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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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The Dreaded H F O Services & Morgan Stanley Card 'debt'


Mr Worried
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Hi All I recieved this today.......

 

Dear Mr W

 

Acct with OC xxxxx

Acct Num xxxxxx

HFO case no xxxxx

Amount Owing xxxxx

 

We have tried to contact you several times blah blah with the offer that HFO has for you in connection with your acct, Current Bal xxxxxxx.

 

We are reviewing your acct and preparing an in depth info dossier on your current financial situation, if you fail to get in touch then ' your dossier ' will be forwarded to our solicitors with the instruction ' Sue '

 

Our credit search shows that you have an active xxxx account upon your credit report, in this situation HFO have 3 options to choose from....

 

1...Initiate action against you to secure debt with a C O , you have made payments in the past and it is unlikely that you will be able to raise a credible defence to legal action.

 

2..Agree a settlement allowing you to pay a ' one time settlement ' amount...or...

 

3...Enter into a reasonable payment arrangement with you towards the full amount...

 

Additionally HFO could enforce its judgement by way of ' Warrant of execution ' whereas bailiffs will visit your home sieze goods and sell.

 

You can avoid escalation of this matter by calling me ASAP.....

 

.................................................................................................................................................

 

Within the paperwork is a load of bumpf regarding ' How To ' various forms ie...EX 325. LOC011. ????????.

 

So C'mon then guys who can do a nice reply to them from me.

 

Oh by the way this acc was cca'd but never complied with.

 

Mr W

Regards..Mr Worried :)

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The nonsense they spout is just incredible :lol:

 

Hi T

 

I know, they are shocking, I will report this to the relevant bodies? I want to phone them and have a go, but I know better.

 

Mr

Regards..Mr Worried :)

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Hi T

 

Your correct and no doubt I will, however there are some hellish letter writers on here. lets just wait a day or 2 and see who comes up with the goods.

 

Mr W

Regards..Mr Worried :)

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Hi Mr W

 

Who is the Original Creditor for this and how old is it? When you say you sent them a CCA request when was it, what did you receive and did you put the account in dispute by sending the relevant letter?

 

Have you ever received a Notice of Assignment and if so which company was this sold to?

 

HFO are nasty and you need to get as much information about this account as you can.

 

You need to complain about that letter to James Waldron at OFT

Please support CAG and they will support you.

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Hi CD tHANKS FOR THE RESPONSE PLEASE SEE RED WRITING.

 

Hi Mr W

 

Who is the Original CreditorMorgan Stanley for this and how old is it? Last payment over 2 yr ago When you say you sent them a CCA request when was it, Nov 2009 what did you receive non compliance and did you put the account in dispute by sending the relevant letter?Yes

 

Have you ever received a Notice of Assignment and if so which company was this sold to? Not that I can remember HFO have just came on the scene.

 

HFO are nasty and you need to get as much information about this account as you can. Thats why I want to retaliate in the correct manner?

 

You need to complain about that letter to James Waldron at OFT

Regards..Mr Worried :)

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Was the CCA sent to HFO or someone else? When did HFO come on the scene?

 

Morgan Stanley is now administered by Barclaycard, I believe, so you will need to contact them for further information about this

 

How old is the actual account?

Please support CAG and they will support you.

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Was the CCA sent to HFO or someone else? To Morgan Stanley When did HFO come on the scene? 3 Weeks ago, phone calls etc, threatograms

 

Morgan Stanley is now administered by Barclaycard, I believe, so you will need to contact them for further information about this I will just send them the various letters, think a prove it one to HFO?

 

How old is the actual account?

about 6 7 yr old

Regards..Mr Worried :)

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You can inform HFO that the account is already in dispute with MS, since date... enclose a copy of the original dispute letter you sent MS. There is a good letter for this in the library. You can add elements of the 'prove it' letter to this as you have received no notice of assignment. Also add a complaint about their harassment and threats contained in the letter which are against OFT guidelines.

 

I would suggest you ring Barclaycard and ask when and to whom this account was sold, number below. Get this confirmed in writing.

Barclaycard recoveries 0844 556 0066 (Barry Challinor is a good contact)

 

A complaint to OFT is a must

Please support CAG and they will support you.

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Great CD

i SHALL DO THAT TOMMOROW AS i AM GOING OUT NOW.

 

cHEERS

 

mR w

You can inform HFO that the account is already in dispute with MS, since date... enclose a copy of the original dispute letter you sent MS. There is a good letter for this in the library. You can add elements of the 'prove it' letter to this as you have received no notice of assignment. Also add a complaint about their harassment and threats contained in the letter which are against OFT guidelines.

 

I would suggest you ring Barclaycard and ask when and to whom this account was sold, number below. Get this confirmed in writing.

Barclaycard recoveries 0844 556 0066 (Barry Challinor is a good contact)

 

A complaint to OFT is a must

Regards..Mr Worried :)

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OMG.... that has got to be one of the most childishly written threatograms that I've ever come across on these forums... :lol:

 

Is this close to being stat. barred by any chance? I quickly scanned the thread and saw it was quite an old account... when was the last payment/written acknowledgement made?

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I got one of those letters with a credit report, company credit report and photo of someone else's house attached. Presume the latter was where they were going to send the bailiffs, muppets.

 

Don't think this account is anywhere near SB which is odd

Please support CAG and they will support you.

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All too common unfortunetly from HFO, I think they must be a Jim Henson creation as their muppets

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

 

 

If I Have helped please feel free to click the star

:smile:

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Hi All I recieved this today.......

 

Dear Mr W

 

Acct with OC xxxxx

Acct Num xxxxxx

HFO case no xxxxx

Amount Owing xxxxx

 

We have tried to contact you several times blah blah with the offer that HFO has for you in connection with your acct, Current Bal xxxxxxx.

 

We are reviewing your acct and preparing an in depth info dossier on your current financial situation, if you fail to get in touch then ' your dossier ' will be forwarded to our solicitors with the instruction ' Sue ' Is it going to the FBI or something?... :lol:

 

Our credit search shows that you have an active xxxx account upon your credit report, in this situation HFO have 3 options to choose from.... I assume they're talking about a default.... so what?

 

1...Initiate action against you to secure debt with a C O , you have made payments in the past and it is unlikely that you will be able to raise a credible defence to legal action. What a pile of ballhooks..!! :lol: They can only take legal action if they have the account by Absolute Assignment and that doesn't mean they'll get a CO!! OMG!!.... what a tw*tish comment!!

 

2..Agree a settlement allowing you to pay a ' one time settlement ' amount...or... This is what they're after....

 

3...Enter into a reasonable payment arrangement with you towards the full amount... Mmmm "reasonable".... yeah right.....

 

Additionally HFO could enforce its judgement by way of ' Warrant of execution ' whereas bailiffs will visit your home sieze goods and sell. What Judgement?! :lol:

 

You can avoid escalation of this matter by calling me ASAP..... Oh bog off.... :lol:

 

.................................................................................................................................................

 

Within the paperwork is a load of bumpf regarding ' How To ' various forms ie...EX 325. LOC011. ????????.

 

So C'mon then guys who can do a nice reply to them from me.

 

Oh by the way this acc was cca'd but never complied with.

 

Mr W

 

I have a letter in my file somewhere that was sent to another DCA after they claimed to have powers of God Almighty.... I'll PM it to you if you prefer because of the issues you raised....

 

Let me know...

 

:-)

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about 6 7 yr old

 

Evening Mr. Worried,

 

This is about the same age as my Morgan Stanley. BC sent me a right old cut & paste botch in response to a CCA request. Westcotts / Nelson Guest are currently sending me threatograms, legal action threats etc. Previously I was a valued client of Moorcroft - told them to eff off.

 

You could respond to HFO and and advise them they have omitted option number 4 - foxtrot oscar!

You could also enclose an admin fee of £35 for dealing with their inane drivel. I sent one to Moorcroft and never heard from them again. I may be creating problems for myself in the future by doing this, particularly if it ended up in front of a judge, but I found being aggressive back to a moronic DCA gives me a great deal of pleasure!

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Points taken, but HFO are persistant little bleeders and tend not to back off. Mr W needs to get all the info on this. He has my permission to be very rude to them however

Please support CAG and they will support you.

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Points taken, but HFO are persistant little bleeders and tend not to back off. Mr W needs to get all the info on this. He has my permission to be very rude to them however

I am happy to add my signature to that

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

 

 

If I Have helped please feel free to click the star

:smile:

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Hi To All

 

Thanks for the great responses, I shall sift through this lot again tommorow as my eyelids are begining to close.

 

PO will you pm that doc re my concerns.

 

Ta very much to you all.

 

Mr W

Regards..Mr Worried :)

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Hi To All

 

Thanks for the great responses, I shall sift through this lot again tommorow as my eyelids are begining to close.

 

PO will you pm that doc re my concerns.

 

Ta very much to you all.

 

Mr W

 

I'll send it you this evening.... :-)

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Done..!! Check your Inbox Mr. Worried..... :-)

 

Send by rec. delivery and see what happens. They may persist with some ramblings about Carey/McGuffick.... or they may just b*gger off.... but whatever happens, we'll deal with it.

 

:-)

Edited by PriorityOne
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Can you PM me that letter PO? - could be useful, will not divulge it.

 

Unfortuntately, HFO tend to not bog off that easily, I think they need some basic training in reading, riting and rithmatic, so Mr W must get some more information from BC about this account.

Please support CAG and they will support you.

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Can you PM me that letter PO? - could be useful, will not divulge it.

 

Unfortuntately, HFO tend to not bog off that easily, I think they need some basic training in reading, riting and rithmatic, so Mr W must get some more information from BC about this account.

 

I'm happy to PM it to you Coledog.... but need Mr. Worried to be ok with it first, if that's ok with you.... :-)

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