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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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welcome finance settlement offers


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Hi, my name is Michael and I was just wondering if anyone could help me. A few weeks ago I came into some money and decided to put in an offer to welcome finance for £3500 (my total I owe them is £6950), so thought this was a good offer. A few days after I had wrote to them They phoned me and said that unfortunately they are no longer able to accept offers other then full payment as of November 2010, although he said that this was a good offer. The thing is I have read a lot of blogs on welcome and have seen that people have been made offers.

Was just wondering if anyone has received offers from welcome or have any advice on what I can do to get them to accept this offer.

Thanks

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Hi, my name is Michael and I was just wondering if anyone could help me. A few weeks ago I came into some money and decided to put in an offer to welcome finance for £3500 (my total I owe them is £6950), so thought this was a good offer. A few days after I had wrote to them They phoned me and said that unfortunately they are no longer able to accept offers other then full payment as of November 2010, although he said that this was a good offer. The thing is I have read a lot of blogs on welcome and have seen that people have been made offers.

Was just wondering if anyone has received offers from welcome or have any advice on what I can do to get them to accept this offer.

Thanks

 

Im guessing it depends on the branch , my account is in good order but I am getting offers of discounts on this account from my local branch although it's pretty poor at about 15-20% whereas I would prefer 50-60%.Im in the same boat have the money but am not going to pay them, as Welcome are in default it's likely the accounts may get shipped elsewhere and perhaps get a better discount offer from the new account holder.My advice is dont bother speaking to them on the phone write with an offer to the local branch and head office, go for broke say 60-70% and see what they come back with.I honestly think the longer I hold out the more chance I will get on a better discount.Is this a HP loan or just a personal loan ?

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For what its worth, when I got my SAR reply there were two letters for an offer of settlement that were never sent to me. The were both dated the same day and took the exact format etc. One was to settle 35% off the balance and the other for 65% off the balance. I never asked for a settlement amount nor did they ever send the letters. However it appears that they were considering making me an offer. I dont know if they intended to include those letters in the SAR or not, but I found it interesting to say the least.

 

Make an offer of say 10p on the pound and see what they say. You have nothing to lose. Who knows they might just accept it. Start very low though. If they dont accept put the money aside for a rainy day. :)

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

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Any letters you send to Welcome should be by recorded delivery otherwise they will simply say they never got them. Don't expect a reply from your branch - apparently branch employees are not allowed to write letters (not sure if it's because they're incapable of constructing a letter ).

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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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Any letters you send to Welcome should be by recorded delivery otherwise they will simply say they never got them. Don't expect a reply from your branch - apparently branch employees are not allowed to write letters (not sure if it's because they're incapable of constructing a letter ).

 

Lol...they have snapped all their crayons....I agree everything recorded dont trust these guys no matter how nice they are on the phone..play it savvy and I reckon you will get a big chunk off..

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Are you still paying your monthly bill.

Mine is a personal loan

 

I am still paying only because it's a HP loan on a car and I am in the process of VT therefore need to avoid a default.I can afford the monthly payment , but my Manager lied to me saying I still owed xx amount and not to VT or VS car which is bull , he wanted me to sell car leaving me with more to pay .Basically what I am saying is Welcome are desperate for cash , also the whole PPI fiasco with FSCS is gonna hit them hard...therfore in my opionion you should be a cheeky bugger and go for broke..offer them something stupid.Thats just my opinion and I would speak to head office first not the branch monkeys..

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Hi, sorry for butting in. I spoke to my local branch and the customer complaints manager at Nottingham and they have all told me that they will not be reducing any settlement offers.

 

I also have the money and my account is in superb order, they all told me that because of Welcome's financial situation there is no way they can offer discounts on settlement figures and you basically get exactly what your entitled to. For me, it was a measly £200 on and outstanding amount of £4242. I have already paid thm over £7k on a 12k loan.

 

Yesterday I emailed Margaret Youngs CEO, I spoke to her PA and he forwarded my mail on.

 

I even considering defaulting on the payments just to get them to offer me a better reduction.

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Hi, sorry for butting in. I spoke to my local branch and the customer complaints manager at Nottingham and they have all told me that they will not be reducing any settlement offers.

 

I also have the money and my account is in superb order, they all told me that because of Welcome's financial situation there is no way they can offer discounts on settlement figures and you basically get exactly what your entitled to. For me, it was a measly £200 on and outstanding amount of £4242. I have already paid thm over £7k on a 12k loan.

 

Yesterday I emailed Margaret Youngs CEO, I spoke to her PA and he forwarded my mail on.

 

I even considering defaulting on the payments just to get them to offer me a better reduction.

 

I have heard people say about defaulting to try and get a better offer then again thats not an option for me due to my work situation and security clearence.Im not in a position to recommend you do that but if you do be prepared to be harrassed on a daily basis with rude and threating calls.Welcome told you they cannot offer reduced settlements then contradict themselves by offering you £200.My guess Welcome probably could reduce it but those with up to date accounts are worth keeping for the future I suspect depending on Welcome's situation.They will probably sell on these accounts to grab what final money they can get as I am sure Welcome and Shopacheck are to be disbanded with the new restructuring of Cattles..I have lied to my account manager telling him possible job loss or a sudden windfall coming and have been offered about 2-3K off my balance so it does depend on the branch.It all depends if you can hang on a little longer to see where Welcome is going..Im also gunning for charges and PPi on a previous loan so hopefully get some money returned this way.

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Hi there were did you find margaret young ceo email or address Ive been looking for the ceo for a while now and have no luck

If you still have her email or address could I have it please

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Well I told them I had redundancy (lie) and that I was 6 months pregnant (truth). Still not interested what so ever!!! I don't think it's wise to default either but they are so annoying and very much so taking the p1ss out of us.

 

I sent my email to [email protected] he then passed it onto high level complaints rather than the monkeys in Nottingham.

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I had a letter about my complaint this morning, usual BS about looking into it. What made me chuckle is the fact that it was sent on plain paper!! Are things that dire with welcome now that they cannot afford headed paper.

 

Also there was a paragraph at the bottom of the paper telling me that should I have any questions to ring the following number...... What number would that be??? I have no idea as they didnt type it in! Shoddy is what I thought.

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I had a letter about my complaint this morning, usual BS about looking into it. What made me chuckle is the fact that it was sent on plain paper!! Are things that dire with welcome now that they cannot afford headed paper.

 

Also there was a paragraph at the bottom of the paper telling me that should I have any questions to ring the following number...... What number would that be??? I have no idea as they didnt type it in! Shoddy is what I thought.

 

I've had the same. But mine was on recycled paper! :)

 

I imagine with all the complaints, they've used up there stock of headed paper and can afford to order more...and why would they when they will soon be no more anyway? My lettters often are missing dates, numbers and enclosures. Its a circus!

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

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I had a call from my local branch on Friday, regarding my letter of complaint. They too have rejected my complaint and told to to basically pay what I have been quoted.IF ANYONE ON HERE HAS HAD OFFERED FROM THEIR LOCAL BRANCES OF DISCOUNT RECEINTLY....PLEASE CAN YOU HELP AND PROVIDE ME WITH AS MUCH INFRMATION AS POSSIBLE AS i WANT TO TAKE THIS TO THE FOS.The FOS will charge welcome £500 for every case they look at regardless if they uphold the customers complaint or they go in the favor of welcome...no matter if everyone complians to the FOS then all these £500 charges will start making them think, especially in the finacial situation they are in.

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I had a call from my local branch on Friday, regarding my letter of complaint. They too have rejected my complaint and told to to basically pay what I have been quoted.IF ANYONE ON HERE HAS HAD OFFERED FROM THEIR LOCAL BRANCES OF DISCOUNT RECEINTLY....PLEASE CAN YOU HELP AND PROVIDE ME WITH AS MUCH INFRMATION AS POSSIBLE AS i WANT TO TAKE THIS TO THE FOS.The FOS will charge welcome £500 for every case they look at regardless if they uphold the customers complaint or they go in the favor of welcome...no matter if everyone complians to the FOS then all these £500 charges will start making them think, especially in the finacial situation they are in.

 

Dont want to appear negative here but not sure what compaint FOS can uphold on your behalf.I could be wrong here but it is up to Welcome to decide on a reduced settlement figure not a clause for example of consumer law.It is at the discretion of each individual company to offer a reduced balance or settlement so Im not sure what FOS can threaten Welcome with in this respect.

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I am not complaining to the fos about my settlement figure, well I am but it's only to make them have a charge of £500 and if everyone did this and welcome had more and more charges then maybe they would start re thinking this no settlement discount thing they have ongoing.

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Don't bother write letter as they have to investigate it then and take on the complaint. Pain in the arse I know but at least it will make welcome wake up when these charges start taking effect straight away.....Awwwww shame

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