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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).
    • 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?  
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HFO & Turnbull Rutherford have issued me with a summons and I'm freaked


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HFO wrote to me out of the blue in Dec 2010. They sent me an aerial photo of my home, equifax report and lots of other stuff. Using your templates I wrote to them with and require £1 postal order. They ignored it. They wrote twice more ignoring my letters asking them to provide me with proof.

 

I wrote to the solicitors also but they have also ignored me. I now have a summons and don't know what to do.

 

I have copies of the letters but I stupidly didn't keep proof of posting or of the postal order. What can I do?

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The thing that springs immediately to mind off the top of my head is to send them and the solicitors an SAR. You will then get everything they hold about you which should include the letters you sent.

 

As you know they have ignored a legal requirement. Don't say this when you send an SAR - if you want a template I can post one up. If you do go this route get at least Proof of Postage (receipt is assumed by a court, but some like the reassurance of a signature by going the slightly more expensive way of sending Recorded Delivery.

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Hi and Welcome

 

Have you actually received a court claim? are you able to scan up or type in what you what you have received, with personal details removed?

 

I am going to ask the site team to move this thread to the legal forum then it is in the right place

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Is this a court claim form? You need to respond to the claim form via the courts to say you are going to defend the claim in full! A subject access only goes to the original creditor. You can CCA request HFO. Please type HFO into the search box on this forum and read some of the threads about this company. These clowns are issuing as many claims as possible in the hope nobody defends,because as you will read they are under scrutiny from the Office Of Fair Trading regarding their credit license. Please read!!

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First of all, I suggest you write to TR advising them that they should not be taking such enforcement action while in default of a CCA request. Invite them to discontinue. Do not acknowledge any debt.

 

This is tactical. You'll defend this anyway. But telling them they have made an error and giving them some rope will truly hang them, especially with the OFT, if they continue the claim.

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Surprised they are still allowed to create new cases for the courts when they may not have locus standii in the first place.

Courts are not interested they are their to rake in money and as in my case not listen to the arguements put to them but to rubber stamp solicitors representing the claimant

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Thanks for all the replies. I'm not great with IT so I've typed it out.

 

HFO sent me copies of statement extracts the earliest being 6/1/05 the latest 5/7/05 relating to the amount they say I owe.

 

"The claim is for monies due from the Defendant under an interest - bearing credit agreement. The defendant defaulted on this agreement. The Claimant HFO Services Ltd is a services and collections company which collects debts for HFO Capital Ltd. HFO Capital purchased the defendants account and all rights and obligations attaching thereto from the original lender on(no date submitted here) Notice of assignment has been provided to the Defendant. The Claimant claims £225 being instalment arrears due from the Defendant. On satisfaction of this claim and the costs there will be an unpaid balance of (no amount) to be paid by the Defendant which is acruing interest at the contractural rate of 12% pa.

 

I panicked with the court summons and sent this back to the court.

 

 

Please see extracts of two letters sent to HFO Services which they

have failed to respond to. I enclosed the £1 postal on 9/12/10 as

required. These letters were also sent to Turnbull Rutherford

Solicitors 11 February 2011 but again I have not had any reply I

have no record or details of the debt they say I owe. All I have

ever received are 3 standard letters from HFO and 2 from the

solicitors. I feel bullied and intimidated by their threats,

photographs of the house I live and now this summons.

 

9/12/10

 

Dear Sir/Madam

Re:− Account/Reference Number

This letter is a formal request pursuant to s.77(1) of the

Consumer Credit Act 1974. I require you to provide me with a true

copy of the credit agreement relating to the above account,

together with any other documentation the Act requires you to

provide.

I expect you to comply fully and properly with this request,

within the statutory time limit. You are reminded that should you

fail to comply with my request, the provisions of s.77(6) will

apply.

 

If it is your view that you are not the creditor, s.175 of the CCA

1974 applies in the case of a simple assignment, and places a duty

upon you to pass this request to the creditor. In the case of an

absolute assignment, you are a creditor as defined by s.189. If

you contend that you purchased the rights but not the duties of

any agreement, you are reminded that s.189 of the Act is clear

that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer

Protection From Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the

statutory fee. Note that these funds are not to be used for any

other purpose.

 

2nd letter dated 30/1/11

 

 

31/1/11

Dear Sir/Madam

Re:− Account/Reference Number

Second request First request made 9/12/11

This letter is a formal request pursuant to s.77(1) of the

Consumer Credit Act 1974. I require you to provide me with a true

copy of the credit agreement relating to the above account,

together with any other documentation the Act requires you to

provide.

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Have you actually acknowledged the claim and said you are going to defend it?

 

What is the date on the Claim Form?

 

It is a 'Split claim' they are claiming instalment arrears only and easy to defend. Under the 'County court Act', if they won this they would not be able to bring a further claim for the balance as it would be multiple claims for the same cause of action but they usually 'stay' the proceedings if you defend.

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I replied to the summons. It was issued 1/6/11 and I replied yesterday I think. Below is what I said.

 

" Please see extracts of two letters sent to HFO Services which they

have failed to respond to. I enclosed the £1 postal on 9/12/10 as

required. These letters were also sent to Turnbull Rutherford

Solicitors 11 February 2011 but again I have not had any reply I

have no record or details of the debt they say I owe. All I have

ever received are 3 standard letters from HFO and 2 from the

solicitors. I feel bullied and intimidated by their threats,

photographs of the house I live and now this summons. "

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I did and did via Money claims online. What's puzzling me and concerning me is that the actual summons has gaps in amounts and dates. They can't add stuff in can they?

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No - they have just issued a very vague POC which it is defend in itself. I could have given you a far more detailed defence and you could have requested more info from them before submitting it but actually, what you have done is fine. You have basically told them your objections and let them get on with it. If they want to take this further they must reply to your defence within 28 days and provide further information which you can respond to but I have never known them do this for a 'split claim'. If they don't respond, the claim is stayed and sits on file.

 

They issue these in the hope of getting a 'default judgement', I think. This would mean they could put more pressure on people who do not understand the process.

 

I still think that you need to write a letter to TR along the lines suggested by DB and add that you have defended this.

 

I presume the Original creditor is not named on the POC. Who is the OC out of interest?

 

You must write a letter of complaint to OFT with copies of all the correspondence including the personal data. Send to

 

James Waldron, and the address is OFT, Fleet Bank House, 2-6 Salisbury Square, London, EC4 8JX.

 

HFO are currently having there license reviewed so any complaint is a nail in the old coffin.

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Figures that it is Barclaycard - did you have an account with Barclaycard? If so, how long ago?

 

Letter to TR, try this format and update as necessary

 

 

Dear Sirs

 

I acknowledge no debt to your Client.

 

I am in receipt of you claim reference xxxx and have submitted a defence to this claim.

 

I am assuming that this 'partial claim' is in respect of Account ref xxxx having received correspondence about this from HFO Services, although the Particulars of Claim do not actually reference or identify the actual debt.

 

Please note that I wrote to your Client on (details of letters sent) and submitted a request under Section 78 of the Consumer Credit Act. Your Client has not responded to this correspondence. Copies are enclosed for your information.

 

Please be advised that I do not consider it appropriate that you undertake such enforcement action while in default of a CCA request. I would request that you discontinue this action forthwith

 

Your Faithfully

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