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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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HBOS card - CCA - NO Perscribed T&C's - now with lowlife.


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on fuether reading it says "alternatively instead of aplying for a CCJ we could (if your accounts meets certain critera) serve a statutory demand upon you and where you do not then repay petition for your bankruptcy"

 

Now, I know I haven't panicked much ovre the last few letters but am now thinking that they are thinking they actually can make this stick and do one of the above, surely if they knew what they have sent me wasnt enough to prove a true CCA, woouldn't they now back down a bit, I know most of them are idiots but if as you say, BB, I should report them, they will know they can be reported for this so are pretty sure they have a case, does this make any sense? or am I not understanding it properly?

 

Sorry for all the question, dont feel very well in my head at the mo, just trying to get things straight in my head

 

BB, you're the best, thanks very much

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The letters you receive, are designed to intimidate and exploit the debtors lack of knowledge, they are also printed by a computer, they have no human input whatsoever except the postie pushing it through your door.

 

They want you to think that they can do what they threaten as this often results in the alleged debtor being terrified enough to contact the DCA and either get abused over the phone and then forced into paying much more than they can comfortably afford to do so, or pay for a debt they are not liable for.

 

If this is from Red AKA Lowells, then there is nothing to worry about, the worst that can happen is they actually pull their finger out, spend some money and issue you with a court summons which can easily be defended.

 

Relax, enjoy the weekend, don't allow these pathetic fools ruin it.

 

Have you access to a scanner? If so, scan their puerile missive, delete ALL of your ID, bar codes ref numbers etc, and people will be able to highlight everything that is wrong with their tame empty threats.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Their greed and stupidity know no bounds. They are just trying to scare you into paying, and it looks like they are starting to have some effect. Trouble is they ignore the rules because they think they can get away with it. If enough people report them, the bodies that are supposed to keep them in check will eventually have to do what they get large amounts of public money to do, that is look after the consumer and stop pandering to these purveyors of misery.

 

As BB says do not worry, just report them.

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Hey Lamb,

 

I have a similar experience with a Halifax Credit Card which went through the merry-go-round of debt collectors.

 

I had the same type of agreement as you only it was a one page document with no prescribed terms and conditions whatsoever

Every time I wrote to Halifax or the relevant DCA, they just kept replying that as far as they wee concerned they had fulfilled their obligation and the debt was enforceable.

 

Considering I was at one point receiving monthly letters from a different DCA, all has been quiet now since October last year.

 

I know that this means nothing and that it could all start up again at any time however with help and support from the people on here, it will make a real difference to your case.

 

My thread is here, as it is similar to your situation and with the same company, I think you will find it of interest.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?187181-Halifax-Final-Decision-letter-received-please-Help

 

 

Best of luck mate and try not to let them get you down.

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Thanks for posting on my thread Sam, have read throgh yours and it makes interesting reading. I will keep an eye out for more updates.

Good luck mate. Don't know if it makes any difference but mine was orginally just through BOS not HBOS as it is now but I too had the letters from Blair Oliver Scott. I'm going to put together a letter of complaint, useing some of the things on your thread to see if that will keep them at bay. I havent slept all night and as a bloke, really shouldn't be saying this, but have shed tears. Its consuming me and I dont see a way out. I know the advice is right and I should remain strong and not panic but itss too hard. I am actually petriefied of attending court so am hoping it can be sorted before then

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Listen please, relax, court is the very last place these imbeciles want to go, they know full well that taking this to court will result in them being told by the Judge that they can only receive X amount per month, and in most cases it will be the token payment of £1 a month.

 

BOS is the Bank Of Scotland, so what you are receiving are letters from Halifax's computer, they have had NO human input apart from the postie pushing it through you letterbox.

 

Court is NOTHING to be scared of, it WILL be you who wins, IF it ever gets as far as court, and I guarantee 9 times out of 10, it Never does, because THEY are more afraid of court than you are.

 

You are playing right in to their grubby hands, believing what you are reading, they merely send out these puerile threat letters to intimidate, threaten and exploit your lack of knowledge in the hope that it will frighten you enough to pay money you either do not owe, or they have no right in collecting, and right now you are going to be one of their favourite customers!

 

There will be NO court, if there was any possibility of such a thing then it would have already happened, they would not have offered you the opportunity of defence.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Now I am guessing this letter from Red crossed in the post with my complaint but they have now decided to offer me a 30% reduction of the debt, meaning all I nned to pay is 70%. All well and good but I couldn't afford to pay the 30% discount never mind 70%.. But its got me to thinking, why are they offering me a reduction when they appear to think they have a case? Why not just go for the whole lot? Sounds a bit sneaky to me...........or will theu just say to the judge, "look we offered Mr Lamb a reduction but he wouldn;t even pay that". I think I know what I am thinking but will wait to see if others thhink the same before I make a fool of myself

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if anyone offers a discount that mean one of two things:

 

they have no enforceable paperwork

 

or

 

 

its all made of charges and/or PPI thaT can be reclaimed.

 

time to ignore them totally [or get reclaiming!]

 

they'll go nowhere near court ever!

 

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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Well going by my credit limit, (which I may have gone over) there must be approx £800-£1000 in charges approx. How can I claim charges when I dispute the debt? Sorry if I sound stupid.

 

I don't think they have a proper cca and such like, the document I've posted does not look like any ones I've seen on here whilst looking for one, its not got any T&C's etc at all

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Whatever you reclaim will go toward the outstanding balance, so if the charges and fees & interest cover the amount then the jobs a goodun!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The charges won't cover the balance, no where near I'm sorry to say.

 

Re: the "CCA" they have sent me, I don't think it will stand in a court, does anybody feel the same, there are no T&C's etc and the "CCA" doesn't even look like one. Am I right in assuming *please God* that becuase they have offered me this discount, they know it will not stand up in court?

 

Should I reply to this offer?

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Without sight of the documents they sent you it would be very difficult to advise.

 

Have a read through this first http://www.consumeractiongroup.co.uk/forum/showthread.php?162851-Consumer-Credit-Agreements-a-guide-to-enforceability

 

And NO, I would'nt accept their offer!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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When did you take this out? 5th Dec 2001??

 

Is that ALL they have sent you regarding this account?

 

Did you sign for that PPI also? If so reclaim ALL of that, along with the charges, IMO they have not got a leg to stand on, that falls way short of anything enforceable in court to prove you owe them anything.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes, thats it BB, hadn't thought about the PPI, will check about that.

It was taken out no later than 2003, I think 2002 but made reduced payments up until 2007 so not SB.

They also sent me statements, does this matter?

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

another letter from Lowells

 

thank you for your recent communication, the details of which have been duly noted

 

please be advised that this matter has previously been reffered to the original creditor and you have been advised of their response

 

HBOs plc categorically state they have complied with your reqyest for a CA under the CC Act 1974

 

You are the registered account holder and you are liable for the outstanding balance in full. We are therefore entitled to pusue you for the monies owed

 

As owenership of the debt has now been passed to ourseleves we are not constrained by the T&C's of the account and have a greater degree of flexibility when seeking a resolution

 

in order to bring the matter to a close we would consider a proposal to settle at a lower figure based on a more affordable amount

 

we have placed your account on hold for 14 days to allow you to consider this and look forward to receiving your proposal in due course

 

Any thoughts?

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hehe

good they played their card then

what a load of BS

 

the 'we will offer a discount'

is the clinchers here.

 

and the stupid line

 

As owenership of the debt has now been passed to ourseleves we are not constrained by the T&C's of the account and have a greater degree of flexibility when seeking a resolution

 

time to ignore them now.

 

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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well not the fact that they are offering a 'discount'

 

its the reasons behind it..

 

usually three:

 

it's statute barred [ and they know it]

their are paperwork errors that render it un-en in court

the debt is mainly made of unlawful charges &/or PPI, so thus they wont got to court because of a risk of counter claim.

 

bang...ouch..

 

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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well not the fact that they are offering a 'discount'

 

its the reasons behind it..

 

usually three:

 

it's statute barred [ and they know it]

their are paperwork errors that render it un-en in court

the debt is mainly made of unlawful charges &/or PPI, so thus they wont got to court because of a risk of counter claim.

 

bang...ouch..

 

dx

 

well, its not statue barred, not much charges/PPi so I'm guessing itss their paperwork? no T&C's etc?

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well, its not statue barred, not much charges/PPi so I'm guessing itss their paperwork? no T&C's etc?

 

Soory, just trying to sort it out in my head, thanks for replying. When I saw the "agreement", I must admit I thought this can't be right! It doesn't look like one I have EVER seen before

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