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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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Pay Day Loan Hell- about to take plunge and default


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Hello All

I have been lurking for a long time and i am just about to take the step to getting my life back,i have got myself into a never ending hell over the last 18 months with several pay day loans and was looking to pay them all off in february but my employer decided not to pay any bonuses this year which has left me in a serious situation i have the following loans

 

Microlend-£2500

Wonga-£1000

QuickQuid-£1000

WageDayAdvance-£600

CapitalFinanceOne-£600

PayDayUk-£675

 

most of these i have had for over 12 months

 

so im gonna need your help to get me through these..

 

first question is do i default first and then start emailing or email before i default

 

i get paid 25th and pay these on 25th

 

i already have a new account so they wont be able to get hold of the money

 

my biggest concerd is david at microlend even though i have a good relationship with him i see they arent very good to deal with

 

so please bare with me and i appreciate all help on this

 

nathan

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Hi there and good on you for starting to take control...they are sharks and can see from the sum s they are lending you that youve been rolling these loans over and over. As you ve done the best thng and made your money safe, have you closed the old one ? if not you need to or if there is an overdraft report card stolen and direct debits. If your completely safe then put together an email before default day stressing your financial hardship and put what you can afford to repay and dont be bullied into parting with a penny more. Ask for charges and interest to stop to help you repay this debt and repay them by standing order only. Keep us posted

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Contact all now, advise them of the situation. Most will not want to play ball to start with.

email wonga, send email to these 3addresses [email protected] and [email protected] and j[email protected].

 

You should get an email back, most likely asking you to call. Call and explain you recieved the email and they will set up plan.

 

Most prefer 3mths, some will accept 6, plead your case you might get 12.

 

Even if they wont accept, adv debt plus 1mths intrest, request sort code acc number and reference number, and make payments.

Makes it harder for them to take you to court.... as you are payng and they are being unreasonable.

 

Remember balance + 1mths interest. no more.

 

Good Luck and say Hello to Life....... a good friend.

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I have sent all emails this morning using a template i found on the forums

 

i have just recieved this email back from Quick Quid

 

Dear Nathan Clark,

Customer

 

We received your email regarding your loan balance and your situation has been noted. Unfortunately, we are not able to setup any arrangements on your current balance as it is not due yet. Please not you have an arrangement setup for your default balance of 157.20 on 31/03/2011. Please note, if you can payment your default balance today, you would be able to request an extension on your current balance.

 

If you have any queries, our Collections Department is here to help.

 

QuickQuid Collections Department

Direct Line: 0808 234 4561

Fax: 0808 101 1381

[email protected]

www.QuickQuid.co.uk

 

This means nothing other than pay this months interest and then request an extension...should i wait till the 31/3 and not pay so that im in default then resend?

 

i will keep you updated on the others

 

with regard to Microlend i dont know what to do as after reading the forum it looks like they are the only one that will go to court and get a ccj then do an AOE which i cant afford them to do.Should i keep paying them and try and reduce the balance each month any advice would be much appreciated

 

thanks again all

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Ok take all the figures of each company and work out what is owed with 1additonal mths interest (pay no more than this). Request their sort code and acc number... with reference number.

Keep bombarding them with emails asking them to accept a plan. Having to wait til you default is Blarney.

Work out a resonable monthly payment and pay it through a bill payment from your bank acc.

The fact you are now making a payment to them, makes it near impossible for them to take further action, as taking you to court would be foolish as your paying a 'reasonable' amount.

Eventually they will have to accept.

They have still harrass and hound.

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Yes, with regards to the amount of times you have rolled over the loans you need to work out the repayments as suggested above. One way of doign it is 'snowballing' where you pay the smallest loan off completely, then put the rest in a 'pot' and pay them token payments, then the next loan is paid off the following month, after three months you will have repaid three loans and be in a better position to renegotiate.

 

Otherwise contact one of the free services where you go into a Debt Management Plan and get their help - Payday companies don't like negotiating with them but sometimes it is the only way out of the trap.

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a second email from Quick Quid already saying absolutely nothing..i replied stating that my previous email explains that i need to set up a payment plan

 

Dear Nathan Clark,

Customer

 

We received your email regarding your loan balance and your recall the last message resending your payment plan. Our records indicate that you have a scheduled payment of £157.20 due on 31/03/2011. This arrangement cannot be cancelled, changed, altered, or stopped. Please keep in mind that you also have a current balance that will be due 25/03/2011 for £1212.50.

 

 

If you have any queries, our Collections Department is here to help.

 

QuickQuid Collections Department

Direct Line: 0808 234 4561

Fax: 0808 101 1381

[email protected]

www.QuickQuid.co.uk

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Just keep sending the email back, now put in the email that you have now closed that account, and to protect the repayment plans you have already agreed you require paying in details (sort code/acc number/ref number) so you can make payment. Adv them you will not be divulging your bank details to them.

 

Keep sending this everyday until they give the details... they will eventually.

 

If payday loans is your only debt/worry at the moment, you can do this yourself. Plenty of people on here will help. And when you get it sorted, and you done it yourself, and can feel proud you tackled the problem yourself.

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Just recieved this from Capital Finance One

 

threatening to call and email me every day and add charges

 

Good Morning

 

Thank you for your E-mail. Unfortunately as your loan is not actually in default at present there is not a lot at the moment that we can do in Relation to your account, I must however advise you of your options and also the consequences of payment not being made. You will have the option to defer your payment by making the Interest payment on your due date, this will then defer your loan until your following pay date. By doing this it means that the account will not be in default and will also save you a large amount of fines and fees on the account. If you do default as per your contract fines and fees will be applied to the account until the balance is settled in Full. You will also receive daily calls/texts and E mails chasing the Debt. After a period of 33 days of being in default the debt will be passed to our door to door collections team. They charge their own fee which for the debt recovery which you will be eligible for paying. We suggest therefore that you try and at least make the interest payment to defer the loan to avoid this. We can also take a payment from your debit/credit card or if needed from someone else credit/debit card who may wish to pay on your behalf.

 

Please advice

 

Kind Regards

Capital Info

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Sending these letter by recorded delivery might be helpful, you might want touch them up to your requirements

 

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

There is a letter doing the rounds on here to request contact by letter only, but this one is for telephone text harrasment....

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

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QQ wont accept unless over 3 months so you wont be paying them until it goes to a DCA, but i would still keep whatever you offer them on the side.

WDA - they would accept 5 months without hassle if you can do it.

CFO - 6 month plan would probably work for them, but not to sure as not much experience

PDUK - really easy to deal with in my own personal experience, they would probably accept 12 months plan.

MICROLEND - it's a sore topic, i had an AOE from them, but i have learned from my mistakes

WONGA - would bite your hand off for 12 month plan.

 

let us know how they go, dont ignore but be firm with your offers. most of the above will at the worst sell the debt to a DCA who will accept your offer easily, mainly QQ and perhaps wonga but if you email erroll (above) they normally get back to you.

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Hi

 

Reading your post its as if i wrote it myself, I too am about to default on paying pay day loans, after months of paying deferral charges I have reached a stage where I can no longer do it, 5 of the 6 lenders you mentioned are the same ones Im in debt to, I have cancelled my card and moved my money into a savings account. I just joined this site and some of the advise i have read has been extremely helpful. I just want to ask if anyone has got into a debt management plan with a company , are they helpful, or will they take my money while the loan companies continue to put charges on my loans, so it will just increase the pressure rather than solve things.

 

Ali

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hello all well today is default day so i have resent all my emails this morning i only have the following reply from quickquid they have offered me a repayment over 6 months which is shorter than i wanted should i hold out and see if they can extend further to make the payments easier each month.What have your experiences been

 

thanks

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hello all well today is default day so i have resent all my emails this morning i only have the following reply from quickquid they have offered me a repayment over 6 months which is shorter than i wanted should i hold out and see if they can extend further to make the payments easier each month.What have your experiences been

 

thanks

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i have just recieved this from wonga

 

Dear Nathan,

 

 

Thanks for your email.

 

I can confirm that we will be able to set up a 12 month repayment programme with £106.93 being paid each month.

 

Please can you contact the number provided below so that we can set up a start date and also supply you with the banking details.

 

 

 

 

Kind regards,

 

 

Collections Department

0844 842 9109

Wonga.com

 

this is great news

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When it cae to default day with me, the companies while maybe getting money by other means will still try your card numerous times. each month i even get textes from LENDUK saying im in arrears until the get their arses into gear and look in their suspense accounts, at which point they find the payment......

 

So even though your on plans still be prepared for the fone calls.

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