walled at every turn.

 

gml

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Hi gml,

 

Sorry to hear of your predicament with Swift. The PPI you have is almost certainly reclaimable, as it was more than likely mis-sold. You would need to write to your broker regarding this as they are the ones responsible for that aspect. It won't be an easy ride, especially as there is currently a Judicial Review being brought by the banks in response to FSA regulations regarding the way PPI complaints are investigated. Whilst this is in progress, most companies are using it as an excuse to put PPI complaints on hold although FSA and FOS statements say they should be carrying on investigating these complaints as normal. I too had a Swift loan and (pre Judicial Review) managed to successfully reclaim seceral thousand pounds of mis-sold PPI from my broker - not Dial 4 a Loan - although this involved a prolonged battle and assistance from the FOS. In the first instance I would advise sending Data Subject Acccess Requests to both Swift and your broker to gather all the information you can regarding your loan.

 

Good Luck and keep us posted how you get on.

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Welcome to the form glenis......... this is the best possible place for support and help and pointers in which direction to go..........I have been given some terrific pointers and like you am embarking on the taking firmer action after no responseot letter......

 

Can I ask with the SAR mshould there have been details of the broker in it? because there are none, there are also no details of the solicitor either.

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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  • 4 weeks later...

Hi jacqui o

I have recentlu found out that it is Dial 4 a Loan and have also got an address via the ombudsman so am going down the route, a long one I believe. My concern is that I am getting nowhere paying this, 24k paid 20k borrowed 10 years to go and then they say they will add on 10 years but will not say why. Cannot work out the interest nor can a financial advisor who looked at it, they also want 48k to pay the loan early. I will be a pensioner and am sure they are just waiting to snaffle my home. There are no solicitors details involved on the paperwork.

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Just a thought and I wondered if you could answer my musings. It seems from what I have read that Swift are stashing away money to counter claims they may have against them. If they went bust, by some miracle, theyve probably ripped too many people off for that to happen, but if it did what would happen to the loans such as mine? Would some other cowboy company take them on.

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Just a thought and I wondered if you could answer my musings. It seems from what I have read that Swift are stashing away money to counter claims they may have against them. If they went bust, by some miracle, theyve probably ripped too many people off for that to happen, but if it did what would happen to the loans such as mine? Would some other cowboy company take them on.

 

Hi GML,

 

'Would some other cowboy company take them on'.

 

YES!!!!!

PROBABLY.....:-(

 

Apollo18

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  • 11 months later...

Hi lester lass, long time no speak. Just to let you know that I am waiting for a court date re PPI. Gone against both Swift and Dial 4 a loan. Any monies gained will go to a Big Ass banana to sort out the other issues. Thats right Swift, I will see you in court. Will let you know how it goes. Sorry to post at the end of this last reply, not too good at the site im afraid.

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Hi Glen

 

Court paperwork was issued against Swift by myself with regards PPI...

 

Have you been asked to supply a court bundle? did you attach any draft directions at all?

 

I am awaiting their response ot my court action, but guessed it owudl go to court, they wotn settle before hand.

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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Hi

good friend working in legal profession dealing with this, everything gone in and case fast tracked, waiting for date.

 

Looking to remove his teeth while foot up his ass.:mad2: Been a long time coming.

 

How do I change my username. Im so out there and I know they read these logs. Hopeless finding my way round the website. Dont want to spoil their surprise.

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Sorry Glen I am really confused here, everything gone in?????? Sorry to be thick , but initially all you submit is the application form... N1 depending on the amount the appropriate fee, , reading my notice of service am a little confused, there were 2 steps from issue where judgment could have been asked for. the info on that is really quite good, I am not a legal professional and can understand it and follow it with out much trouble, which is why i am kind of confused......lol....

 

Am not sure what you mean about "How do I change my username. Im so out there and I know they read these logs. Hopeless finding my way round the owebsite. Dnt want to spoil their surprise.[/color] What do you mean by so out there??????? totally confused? you have onyl 14 posts?????? as for the surprise, if you are just waiting a court date then it is no longer a surprise??? they have been served with he court paperwork!!!

 

So long as you do not put any personal details on the posting you make how are they going to know if they are reading the boards who is who? there are people with hundreds and thousands of posts who have not been ID by any of the companies reading these boards/forums ...

 

This is one of the great things about sites liek this, it gives people the information and ability to take on companies who have adn are behaving badly, this is doen by sharing information and helping each other and others, no one has ot give out any personal information, but generals and things a lot can be found online by doign searches............

 

if the info is really sensitive or that, there is always the private message function, but would suggests the usual precautions when online.......

 

hope you get your court date soon...

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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