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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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      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.

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Payday Express - could really do with advice **


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The below was finally sent a week later, what do I do now? they just won't communicate via email I rung in and got a rude and un-cooperative witch who basically ended the call with ...you should find out your rights before contacting us...!!!Won't be making that mistake againI even sent a letter recorded deilvery to which I've had proof of being receivedIt seems they want to me to pay yet another roll over/extension fee and have closed their ears - surely there is something I can quote to them about telephones and the data protection if this is how they want to play it?What baffles me most is how us debitors are all treated differently if I'm being honest ! I'm mean it's not like they have even tried calling me far from it! just complete ignorall on the situation on their part (their my 2nd largest owed creditor to!)What do you think my next play should be? anyone?Dear Miss xxxxClient Reference: Thank you for your email communication. We are unable to discuss your account information by email due to security implications that relate to our company complying with the Data Protection Act 1998 However, we do need to discuss your account with you and ask that you call us at your earliest convenience on x and we will be happy to discuss any query you may have.Our opening times are:Monday-Thursday: 8AM to 7PMFriday: 8AM to 7PMSaturday: 9AM to 1PMWe look forward to hearing from you.Regards,Payday Express

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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They will work by emai if they want to , I have to admit though , when I started this, I read up on all the ones I owed and decided on a few to pay off ( was lucky, I could manage to clear a few) after reading how they were, I chose them. I do have bank details for them though if you need them. Keep making them a reasonable offer, point out how much they could have receined by now had they agreed. if they still maintain their stance, send the letter in the template section that points out that you could contest court action on the grounds of their unreasonable behaviour.(its under the title when a creditor wont accept your offer and you don't want them to go to court) it outlines their failings if they dont negotiate and points out theyy wont be able to go to court if they dont. Sorry can't find it at min, if i do will put link up

good luck

 

Found em

http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

I think I sent G out to CRS as they have refused to negotiate and answer any emails , adapted it a bit, but look through and see which you want to send them, recorded of course. let me know if you want their bank details .

Edited by ksmiggy
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What you can and MUST do is report them to the Office of Fair Trading and Trading Standards for not communicating. They are meant to try to help you - and if they try court the fact that they have NOT tried to communicate can be used against them.

 

http://www.tradingstandards.gov.uk

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

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Thanks ksmiggy and sillygirl1, this is really helpful to know.

 

Well I had a call yesterday from PDE...at work (ugh) don't think I'll ever hear from them any other way

But got a totally different person who couldn't be more understanding and says they will accept a plan ... !? it's totally jackal and hyde

 

Me thinks I was talking to someone from the great Nottingham office rather then Bromley cause the number recorded on my phone came up with 0117...interesting...

 

Not sure I trust - made the grave mistake with someone else from CFO - How you getting on with these ksmiggy? I did chuckle when I saw your comment other day re these animals!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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CFO have gone silent since I pointed out their failings, I will get back to dealing with them when I have everyone else sorted, sent a recorded letter to CRS other day pointing out that their claims I hadn't been in touch were lies and that I had continually made offers to both them and Swift and that should they want to go to court I would be able to object due to their lack of cooperation( exact wording is on letter lol) Also waiting to see if A&L will go through with chargeback on 247, the guy from fraud dept seemed to think it should go through ok. ( silly people took a payment the day before the due date, oops, I'l have that one back lol) If I get it back , def no charges from A&L (waived anyway)

They all seem to be very much pot luck on who you get, wether they got laid last night or just got the hangover to show why they didn't and how much bonus they need to pay for it all as to how they deal with you.

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I am also having a dreadful time with Payday Express. I am on my own with three teenagers (one at Uni). However, I will never ever make the mistake of using a payday loan again. I have e mailed around 15 times (I have saved all emails). I am offering to repay the balance over six months. However, they refuse everything.

I am making a big effort to turn my life around again. Every non priority creditor has accepted my payment plans. However, Payday Express refuse.

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I'm now in the same situation but with Payday UK ! I hate the way these guys play jackall and hyde and why does it get to the last one who says no !!

You must go complain to Consumer Finance Association - www.cfa-uk.co.uk - Payday Express are members

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Payday express are difficult. Mine is current with Castlebridge Credit Management (part of Payday Express). They dont answer to emails either. Needless to say I have complained about both companies to the relevant organisations. Just wondering now where the debt will travel to next, which DCA?

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Can't agree more, metodo09! yep keep absoutely everything

in the end I did find PDE agreed to my re-payment figure for 6 months at least before they will want to review, but I had to take it to complaint stage

 

Now having same battle with Payday UK ! AAAARRRGGHHH!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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hi asmilecostsnothing,

 

could you tell me if you managed to get PDE to agree to a repayment plan in the end via email, or did you have to send them letters in the post? I'm currently emailing them with my proposal but dont want to waste my time. Also if it was via email, what address did you use?

 

Thanks for any advice you can give...

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:-) Hi Segway,

 

Happy to give any info I can and help someone else out of the payday nightmare x

 

Here goes, I hope it will help, at first PDE ignored my emails (so try not to worry to much about this) we spoke on the telephone once initially which wasn't helpful after I rcvd an email inviting me to call about my account - the argumentative lady operator said they wouldn't agree unless I was dead (!), got made redunadant, working less hours etc so I have heard it all left with the impression they wern't going to help so as well as my previous post on here I also got in touch with Consumer Finance Association which their members of so have to ahere to conduct and rules set by the CFA

www.cfa-uk.co.uk (their website address where you can contact them as I'm sure it helped in a change of situation if you get me which is where complaining really comes in)

 

Within a matter of days I had PDE on the telephone with a different attitude wanting to help they agreed to my re-payment plan with a review in 6 months) the guy I spoke to was called Stuart Syllvester) I'm not sure if he is at PDE or Castlebridge tbh - but I did get a letter confirming everything!

 

I will PM you further details of which if you would like.

 

Good luck, I am sure you will get there - gotta be persistant with these people just keep on at them and I found taking their calls (welcome or not) did help

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi,

 

Anyone had any joy (or, preferably a response) from the CFA?

 

I submitted a complaint athrough on line form on the 2nd September 2011, nothing heard so I e-mailed "[email protected]" on 10th September 2011. Still, nothing? I note their website suggests queries are answered asap, so unsure if their busy or just slow in responding?

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Hi Toptrapper

 

Just sent you a PM with details of a contact I had there, hope it is useful to you

Happy to forward to anyone else

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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  • 2 weeks later...

What ho!

 

I wonder about this lot. I've emailed them three times and received only the template reply they send out, so I answered the phone to them this morning. A right little shirty p***k was on the other end explaining that due to data protection blah blah they could not discuss account info via email. Or indeed via the postal service like my bank does...

 

My question, having told him my communication preference and having the phone/headset slammed down with a huff :lol:, is whether we can still complain about non-communication if we don't take their calls?

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Hmm, I thought he might be talking out of his little perforation.

 

I have now received 3 text messages from them. So I sent 3 emails back. They're still claiming they haven't heard from me!

 

Not exactly the easiest bunch of people to deal with are they?

 

EDIT:

 

Sod it. Complained to the CFA

 

"I am finding it hard to deal with Payday Express as they will not acknowledge my emails or respect my wish to keep all communications in writing.

 

I feel that this is very obstructive and I find the constant messages stating that I have failed to contact them distressing.

 

I have emailed them 8 times to try to negotiate a repayment plan and so far they have simply ignored me.

 

Is this an acceptable practice?"

 

Sit tight...

Edited by OhMyGod-TheyAreAllZombies
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Sounds good !

 

Don't give up heart - they do like to play the jackall and hyde game first! keep at them and make token payments because I really do think this could help strengthen a case

In the end I took their call after making complaint and then afterwards, in all fairness to PDE they did actually put it in writing on their headed paper and the deal has been stuck to by both sides until review in 5 months time when I realise I could be going through this again :-(

 

I myself never received anything via email except their generated messages

 

PS. the East Street Bromley address still exists - the company secretary resides there for formal complaints, the other office also in Bromley must handle payments etc

Edited by asmilecostsnothing
Correcting

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Sorry but for me personally my complaint has been sorted for the time being with PDE, I got what I wanted that was a repayment plan

 

I would post now to direct others to the services that perhaps, maybe helped me along the way

 

I just kept on at them, made them see the situation I was in by providing what they asked for, be it statements, i&e info and made token payments before they came a-calling, I wasn't comfortable with this but desperate and did eventually get heard

Edited by asmilecostsnothing
tidy up

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Yeah mate, have it confirmed to in a letter! :-)

 

fixed amount for next 5 months (to make 6 months repayments gives me room to breathe and get some of the forcefall scarer ones paid) then we have to review cause it's a only a low amount but all I can afford at present, not sure what will happen at reviewal but here's hoping I'll have couple of the others will be paid by then so able to offer a larger chunk - thats my hope and plan anyhow!! think I'm doing the snowballing thingy!

 

As I say not sure if this means it is wth Castlebridge management?

How you getting on if I can ask?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

x

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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