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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi, i took out 3 payday loans when we were struggling, i know i shouldn't have. I didn't tell my partner and i need to. I owe

 

payday express £400

QQ £750

Wonga £700

 

I have rolled all 3 over this week so i have a month to sort it out. I can pay payday express off in May. I can then offer QQ and Wonga £150 each per month to clear the debt. I have changed my card with Wonga to my old account but how do i do this with QQ do i just cancel my bank card.

 

Any advice in what i do next as i have no idea

 

thank you

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Cancel all bank cards and wait for new ones to be sent out.

 

Forget rolling over the accounts, it just adds more interest and charges to the account.

 

Write to each of the lenders offering what you can afford. If £150 per month is affordable then offer that. If £20 per month is practical for the long term then offer that.

 

They are difficult companies to cope with at times but stay strong. Log every call/letter/email.

 

Eventually they accept monthly payments.

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Thank you, do i email them now or once i default on payments. I just want them paid off so can afford £150 a month to each and pay payday express off in May.

 

Well that's what you write to them then. Ask them to remove all default charges first and use the term "full and final settlement". Ensure that you receive acknowledgement of the terms in writing and then just pay them in time.

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Well that's what you write to them then. Ask them to remove all default charges first and use the term "full and final settlement". Ensure that you receive acknowledgement of the terms in writing and then just pay them in time.

 

thanks, i have cancelled my bank card so waiting on a new one to arrive but i have changed card details with QQ and Wonga to a seperate account i have so will use that to pay them

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Its better if you pay them by standing order otherwise they can help themselves to your money at any time if they have card details for different account and they WILL. Dont give anyt card details to anyone, Get their bank details and set up standing order to be safe.

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DO NOT OFFER 150 POUNDS A MONTH REPAYMENT !!!!!!!

 

that is less than the differ roll over amount , they will make you roll over.

 

Offer 50, no more, then they know you cant afford the roll over charge. Never offer the roll over charge as monthly repayment, they wont accept it, and make you differ. If you were really struggling how come you can pay more than the differ charge is how they see it, bad move.

 

Offer 50, 50 a month, 12 months =700, thats wonga. worked for me . And it leaves you with a bit more to live.

 

2 main rules

 

1- Dont struggle just to pay them

2- Dont stress, its only money.

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They may try and get it by direct debit. I dont think they can get it from your card now.

 

When I cancelled my card, Wage day advance set up a direct debit on my bank account without my permission but when queried they argued I gave them permission when I signed agreement- (small print)

 

Just watch your account and check no direct debits are set up- you can do this online and cancel it straight away

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Might be a plan.

 

Make sure you write a letter removing permission to access your bank account. No amount of small print makes up for a refusal to process that information for their own end.

 

Even if they do try and set up a D/D, just keep an eye on your account and ask your bank to return it in error. They'll soon get fed up.

 

But to answer earlier, no they cannot take money from a cancelled card.

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Payday express have said if no payment they will add on a charge of £85 to the balance of £400 and interest. If then no payment by middle of may they will pass on to a debt collector. So i re sent my email stating i will repay the loan in May minus the extra interest and charges and the 2 x £80 defer amounts and asked for the bank details again. I can pay them off in May but minus the charges etc, would think they would accept the £240 to clear it.Do i need to do anything else.

 

Thanks

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Morning. They have given me the bank details but have said the £240 does not cover the loan amount and they will continue collections for the remainder amount plus the charges.

 

Well the charges are not recoverable. So they can kiss goodbye to those.

 

At this stage I would be writing an "in dispute" letter meaning that they have to suspend collections activity and get a full balance sheet of all transactions since the inception of the account. You can then post here the full history of the account and get advice on payment terms consummate with decency and fairness.

 

You're being ripped off my friend and I think you already know that. I've PM'ed an experienced CAGGER to have a look in.

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I don't really. The £400 is due on the 21st April but i was going to pay it off in May but without what i have paid already. Then the email i got said charges and interest will continue to be added

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This was used in a recent defence I have seen. Essentially where a default charge is applied it tends to be a penalty rather than genuine compensation for time spent.

 

9. Numerous cases throughout the 20th century have upheld and reinforced the principles set down by Lord Dunedin defining contractual penalty clauses and the unenforceability thereof. For example, in Murray v Leisureplay [2005] EWCA Civ 963, it was held that a contractual party can only recover damages for an actual loss or liquidated losses.

 

10. In addition, Lord Dunedin in the case of Dunlop Pneumatic Tyre Co v New Garage & Motor Co [1915] AC 79 set down a number of principles in definition of a penalty clause and how such clause may be ascertained from a liquidated damages clause. These principles include –

 

“It will be held to be a penalty if the sum stipulated for is extravagant and unconscionable in amount in comparison with the greater loss that could conceivably be proved to have followed from the breach and;

 

The essence of a penalty is a payment of money stipulated as in-terrorem of the offending part; the essence of liquidated damages is a genuine covenanted pre-estimate of damage”

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Okay what you need to do is get another bank account to stop them raiding your funds, they will do this continually until they get what they think they are owed. Legally this is a grey area and the OFT have reminded various payday loan companies NOT to dip into accounts. A complaint to the OFT on their website and to Trading Standards via Consumer Direct is in order.

 

The Halifax online Easycash account is a good option, so is the Co-op. Once you have this done you can get your income transferred into it and start to take back control of your finances.

 

The golden rule for these loans is the original sum plus one months interest - mostly due to the high interest rates they charge - the interest rate would be questioned in court, as would the default fees, additional interest and the fact that they do not want to do an arrangement which is acceptable to both parties. Under the OFT rules they are obliged to listen to their customers when they are in difficulties.

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I see, thanks. So the charge is just added because the payment is late.

 

I've given them plenty of notice and said i will pay in May but they want all charges paid. I also need to tell my husband and i am scared. My own fault really.

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I see, thanks. So the charge is just added because the payment is late.

 

I've given them plenty of notice and said i will pay in May but they want all charges paid. I also need to tell my husband and i am scared. My own fault really.

 

Just be honest about why you took out the loan, he might be more understanding than you think. But do not struggle to pay this back. It can be arranged over the long term. I have recently negotiated a £300 payday loan to be paid back for a client over 3 years. So it can be done.

 

You've made a mistake, you'll pay it back but you do not have to suffer. It's just money.

 

The charges situation; you have it right. They charge you £12 (or whatever it is) simply for paying late. Does it cost them £12 for when you pay late? Does it cost £12 to send an automatically generated letter to you? Of course it doesn't. That's why it is a penalty.

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