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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).
    • 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?  
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Had an interesting phone call off them tonight. They got my mobile number and I spoke to them on the phone tonight at home. They state they bought the debt in 2006 and that the interest was piling on hence why the balance is now so much. I told them that I know they are a con and that they would not be getting any money out of me until I have had a copy of the CCA. The man desperately tried for a further 20 minutes to get me to agree a payment with them to which I refused. I told them that I have a solicitor of my own and that when I get paperwork from them proving that I owe this money in the form of the CCA etc then I would not be paying. I also told him that I have reported them for ringing me constantly at work and he assured me that he would look into this and stop it from happening. He tried to be intimidating on the phone but I stood my ground and stated that I was prepared to go to court if that is what needed to be done. After 30 minutes he got the message and let me get off the phone. He did state though that I would have to pay it one way or another and that the interest will continue to go on making my bill go up etc. He said that they are well within their rights to refuse any offer I make and continue to put interest on.

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Well done for standing up to them, but please don't speak to them again. refuse to answer their security questions and then they can't speak to you.

 

They cannot add interest on a daily basis to your account so thats rubbish (unless a provision in the origional contract allows them to, which it won't).

 

Sorry to ask if you have already stated but did you say it's been 8 years since you last paid anything to this debt?

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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Agreed - well done but don't speak to them unless you can record the calls . They will say anything to you to get a payment and will just try and incease the number of calls. Just say 'in writing only' and hang up.

Please support CAG and they will support you.

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yep monument are now BC

 

they wont have any paperwork either as anything prior to 2005 got binned when they took them back under the BC wing.

 

monument would have charged your their stealth PPI [Payment Break Plan.]

the guy you need to contact is:

Mr Richard Heaysman

Customer Relations Manager

Monument Credit Card

Portland Building

25 The High Street

Crawley

West Sussex

RH101BG

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx

 

Is this the address that steph sends the SAR to? Is there a contact number or is it worth contacting BC? I don't know anything about Monument.

 

This could very well be Statute Barred if Steph has not had any contact with it for 8 years and it sounds like the data could be missing. If Steph cannot get the info, it is unlikely that HFO have it or can obtain an agreement

Please support CAG and they will support you.

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Formister - Yes I have not paid since 2005 as I presumed this had gone into my debt management and it would appear that HFO are saying this is not the case. They bought the debt in 2006 so they say...

 

coledog - I have been trying to find any paperwork with an account number but I cannot find anything at all. Would BC be able to tell me anything without an account number. I will have a look on the letter that HFO sent me and see whether it states an account number.

 

dx100uk - thanks for that address, I will drop them a line and see if they can shed any light on this

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The original account number should be on the HFO letter, if not they have even less information to go on. There should be an account number and an HFO Case number.

 

Can you find out if any payments were made to anyone under the DMP or they wrote to anyone? a debt is SB 6 years after the last missed payment or written acknowledgement of owing the debt (5 years if you reside in scotland). I would not believe any info HFO give you as they are very unlikely to have the full facts.

 

Count the days from HFO's receipt of the CCA request as you can put the account in dispute, no credit agreement should keep them quiet

 

I think I would still give Barclaycard a ring to see what they say about this.

Please support CAG and they will support you.

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  • 4 weeks later...

Hi all

 

Just a quick update on the situation. I have wrote to Barclaycard to ask about any information they have with Monument on this account and am still waiting on a reply.

 

HFO have sent me a further letter with still no CCA. The letter states that they intend to get an attachment of earnings from my employer since I refuse to speak to them on the phone. They attached a copy of e-series consumer view which all that shows is my address's for the past ten years.

 

On there though interestingly I saw something about a mail order catalogue in 2004. Should that still be on my credit rating from all those years. It doesn't state who it is though so cannot check it out. Also am not even sure what this consumer view thing is!!

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On the letter they state that they want payment of this within 3 days or they will apply for a warrant of execution and secure an order to obtain information etc and send bailiffs to my home to seize my assets.

 

The letter states that they intend to get an attachment of earnings from my employer
They are deliberately flouting OFT guidelines in the absence of a CCJ & you should make a complaint to Trading Standards & the OFT.
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hehe

 

usual tricks then...

 

yo'll get the google earth photo of your home in a letter next,

 

have you checked your cra file?

 

don't worry about that hfo letter

 

they cant do anything without going through the courts.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

More info:

 

I have had a letter today from HFO with a photocopy of of a declaration from my credit agreement. The credit agreement is signed 14.3.03 with Monument. They have sent me a copy of statements from 07.06.05 to 07.06.06. The amount I apparently owed on 7.6.05 was £1,477.76 and even though there are several payments from me at reduced rate by the last statement I went on to owe £1,944.97 with all the interest, defaults etc that had been added on. HFO are saying I owe £2614.02 and they want payment in 3 days or will apply to a court for a CCJ. The last payment made by me was 09.03.06 for £20.00. This obviously had been missed off my DMP at the time. The credit limit I ever had with them was for £1,500. I am gobsmacked to see that well over £1,000 has been added on in extra fees. I have read on the internet that I can use the term Limitation Act 1980 if it is 6 years since my last payment.

 

Has anyone heard of this or do I have to arrange to pay this whopping bill?

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They cannot add interest, as they did not comply with the Law of Property Act when they bought the account by sending you a notice of assignment. This is a straightforward fact.

 

Have they sent any copies of terms and conditions with the application form? Can you scan and post the form, with your personal details removed? If there are no T&Cs from the time of opening the account (as well as T&Cs from the time of termination) then they have not satisfied your CCA request and they CANNOT take legal action (enforcement) until they do (though they might try).

 

If they have not provided the T&Cs, we need to compose a dispute letter for you to send urgently.

 

Your SAR request should be imminent if HFO have managed to get the info...

 

But the debt is clearly not yet SB.

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I’m puzzled, steph. You went into a DMP but this wasn’t included? Any idea why not? Yet you were paying a reduced amount of £20 per month? How was this arranged?

 

Also, please, please phone Barclaycard as advised and ask the following:

 

1. Exactly when did BC sell this account

2. Exactly to whom did BC sell it

3. When was the last payment made by you to BC.

 

This is very important. Record the call if you can.

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They cannot add interest, as they did not comply with the Law of Property Act when they bought the account by sending you a notice of assignment. This is a straightforward fact.

 

Have they sent any copies of terms and conditions with the application form? Can you scan and post the form, with your personal details removed? If there are no T&Cs from the time of opening the account (as well as T&Cs from the time of termination) then they have not satisfied your CCA request and they CANNOT take legal action (enforcement) until they do (though they might try).

 

If they have not provided the T&Cs, we need to compose a dispute letter for you to send urgently.

 

Your SAR request should be imminent if HFO have managed to get the info...

 

But the debt is clearly not yet SB.

 

Here it is ......

doc 1.jpg

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I’m puzzled, steph. You went into a DMP but this wasn’t included? Any idea why not? Yet you were paying a reduced amount of £20 per month? How was this arranged?

 

Also, please, please phone Barclaycard as advised and ask the following:

 

1. Exactly when did BC sell this account

2. Exactly to whom did BC sell it

3. When was the last payment made by you to BC.

 

This is very important. Record the call if you can.

 

I have no idea why this was missed. It was so long ago. The only thing that I can think is that I must have agreed to this before the DMP.

 

The last payment showing on the statement is for £20 saying payment received on 9.3.06

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To be able to post links or images your post count must be 20 or greater. You currently have 14 posts.

 

Please remove links from your message, then you will be able to submit your post.

 

That is what it says when I try to put it here

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Upload the images to a hosting site such as tinypic and then send me the urls by PM & I'll post them up for you. ;)

 

Done thanks :-)

Edited by cerberusalert
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Suggest you block out your signature...

 

...but my first thoughts are ‘is that it’?

 

I’m struggling to read the important bit at the top right which refers to T&Cs – is your copy blurred here? This will tell us if T&Cs were supposedly attached or elsewhere, if present at all, and its content is vital to what you do next.

 

This is why getting a copy from the OC is also vital, to see if there has been any chicanery in making the important parts illegible. By law, it must be legible.

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