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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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      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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Car finance query.


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Yes i know what you mean about not earning .my hours have changed at work and losing money in working tax ...that was what was paying for car...I take it your car wasnt bought on a bill of sale then if theyve not been for the car as they prob would have taken it and sold it regardless of price...the thing that gets me about some companies they dont seem to understand that if you havent got the money..you havent got it and no amount of pressuring and mithering it going to get money....sad fact of life ..me and you wont be the only people in this situation...

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Too right, there'll be a hell of a lot in the same boat. I've been told, by a mate, that if the payments I've agreed so far are still crippling me, then as I've paid over 50% pf the vehicle, I could legally offer them a tenner a month. Not sure how that would go down :-)

 

Bet it wouldn't be legal either.

 

Looks like we're stuck with the massive payments mate...get the lottery won and it's happy days all round.

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Have you done an income sheet? In reality you can only afford to pay what you have got left after priority bills.e

Ive taken some advice from trading standards and going to see cab for them to make appointment with money advisor.I actually wrote to my finance company and offered them £10 for the next 6 months to see if my financial situation improves,,in reply to that they sent me income and outgoing sheet..which when done ive nothing left..

As for winning lottery....lol..i put euro millions on last night ..didnt even get a number....lol....think thats just the way my lucks going at the moment....aaaaa well....someone once told me theres a soloution to every problem...and im sure there is..,,,heres to finding it eh...lol.

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May have done income/outgoings some time back, may well be worth a revisit. We can afford it, just, at the moment, but that may well change quite soon. Very curious as to how it pans out with the agreement end date looming, and how the arrears situation is handled.

 

As for the CAB, not sure they will help as the car is a secured loan. When things first got tight, they were my first port of call, helped with everything but the car. Sorry about that.

 

Good luck mate, what you like at bank robbery (my next port of call), bet we're not as good as the banks themselves.

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How long have you got left before agreement ends? I suppose with arrears that would depend on how much you owe...( im not prying lol ) you could always offer to continue with what your paying now till it ends.depends on how flexible company is really...my finance comp not the best to deal with so i may have a long hard slog on my plate as a bit complicated.

As for the cab im hoping to get some insolvency advice or bankruptcy advice . Pretty scary stuff but ive nothing to lose except maybe pride..!

Now then ..bank robbery...mmm not sure id make a good bonnie.....lol.....but banks...daylight robbery in my opinion....lol

Ive got laugh otherwise i might go mad with all this stress...Good Luck to you

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ok then, ive had a look at the agreement and i have some issues with the figures but we will leave them for the moment. i see you have the usual micky mouse insurance loaded into the agreement

 

gap £595 ouch, you can get that for about £75

ppi £1882 ouch again

 

mechanical breakdown £495, why when you have gap

 

THESE QUESTIONS ARE IMPORTANT AND CAN GET THIS LOAN WIPED WITH NOTHING OWING AND LITTLE HASTLE

REF GAP, MECHANICAL BREAKDOWN AND PPI DID YOU GET ANY SEPERATE POLICY DOCUMENTS FOR EACH INSURANCE WITH T&C AND WHO UNDERWRITES THOSE INSURANCE PRODUCTS

 

DO YOU HAVE A DOCUMENT CALLED STATEMENT OF MEANS ??

 

THIS IS A DOCUMENT THAT YOU NED TO SIGN AT POINT OF SALE CONFIRMING THIS INSURANCE CRAP IS SUTABLE. FOR INSTANCE ARE YOU SELF EMPLOYED, HAVE ANY OTHER INSURANCE, ANY PRE EXSISTING MEDICAL CONDITIONS, ETC,ETC

 

DO YOU HAVE A DOCUMENT CALLED STATEMENT OF PRICE???

 

THIS DOCUMENT TELLS YOU THE TRUE EXTENT OF HOW MUCH THIS INSURANCE CRAP WILL COST OVER THE EXTENT OF THE LOAN

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  • 2 months later...

Latest from finance company after I asked them to clarify situation. Doesn't say much. Does anyone know of any advice centres that may be able to help? CAB weren't interested, something about secured loan?

 

Hi Mr********

 

Thank you for your email.

 

The situation with the vehicle is the full outstanding balance is £4998.34, your account will be due to finish in October but will obviously go over this term due to the arrears.

 

If your situation is still the same we can keep you on the reduced payments of £150 per month on receipt of up to date proofs of your situation. Your current card schedule expires on 12th June so we will need to re-set it then anyway.

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yeh can be slightly confusing at first had me spun out completely.

 

on reply click "Go Advanced"

click on the icon of the paper clip

then click on Add Files box on the top right

then search for the files on your pc.

 

b

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Pre contract information section 3 states you have the right to cancel,

 

Termination: Your Rights

You have a right to end this agreement. To do so, you should write to the person you make your payments to.

They will then be entitled to the return of the goods and to half the total amount payable under this agreement, that is £4309.32. If you have already paid at least this amount plus any overdue installments and have taken reasonable care of the good, you will not have to pay any more.

 

Do you meet that criteria?

 

Anyone know if there is any realistic chance of exploiting this??

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Pre contract information section 3 states you have the right to cancel,

 

Termination: Your Rights

You have a right to end this agreement. To do so, you should write to the person you make your payments to.

They will then be entitled to the return of the goods and to half the total amount payable under this agreement, that is £4309.32. If you have already paid at least this amount plus any overdue installments and have taken reasonable care of the good, you will not have to pay any more.

 

Do you meet that criteria?

 

Anyone know if there is any realistic chance of exploiting this??

 

Just done a rough count and we've paid some £8,000 off it. The arrears are the problem...as I posted earlier they stand at £5,000 now.

Edited by yogibear8
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Hmm surely that, if payed would place the debt to £12,320?

For an original debt just short of £9,000?

 

I would definitly look into the reclaiming of miss sold PPI route if it is at all possible as that is an incredible figure at over £1,800!! (potentially plus interest on that figure too)

Were you forced into taking PPI as part of the finance agreement? (repayment of this would take a decent chunk out of the outstanding balance)

Is it possible to claim charges back on this?

 

postggj is pretty well clued up on this sort of agreements and should be able to guide you in the right direction if available.

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Total to pay back would be £13,204.80 @ 48 x £275.10. A shed load of money, but that is what these adverse credit companies charge unfortunately. When I was working it wasn't a problem, but it is now.

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I sent them this yesterday.

 

As I understand it, it will take me some 3 years to clear the amount outstanding NOW, without any interest that is no doubt going to be added on to the arrears, at the present rate. Obviously this is in no-ones interest, is there any other way of approaching the problem?

 

This is the response today.

 

Thank you for your email. The only other way the clear the balance apart from continuing with the repayments is to settle it all in one go, the current settlement figure is £5010.34.

 

Unfortunately this is the only other way to clear the balance if you wish to keep the vehicle. If you do not wish to keep the vehicle you can voluntary surrender it back to us, the vehicle will be sold at auction, and you would be liable for any outstanding balance.

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Have you looked into the possibility of reclaiming PPI. (I believe it is possible to relaim miss sold PPI + interest in the region of 8% on that sum)Were you forced into agreeing to the PPI policy? (miss sold)Were you led to believe / told that you wouldn't get the finance without it? (miss sold)Have you had penalty charges added to the account? Do you have statements of such? (your's were much higher than the banks £25 a time fee's and they were deemed unfair as they were not a true representation of the administration cost involved and since been reduced to £12 a time.)Im not 100% sure if you will be able to put in a claim for miss sold PPI or even Unfair / Unlawfull charges but it has to be worth looking into as a means of reducing the balance if nothing else? You have nothing to lose by resarching this!Do any of the Site Team, Mod's or fellow CAGgers have any experience of claiming against these types of agreements or knowledge of how to go about this that they could share to help yogibear8 with this??

Edited by bernardski
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Going to exercise my common law right to have a half hour legal consultation with a solicitor next week, see what they advise. Cheers all, will pursue the PPI separately (the solicitor offers a No Win No Fee service for this. Any commission will be worth it just to get rid of the millstone.

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Good about seeing a soliciter but please think very carefully before using a "No win, No fee" company to make a claim for PPI.

 

DO NOT DO THIS

 

The reasons NOT to use them are:

 

1) It is something that you can do for yourself. There are plenty of threads on here with advice how. It may take a little longer but costs a cosiderable amount less.

 

 

2) Any refund you recieve will go towards satisfying the remaining outstanding balance and only to you if the payout was more than the remaing outstanding balance.

 

 

3) If your reclaimed amount was less than the remaining balance then you would still owe money to the people currently chasing the debt AND also to the "No win, No fee" cowboys who would then commence recovery action for payment of their fee's so you would have 2 debt collection agencies chasing you!!

 

 

B

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