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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.  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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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cca request replies.


swanbi
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hi everyone, i am new to the forum and this is my first post. i have sent cca requests to my creditors and have received the following responses.

 

1: cabot, they do not have info on file, they have requested relevant info from original lender (goldfish credit card).they did not accept statutory fee and returned it.they anticipate they will be able to provide info within 12 days.

2: equidebt ltd, santander current bank account. they say debt on this type of bank account is not subject to the provisions of the cca 1974.they kept statutory fee.

3:capquest, capital one credit card, they returned letter and fee as their client requires any written requests are signed before they can process. they asked could i sign and return letter so they can forward request to their client.

 

any help would be appreciated.

thanks.

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1/ if they fail to produce within 14 days then they cannot enforce the agreement

 

3/ write back to capquest and re send the fee pointing out that there is no requirement for you to sign the s78 letter and that your address is that to which they have communicted with you in the past

 

tell them that they will be in default of s78 if they fail to respond within 12 days and no further argument as to their obligations will be entered into

 

also make sure you endorse the cheque or Postal order that it is to be used ONLY in respect of the fee for a s78 application

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In regards to number 2. you can send them a prove it letter. They still have a responsibility to prove the debt exists and how it is made up. As a current account and overdraft does not come under the CCA, they do not need to comply to it. You do not need to send a postal order for the prove it letter.

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Hello and Welcome, swanbi.

 

If they happen to come up with agreements for the Credit Cards charges on these accounts are re-claimable.

 

Regards,

 

Scott.

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

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

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  • 2 weeks later...
3:capquest, Capital Onelink3.gif credit card, they returned letter and fee as their client requires any written requests are signed before they can process. they asked could i sign and return letter so they can forward request to their client.

 

Debt Letter - When company refuse CCA due to no signature

http://www.consumeractiongroup.co.uk...o-no-signature

 

2: equidebt ltd, Santanderlink3.gif current bank account. they say debt on this type of bank account is not subject to the provisions of the cca 1974.they kept statutory fee.

 

An overdraft is a form of credit. You could do a SAR, Aswell as the statements, specifically ask for a copy of the current account application/agreement & a copy of the Overdraft Agreement and the T&C's relevant to the overdraft.

 

Also, Cabot will have to supply everything they hold on. Which should incude. The Default Notice issued by Santader before it was sold. The Deed of Assignment, from Santander to Equitable, & the Notice of Assignment (from Equitable to you).

See what they have.

 

Debs

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Thanks Debs, I shall request the info you suggest, Just to clarify cabot are chasing a debt from goldfish credit card which they say is owned by barclaycard and equidebt are chasing debt from santander which war originally abbey account. I need to post new thread but have forgotten how to.

Can you advise. Thanks.

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I sent cabot account in dispute letter, they replied with our final response to your complaint letter. This contained same old waffle, still waiting for original lender to supply info, debt still exists and keep making payments. Should I just wait for them to provide info?

Thanks.

 

Don't make payments while the account is in dispute, you are not legaly required to. Ignore them until they supply the documents you have requested

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Thanks Debs, I shall request the info you suggest, Just to clarify cabot are chasing a debt from goldfish credit card which they say is owned by barclaycard and equidebt are chasing debt from santander which war originally abbey account. I need to post new thread but have forgotten how to.

Can you advise. Thanks.

 

 

Click onto the debt forum on the top bar, then go down to debt collection industry and click on that, then click on start new thread

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Don't make payments while the account is in dispute, you are not legaly required to. Ignore them until they supply the documents you have requested

 

whether you do or do not make payments- it should be pointed out that it is NOT correct to say that you are not legally required to do so

 

the failure of the claimant to supply documents in response to a CCA request does not amount to a "dispute" on the account

 

by all means dont pay if you dont want to- but you are still legally obliged to make repayments and your credit file (if not already) will be trashed

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whether you do or do not make payments- it should be pointed out that it is NOT correct to say that you are not legally required to do so

 

the failure of the claimant to supply documents in response to a CCA request does not amount to a "dispute" on the account

 

by all means dont pay if you dont want to- but you are still legally obliged to make repayments and your credit file (if not already) will be trashed

 

Sorry but I thought that being as though the 12+2 days for the CCA request has passed and the OP has sent the account in dispute letter as they have not supplied the relevant paperwork, the account is not enforcable so the OP doesn't have to offer payment until they do (meaning their is no legal requirement to do so).

 

And I am presuming that as this is with a DCA the OP's credit file is already trashed. The OP did not indicate that they had or had not previously being making payments to the DCA, I presumed that they were not (maybe foolishly)

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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But yes, I agree that the money is still owed (so technically your right as it does legally exist)and not paying can still affect your credit rating etc, but remains unenforcable until they come up with an enforcable agreement. So yes I take it back!

My advice was based on the OP not currently paying

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Well, I hope your only making a £1 token payment. That is probably all a court would make you pay as your unemployed

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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  • 2 weeks later...

Hi all, An update from cabot, We refer to our recent letter informing you that O/L is experiencing a delay in obtaining info from their archives. Be assured we are continuing to request the info as a matter of urgency from O/L and hope to send info shortly. We would again remind your debt remains legally due, We recommend you make repayments to your account accordingly. We appreciate your patience and co-operation in this matter and apologise for any inconvenience you may have experienced as a result of this delay.

 

Is this standard crap they send out?

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Pretty much. Until they produce an enforcable agreement they cannot take you court to make you pay. If you want to make token payments then that is entirely up to you. They can still update your credit file and ask you to pay in the absence of the agreement.

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Hi Swanbi, if you haven't been making payments to date, then don't start now, it can't do you any more harm by not making them. If you have been, then it's upto you.

 

Diddydicky posted earlier that I was incorrect by saying that you are not legally obligued to make payment while the account is in dispute. However to clarify the point, they can not legally enforce you to make payments while the account is in dispute.

 

While the account is in dispute, they can still ask for payments, they can update your credit file and they can start court proceedings (they cannot obtain judgement though), these guidelines are from the OFT.

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Hi All, An update from cabot, Dear Swanbi, Your request for info under cca 1974. Unfortunately we have not been able to provide you with the requested info within relevant time period.

What happens next? We shall continue to request info from O/L to assist you with your request. In the meantime, We would like to inform you that your account shall remain on hold with customer assurance dept until such time we can comply with your request.

Your account, Please note, you are still obliged to repay the balance as confirmed in this letter and we reccomend you contact us to set up repayment arrangement.

Summary, Account on hold but keep making payments.

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Thanks Victoria, Cabot are very greedy, 2 years ago I offered them settlement figure of 30%. They declined saying they wanted 70%. they probably only paid 5-10% to buy debt. Sadly for them this cash cow has stopped being milked!

 

Regards Swanbi.

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