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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      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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End Legalised Loan Sharks.


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Very important vote on Monday,help make it happen.Latest news

Thursday night, MPs were going to vote on an amendment to the Finance Bill, which will limit how much short-term lenders can charge. However, they got into a fierce argument about other aspects of the bill which kept them in the House of Commons until 2am. Even tea and toast couldn’t keep them awake and the vote has been postponed until Monday.

Now we’ve got 2 more days to send our MPs a flood of emails telling them to put a stop to legal loan sharking, which the government has already admitted is a problem. Your MP might not turn up to vote, or not vote the right way. We can persuade our MPs that this is something we care about and doing nothing is not an option. Could you get in touch with your MP and tell them to stop opportunistic lenders ruining people’s lives? Get started here.

Edited by tawnyowl
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Last few hours. Email now.Links below.You could make a difference to be proud of..Kick off about 4-30pm

 

skkw_debtpicture.jpg Nearly half of all households are now struggling to make ends meet, and 10% of these say its because of the repayments they have to make on high cost credit products like payday loans, doorstep credit or hire purchase agreements. TODAY parliament has the opportunity to vote for action to be taken now to regulate this market- as it is in most other countries- and cap the costs of credit.

 

Yet whilst there is support for this measure across parliament, there could be a delay in action on this issue purely for party political purposes. Without pressure from campaigners, there is a fear that in order to create headlines at Liberal Democrat conference in the autumn Government MPs will vote against taking action now. You can read an article giving the background to this here and the views of grassroots Liberal Democrat activists who are angry that vulnerable consumers could take second place to choreographing coalition dividing lines. Every month more and more people are getting into debt with these firms, making any such delay potentially costly for thousands of families already experiencing financial hardship.

The debate and vote on New Clause 11 to the Finance Bill will be on Monday 4 July (having been delayed from Tuesday 28 June) and will start around 4.30pm. Its therefore not too late to ask your local MP to do the right thing and vote yes to encourage the Government to come clean and say what they intend to do now. The people struggling to repay these loans now deserve nothing less.

Edited by tawnyowl
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The yes's 228 vs no's 273- when they publish plans on this later in year make sure you ask govt mp's why they left people hanging so long!.Stella Creasy comment shortly after losing vote.A few other comments.

Debate about to close govt voting no but hinting at deal that has been done. So if you are a borrower wait til lib Dem conf for respite!

 

Thank you for your efforts. As someone who has got into trouble through Payday Loans, I appreciate it. Please dont give up

Also a comment from a CAB worker saying how sad.And many more to folow as the news comes in.

 

And if this article is right maybe theres hope yet . But why delay.http://www.labourlist.org/eaten-by-the-sharks

 

Surely not. http://blogs.mirror.co.uk/parliament/2011/07/nick-clegg---youre-so-vain-you.html

Its not over yet.Tawnyowl

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  • 2 weeks later...

Bit of news.

http://www.cfa-uk.co.uk/news.asp

 

 

Consumer Finance Association code of practice for payday lenders utter rubbish. more 'non action' . on legal loan sharks.

 

 

 

Hilarious - cfa admits only 8 members of group and they don't actually have an enforcement process worked out for it... Stella Creasy comment

Both consumer focus & cab don't want anything to do with payday lender voluntary code of practice as BOTH THINK think useless .

Payday lenders have failed to clean up their act:

Government must now intervene

http://www.responsible-credit.org.uk/uimages/File/cfrc%20payday%20code%20statement.pdf

 

Cfa claiming if you regulate uk Market there will be overseas lending to uk consumers like online gambling ....more novel excuses!

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Surely all a credit cap is going to do is shift the high risk customers to actual loan sharks at much higher rates of interest?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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This will play intyo the hands of the banks who can charge whatever they want on overdrafts, because they dont have to quote an APR.

 

By trying to stop one high cost lender people will be pushed back into the arms of another who charges even more (and is responable for many of the problems we all now face).

 

Payday loans should not be used to top up peoples income and anyone with more than one payday loan needs their to take a look at their finances and stop before it all becomes to much. more regulation is desperatley needed in a sector that does whatever it feels like but for the people who use them correctly they are an alternative to even more expensive bank charges (or worse)

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skkw_wfw_33.jpg

End Legal Loan Sharking Campaign Wins Government U Turn !

Lobby Your MP to Demand Independent Research

 

skkw_debtpicture.jpg Hello!

This week our campaign to end legal loan sharking won a significant victory- the Government has announced it is to go back to the drawing board and commission new research as part of its Consumer Credit Review. This is great news as it means they are now reversing their earlier opposition and taking seriously the calls for caps on the total cost of credit which could make a real difference in protecting British consumers who use high cost credit products.You can read the ministerial statement on this here.

I'm asking for your help now to make sure that this research is impartial and independent - In the past there have been real problems with the way research has been done in this area, and we have to make sure these problems don’t re-occur.

Please write to your MP asking them to lobby the Minister responsible Ed Davey to ensure that we can all be confident in the outcomes of the research this department commissions. Below is some suggested text to send to your MP and click here for a shortcut to contact your MP.

 

It’s vital that this research is done fairly, you can help make sure this happens.

 

 

skkw_stellasignatureshort_3.jpg

 

 

Stella Creasy

Labour and Co-operative MP for Walthamstow

 

 

 

 

Suggested Text for your MP

 

Dear XXXX

 

I understand that the Department for Business, Innovation and Skills is commissioning research looking into the effects of introducing a range of caps on the total cost of credit within the high-cost credit sector.

 

While I welcome this news as a positive first step towards introducing tighter regulation of high-cost credit, I want to be sure that this research will carried out by an independent body that has no previous connection to this area of policy. This is prompted by well-documented concerns about previous research on introducing interest rate caps in this market. The European Commission recently published an in-depth study which reviewed all such research, and concluded that UK research on this issue was based on “controversial” and “weak” evidence (“Study on Interest Rate Restrictions in the EU”, January 2011, pp269-270).

 

It is important that these weaknesses are not replicated in the forthcoming research on introducing caps on the total cost of credit. Please write to Ed Davey, the minister for consumer credit, asking him to ensure that the new research is impartial and independent from previous studies so that we can all have confidence in its outcomes.

 

Yours sincerely,

XXXX

Edited by tawnyowl
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Surely all a credit cap is going to do is shift the high risk customers to actual loan sharks at much higher rates of interest?

Back in this thread there are a few links discussing this reasoning.I am sure everything will become clear soon.I hope so as i am getting a bit of a sweat on.

Won’t a cap push borrowers into the services of illegal loan sharks?

A cap must be set high enough to ensure lenders can operate at a level which is financially viable. We also need to ensure that alternative affordable sources of credit are readily available through the Post Office network, local credit unions, CDFIs, co-operatives and mutuals

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OK but (and yes I appreciate that this is a common thought on these forums) arent you assuming that the relevant companies are therefore behaving in a way that is over and above economic viability? In fact, you are going one further and implying that there is some form of cartel (official or unofficial) setting interest rates higher than is economically viable for this type of loan. I would dispute that this is the case, and would state that if the interest rates are genuinely set at an "economically viable" level, then the change to the current situation will be zero. Ultimately, there is a lot of competition in that market, and it is an open market, which by definition will drive interest rates down to an economical viable level in any event.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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