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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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Wescot/Barclays


Scootmatt
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Im going to ignore wescot.

 

The money I owe Barclays is from an unauthorised overdraft therefore most of it is charges. They closed the account a couple of years ago and I have a red default marker on my credit rating which I want to get ride of.

 

My plan is to get the SAR info from Barclays , work out exactly how much I actually owe them minus all the charges and offer them some or all of this amount. I will use the fact that they didnt respond to my first SAR request to my advantage.

 

Sound good ?

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i would just offer what you see resonable and get the account closed :-) but thats me anything for an easy life. dealing with barcleys on a daily basis i know that trying to get this defult removed from your file now is very rare and I think you would have a very small chance if any of getting this done. I would offer the settalment when the acc is with them as i actualy work for a DRC and know when it gets to passed to some other companies 50%+ settalments are not as easy to come by as they are with wescot x

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Apologies for jumping in Scootmatt,

 

I would like to ask our Westcot representative a brief question; Westcot have informed me a collector will visit me in a few days. I replied via email saying certainly, please come early evening. What will be the response from your employer when I throw the idiot through my fence (joking!) but will certainly give him 5 seconds to bolt or leave bits of him behind! I assume the fools employed to collect via doorstep are on commission only. Bye the way, I am doing this both for amusement and simply to waste Westcot's time!

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Scootmatt, go with your first choice, ignore wetcloths, they and the rest of their buddies are merely deluded children trying to make a name for themselves in their playground, as for Sharklays, it is them who you need to be dealing with direct, again NOT over the phone, in writing ONLY as this will provide you with a paper trail of evidence, whatever, they or wetcloths or any other interested party in this matter wants to say can be committed to writing.

 

Keep a close eye on the time limit they have to respond to your SAR, and yes yours does sound like a perfectly legitimate and feasible idea, pay them ONLY what you owe, dispute the rest if it is all charges.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well in a previous letter to me they acknowledged my letter was sent on the 18th of Feburary so I am guessing that the 40 day period starts from then ???

 

If this is the case then THEIR TIME IS UP !

 

What do I do ? Who do I tell ? Do I wait a few days just incase the postman is having the day off ?

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Send them a Letter Before Action (LBA)

 

Telling them that they have failed to adhere to the time limit laid down and that you will allow them a further 14 days in which to reply to your request, before you complain to the ICO and have them investigate on your behalf.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just got home from work and low and behold a big fat parcel from barclays waiting for me damn !

 

Also a letter from Nelson guest and partners solicitors ( I am guessing they are part of wescot ????) I have informed wescot on more than one occasion that the account is in dispute are they breaking the rules by continuing to contact me ?

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Yes NGP are wetcloths IH sols.

 

Technically they aren't breaking any rules or laws, just willy waving and being a pain in the back side. Just continue to file their missives, and start looking through your parcel...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ok well I have done some maths and if my working out is correct and I remove all the charges (not the interest and account fees just the charges) then Barclays actually owe me money !

 

Does anyone mind if I summarise my maths just to make sure it all makes sense ?

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Ok thanks ,

 

The plan is to find out how much I actually owe them minus any charges.Just to be fair I am willing to pay any account fees and interest encored.

 

From the 26th of March 09 until the account was closed and a default issued on 8th of March 10 my account was overdrawn without authorisation. During this time direct debts came out of the account but I also paid money in to try and clear some of the debt.

 

During this period the most I ever owed the bank was £646.98p , this was on the 1st July 09.

Obviosusly charges were added between the 26th up until the 1st of July so I deducted these charges which gave me £410.98p

 

Now if my thinking is correct the actual amount I owe Barclays minus any charges is £410.98p.

 

Next I added up all the money I paid in during the period between the 26th of March 09 until when the account was closed in March 2010.

The amount of money paid in totalled 456.58p a difference of £45.58p !

 

So instead of me owing the bank £420.30 like they claim if I remove the charges they actually owe me £45.58p.

 

Does this look correct ?

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Hi Scoot

 

Well that all looks fine and dandy, but i'd await the response of a experienced gager prior to informing Lloyds of your actions, or in this case the 'lack of them'. Well done to you.

 

Mr

Regards..Mr Worried :)

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Ah hang on I knew it was too good to be true !

 

I had forgotten to add the interest and account fees for the period between July the 1st 09 and when the account was closed in March 10.

 

The Interest and fees total £52.08p which brings the grand total up to £463.78.

 

Deduct the amount I have already paid in (£456.56) and you are left with £6.50.

 

So it looks like with all the charges deducted I actually owe them the huge sum of six pounds and fifty p.

 

I am guessing this isnt making sense to a lot of you !

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Heres a copy of the letter I am planning on sending to Barclays please let me know what you think.

 

 

Dear sir/madam

 

I am writing to you with regards to my defaulted bank account. According to the bank statements you supplied me and the countless harassing phone calls and letters I have been receiving from Wescot debt collection agency I owe you (Barclays bank) £420.30.

 

During a period between March 2009 and March 2010 I lost my job and fell into financial hardship this in turn caused my account to fall into arrears in the form of an unauthorised overdraft.

 

As you can see from my records, on a couple of occasions I tried to set up a small overdraft to cover me should something like this happen. These applications were denied. You can also see from my records that I made attempts to clear the un-authorised overdraft often paying money into the account that would otherwise have been spent on food.

 

After looking through the statements and information included in my subject access report it has come to my attention that a high percentage of the money you claim I owe is the result of charges. These charges made paying back the money even more difficult and daunting as the amount kept growing even though I was paying money into the account.

 

The total amount of money owed including account fees and the interest incurred but minus any of the charges is £463.06p. The total amount of money I paid in to the account during the period it was in arrears is £456.56, £6.50 less than the amount owed.

 

As you can see there is a vast difference in the amount owed when the £364 worth of charges are removed. Even in my poor financial state I would have been able to afford to pay the £6.50 I actually owed, balancing my account and saving me from the harassment of the debt collection agency.

 

I am now in a situation where I am able to clear this debt and restore my credit rating. I do not however think it is fair or just that I pay you over £300 worth of charges when the amount I actually owe is only £6.50.

 

I enclose a cheque for £6.50 and trust that you will accept this as full and final payment of the debt.

 

Yours faithfully

 

 

 

M

Edited by Scootmatt
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DON'T SEND THE CHEQUE!!

 

Just send them that letter, stating that by your calculations you only owe them £6.50, if you do not hear anything from them further to dispute this, then you will pay them that amount and will deem the matter closed.

 

All they will do otherwise is cash the cheque and continue to pursue you for the remainder.

http://www.lloydstsb.com/contact_us/complaints_procedure.asp

 

There should be an address on the link above to send your letter to.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ahhhh! Good ole Sharklays, they have managed to get themselves to the very top of the banking industry's complaints list! So one more won't make a scrap of difference to them, poor sad sorry shallow souls.

 

http://www.barclays.co.uk/ContactUs/Howtocomplain/P1242558122337

 

Demand they either resolve the dispute immediately OR send you a "Deadlock" letter so you can escalate your complaint to the FOS.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 months later...

Well its been a few months now and I still haven't heard anything back from them BUT the letters from wescot have stopped.

 

Should I write to Barclays and ask why they have not replied to my letter ?

 

Im guessing they are just sitting back and hoping that I pay up to clear my credit rating.

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Don't care about my flipping credit rating anymore... I will never ever loan money in any shape or form again.... I just love the little darlings when they say ( your credit rating could be effected, what your joking I am a bigger risk than Ireland and Greece put together.... me triple AAA is now a quad ZZZZ ,,,, Do they really think I would worry about that..!!!!!!!!!! yo

[sIGPIC][/sIGPIC]Happyhippy1959

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