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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.  
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partial settlement v full and final


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Ok, simple way to satisfy yourself, go get a debt, then sell it to the Rankines and simply walk away debt free LOL :rolleyes:

 

before I tried that I would like to have some idea of the likely outcome which is presumably why this discussion was started in the first place

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ok then all we need is to find tramp on the streets of london or any big city ( oh there's one, there's another whoops look there's loads of them ) who has absolutely no assets whatsoever, ignore the clause in every agreement that says the debtor cannot sell or assign the debt and sell him EVERY credit agreement in the country

 

there you go problem solved!!

 

or better still every bankrupt in the country can get a friend with a good credit rating to take out a 10,000 credit card then sell it to him the next day for 10p - problem solved!

 

 

trickie dickie i really am surprised at you!!

 

Not as surprised as I am that no one has actually tackled Rankines proposition and his assertions that there are no laws presently to prevent what he says he can do.

If there are such laws what are they?

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it is , and its a discussion forum too

 

however, as i see it, its for discussion on topics which have merit which this sell us your debt rubbish doesnt in my opinion

 

So you think that the fact that over 1000 consumers have paid Rankine over a million pounds for something which may or may not be possible is of no consequence?

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So you think that the fact that over 1000 consumers have paid Rankine over a million pounds for something which may or may not be possible is of no consequence?

 

and the banks/dca's are still chasing these 1000 customers for their money ...

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So you think that the fact that over 1000 consumers have paid Rankine over a million pounds for something which may or may not be possible is of no consequence?

as i understand it, from the contact i have at Birmingham City Council Trading standards , they are subject to an OFT investigation for taking part in licensable activities without a licence

 

says it all imho

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well dont forget, under Limitations , they have 6 years to sue and id point out also that, the banks probably wont sue him any way as they will sue the debtor

 

Well I guess we just have to wait for the OFT and trading standards to come to a conclusion but what takes so long,for six months the guy has been adv ertising on his website and standing in front of 50 people at a time and taking their money.Surely someone from the OFT could have had him charged well before now.

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Rankines answer to that is that he has been 'buying ' debts for 6 months and no lenders have taken legal action yet

 

well of course the creditors havnt taken any action

 

thats because there is no action to take

 

when their customer defaults they wil chase them and compeltely ignore rankine

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How to say f*** o** in 200 words:

Dear Sir,

 

Further to your press release today:

72/09 23 June 2009 OFT warns consumers about 'debt sale' scams

 

 

where the OFT claim that:

 

'The OFT will not hesitate to take swift action against businesses which deliberately mislead consumers.'

 

Could you please tell me what action, if any, the OFT are taking against Basil & Amanda Rankine who run the Credit Card Killer website: Credit Card Killer - Cancel your credit agreements.

 

 

To my knowledge, they have been (and still are) offering to buy credit card, loans, overdrafts and car loans since January 2009

 

 

Thank you for your email to Consumer Direct dated 23/06/09. Your reference number for this case is LR - 520574 and should be quoted in all further correspondence regarding this matter.

 

Based on the information you have provided the key legal points in response to your enquiry are as follows:

 

Consumer Direct is required to remain impartial; as such, we would not be able to disclose specific information about this trader. For further information regarding our remit, please visit the ‘about us’ section of our website, detailed below. However, we can suggest ways in which you would be able to gain this information. One way would be to make a formal request under the Freedom of Information Act (2000), which requires public authorities to disclose certain information on request. If you would like to make a request under this Act, you would need to write to the following address:

 

Consumer Direct London

International House

7 High Street

Ealing

London

W5 5DB

 

You will need to include your own name and contact details, and be clear about the information you are requesting. We aim to respond to requests of this nature within 20 working days.

 

This may be an issue that the Office of Fair Trading (OFT) would like to investigate. The OFT’s job is to watch over consumer markets, and ensure that businesses are acting fairly. The OFT has a role in promoting consumer interests, and so by reporting your comments and experiences to this body you would be able to add to their intelligence. The more complaints about an industry the OFT receive, the more likely it is that they would make the issue a priority. The OFT has access to all cases created by Consumer Direct, and so they will be made aware of this matter also.

 

Misleading information can be considered an offence; as such from the information given, a case has been created and will be passed to the Trading Standards where this trader appears to be based, for their intelligence purposes. If you require any further advice or information about this case, please do not hesitate to contact Consumer Direct on 08454 04 05 06 quoting the case reference number.

 

Thank you for your enquiry.

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well, i have searched Westlaw, Lawtel, LexisNexis and Justis and there is no mention anywhere of a single case where someone has done what Rankine profess to be able to do,

 

now they claimed to have found something that we had all missed , in fact they said we were all wrong on this very forum and didnt know what we were doing

 

However HHJ Brown QC proved that one was wrong didnt he.

 

so its not the first time they have claimed to have found something exclusive only to be found wrong

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well, i have searched Westlaw, Lawtel, LexisNexis and Justis and there is no mention anywhere of a single case where someone has done what Rankine profess to be able to do,

 

now they claimed to have found something that we had all missed , in fact they said we were all wrong on this very forum and didnt know what we were doing

 

However HHJ Brown QC proved that one was wrong didnt he.

 

so its not the first time they have claimed to have found something exclusive only to be found wrong

 

Well Rankine said no one had ever tried this before so it looks like he is right about that anyway as he claims to already have taken on 9 million pounds of other peoples debts and racking up more every day so it will be interesting to see what happens.

He apparently guarantees that none of his clients will wind up in court and if they are taken to court by their lender he appoints a solicitor to represent them.

It will be interesting to see what happens.

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what's probably more important is that he has taken onb xxx peoples fees for a "service" that he cant provide

 

if its a limited company the guarantees are not worth a light are they!

 

so this guy can bring down the finances of the entire western world then can he!!

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As I understand it he takes on the debts personally rather than using a limited company.

As for him bringing down the finances of the western world I hardly think Rankines help is needed there between the governments and banks they are doing a first class job of that already.

Rankine may be a clown but he has a long way to go before he is in the same league as the clowns who run the government and financial institutions.

Rankine issued a winding up petition to HBOS on the grounds of insolvency 2 years before the government had to bail it out-because it was insolvent.

The judge dismissed the petition without considering it on the grounds that it was clearly preposterous and vexatious.

Just about every major financial institution and government is now technically insolvent and the only reason that the whole system has not collapsed is because they all collude together and 99.9999% of the population can't be bothered to look beyond the spin.

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As I understand it he takes on the debts personally rather than using a limited company.

As for him bringing down the finances of the western world I hardly think Rankines help is needed there between the governments and banks they are doing a first class job of that already.

Rankine may be a clown but he has a long way to go before he is in the same league as the clowns who run the government and financial institutions.

Rankine issued a winding up petition to HBOS on the grounds of insolvency 2 years before the government had to bail it out-because it was insolvent.

The judge dismissed the petition without considering it on the grounds that it was clearly preposterous and vexatious.

Just about every major financial institution and government is now technically insolvent and the only reason that the whole system has not collapsed is because they all collude together and 99.9999% of the population can't be bothered to look beyond the spin.

 

if he's running this outfit without the security of a limited liability company ill eat my hat and show my arse in burtons window

 

 

its a [problem] and stupid- he aint!!

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if he's running this outfit without the security of a limited liability company ill eat my hat and show my arse in burtons window

 

 

its a [problem] and stupid- he aint!!

you have a fantastic way with words :lol::lol:

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discussed elsewhere - this is not possible. This is proven by the absence of any legal argument to show it is.

 

as for why are people paying him? Why do folk reply to Nigerian princes?

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I went to one of their seminars in London last week. Must have been a few hundred people present, most of whom appeared to be professional mortgage brokers or similar. I would also point out that at least half walked out during the course of the seminar - no doubt due to the rambling on of the speaker. The 2nd half (don't ask me why I stayed that long) was a 'marketing' workshop. Basically, telling professional brokers to go down the pub and leave cards around with your name on, or leaflet drop cards in a road whenever you have an appointment with a client in that road. NOT very professional and veering on cold calling !!! But maybe that is the way they do business in his native Birmingham ! I was speaking to one gentleman who 'transferred' his credit card debt under their scheme a few weeks ago - and received a letter from the credit card basically telling him they did not recognise the transfer.

 

I also spoke to Rankine afterwards, and was struck by his total lack of professionalism, and by his ability to avoid direct answers by rambling.

 

This scheme sounds too good to be true - and I am sure that is the case. He can't lose - takes the 10% plus the £350, does nothing, and doesn't give a sh*t if the card holder loses his credit status, gets sued and ends up having to pay the full card balance to the Card Company - in addition to having paid the 10%. All Rankine has to do is pull in the ££££'s over the next few months - and then disappear with millions !!

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I went to one of their seminars in London last week. Must have been a few hundred people present, most of whom appeared to be professional mortgage brokers or similar. I would also point out that at least half walked out during the course of the seminar - no doubt due to the rambling on of the speaker. The 2nd half (don't ask me why I stayed that long) was a 'marketing' workshop. Basically, telling professional brokers to go down the pub and leave cards around with your name on, or leaflet drop cards in a road whenever you have an appointment with a client in that road. NOT very professional and veering on cold calling !!! But maybe that is the way they do business in his native Birmingham ! I was speaking to one gentleman who 'transferred' his credit card debt under their scheme a few weeks ago - and received a letter from the credit card basically telling him they did not recognise the transfer.

 

I also spoke to Rankine afterwards, and was struck by his total lack of professionalism, and by his ability to avoid direct answers by rambling.

 

This scheme sounds too good to be true - and I am sure that is the case. He can't lose - takes the 10% plus the £350, does nothing, and doesn't give a sh*t if the card holder loses his credit status, gets sued and ends up having to pay the full card balance to the Card Company - in addition to having paid the 10%. All Rankine has to do is pull in the ££££'s over the next few months - and then disappear with millions !!

Thanks for this, it confirms my view .

 

incidently, i went to one of these seminars too, and exactly the same issues arose. He is like a politician as he never answers direct questions, the words dont touch and Barge pole spring to mind

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