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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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      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.

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False claim made against me - now car insurance premium increased


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Some months ago, I was accussed of hitting another vehicle when I quite clearly didn't.

 

I informed my insurance company of the situation and warned them that I felt it was a [problem].

 

The third party came back with a witness statement which I disputed. I didn't hear anything more on the subject until my husband had to make an amendment to his car insurance and was told that the additional driver (me) was showing on the motor insurance database as being involved in an accident so the premium would be going up. I was shocked and phoned my insurance company to find out why this accident was showing on the database when as far as I was concerned the case was closed.

 

They told me the TP had been in touch with another witness coming forward and so my insurer had to keep the case open however, they hadn't heard from the TP for a while so they said they would contact them to see if they still wanted to go ahead with the claim. My insurer told me if they did not hear from the TP within the next 6 months, they would close the case and the record would be taken off the motor insurance database. They said either way, whether or not they heard from the TP, they would let me know.

 

Well, more than 6 months has passed and so I assumed the claim had been dropped until.....today I receive a renewal reminder showing that I had a fault accident last year and my premium is now 3 times what it was last year!!

 

I have yet to speak with my insurance company but it seems that they have paid up to the TP and not informed me. Are they allowed to do this? Do I not have a right to fight my case? I informed the police about the incident and told them I felt it was a [problem].

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I posted this thread in the Transport forum but now I'm thinking maybe it should belong here.

 

Some months ago, I was accussed of hitting another vehicle when I quite clearly didn't.

 

I informed my insurance company of the situation and warned them that I felt it was a [problem].

 

The third party came back with a witness statement which I disputed. I didn't hear anything more on the subject until my husband had to make an
amendment
link3.gif
to his car insurance and was told that the additional driver (me) was showing on the
motor insurance
link3.gif
database as being involved in an accident so the premium would be going up. I was shocked and phoned my insurance company to find out why this accident was showing on the database when as far as I was concerned the case was closed.

 

They told me the TP had been in touch with another witness coming forward and so my insurer had to keep the case open however, they hadn't heard from the TP for a while so they said they would contact them to see if they still wanted to go ahead with the claim. My insurer told me if they did not hear from the TP within the next 6 months, they would close the case and the record would be taken off the motor insurance database. They said either way, whether or not they heard from the TP, they would let me know.

 

Well, more than 6 months has passed and so I assumed the claim had been dropped until.....today I receive a renewal reminder showing that I had a fault accident last year and my premium is now 3 times what it was last year!!

 

I have yet to speak with my insurance company but it seems that they have paid up to the TP and not informed me. Are they allowed to do this? Do I not have a right to fight my case? I informed the police about the incident and told them I felt it was a [problem]. Surely, the fact that I think the TP driver is up to some kind of fraud and the police have been informed should mean that my insurance company should be investigating this further rather than giving up and paying the TP without my consent?

 

Could I send a Subject Access Request to my insurance company to ask for all the information they hold about this accident?

 

 

 

 

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Under the terms of the policy, you delegate decisions over liability to your Insurers. This effectively gives them the final say over the matter and you can argue as much as you want, but it is unlikely to change anything.

 

You can of course make a subject access request to your Insurers, asking for all information held regarding the claim to be provided. They can blank out names and addressess of the third party, their witnesses , plus any other third party data that cannot be released with their authority.

 

Once you have the SAR info, what would you do with it ? Are you seriously thinking of taking legal action directly against the third party ? That is what you would have to do, if you wanted to reverse the position. You can of course use the SAR info to make a complaint with your Insurers and see where it goes, however, you might find that frustrating.

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Hi Uncle B,

Thanks for your advice.

 

No there is no point in taking the TP to court over this as we all know the British justice system doesn't work for the victims so I'm not going to waste any time and money (after all, I now need all the money I can get to pay the increased premium!).

 

I do think it's disgraceful that insurers can make the decision themselves without any thought for the policy holder/victim.

 

I would like to make the SAR so that I can complain to the insurer and then to their governing body who I believe is the FSA. I'm sure I won't get anywhere with it in the way of compensation but at least I will get things off my chest and be contented that the insurer has a black mark against their name (people don't complain enough in this country anymore, that's why these companies continnue to rip us off....we should all stand up to them).

 

I'd also like to see when this incident was recorded on the Motor Insurance Database and hopefully the SAR will tell me that.

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I do think it's disgraceful that insurers can make the decision themselves without any thought for the policy holder/victim.

It's doubly disgraceful that they can do so when they've been informed upfront it's a suspected insurance fraud. .

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You need to contact insurance co. to get all the details first

did you make a statement regarding the incident at the time you reported to your insurers. and you denied resonsibility.

If not then they should have contacted you before settling, they have a duty to look after your interests. How much was the claim for.

However they can and do settle on your behalf if they have substantial evidence that it was your fault ( although sometimes fraudulent ).

They settle quickly to limit time and costs on any protracted litigation, again if evidence so dictates.

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  • 2 weeks later...

My car insurance is due for renewal soon and a few months ago another driver tried to make an accident claim against me. This is not yet resolved as I am disputing their claim, however this is not going to be settled either way until after my insurance renewal.

 

Am I supposed to declare this as an accident when I get insurance quotes or not? It's in dispute so it may not definately show against my record.

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Did you not inform your insurance co. at the time?, should of even it was just a notification and no action on their behalf was needed. Then they would either take that into account or not at renewal.

These things can get out of hand and may end up in court if they are claiming through their insurance co.

So if another insurance co is aware of it and you dont declare it, yours may find out as they share info. which may invalidate your insurance.

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Yes, I informed my insurance company but this claim has never been resolved.

As far as I am concerned the third party is making a fraudulent claim as I did not hit his vehicle, even though he's claiming I've made £1200 worth of damage! It's not fair that this claim is hanging over me and making my renewal premium higher when my insurance company hasn't even paid up to the 3rd party or admitted liability on my behalf.

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unfortunately these things take time to resolve. I am sure your insurance co are not going to entertain a fraudulent or ridiculous claim, but until resolved so there is no libility it will remain as a potential claim. Just keep chasing them for a decision.

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  • 3 months later...

Hi, I am disputing a claim made against me for a car accident whereby the third party alleges I hit and damaged their vehicle. I didn't hit it and I am sticking to my guns and disputing it because as far as I am concerned the third party is making a fraudulent claim.

Now should this go to court and I lose, would I be responsible for paying court costs or should my insurer be covering them?

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If your policy includes legal cover then I would think the insurance company should be responsible. Double check your policy though, Legal cover is sometimes an optional extra that you might not have paid for.

 

Hi maxi, yes I paid for legal cover but my insurer is telling me that if I lost they would pay the third party repair costs but I would have to pay the court costs.....I thought legal cover was there to cover court costs?

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This is not a "legal insurance" issue, that's a different policy altogether.

All motor insurance has an element of legal cover for third party cover, your insurers are possibly doubtful of the outcome - they have to work on hard facts and if it's a case of your word against the others with no idependent witness or expert evidence, there is a 50/50 they (you) won't win, so possibly they won't want to take this to court if the amount is a relatively small amount, hence them giving you a pretty useless answer.

They are there to cover you for this, but ultimately they have the option if they choose to cover you by going to court or pay out.

If the insurer gets you to pay if you loose is a strange one, whilst their saying this to potentially put you off, should you loose, for them to then accept the risk and chase you back would be pretty bad practice.

If your confident go for it, that's my advice.

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