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    • 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?  
    • 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.  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 if paid promptly).  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 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 2) 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. 
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      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.

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Motormile Finance DCA- Doorstep Visit **


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I wouldnt say a tenner. Id say £1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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  • 1 month later...
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actually, just checked my emails and low and behold, they have just send me an email...

i can't believe they even have the cheek...

Dear...

I do not wish to presume anything, but do you have other debts of a similar nature to this one that you are trying to pay off at this time? If so do you have an approximate ides of how much this debt totals?

the reason i ask is that we re currently working alongside the money advise group. if you would like to discuss your financial situation with them i can call you at a suitable time for yourself and pass you through to them...

 

 

wth? do they really think i am that stupid???

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You could reply

 

Dear

 

Thank you for your concern but my alleged debts are not YOUR business. I am reporting this to the OFT as it is in breach of their Guidelines on Debt Collecting (which IMHO should become LAW - but doin't put the bit in brackets).

 

Encouraging people to contact a particular partner organisation is not on and needs to be shown up for the smokescreen it is.

 

There is not a suitable time for me to call or be called on.

 

Go forth and do not bother to attempt this subterfuge again.

 

Blinking cheeky whatsits!!!

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Forward their childish email onto the OFT&TS. Stop yanking their tail now, ignore them. Wait and see what they try to do to con money out of you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Hi I arrived home from my childs football game this morning to find a rather rude gentleman on my doorstep from mototmile finance

 

I have recently set up a new payment arrangement for this payday loan debt so was furious to find this guy at my door.

 

I politely told him to do one and he rang the office to check on this .

 

I rang motormiles office and hit the roof.

 

The guy on the phone then informed it was also about another debt they had purchased from wage day advance (this was news to me.)

 

I told them that I saw this as intimidation I was informed that they were assessing my property and then intimated I showed no signs of financial hardship .

 

I am absolutely appalled I have been experiencing difficulties and what right do they have to do this.

 

I have agreed a low level payment plan with them and ignored threats of legal action ,

this worked.

 

How do I go about reporting these lowlifes?

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Call the non-urgent police line and ask for a crime number, explain you need this to keep them away from your premises - assess your property - you could be renting, living with friends or anything, they have absolutely NO RIGHT to do this.

 

Get onto the OFT's website and report this to them, and to Trading Standards.

 

I do hope you did not agree to pay them any money on the doorstep, that is what they were after - the doorstep collector will be on a high commission basis only 'salary' so it is in their favour to get money - if you did agree you can retract this saying you were under pressure and had no idea that they were NOT allowed to collect on an alleged unsubstantiated debt

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They seem like a very intimidating company. Although I have setup minimum payments with them now and had no more issues, it took me a while to realise they had 2 of my payday debts as well rather than just 1

247moneybox: £418.04

1monthloan: £260

WageDayAdvance: £462

MicroCredit: £156

Amigo: £427.44

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Well to show them who is in control, and that they are on extremely thin ice with the actions and intimidation tactics they have employed, I would drop my payments to £1 a month.

 

Get theose complaints in to the OFT&TS, and let your local MP know.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 5 months later...

May i ask

 

People writing to this compliance manager Robert sands

 

Although i totally agree in doing this as its a confirmed paper trail if needed in the future

 

Has this Robert sands replied to people comments

Has he addressed peoples complaints as to the treatment they receive from MMF

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Hi squaddie, to me it seems like MMF has gotten 100x worse under Mr sands. We know that MMF hardly ever reply to emails or letters.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Very true renegadeimp but I must admit i was a complete nubbie until I came here the ones dca's I have dealt with have been honest and straight forward understood my position and happy with my amount to pay back the amount agreed upon and even allowing STO. I suppose it's unfortunate one or two that upset the rest of the apple cart so to speak.

I will send the letter in this forum thread and see what happens, and if the muppet turns up I now know what to do. Thanks for you reply and help

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Hi squaddie, to me it seems like MMF has gotten 100x worse under Mr sands. We know that MMF hardly ever reply to emails or letters.

 

 

You actually have a valid email address that does not bounce back, a valid phone number, or even an address that's not a garage for this sorry excuse of a compamy

 

thats a first

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May i ask

 

People writing to this compliance manager Robert sands

 

Although i totally agree in doing this as its a confirmed paper trail if needed in the future

 

Has this Robert sands replied to people comments

Has he addressed peoples complaints as to the treatment they receive from MMF

 

Yes indeed I have a number of cases on which I have contacted Mr Sands and have had replies, and successful resolution of complaints.

 

Also resolution including ''redress'' from a 3rd party instructed by MMF.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You actually have a valid email address that does not bounce back, a valid phone number, or even an address that's not a garage for this sorry excuse of a compamy

 

thats a first

 

This one of the reasons I will always say forget e-mails use RD/signed for: The Protection House Address I the one to use and yes they do reply to letters.

 

As usual squaddie assumptions not facts from experience it seems.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I have never had the privilege of dealing with MMF

 

I sorted out my obligations long before this sorry excuse of a company came onto the scene

 

But by reading threads on this company, the facts spell out difficulty in gaining any sort of professional dialogue with any representative

 

Their only response seems to be

 

"doorstep collection "

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How odd all the matters I have dealt with for others have received responses and most to a conclusions.

However as many here on CAG know I have been for some time collating all the complaints made here

regarding MMF with the intention of forwarding the results to the regulators so please feel free to appraise

me of any experiences you may have personally of their conduct.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Typical response

 

As explained, i have come across no threads with a response from this Mr sands, you stated that you have dealt with this individual many times and have had responses

 

I asked you to provide a link in a courteous manner for which i get a negative retort

 

Either their are no threads, or you have a problem of communicating in a civilized manner

 

I do not lower myself to personal insults

Edited by squaddie
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I've had no reply from Rob Sands, and no reply from Motormile. The reply from Uncle Buck was farcical, this is all being fed back to the FOS with a request that both companies be investigated as it is not on that they can pass round an alleged debt that did not exist in the first place, and the laughable emails stating that another company had taken my money and paid another alleged debt is beyond belief!

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I wonder if the Brig would address another user like that if the other's user name was Bubbles or something?

 

Brig V Squaddie?

 

hmmmm. Thought we were all on the same side hmmm

Ohhh I thought it is Bubbles posting:lol::madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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