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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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      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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Hi Ganymede

 

I never mind anybody correcting me if I'm wrong but on this I'm not.

 

If you read what shazzyball has put regarding the loan from Blackhorse (on which the Equitable Charge has been made in 2008) she states it was only taken out in her Husbands name. Therefore an Equitable Charge wouldn't have been able to have been registered.

 

However, an Equitable Charge can also be registered for secured loans see here SECTION 3 "Equitable Charges"

http://www.diyconveyance.co.uk/mortgages-other-charges-registered-against-land.html

 

So something is definitely amiss here and that is why I have suggested shazzyball needs to find out "Exactly" why this has happened?

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Hi Ganymede

 

I never mind anybody correcting me if I'm wrong but on this I'm not.

 

If you read what shazzyball has put regarding the loan from Blackhorse (on which the Equitable Charge has been made in 2008) she states it was only taken out in her Husbands name. Therefore an Equitable Charge wouldn't have been able to have been registered.

 

However, an Equitable Charge can also be registered for secured loans see here SECTION 3 "Equitable Charges"

http://www.diyconveyance.co.uk/mortgages-other-charges-registered-against-land.html

 

So something is definitely amiss here and that is why I have suggested shazzyball needs to find out "Exactly" why this has happened?

 

 

Thanks for the link.

 

That is true regarding a secured loan but doesn't apply in the context of registering a Charging Order.

 

In the scenario on that link there is no CCJ and the borrower agrees to the secured loan and the security and it was always the intention to secure it. That site explains what would happen if the mortgagor objects to the placing of a 2nd charge etc, but technically it can happen.

 

I do agree with you though that if the Charging Order is in one name it cannot be registered as an Equitable Charge, the OP should do some digging.

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Hi Ganymede

 

But the point is we don't know if it is regarding a Charging Order as shazzyball has said there is also a Restriction placed, too?

 

The point I was making is you shouldn't automatically assume that an Equitable Charge is only for a Charging Order (or a Secured Loan for that matter) and it's certainly wrong to state it has nothing to do with a secured loan if you aren't certain of the circumstances of why it's there? That's why clarification is required.

 

This is certainly NOT directed at shazzyball but, sadly, there are instances where people don't know that their other half has taken out a loan and added their name to it with a false signature. And there are also instances where people don't know they are signing for a secured loan either. I know, personally, people who have suffered both of the above instances.

 

I'm sure shazzyball will be able to get to the bottom of why the Equitable Charge is showing (wrongly or rightly) and put it right as she is sure on the circumstances of the loan. But she needs to be aware of all possibilities for it's existence and not just some of them.

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Hi Ganymede

 

But the point is we don't know if it is regarding a Charging Order as shazzyball has said there is also a Restriction placed, too?

 

The point I was making is you shouldn't automatically assume that an Equitable Charge is only for a Charging Order (or a Secured Loan for that matter) and it's certainly wrong to state it has nothing to do with a secured loan if you aren't certain of the circumstances of why it's there? That's why clarification is required.

 

This is certainly NOT directed at shazzyball but, sadly, there are instances where people don't know that their other half has taken out a loan and added their name to it with a false signature. And there are also instances where people don't know they are signing for a secured loan either. I know, personally, people who have suffered both of the above instances.

 

I'm sure shazzyball will be able to get to the bottom of why the Equitable Charge is showing (wrongly or rightly) and put it right as she is sure on the circumstances of the loan. But she needs to be aware of all possibilities for it's existence and not just some of them.

 

 

Very true and good point. I was looking at it only from a CO point of view. Was trying to help distinguish between the two methods of registering a restriction, it didn't cross my mind that there might have been a fraud involved.

 

You're right in that there may have been some fraud committed to sign up for a secured loan as the OP says she never signed for one.

 

Shazzy, what does the wording of the charge say? That would clear things up.

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the charging order amount is a fraction of the value of the property you can try robinson v bailey 1942 also.

 

but note in the Packman Lucas (HC) case 2010 it was said that the size of the debt in comparison factor considered in Robinson did not appear to have been a 'critical issue'? and so 'size' was not relied on.

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hi all

 

The wording from the land registry says "equitable caharge", this is all i know at the moment. My hubby took out a loan UNSECURED with black horse, he defaulted for 9k and then we get to find out that a charge, EQUITABLE CHARGE has been put on. I have searched for papers and found that aplins were involved then it went to hillesdens, this was back in 2007,

 

The entry for the charge at land registry is 2008 but the loan was taken out 2006 so i know it was not a secured loan.100% he would not of signed anything on my behalf, 100% this was not a secured loan.

 

Hope this helps you guys because i am brain dead with it all. my hubby suffered a complete breakdown as his business failed and it is my turn to be strong so he can get well, pick himself up and start again, I need him, his kids need him and his grndchildren need him, so i appreciate all your efforts and help.

 

Thanks Guys and Gals

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hi all

 

The wording from the land registry says "equitable caharge", this is all i know at the moment. My hubby took out a loan UNSECURED with black horse, he defaulted for 9k and then we get to find out that a charge, EQUITABLE CHARGE has been put on. I have searched for papers and found that aplins were involved then it went to hillesdens, this was back in 2007,

 

The entry for the charge at land registry is 2008 but the loan was taken out 2006 so i know it was not a secured loan.100% he would not of signed anything on my behalf, 100% this was not a secured loan.

 

Hope this helps you guys because i am brain dead with it all. my hubby suffered a complete breakdown as his business failed and it is my turn to be strong so he can get well, pick himself up and start again, I need him, his kids need him and his grndchildren need him, so i appreciate all your efforts and help.

 

Thanks Guys and Gals

 

 

Thanks for the info.

 

Are you sure that there were no joint loans etc taken out by you both? Otherwise the Land Registry have made a mistake in allowing the Equitable Charge to be registered.

 

This may seem like a daft question as well but are you registered as an owner of the property along with your husband?

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shazzyball

 

Nobody is accusing your other half of anything, but you do need to request copies of ALL loan documents from Black Horse to verify 1) there wasn't a secured loan and b) they didn't carry your signature. They will then provide you with the required proof you need to remove the "Equitable Charge" from the Land Registry.

 

Can I just ask when your OH defaulted on the Black horse Loan and also who your second mortgage was with?

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shazzyball

 

Then you do need to sort out what has happened because as Ganymede says, after 2003 it isn't possible to register an Equitable Charge for a CO for a sole debt on joint property. And as you also weren't a signatory on the loan in 2006 (or any other time) then an error has been made somewhere?

 

It's fishy, too, that the Equitable Charge was placed in 2008 when the loan was taken out in 2006? However, I note you say Hillsdens became involved in 2007?

 

I'd have a closer look at this involvement if I were you as the "practices" of Debt Collection companies weren't as closely monitored by people pre recession and it may, possibly, shed some light on the matter?

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my hubby had a reply from hillesdens, they say a ccj was obtained and subsequently a restriction placed on the property, the judgement was oct 2007, the restriction went on after that date 2008, I have requested all the paperwork, along with this i have asked for a settlement of 5-10% but they have dismissed this, they do know we have near negative equity.

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Hi Shazzyball,

It seems that there is something seriously amiss with this Equitable Charge, more than likely The DCA have done this Illegally.

Perhaps, best to concentrate on one issue at a time though, to save confusion, and focus the mind.

I would sort the C/O, then move to the Equitable Charge.

All the Best

Cad

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shazzyball

 

Cadbury1879 is bang on the money as a Restriction cannot be placed without a Final Charging Order hearing of which you, personally, have to be notified of by law as a joint owner to state any objections or unfairness etc a CO may have. Did you, personally, receive anything from the Court regarding this at this time?

 

A simple phone call to the Land Registry asking how an "Equitable Charge" can have been placed (given your circumstances) may save you an awful lot of time. They will have to investigate the details passed on to them from the Court given you have proof everything was solely in your OH's name.

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Hi cad,

 

Yes i agree, he will go on thurday,( if the courts are open due to the strike) and deal with the questioning and then move on to the other matter.

 

Perhaps you should defend, as per Cyms defence, and attend the hearing! If not try to get the best result

possible within your means. A hearing is there for all parties to state there case. If you don't! The creditor controls the scenario, which exactly what they want.

Cad

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Perhaps you should defend, as per Cyms defence, and attend the hearing! If not try to get the best result

possible within your means. A hearing is there for all parties to state there case. If you don't! The creditor controls the scenario, which exactly what they want.

Cad

Should have said definitely shazza ,that you should attend!!

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Hearing went ahead despite strike action. asked questions in front of DJ, The District Judge advised that the creditor may try for a order for sale and to get some advise. They know we have a disabled son and that we have near negative equity, no order for installments made only an order to supply details of a suspended possession order on our second mortgage. They have all the other paperwork.

 

Previously my hubby made an offer of £100 per month but was rejected by the solicitors. They asked if this was still available and he told them not now as they have a restriction charge, but the dj said they would want some kind of offer.No order for installments.

 

to be honest i dont know how they are going to play this out, perhaps they will go for an order for sale. what is our next move?

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Hearing went ahead despite strike action. asked questions in front of DJ, The District Judge advised that the creditor may try for a order for sale and to get some advise. They know we have a disabled son and that we have near negative equity, no order for installments made only an order to supply details of a suspended possession order on our second mortgage. They have all the other paperwork.

 

Previously my hubby made an offer of £100 per month but was rejected by the solicitors. They asked if this was still available and he told them not now as they have a restriction charge, but the dj said they would want some kind of offer.No order for installments.

 

to be honest i dont know how they are going to play this out, perhaps they will go for an order for sale. what is our next move?

 

 

 

They won't get an OFS with negative equity in the house and a disabled son.

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You have protection under the Trusts of Land and Appointment of Trustees Act 1996 which should stop a sale order in its tracks notwithstanding the negative equity aspect. If the property is jointly owned the interests in children should far outway that of charge holders.

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