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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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cabot - citicard impending court action


andy_l
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Hi Guys

I've had a reply from the court with a standard order for stay.

As far as I can see, the claimant will apply for a further extension if tyhey have not received the CCA or we both go to court to fill out another allocation questionnaire and proceed to do battle.

Any advice please?

 

Also I have Apex threatening to take me to the small claims court in respect of a TSB credit card debt of just over £1k, are the rules the same insomuch as a default notice should be served and a valid CCa and statement of account should be produced etc etc?

 

rgds

andy_l

order for stay 29032011.doc

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Good - it looks like this has been stayed, which is what we were hoping. They can come back at you in future but hopefully have got the message.

 

Re Apex , you need to send them a CCA request - do you need the links? May be worth starting a new thread on this one, on Debt Collection Forum. Some info on how old this is etc would be useful and you may need some info from TSB but I would not worry about it

Please support CAG and they will support you.

donate

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Hi Guys

I've had a resonse from morgans in view of trying to settle the claim before going to court, see attached.

Not sure what my response should be.

I did offer a settlement figure of approx 18% previouysly but this was declined, so I guess I should remove this offer.

Also should I waffle on about not being provided with a CCA or complete statement of account, having been trying to get one since Sept 2009.

rgds

Andy

settleneg1.doc

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You can reply that you made a genuine offer of settlement but that their conduct in failing to comply with the CCA has led you to believe that this matter should be decided by the courts.

 

Restate whatever offer you want to make, if any, and simply restate that the flaws in their case.

 

Make sure you make them aware that conduct works both ways ;-)

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Hi Guys

I need to start two new threads, one for lloydstsb visa and the other for lloydstsb mastercard.

I'm struggling to see how to do that.

Can anyone advise please?

thanks

andy_l

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For the Debt Collection forum go here:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?167-Debt-Collection-Industry

 

A little way down on the left is a button, entitled ‘+ Post New Thread’. Click this and away you go.

 

Similarly for the Legal forum:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?170-Legal-Issues

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  • 2 weeks later...

Hi guys

I have to reply to the court by today with my negotiation settlement.....andy comments please

rgds

andy_l

 

Morgan Solicitors

5 Mitchell Court

Castle Mound Way

Rugby

CV23 0UY

27th April 2011

Cabot Reference:

In the Rugby County Court

Cabot -v-

Claim Number:

Dear Sir/Madam,

I am in receipt of your letter dated 5th April 2011 in respect of a settlement negotiation and after due and careful consideration, I offer the following reply.

You will appreciate that I am defending myself and as such have no legal training in any such matters.

On 11th December 2010, I made, what I considered to be a fair and reasonable offer to the claimant’s client Cabot Financial (Europe) Limited of £xxxx.xx to settle the account in full without prejudice with financial help from my family. Obviously this offer has been declined. I therefore withdraw that offer.

Since September 2009, I have written various letters (in what I believed to be of the correct protocol and directed to the relevant parties) requesting a copy of the CCA and statement of account. To date I haven’t received this information.

It is of my opinion, that the claimant has not conducted their claim in a correct and orderly fashion, but rather that it has been based on intimidation.

The claimant has not sought to obtain a copy of the CCA or full statement of account prior to making their claim, which I would assume to be a pre-requisite to proving and enforcing the claimant’s claim. I would therefore question the validity of the served default notice and notice of assignment as the claimant is obviously in default of not having supplied a copy of the CCA and full statement of account thatI may view.

With this in mind, I see no alternative but to go to court, whereupon I shall be asking the court to strike out the claimant’s claim and award any costs against the claimant.

Yours sincerely,

 

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One pointer, i wouldn't use abbreviations, CCA while you may understand what it refers to, the person the other end may not.

 

also im baffled by this

 

The claimant has not sought to obtain a copy of the CCA or full statement of account prior to making their claim, which I would assume to be a pre-requisite to proving and enforcing the claimant’s claim. I would therefore question the validity of the served default notice and notice of assignment as the claimant is obviously in default of not having supplied a copy of the CCA and full statement of account thatI may view.

 

I dont see how the validity of the Default notice can be questioned, if the Claimant hasnt complied with s78 CCA 1974 for example as it would be the s78 breach which precludes the enforcement.

 

If the Default notice is not compliant with the regulations then this gives a further limb to attack on, it is not however in place of the s78 breach but in addition to it.

 

If they cannot prove service of the notice of assignment then they may still rely on equity as their aid so that would not defeat their claim either

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  • 2 weeks later...

Hi Guys

I got a reply back from morgans (see attached file).

Along with these letters came to copies of agreements (basically one dated 01-09-2002 and the other dated 01-11-2009) both of which are titled Credit Agreements regulated by the Consumer Credit Act 1974 and contain my name and address at the top BUT do not contain my credit card account reference number, ie they are photocopies with my name and address at the the top as well as Citibank's.

The attached letter from Citi The Debtor's Credit Agreement Request is dated 8th April 2011, which means morgans obtaiuned a copy of the CCA's within weeks of asking, whereas, I the customer couldn't get one for love nor money since asking since Sept 2009, so I'm a bit miffed about that.

In morgan's letter, they state that they are under no obligation to provide a full history of the account, so how am I supposed to deduce how the final alleged debt was arrived at and whether it was correctly calculated.

Also the court stayed procedings until 11th may 2011, yet morgans are giving me another two weeks to respond to there letter which goes beyond the 11th May. Will I be getting a letter from the court soon ?

Any ideas where I should go from here ?

many thanks

andy_l

morgan reply 06052011.doc

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Hi Guys

It looks like my only form of defence is now to complain that I don't believe the claim against me has been made in an intimidating fashion and has not followed the correct protocol.

  • Court case stayed until 11th May 2011.
  • in Sept 2009 I applied to Citi for CCA etc under the 974 S78 act together with my £1, I received nothing.
  • Default Notice served while Citi in default.
  • Notice of Assignment to Cabot served while Citi in default, other than letter from Citi, no proof of assignment (deeds etc) supplied.
  • SAR sent to Citi, full statement of account not supplied.
  • 6th May, Morgans supplied copy of reconstituted CCA, stating they now have enough info to enforce claim, and they do not need to supply full statement of account to quantify debt.

Looks like I'm on a sticky wicket, any advice please ?

rgds

andy_l

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I'm afraid none of the above seems to me to be a valid defence....Whilst in default of responding to a s78 request they may do everything bar gain judgment in court, this has been determined in court and backed up by the OFT, therefore all the actions you list are valid even whilst in default of responding.

 

I havent looked back but did Citi actually send you a default notice? it wasnt the norm for them to do this.

 

I would seriously think about the next step as it will cost you more in costs to actually proceed to court with this action if you could potentially negotiate with them prior.

 

S.

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Am I missing something here? Your defence is that they haven't supplied a copy of the original agreement. I know creditors will argue Carey allows for a reconstitued agreement in response to the s.78 request but the original is required in court. No original should mean no judgement.

I guess it's whether you want to continue with this line, if I'm wrong I stand corrected.

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thanks Tonster

are we saying that if the original (copy) CCA with my signature is not supplied in court then the debt remains uneforcable.....is that cut and dried or would it be for the judge to decide ?

rgds

andy_l

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I have been supplied with a re-constituted CCA (photocopy single sided) with my name and address at the top, but it doesnt contain any signatures. basically its just the t & c's.

rgs

andy_l

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It must still contain the prescribed inclusions, reconstitute copies are for the supplying of information ie Sec 77/78 only

not enforcing in a court of law, but as you quite rightly state, right DJ, right day and mood and knowledge of the CCA is another force to consider

carefully before continuing.

 

Regards

 

Andy

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Oh !!!! why dopes everything have to be so grey instead of simply being black or white, no wonder solicitors make a lot of money....

 

The problem is county court is governed by DJ's who deal in the law of probabilities not absolutes as in criminal law so its a case of the judge being convinced who has the best presentation/story/facts etc.

 

S.

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