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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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Consumer loans ppi -Claim


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A few months ago ;

we made a claim against Consumer Loans for PPI on a secured loan provided ; the Consumer Loans Ltd ;

 

the Loan Company our rejected the claim grounds that the time limit has expired ;

we therefore approached the Ombudsman for redress;

We have just received a response from the Ombudsman that it can not pursue our claim grounds that my claim has expired;

but then will investigate concerns with the insurance company who actually provided the cover.

 

The facts are that Consumer loans provided us with insurance cover for five years of the secured loan;

but then after the end of the 5 years kept on collecting the insurance premuims for another 10 years until the secured loan was paid off.

 

We are unhappy about the ombudsman position and also the fact that despite the fact Consumer loans did not offer cover kept on collecting premiums on the secured loan:mad2:

 

Any suggestions on how to proceed with the Ombudsman

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A few months ago ; we made a claim against Consumer Loans for PPI on a secured loan provided ; the Consumer Loans Ltd ; the Loan Company our rejected the claim grounds that the time limit has expired ;

 

What time limit?

 

we therefore approached the Ombudsman for redress; We have just received a response from the Ombudsman that it can not pursue our claim grounds that my claim has expired;

 

Expired in what way?

but then will investigate concerns with the insurance company who actually provided the cover. The facts are that Consumer loans provided us with insurance cover for five years of the secured loan; but then after the end of the 5 years kept on collecting the insurance premuims for another 10 years until the secured loan was paid off. We are unhappy about the ombudsman position and also the fact that despite the fact Consumer loans did not offer cover kept on collecting premiums on the secured loan:mad2:

 

This would have been a single premium ppi policy most likeley. So they haven't actually taken premiums from you....they actually loaned you the money to pay a single premium and spreadit over the lifetime of the loan agreement.

 

Any suggestions on how to proceed with the Ombudsman

 

What did they say they are going to do (if anything)?

 

 

ims

 

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Hi Mariander; Thanks for your response. This is the contents of their letter as quoted dated 3/11/11-

' Having looked into this case in more detail ;

I sorry that we are unable to investigate the complaint about the seller.

This is because the event you have complained about the sale of your payment protection insurance policy took place on a date

before the sale of insurance policies by this business became covered by our jurisdiction.

 

We are ;however investigating the possibilty of raising these concerns with the under writer of the policy (that the isurance company who actually provovided the cover under the policy)'

 

They indicate they are not even quite sure whether the insurance company will accept liability but will keep in touch with me again.

 

Do you think we should continue to pursue this claim to the next stage -the assessor or simply wait for their comments.

Thanks

knight templar

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thats a std response from the FOS when they get told by the OC - not us mate go away

and the FOS agree with them.

 

you'll sadly get nowhere now with the fos.

 

what kind of figures are we looking at here and how old is the A/C

 

please give us the details of your claim..

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi mariander;

Thanks for your response;

 

we have not received a final response from the ombudsman as yet ;

 

except a letter as copied ;

 

we shall wait till they write regarding the contacts with the insurance company regarding

acceptance of liability which I think may be doubtful ;in response to dx100uk;

 

the amount involved is £9,075 inclusive of £825.00( PP Insurance policy)

 

knight templar

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  • 1 year later...

Hi Cags'

 

Submitted a PPI claim againnst Consumer loans for about two years now;

 

all I get are these endless letters from the FOS reminding me or assuring me that the claim

are being still been investigated by the FOS;

 

is this another ploy by the Consumer Loans and what shall I do ;

 

can I complain to the FOS for such delays to the response to my claims.

 

knights templar

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  • 9 months later...

claims should always be directed at the original creditor first off

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have you a thread already running?

 

no good asking one line questions when you don't tell us the full story................

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx; no thread on this issue on this thread ;

details as follows ;

 

made a claim for a PPI refund to consumer loans ltd the original creditors via an agent called Express Loans and Mortagges f

 

rom what I understand this company has ceased trading ;

 

the loan was a secured loan on our property of high rise council flat ;

 

PPI taken out on loan ; l

 

oan paid off as a result of sale of property ;

 

made a claim for PPI ;

 

liability rejected by original lender;

 

thus seeking to know whether original lender is correct in repudiating liability

as agent made the application and accepted with PPI payments .

 

Knights templar

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scan up the refusal letter.

 

if le&m are no more try the fscs.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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was this under £25k and a signed consumer credit agreement

 

if so you need to retort with section 56 of the CCA.

 

Consumer Credit Act Section 56. refers...

— (1) In this Act “antecedent negotiations ” means any negotiations with the debtor or hirer—

(a) conducted by the creditor or owner in relation to the making of any regulated agreement, or

(b) conducted by a credit-broker in relation to goods sold or proposed to be sold by the credit-broker to the creditor before forming the subject-matter of a debtor-creditor-supplier agreement within section 12(a), or

© conducted by the supplier in relation to a transaction financed or proposed to be financed by a debtor-creditor-supplier agreement and “negotiator ” means the person by whom negotiations are so conducted with the debtor or hirer.

 

.............

 

(2) The effect of section 56 is to makes the finance company liable for what you were told by the salesperson who negotiated the contract. But it will not help you demonstrate that what the salesperson said creates liability. I think you need to add an allegation that the salesperson misrepresented the terms of the insurance contract and that you relied on that misrepresentation.

This will already be implicit from you should say about being told the PPI was mandatory but best to state it expressly.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx; Perfect response ;

 

Yes the amount of the loan was for £9075 and there was a signed consumer credit agreement

between ourselves and the original creditor ;

 

but not quite sure what le&m and fscs means sorry for the ignorance ; can you please HELP .

 

Thanks

Knights Templar

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legal express.......

 

FSCS are the people that cough up when firms that go bust charged PPI.

 

you need to read around the forum

 

and send a letter of reply clearly rejectingtheir attempt to palm you off

 

however we need the background please

 

HOW did you complain?

 

did you use the FOS questionnaire?

 

did you do a spreadsheet?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx; Thanks for your response;

 

YES did inform FOS and completed application form ;

an officer rings on Tuesday to say it will be difficult to resolve

because their problem is that application was made through an agent

or third party but will in get in touch with Consumer loans Ltd but we did not submit any spreadsheet for our claim .

 

Rung FSCS this afternoon soon after your response;

to inquire whether an application would be considered ;

was told by officer on phone that since our claim or insurance policy of PPI was issued in 1990

it is not likely they will entertain my claim ;

are they correct or it is another poly to FOB us Off as usual ;

 

this is really disappointing ;

 

sorry to bother you again .

 

Thanks

 

Knights Templar

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the issue with PPI if that era is WHOM were they responsible too?

 

not sure what 'rules/guidelines' were in place by whom in 1990

 

there was the GISC code on PPI and another one [AES? ] before that.

 

I can see the issue.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx ; Thanks for clarification and doubts but is there any where I can get publication of the GISC code and AES code and regulations as it pertains to PPI to read or do you think we would be wasting our time and efforts and therefore should just back down from our claim .

 

Thanks

knights templar

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this is a self help site too.............

 

type in GISC in a search engine and read...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

dx ; Thanks for your help ;

 

 

we realise the forum is self -help but as it is said ' for lack of knowlegde my people perish'

 

at least you have taken the trouble to guide us ;

 

we shall read through the relevant guidelines .- GOOD WEEKEND !!!!!

 

Thanks

Knights templar

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