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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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Lloyds TSB -v- Very good friend


Shelley181146
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Brilliant, thank you ims for your patience.

 

Now, can we claim interest in restitution on these or not? (mad grin)

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Brilliant, thank you ims for your patience.

 

Now, can we claim interest in restitution on these or not? (mad grin)

 

Shelley

 

Not through fos, no. They will not give such an award.

 

If you go to court you could but you would likely have to prove mis-selling and the other side could you put you to strict prroof of that.

 

ims

 

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So is it best for this type of case to take it to FOS and let them deal with it?

 

Are the rules different for one off payment PPI policies?

 

In respect to these loans they both had PPI attached to them and they were joint applicants and both applicants were self employed. However, I have read through the T&C's and they would have only covered the first named on the loan and only for Life cover.

 

I have spoke with Kaye and she has said that they were both oblivious to the fact it only covered one of them and only for Life cover. Also, that one of the loans was signed at personal premises, not in the bank. Would that make any difference to being Mis sold?

 

Apologies for all the questions.

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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So is it best for this type of case to take it to FOS and let them deal with it?

 

Which route is to be taken is for the claimant. You have probably noticed that there are few cases where folks have gone to court for their PPI possibly due to the onus of proof being squarely on the claimants shoulders or that the claim amount is high and therefore a possible exposure to costs in case of a loss. Having said that, you have already looked at the T&Cs which shows that the they would only have been covered for life and not repayments due to sickness etc becuase they were self employed.

Are the rules different for one off payment PPI policies?

 

Different to what?...don't follow you....sorry

In respect to these loans they both had PPI attached to them and they were joint applicants and both applicants were self employed. However, I have read through the T&C's and they would have only covered the first named on the loan and only for Life cover.

 

As above....how do you prove in court that they were not advised of this...it could be like trying to prove a negative if you see what I mean

I have spoke with Kaye and she has said that they were both oblivious to the fact it only covered one of them and only for Life cover. Also, that one of the loans was signed at personal premises, not in the bank. Would that make any difference to being Mis sold?

 

It could have a bearing but wouldn't be a pivotal point in my opinion

Apologies for all the questions.

 

Shelley

 

The self employed do have a very strong reason for mis-sale in that PPI is effectively useless to them.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?123886-POC-for-PPI-Do-we-have-any

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?273420-PPI-win-in-Court

 

The above two threads in the PPI Stickies may provide some more insight and background material. You might like to read through the other stickies in the PPI forum too.

 

ims

 

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The past 24 hours have been a blur I'm afraid but that's another story.

 

I appreciate your guidance ims.

 

I have been trawling through PPI threads and guess I have more to do. :madgrin:

 

On refreshing my memory with Kaye's DSAR information on these loans there is a copy of the 'Demands & Needs' which I have been going over and there is nothing to say that they policy holder has the right to look at alternative policies with 'other agencies' which Kaye has already confirmed she was lead to believe that it had to be Lloyds own policy. But I am playing Devils Advocaat here "if the insured had died and the other policyholder remained, I bet they would still have chased her for the balance" but as the loan only last 5 months, I hardly think a insurance of almost £3k was worth taking out for?

 

Thank you again for your assistance and I will keep you posted.

 

Regards

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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  • 3 months later...
Hi shell

 

Wait until you've got all the details before you start new threads. Have a read of 1,2 and 3 in my signature regarding charges and PPI. You need a PPI Calculator to work out the interest for one off PPI payments.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

 

PPI Calculator:- https://skydrive.live.com/?cid=ab205ad5e31a8810&id=AB205AD5E31A8810!151

 

Here is a Template letter that you can send them, add all the stuff thats missing. Maybe send the same letter for each account highlighting the bits that are missing and the bits you want from them as part of the request.

 

DSAR Reference: xxxxxxxxxx

 

Account Number: xxxxxxxxxxxxxxxxxxx

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated xxxxxxxxx. The disclosure of personal data is incomplete in that at least the following documents are missing.

 

1) You have failed to provide a xxxxxxxxxxxxxxxxxxxxxxxx

2) You have failed to provide xxxxxxxxxxxxxxxxxxxxxxxxxxxx

3) etc

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours sincerely,

 

'They have also advised that they are not the data controllers for Black Horse who provided the mortgage facility and anything to do with the Mortgage Account must be a new SAR request to SMSL RE SPML. Has anyone else had this response?' I'm not sure, you'll have to do a bit of digging. Don't get bogged down, you should be able to claim the

SAR Fees back.

 

Hi Rebel,

Its been a long time since posting original query but Lloyds TSB haven't been forth coming with their information on many levels but as suggested Kaye sent SAR to SPML re their mortgage but that expired mid April 2012. With that said, I have read around the forum various threads that people have had bad experiences with this organisation and upon checking the register at Companies House it appears that SPML company dissolved not once but twice - 6th Dec 2005 and then again 14th February 2012.

 

I found this in an article on the subject of these so called financial lenders

"Elsewhere in the SPML annual report the company makes clear that mortgages arranged by SPML for its unsuspecting homeowner victims are bundled together, securitised into a ‘derivative’ financial instrument as they laughingly name it, and sold on into a ‘Special Purpose Vehicle’ as SPML describe it ( it just means another separate company that simply holds all those bundled together mortgages as an asset to be further manipulated into a fantasy world of breathtaking deviousness)."

Kaye has not received any information from them and by the looks of things she never will. All I think I can do is check if the postal order has been cashed.

Does anyone have any recent dealings with this organisation as it appears that they have 'hidden money from Lehman's creditors in charitable trusts?

If I have posted this in the wrong place and the site team would prefer me to start a new thread I will be happy to move it.

Any guidance on this matter would be grately appreciated please.

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Hi Rebel,

Huge thanks for coming to my rescue. I have been researching daily on this organisation and I've heard/read about Capstone so your link has really helped me out.

 

Kaye has already sent a SAR to SPML but hasn't received a reply from anyone. We're now going to check if it has been cashed and who by, whilst following up on the link you highlighted.

 

This looks very much like 'Highway robbery'. I thought high street banks were bad enough.

 

Thank you so much for your guidance Rebel. Your a star :)

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Will someone please clarify that I am right here?

 

If you have been making repayments for your mortgage through LloydsTSB each month including any PPI, shouldn't they be the one's responsible to reclaim PPI premiums from? Whether or not they slid the paperwork through a third party and gained commission, the repayments were made directly to LloydsTSB.

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Hi Shelley

 

Lloyds TSB might just have been 'brokers' for SPML, your claim would be with, where the money ended up. Through your own investigations as well as the article demonstrate this is not straight forward. Have you got any statements that show the mortgage payments debited?

 

Will someone please clarify that I am right here?

 

If you have been making repayments for your mortgage through LloydsTSB each month including any PPI, shouldn't they be the one's responsible to reclaim PPI premiums from? Whether or not they slid the paperwork through a third party and gained commission, the repayments were made directly to LloydsTSB.

 

Shelley

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I have asked Kaye to go through her files and let me know what documents she can put her hands on.

Will report back as soon as I know.

 

Appreciate your help

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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