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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help needed with n244 form Capstone Eviction


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Hi, can somebody please help with filling out form n244 and whatever else is needed to prevent eviction (Early Jan 2010). I have a loan with Capstone/SPPL. Arrears charges and fees have accumulated, Capstone managed to get a suspended possesion order in early 2007, arrears currently around £2,000. Payment arrangements have been set up stopped and set up again, nothing in writing. Have received SAR. Total fees charged are over £4,800. FOS involved but things are moving quick with Capstone. Feel free to PM.

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Hi there, I can help you with the N244. Are you in a position to make payments towards the arrears each month on top of the normal monthly payment?

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Hi, yes can do, but paid over £900 in October to stop eviction. Demanded Nov payment + arrears by 1st otherwise eviction process would start all over again. Capstone have added legal costs £258 Litigation fee £115 Did not manage to make payment in Nov as had to catch up on other bills & mortgage. Seems catch 22 at present :mad: as still charging Litigation fee each month although payment arrangement was in place. Normal monthly payments are around £230. Have paid over £20,000 to them and now owe more than I started with. More to tell but would rather PM.

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hi , seems you are like most of us ,.. and it always seems to be the sub-prime lenders ,.. I would request the underwriters sheet also , this will help you work out what is what , your true arreas, and hopefully spot a secret commission ,which will hopefully void the contract and agreement ,.. so you would owe what you first borrowed minus all the payments and charges previously paid , they are loads of threads on this subject , good luck stay strong

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Hi sawyer

 

Ell-enn has offered assistance with the N244, take the offer. Ell-enn helped me just a while back when Capstone wanted to evict me.

 

You say that the arrears are about £2000 and that you have been charged about £4,800 in charges. This is typical of the way that Capstone operate and it is likely that charges make up a substantial part of the arrears.

You cannot be evicted for charges.

Your true arrears figure is the difference between the contractual mortgage payment due and the actual amounts paid. Do you have the records to calculate this?

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Hi Sawyer, I need some information before I can draft a statement for your N244.

 

Is the mortgage in joint names?

Do you have any children?

How much can you afford to pay towards the arrears in addition to the normal monthly payment?

 

You will need to send in a budget sheet with the N244 and I have affixed one to this post. When filling it in, make sure that the amount you are offering to pay towards the arrears each month in addition to the normal monthly payment, is the amount left over after everything else had been accounted for.

 

Ell-enn

Budget Sheet.xls

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Hi thanks for posting that, it had been posted elsewhere on here but is still important.

A couple of extracts:

 

  • in 2006, 8000 plus properties were in the 2nd collection category 'Ligation'.
  • Litigation Management Fees for 2006 will exceed £12M

:evil:

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Hi, affixed is the statement for Q.10 of the N244 form. You need to fill in the info where there are XXX's at the top (the info will be on the eviction warrant). When you print out the statement make sure your printer is set for A4 paper, not Letter size, so it all stays on one page.

 

On the budget sheet write the claim number on the top left hand corner and Appendix 1 on the top right hand corner. Do the same on all the FOS/Capstone correspondence, except it will be Appendix 2.

 

Assemble as follows:

 

N244 form

Statement

Budget sheet - Appendix 1

Letters etc - Appendix 2

 

Now take another 2 copies of all of the above and staple into 3 separate sets. Take one set to the court with the £35.00 fee - they will give you a date for the hearing while you are there. Keep the other two sets to take to the hearing. You really need to get it to the court this week as they will be closed for hearings over Xmas and New Year and you need a hearing when they open again 1st week in January.

 

These are the instructions for the rest of the form:

 

 

 

1. Your names

2. Tick Defendant

3. Suspension of eviction

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except We Believe

Sign and cross out all options except Applicant

11. Sign and cross out all options except Applicant. Enter your address and contact details.

 

Any questions, just shout.

 

Ell

Sawyer N244 statement.doc

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  • 2 weeks later...
hi , seems you are like most of us ,.. and it always seems to be the sub-prime lenders ,.. I would request the underwriters sheet also , this will help you work out what is what , your true arreas, and hopefully spot a secret commission ,which will hopefully void the contract and agreement ,.. so you would owe what you first borrowed minus all the payments and charges previously paid , they are loads of threads on this subject , good luck stay strong

 

Hi, can you give me some links to some of these threads please.

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Hi Ell-enn, I think I'm being remarkably stupid but I'm not sure how to begin a new thread! I'm particularly stressed at the moment so perhaps that's the reason... Anyway, I'm responding to your request to post in Repossessions. Our Mortgage Provider is Capstone/SPML and according to them we now have arrears of approximately £10,000 and they are seeking repossession on 15th January 2010. We have a suspension order since being taken to court by them in 2006. Since that time we have been making our monthly payments regularly plus £150 towards the arrears. However, my husband is self-employed and due to the recession and his main client becoming insolvent, he has not had very much income since May of this year. We struggled on using our savings, my meagre income as a foster carer and the small income generated by my husband, until September and since then we have been unable to pay. I have requested a full breakdown of all the payments we have made but we are still waiting to received this. We contacted the CAB who referred us to our LA Mortgage Rescue Scheme and someone came out to do an assessment and told us that we qualify for help from them. An appointment was made by them to see the financial adviser at the CAB to go through all the income and expenditure forms etc but unfortunately the first appointment with him is on 20th January - 5 days after our eviction is due. They advised us to complete form N244 and take it into the court together with a letter from them stating that we are going to be helped by the Mortgage Rescue Scheme. Due to the severe weather we were unable to make it to their offices before they closed for the Christmas holiday and as they are closed until 4th January, they promised to put the letter for the court in the post to us. It looks like it wasn't sent since it still hasn't arrived. We have a 9 year old foster daughter who has been with us for over 2 and a half years and is staying with us long term. I am also in receipt of higher component of DLA and I am due to go into hospital in January for a right knee replacement. My husband has got some work starting to come in and he has also applied for University Lecureships - he was requested to apply for one even though the closing date had passed and we are awaiting the outcome at the moment. I would appreciate any help in putting forward a strong case to the court for a hearing prior to the eviction.

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Hi, go here Repossessions - The Consumer Forums

 

at the top and bottom of the page there is a New Thread tab, click on it and it will open a new thread box for you. Copy what you have put in this thread into it.

 

I will then respond on the new thread :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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Hi, that's good news - well done :) Can you tell us a bit about the hearing please. Sharing experiences helps others in the same situation.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, house is now safe for the moment, arrears/charges etc rest on outcome of FOS complaint.

 

Well done :-)

 

Remember only deal with Capstone in WRITING.

They are the worst type of weasel, and watch out for the charges.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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can your property be put into recievership because of charges?

 

Q? Do you mean can a Receiver be appointed ander the Law of Property Act if the breach is unpaid charges?

A. Possibly, you need to look at your mortgage deed.

There are a number of threads about LPA Receivers.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Hi, that's good news - well done :) Can you tell us a bit about the hearing please. Sharing experiences helps others in the same situation.

 

Hi, OK a little about the hearing. Optima had appointed a local Solicitor to represent them, so that was maybe a good start and we had a chat in the interview room beforehand and repossession was not the first option. They were telephoned and rejected to my Income & Expenditure form as a previous one had more disposable income. I mentioned about the arrears being made up of charges and also about a missing payment not shown on statement. Another phone call was made and we went into court.

 

I informed the judge about the arrears being made up of charges and fees and also my complaint with the FOS. The fact of the missing payment, the excessive charges being added all the time, the statement not adding up, PPI added, the way that Repossession is the first option etc etc. Also mentioned about SPPL being insolvent showing the notice to note holders and mentioned according to the CIB that SPPL do not have the authority to do repros etc (I was told that this was irrelevant) I believe by now we had by far exceeded our 15 mins and the best outcome was to pay the £50 offered on top of monthly payment to clear the arrears pending the outcome with the FSO, as going through the courts would cost me a lot of money.

 

All in all I got the result I wanted and thankfully I had already lodged the complaint with the FOS. I guess the charges and fees will continue pushing up the arrears.

 

Some previous times in interview rooms with others have not been good to say the least. I remember one time with another lender and the chap representing them told me I had completely wasted his time as payment in full was made the day previous. He told me of some of his repros, one having reducing a young single parent mother in Brighton to tears and making her homeless the day previous. I also had a solicitor from a DCA that asked to see a certain piece of evidence and tried to keep hold of it…. How do these people sleep at night ?

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  • 2 weeks later...

Hi, more fees added to my arrears by SPPL, received their solicitors costs today of over £400 I take it this was for the court appearance earlier this month, this along with their legal fees before Christmas and £115 Litigation Fees etc have added around £1,000 in just a few months !!

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Hi Sawyer, seems like I am in your situation, going to court to get a date for suspension (hopefully) on Monday. How did you go about complaining to the FOS as my arrears total £3300 of which £1575 are charges. It makes me so mad as you make arrangements to pay these arrears and every month they add charges so the arrears can never clear!!!!!!

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