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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.  
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Definietly ignoring tingy, threatening default now and havent acknowledged the letter you wrote for me. They were very quick before to respond to everything else.

 

Sorry lincsloon, not trying to hijack :-)

 

No carry on, if we can all glean something from the info. bandied about that's a good thing, isn't it?

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Latest update & letter from Lowells portfolio, signed from a different person who's the Complaint Resolution and Quality Assurance Manager, apparently :-

 

Dear xxx xxxxxx

 

Thank you for taking the time to contact us recently, we have fully noted all the points you have raised.

 

I can confirm that the Complaints Resolution Department now owns your complaint and will be conducting a thorough investigation into your concerns. Upon completion of this investigation we will write to you again, with our resolution.

 

Before we have reached a resolution we may need to contact you again to update you with the progress of the investigation or to request further information, the easiest way to do this is via telephone, if you are happy for us to do so.

 

I would like to reassure you that whilst our investigations are ongoing we will place your account on hold , which means we will not be carrying out any collections activities, until your complaint has been resolved.

 

We have enclosed a copy of our internal Complaint Procedure for your information. Please take the time to read this, as it explains fully the steps we will follow in responding to your complaint.

 

In the meantime, if you have any queries, please do not hesitate to contact my team by calling the free telephone number: 0800 542 0058*, which brings you directly through to the Complaints Resolution Department.

 

Yours Sincerely

*signature*

xxxxx xxxxxxxx

Complaint Resolution and Quality Assurance Manager

 

 

 

Now, firstly the tone since the first letter is decidedly respectful & creeping.

Secondly, they didn't enclose the copy of the Complaint Procedure :lol: not that it would've been read by me.

 

What does the board think?

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Well well well, after all this time Lowells have responded and it appears they think have a case to prove. I will write their letter word for word when i get back from work later tonight and put it on here. However, again with their unprofessionalism, their letter was dated 16th June 2011, my girlfriend only received it on Saturday just gone, the 9th July, and in the last but one paragraph they state they are giving her 14 days to contact them regarding repayment, lol.

I was going to fire off a quick letter stating receipt of their letter, we are considering our options and need to gather more info and point out their little gaffe regarding dates, does the board think i should do this?

 

regards

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Hi,

 

My apologies for not putting the letter up as stated in the above post straight away, been so busy at work here it is, what do the experts on here think? They did send copies of the original credit agreement, letter from Shop Direct stating they were assigning the account to Lowells and a summary of transactions:-

 

Our reference: xxxxxxxx

Original Creditor: Shop Direct

 

Dear xxx xxxxx

 

I am writing in response to your letter, received 24 March 2011, having now completed my investigation into the issues you have raised. I apologise that it has been necessary for you to contact us regarding your concerns and am grateful for the opportunity to address these. Before i proceed, i would like to apologise for the delay in offering a full response to your concerns and for any inconvenience this has caused.

 

My understanding of your complaint is you are dissatisfied with the content and tone of our letter of 14 March 2011.

 

It is evident the balance of the account has been accumulated by charges and interest between the period of 27th February 2010 to 22nd October 2010, as the minimum required payments as stated in the terms and conditions of the contract were not met. This is why the balance has increaserd and i have included a statement of the account showing a breakdown of the balance.

 

You have mentioned the paragraph in our letter which is headed: 'Our intentions', as you believe this breaches certain sections of The Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). This statement is intended to make it clear to you that we are legitimately able to view your credit file, which can contain data recorded by the credit reference agencies relating to Credit Applications (CAPS) you may have made. As part of a credit application, the applicant may be asked by the creditor to provide certain information about their employment status. It is this information which this paragraph refers to, however, this does not state we will be in contact with your employer and i can confirm that we do not obtain any employment information in this way. The information obtained from an individual's credit file helps us to make informed decisions about that person's financial circumstances, which in turn informs the approach we may take to attempt to settle an account.

 

Further to your comments in relation to a Debt Collection Agent visiting you at your home to discuss payment, i would respectfully respond this is a valid option that is available to us if previous attempts to reach an agreement with you have failed. We are by no means suggesting, however, that an agent can unilaterally visit your address without making an appointment to do so with you and it is for this reason that we refer to 'arranging any such visit.

 

I would like assure you are we are well aware of our obligations under CPUTR 2008, as this is the case with all industry guidelines and legislation under which the company operates. With regard to your specific reference to Section 7 1b of CPUTR, respectively i cannot agree that our letter constitutes harassment, coercion or undue influence. The purpose of the letter is to indicate that the matter has escalated due to our inability to reach an agreement with you to settle the balance outstanding. These options outlined are legitimate alternative recovery methods available to us in instances where we have previously been unsuccessful in reaching an agreement with our customers.

 

Furthermore, with reference to Section 7, 2a,b, and c of CPUTR, i must advise that our practices are fully in keeping with our responsibilities and obligations as a debt purchasing company abnd cannot agree that our attempts to settle this matter with you constitute harassment, coercion and undue influence through the timing, location, nature and persistence of our actions. I would also advise that our communication with you has not at any point been threatening, abusive or exploitative.

 

In reference to Section 11, again we are well aware of our obligations under this clause and as stated above we do not agree that out commercial practice is in anyway aggressive nor represents a criminal offence.

 

A letter of assignment was originally sent to you at your current address on the 1 November 2010 and this satisfied our obligations under section 136 of the Law of Property Act 1925. I must respectively advise that we have established processes that enable us to commence litigation against an individual who has failed to work with us to settle an outstanding balance, which includes the ability to issue a claim through the County Court. In relation a statutory demand being issued, this is an option that is also available to us if an account meets certain criteria. In this case, after reviewing your file, your account does not meet the necessary requirements for a statutory demand to be issued. Though this is the case, i cannot agree that our reference to this is threatening, as the purpose of the letter is to transparently outline to our customers the avenues we are able to consider if our attempts to work with a customer are not reciprocated.

 

Please be advised that we strongly refute your allegation that we have committed several criminal offences. Though your comments are duly noted, i am satisfied that we have taken all reasonable steps to try and enter into reasonable discourse with you with a view to settling this matter. As these have failed, we are left with no alternative but to outline our further options, though i would like to take the opportunity to reiterate our commitment to working with you should you agree to cooperate with us and remove the need for us to consider the other recovery methods available.

 

I have enclosed a copy of the original credit agreement for your perusal and will keep your account on hold for 14 days to allow you sufficient time to contact us to agree a suitable repayment plan.

 

I would like to assure you that the Lowell Group of Companies is committed to resolving complaints in a fair and consistent manner and i do hope you have found this to be the case. I would also like to confirm that this letter represents our final response on this matter. Should it be the case that you remain dissatisfied, you have the refer your complaint to the Financial Ombudsman Service. You need to do this within six months of the date of this letter. For more information, please see the enclosed guide 'Your Complaint and the Ombudsman'

 

Yours Sincerely

signature

Sahir Fazal

Complaints Resolution Officer

Tel: 0800 542 0058

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As an aside, they didn't enclose the guide 'Your Complaint and the Ombudsmen', with the letter dated 16th June. However my girlfriend received this along with a letter dated 18th July, today, (after i fired off a letter stating this), she has also been given a further 30 days to evaluate their decision.

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A lovely letter discussing the issues surrounding 'debt collection' only.

 

This amounts to nothing as the ultimate sanction they can use is legal enforcement

 

.However there is nothing in this lengthy speel that addresses the issue as to whether they(as they are now owners of that debt/obligations and hence ironically cannot produce that originally signed executed agreement which they can only hold an originally signed executed agreement if the O/C had produced it for them.It is interesting that all they HAVE given you is a 'copy of the original agreement'which according to Carey v Hsbc can be reconstituted from 'other sources' other than the originally signed executed agreement itself ...I have enclosed a copy of the original credit agreement for your perusal and will keep your account on hold for 14 days to allow you sufficient time to contact us to agree a suitable repayment plan.This can only satisfy information purposes only s78 requirements and is NOT proof of execution pursuant to s61 and is therefore subject to s127(3) for agreements made prior to April 4th 2007 or was it 2006...i am sure someone will correct me.

 

CPUTR 2008 should be used critically in the first instance to put them to the test that they confirm/deny that they hold or could provide at a later stage(court proceedings) the originally signed EXECUTED credit agreement.

 

If thy cannot then they can only use Mguffick v RBS( as the methods mentioned therein did not amount to enforcement but only 'a step' in bringing proceedings) to chase you for payments subject to OFT guidelines...but rely on your goodwill or ability to repay..if you cannot,then you cannot..but this would not end up in proceedings subject to the above.

 

I can see unless I am wrong that you have used CPUTR to that part of debt collection only (as implied from their response) and not to proof of execution as per s189

 

rgds

 

m2ae

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Get to jugular...ask if they have the originally signed EXECUTED credit agreement in their possession get them to confirm/deny using CPUTR 2008 misleading statements to debtors angle.

 

I want to see NATURE of response.

 

Take it step by step..put them on the back foot.As they are now the legal owners of your debt..I assume because of the assignment...their response to your request will show whether they ARE legal or just equitable owners.

 

report their responses on here and we go to next step.If you wish you should put this question strictly on another relevant thread.

 

here is the link

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?307385-CPUTR-2008-questions-and-advice....

 

I know that you are dealing with RED (Lowells) but the question is best put on the above thread

 

rgds

m2ae

Edited by means2anend
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Hello m2ae again, thanks for the info. once more.

So, i write asking to confirm or deny whether they have the legally signed executed CA? Sorry, didn't understand the second bit of the sentence, i assume i can look at some kind of a charter under CPUTR to determine whether they are misleading me from their response? Would i find the misleading statements section in the CPUTR charter? I must let you know that the 2 copies of the credit agreement they sent neither had signatures or dates on them.

Anyhow, i will go to the link you highlight and ask on there, see if i get any more response.

Thank you m2ae for your valuable time.

 

regards

lincs

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They can fulfill their obligations under s78 by sending copies 'reconstituted from other sources that would have existed at time of the 'execution per Carey, and do not have to provide signatures under Copies of Documents and Cancellation Notices Regulations 1983

That does not mean that it is proof of execuition per s61 and Carey

m2ae

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ok m2ae, i have sent a letter asking them whether they have the executed legally signed credit agreement, not sure what 'execution per Carey' means but i've sent a letter anyhow

 

thanks again

lincs

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