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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. 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. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Dm Versus Lloyds - Help Needed


DARKMICK
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not sure what to do next

 

Claiming £1600 from Lloyds been through all the usual banter with them and had refusals to my requests.

 

eventually following the usual process on here with multiple requests to LLoyds, I filed a claim on Moneyclaim on 19 August, Moneyclaim has sent me a letter and it shows on line that is was acknowedged by LLoyds on August 24 and referred to SCM solicitors

 

however I have had no response at all apart from a letter today which is the usual monthly charge on the account

 

any advice needed as I was not sure if I could file judgement after 14 days or whether it is 28 days.

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I have just checked on moneyline and LLoyds have submitted a defence but it gives me no information apart from it will be transferred to local court.

 

What will happen next?

 

Am i likely to receive anything in the post from either Lloyds, solicitors or the local court.

 

any help would be appreciated

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I am about to do my AQ questionaire, just a couple of questions if anybody knows, I have got the AQ template from here and it looks pretty easy:

 

Do I need to send the breakdown of charges again?

Should I also send the solicitors a copy of my defence?

 

Also appreciate it if somebody could point me in the right direction for preparing a defence, and whehter there are any standard documents out there.

 

Thanks

 

 

 

M

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THANKS a lot for that

 

what do you mean by a schedule ? is that the pack for my defence?

 

also been onto that zip file which you have enclosed and it does not make much sense do I just send that whole file?

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  • 3 weeks later...

I have now sent off my allocatation form and got today from LLoyds solicitors an allocation questionaire, it states wanting another 30 days to settle out of court, is this normal in line of Lloyds bank? Do i need to do anything else?

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Darmick, go in to the Lloyds section and have a look at our threads, similar situation etc.......

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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I have now got a letter from the call, something like a stay of execution, to settle out of court until November 15

 

Can anybody advice me what to do, I have already written to SCM should I write to the court, and what do I do after November 15

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go back in to the Lloyds threads and catch up with mine and Molly's posts..and you'll see some of the "banter" we've had with sechiari.........

 

You can now send a letter to them and offer your conditions of settlement, here's a good letter that Elsinore helped me out with.......

 

 

Dear SCM

I was delighted to note from your copy of the Allocation Questionnaire that your client has requested more time to attempt settlement of this claim.

This change of heart has come as somewhat of a surprise as, up to now, your client has flatly refused to negotiate any sort of settlement, since my first approach to them on (date). It was, of course, this intransigence which led to my issuing of the claim.

Nevertheless, your client’s decision is most welcome and I look forward to receiving from you their proposals for resolution. As you have clearly already taken new instructions from your clients, you will be able to respond to this letter with an offer by return.

I am sure the Courts Service will be equally pleased that you will be relieving them of unnecessary time and expense, so I have sent them a copy of this letter to add to their files.

 

 

with your own details in of course/and what your willing to accept as a settlement !

 

 

hope this helps mate and good luck

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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  • 3 weeks later...

My stay of executiion nearly done now - November 16th

 

In my month written to solicitor twice and faxed twice

 

Also written to court as well to cancel the 1 month extension which go t rejected.

 

Not heard anything from solicior at all to settle, I think it is all wrong that they waste court time.

 

Quite funny yesterday as I got letter from LLoyds threatening me to go legal if I dont pay my £450 which is all of bank charges and in my claim. Dont they talk to each other??

 

Just wondered if anybody could give me advice of next steps on what to do on the 16th and whether I should write to court and if there are any standard letters or approaches I should use.

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the solicitors drag this out (it is them making the decision as all this nonsense about referring back to their client is rubbish) - the solicitors are in-house and it is TSB staff working within SCM (from what I heard).

 

You won't get a response until a court date is set (likely to be next year). But if the Court orders directions - usually that you and the defendant have to exchange documents to be presented in court and that a copy to be provided to the court, you may get a settlement letter just before the date that this order expires.

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Thanks for that

 

But does anyone know if I need to do something for this 1 month period which is about to expire.

 

Do I need to write to the court stating what I have done to try and settle or will they set a date for the case automatically.

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If you have'nt already, send the court copies of your letters to SC&M. This will indicate to the court that you have attempted to negotiate. You may want to include a short covering letter informing the court that your attempts have been ignored. They requested the stay for negotiation, if they have'nt attempted to negotiate and furthermore, they've ignored your own efforts, that is abusive of the system and a possible breach of the CPR's. You should most definately bring this to the courts attention.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks everyone for your help

 

Since I wrote my last post

 

Prepared a court letter stating how LLoyds had been abusing the legal system - and CC it to Office of Fair Trading

 

E mailed it to somebody in customer services - name from this site, copied in Chief Executive guessed the e mail,

 

Also faxed it this morning and posted it at lunchtime

 

just checked my account on offchance to find Full settlement

 

I have just transferred to my current account at COOP and As soon as I can get at these funds will make a donation

 

thanks again

 

Mark

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CONGRATULATIONS!!!

Another Lloyds win! Well done.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Well done Mark, it's so good isn't it.......

 

me too today :D

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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