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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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First PLus/Eversheds - repo


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Hi,

 

i wonder i someone can help me?

 

i am currently fighting FP in court as they are trying to repossess my house. i have filed a basic defence in court under the fraud act, at which the judge nearly choked on his coffee! He has asked for a more partiularised defence to be sent to him explaining all details.

 

i have also used the unfair contract part of the CCA act, section 140a as part of the defence. i have researched this and believe i am legally entitled to, but their legal representive said the loan was not covered by the CCA 1974 act and i couldnt use it.

 

The loan is for £ 80k and was taken out in Aug 2006.

I understand that this section was changed in oct 2007 and automatically included all existing unregulated and regulated agreements . This section was recently used in the Blemain  and peter bentley case which was widely reported. My case is not so different. i understand that the rest of the loan is not covered by the CCA1974 but would just like conformation that i am right in using the unfair contract part.

 

The EDIT part i have covered in their paperwork at which even their rep conceded i have a case!

 

Also their default notices are not correct but i am not sure again if this would be covered as the loan is unregulated. Any advice on this i would be grateful.

 

FP have asked for a delay in proceeding for a month as they need to check their paperwork and respond back to me.

I am refusing to pay any monies to them until a judge in a court of law tells me i have a valid contract with them, which on producing thei paperwork i do not think he will be able to make that call.

 

This will be a fight to the death as i will not be backing down.

 

Any one else who has a loan with them might be interested in subject accessing FP and checking whether FP in their internal paperwork have imputed their salaries correctly ( ie not inflated ) and what they have or have not put on their income and expenditure sheet. Im guessing it might not be what they think!!

 

Any advice and imput would be gratefully received.

 

thx willow x

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Hi Fretful,

 

do you know if the unfair contacts legislation can be used for First Plus. i have been researching and have found that it seems that if a company is FSA regulated then the legislation can not be used. FP is regulated by them but only for general insurance purposes. All the main banks etc are fully covered by the FSA. Will this make a difference?

If anyone else has an opinion i would be grateful as well.

thx willow x

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  • 2 weeks later...
  • 2 weeks later...

Hi,

 

update on this is that First PLus seem to have pulled out of the repossession claim after sight of our defence. They and their solicitors have also not responded to the cpr requests that we sent seperately. Eversheds in their letter to us have asked for a general adjournment with the liberty to restore if they feel like it. Eversheds have also said that our account has been passed onto another solicitor, so it looks like they are not dealing with us anymore.

 

does anyone know why or what we need to do now?

 

First Plus clearly do not want their paperwork in court. they have had nearly 3 months on some of the things in the defence to get their paperwork in order.

 

why go for a general adjournment and then swap solicitors? new solicitors can not change the evidence or their paperwork, or our defence and our paperwork.

 

do i try to get the case struck out? can i do this on a repossession and how would i go about it?

 

how do i get them to comply with the CPR request now? We have asked for the underwriters sheet in both the defence and the cpr letter but it has not been forthcoming.

 

i want to claim back the commission payment that i know will have been paid to the broker but i have no proof yet so it makes it difficult!!

 

part of the defence was under the unfair contract 140 a and b . i am tempted to issue a claim under this for all monies paid on this loan plus 8% interest to force the issue. i do not want this hanging over me.

its not about claiming money back , its about them removing the charge from my house and rendering the contract between us void. would this make them more likely to want to settle out of court?

 

they wont action legal requests and respond to court protocol i cant see what other choice i will have.

 

i just want this nightmare company out of my life!!

 

has anyone any other ideas please??

 

thx willow x

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hi dadofholly,

 

No, they have not falsified any details except on their original paperwork. That is why i suspect they do not want to go into court, as i have that paperwork from our SAR. They just wont respond to our CPR request for all the rest of the information they should have on us which wasnt sent in the SAR ie telephone calls, underwriters sheet etc.

We have sent a cpr letter while the court action was going on, and refered to them in the defence. As they have adjourned the case generally i guess they think they will not provide them.

i have been requesting the telephone calls since October.

These phone calls will back up everything in our defence statement, another reason why they seem unwilling to part with them. They will prove mis representation and unfair contract and mis- selling. I do have a letter from First Plus from last year stating they do have them and they have listened to them. I have sent about 6 letters since requesting transcripts but FP have ignored all of them plus the cpr requests.

 

sorry if i am not making myself clear.

 

Thx willow X

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No that clears it up nicley - was just trying to work out if they had stepped over the criminal line or not - sounds like it "may" still be touch and go on that - but depends on what you have on them.

 

Have you reported their failure to provide the details you requested to the Information Commissioner? They are in breach of the Data Protection Act at least. - would also report to the OFT.

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no i havnt as yet. they have changed solicitors, and i have received notification that they have transferred the case into their name at the court.

So far the case has been suspended generally on First PLus wishes. They do not seem to want their paperwork in court, to the point of withdrawing from the court case and ignoring cpr requests within that court case. I do not see why they have changed solicitors and we will not change our paperwork or our requests. we also have their paperwork, so they can not issue new documents more favourable to them without us noticing!!

 

does any one have any idea what they are hoping for with this course of action and what i should do next?

 

thx willow x

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  • 2 years later...

hi ,

 

an update on the situation as it stands, would appreciate any advice that anyone can give.

 

FP pulled out of the repossession court case and we have not paid and they have not contacted us for approx 3 years.

 

We sent them a letter before action last year which apart from generic responses they ignored

 

we resent one this year which they ignored again.

 

In desperation we filed a claim for our total payments to be returned

and an amount which we had rebuilt upon credit cards under the mis rep act 1967 and cca unfair contracts section 140 a etc.

 

We have evidence from their internal paperwork that they have increased our monthly income by £1000 per month

by using gross income as our disposable income , they have confirmed this.

 

we were unaware this is what they had done as they kept hold of all our paperwork (bank statements) etc

until the loan was signed sealed and delivered.

 

Again we can prove this via their paperwork.

 

We knew something was wrong and spent a lot of time on the phone at the time

and I advised them I was not happy with the loan and remonstrated with them,

however I was made to feel that I was in the wrong and without our paperwork I could prove nothing.

 

We were also told various things that we now realise amount to mis -representation

which induced us into taking out the contract.

 

We have put all these things in a detailed POC which we have now received a defence to .

 

Our problem is that they have denied everything and said that we were talking to the broker loans.co.uk not them

and that they only had one conversation with us at the end of the loan deal.

 

They take no responsibility for anything apart from issuing the loan amount.

 

However surely they have duty of care towards us.

 

They must be responsible for a least some checks.

 

They were happy to refinance for example a car loan for FORD onto 20 years which only had approx 18 months to run.

 

We did advise them at the time of this but they are now saying that we only ever spoke to the broker.

 

They have now advised us that they intend to resurrect the repossession claim from Feb 2011 as part of their defence.

 

this is a very short version and many other things have gone on

but I wondered if any one can advise me of what I need to do next of has any other advice or help.

 

If any one needs more info than I will do my best to accommodate.

 

thanking in advance .

 

willow x

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I will try and find some help for you. Please allow for the fact that it is a nice sunny weekend and all the advisors are volunteers :)

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I will try and find some help for you. Please allow for the fact that it is a nice sunny weekend and all the advisors are volunteers :)

 

 

no probs thx

 

would it be best to put this in legal as more people might see it?

 

willow x

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no probs thx

 

would it be best to put this in legal as more people might see it?

 

willow x

 

TBH, I think not. It is the people who advise on repossessions that you really need to encourage to your thread, so this is probably the best place :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Can you post up your POC and their defence please.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

Hi,

 

I am in the position of having cast iron proof that our second charge lender has committed the criminal charge of false accounting on our loan application. They have increased both our salaries by entering the gross salary amounts as net amounts of both of us, and then taken hardly any outgoings of the inflated amounts apart from their loan payment, a buffer payment, and a 1st mortgage payment.

 

This has served to increase our monthly income by over £1000 making the loan look affordable on paper, and resulted in them paying a secret commission to the broker that brokered the deal. There is no info on secret commission at all in their T&Cs. This information has been discovered via a SAR request and the information comes from their internal paperwork.

 

We were unhappy with the lender at the time and we advised them that we thought the loan was unaffordable and that something was not right . We originally signed for a 50k loan in 2006 and then were forced to take a higher loan of 70k as they said it was uncancellable due to the fact it was secured on our property and we had signed a legal charge.

 

We can also show that final loan documents were sent to us before either the broker or lender had any personal or financial documentation from us of any kind, showing that affordability was never able to be considered in the time frame of the loan issuance.

 

The loan application was sent out for the lender with the loan application for the broker in the same letter, and stupidly we signed both of them at the same time thinking the lenders form was just a straight forward application form to be either accepted or refused as they had received no confirmed info at all from us at this time.

 

Both loan applications for 50k and 70k for the lender were sent out within 5 working days of each other putting us under enormous pressure to sign as we were told we could not cancel anyway. We never signed another application form from the broker for the 70k loan.

 

Also the second loan for 70k came with a higher rate of repayment than the first which was not pointed our to us.

 

There are other problems with this loan to do with misrepresentation, but these are the main ones.

 

Given the fact that we can show criminal activity to a judge would the judge be able to void the contract and order the removal of the legal charge over our property.

 

Also is Wilson V Hurstanger still the up to date law that needs to be cited for the case of secret commission.

 

Our problem is that our lender is saying that all contact was not with them but with the broker who is not in business anymore and that in effect they deny all contact except a welcoming call and letter at the end of the loan process, and are denying all responsibility for everything. We always believed that we were dealing with the lender and not the broker and have documentation on the lenders headed paper to prove contact before they say.

 

Surely as the lender they must be at least responsible for their own paperwork.

 

If anyone could offer some help and insight I would be grateful.

 

thx Willow x

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