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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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    • We have finally managed to obtain the transcript of this case.

      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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Pay Day Loan Problem


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Continue with your offer, stating that this is the maximum you can guarantee for them, and put the money to one side so when they eventually DO agree you can say "here is XXX being the £40 payments from XXX to XXX, proving that I have been able to meet this commitment" (been there and done it to a PDL myself, who were miffed at first and demanded rest of payment, told them to learn to read properly!)

 

You can do a basic I&E rather than a detailed one, as follows

 

Priority Debts

Mortgage/Rent

Council Tax

Gas/Electric/Water

TV Licence

 

Essential (daily living) debts

Food

Travel costs (including car costs)

Basic clothing

 

Non priority debts

Bank overdraft

etc

 

The shortened version is

 

Income (do NOT list benefits as they are NOT to be used for paying non-priority debts)

Priority Debts, Essential Debts added together

Non Priority debts added together

 

Resulting amount left for xxx creditors not included in non-priority debts

 

Remind them that only a court can order a full I&E and that you are complaining to

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk (for the OFT)

 

Keep us posted on progress.

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If you go to the National Debtline site they have a very good Personal Budget Sheet, worth filling in to see where the black holes are in your finances.

 

Perhaps you can click on my star and give me a reputation comment...

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Im in a repayment plan with txt-loan, one more payment to go, free of them next month, then ill start dealing with payday uk, who are very annoying.

 

Txt loan details are below, as far as payday uk go, stop sending them emails, ignore them, in the end theyll send you a letter saying theyll accept 75% of what you owe, then theyll say theyll accept a plan, itll be months from now, so dont panic, deal with the companies that want to deal with you, payday uk will come round when you ignore them long enough

 

 

Receiver - TxtLoan Ltd

Account number - 42028948

Sort code - 402103

Ref: your loan ID

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About 5 months after repeatedly ignoring my generous 100 pounds a month offer , telling me to call them etc etc, they pass the debt on to a DCA called Keys Whitlock, which is not external, its just them in more threatening mode, after a few letters from them, including a "we have come to visit you and you werent at home but we will come again" postcard, which looks like its been dropped in the letter box until you notice the first class stamp on it. They then send a letter literally begging for any money I can afford to give them, my debt is 600, they dont want to go to court for that, so theyll accept a repayment plan. Unless you owe them thousands, do the same.

We all accept that we owe the money and want to pay it back, but the bullying has to stop . :):violin:

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They wont take you to court for that, and unlike capital finance one and others, they wont add charges onto your debt. Theyll keep sending you emails telling you your credit rating will be affected(like I care about my credit rating at this stage) and that the loan will be passed on to an agent etc etc, a few months later Keys Whitlock will send you similar letters, and asking for a part payment or a repayment plan....This is when you phone them up and set it up. Until then, try and pay off one of the other loans, so that a few months down the line you can afford a repayment plan to pduk.

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Your debt is actually the original loan amount plus one months interest, NOTHING MORE, you do not need to pay idiots like Keys Whitlock, and need to report that 'postcard' to the OFT and Trading Standards, they are not supposed to do things like that.

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I've just had an email from Mark Harrington at PTPD saying he emailed me last week and he hasn't had a response. Well I've just re-read the email from last week and it says they have added £59 charges on, but there won't be anymore interest etc, they can't set up a pay plan for me and after 28th July it will be passed to an external agency, and to contact them if I have any further questions. Not sure what todays email is about then!

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The default notice is invalid. Section 87 of the CCA Act comes into play with payday loan companies. If they take you to court they will be laughed at. You have been trying to negotiate with them and they have ignored you.

 

Complain now to

 

http://www.consumerdirect.gov.uk for Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

If you don't complain about them now then I can give no further help.

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  • 2 weeks later...

Agghhh please help re CRS - they have just called and he has made me cry :( I'm shaking at my desk. They are the worst company to deal with ever! has anyone had any dealings? He was so rude and wouldn't listen to anything I have to say. He says they have a perfect right to contact my work, and had the gall to say I could pay them what I owe and re-loan again with PTPD!!!!They won't set up a payment plan, and have said they will pass it back to PTPD in 28 days who will take me to court.

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Report them to the OFT and Trading Standards, they are well out of order calling you at work.

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk for the OFT

 

PTPD cannot take somebody to court as they are offshore based in Malta and that can be used against them, as can using agencies such as CRS who are not able to do anything except intimidate and insult you

 

You need to complain in the strongest possible terms about this and the way they make you feel. Complain about both companies separately and that will be a step in the right direction.

 

The OFT guidelines say they MUST accept offers of part payment and if they do not then the OFT will start investigating them and revoke their consumer credit licence (they can do that to the DCA as well.

 

If you don't complain now and loudly to the authorities nothing will be done and you will have wasted your time posting on the site.

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