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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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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Harrassed by Lowell - Debt not mine


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You could lodge a formal complaint with the court service about the forms being confusing about the adjournement, which has caused you to incur costs. Speak to the court manager about their complaints process. I would say that you could complain about the judge and submit an FOI to see how many times they sided with banks/DCA's and against LIP's. But that would be very difficult.

We could do with some help from you.

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Why do they publish CPR rules and publish forms on the internet if they are then going to be annoyed that people research on the internet?

 

It does stink. Without the dcas litigating so much, we would need less judges. Conflict of interest right there. Court system is part of the racket imho.

 

You may have made some critical errors mind. However, how is a lip supposed to know how to act....especially as internet research is so frowned upon.

 

I know I am nit much help here and merely venting but felt the need to say it.

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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I have just read through this thread and I am staggered about how badly you have been treated by the system. A lot of us reading and posting here are victims of bullies that take advantage of an unjust system but your treatment has been outrageous.

 

I want to thank you for having the courage to post up and the courage to fight back. It makes my tiny little fight look pale in comparison, but it gives me inspiration to carry on and not apathetically "put the pen down".

 

I am so sorry you got the outcome you did from the court. We all get taught the value of justice as we grow up. I think you have not only been let down by the justice system but society as a whole. Your story should be on the front pages...

 

Good luck with the fight now. It will be worth it when you do achieve justice. And I hope the Guardian (if not the Daily Mail) are there to take your picture as you walk down the steps.

 

I also hope Lowell loose their license and end up having to pay you every penny of the compensation you deserve.

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foggy

some general info http://www.bis.gov.uk/insolvency/Publications

note 'can my bankruptcy be cancelled', partic'y 'what is the effect of annulment of a bank'y order'. (presume the b order was annulled?)

http://www.bailii.org/cgi-bin/markup.cgi?doc=/ew/cases/EWHC/QB/2012/2088.html&query=%22data+protection+act%22&method=boolean

Edited by Ford
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Hi foggy, have just read this whole thread, and I'm very sorry to hear what has happened to you, can I ask when did you find out it was your daughters debt? did she admit to it straight away?, I'm afraid I would be very angry with her if it was me, as she took out the loan and forged your signature, I just hope she pays this all back to you, if I've got the wrong end of the stick about that, accept my apologies. You must be feeling devastated I know I would be. I would like to wish you good luck, and hope this saga ends very soon. Best wishes

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Foggy

 

Could you make a cheeky request to the jury service to pay your costs ? These were incurred as a result of the courts service, where the adjournment was unclear even in the eyes of a judge. If you can get the judge to provide some written confirmation of this, pass it on to the jury service people and see if they will rebate you.

We could do with some help from you.

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Hello,

Thank you so much for your continued support and never even think that you have not been much help, without you all I would have gone under long before now.

 

It was my daughters debt but it didnt come to light until Lowell sent statements.

She had got into a right old mess a few years ago and we stepped in to help.

 

When Lowell started to chase me I sent two recorded delivery letters requesting confirmation, which I knew they would not have.

To cut a long story short although I did not receive anything from Lowell within the time limit and everything went quiet.

 

The next thing a Bailiff was asking my neighbour about me and just after a statuary demand was posted, which with complete stupidity I ignored. Big mistake.

 

Then Christmas Eve I received from Lowells by second class post an adjourned Bankruptcy hearing.

Well I think you will all know how that bombshell effected me.

The petition had been served in September to the Court.

 

At this point I should have rolled over, given in even but I knew it wasn't me and thought I would be believed. Another big mistake.

 

I turned up at Court in January and with complete naivety just expected to be believed.

The Judge was horrible and he adjourned the hearing to give Lowell time to get their act together.

I then received a signed copy of the agreement along with statements, plus a letter asking if I did not remember going to Gran Canaria in 2006.

 

Thats when it became clear to us it was my daughters account .

Her email, her holiday and her phone number at work.

There was no fraud going on I had stepped in to help her make the payments and that was all.

 

We found letters from my daughter to Capital one and Lowell when she was getting into a mess,

and also one to her bank which I know is not connected but it mentioned my involvement in helping with her debts.

Open and shut case I would have thought. I am afraid not.

The letters were to her name which although Lowell had mentioned fraud, these letters put the end to that.

There is activity in her bank account to Capital and none in my account.

 

When I was in the hearing the Judge had a letter addressed to me with a hearing date of the 19th of June, which I did not get,

and I feel they didnt send that because I had asked for an adjournment before it was to be posted out.

The Courts mistake but the Judge was adamant it was my mistake, said he didnt want to insult me but I was very confused.

Guess what I was insulted.

So no chance of costs there.

 

Yesterday I received a kind e-mail from Lowell, the person who had instigated all this mess,

and left me with very dark thoughts has left the company apparently,

maybe there is a way forward but I am not up to answering them yet. We will see.

 

 

Thank you all so much again.

 

Maybe if the OFT get there act together the option to make people Bankrupt will be taken away from Debt Collecting Companies.

Edited by citizenB
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Do go to see your MP about all of this. They may write letters on your behalf to make enquiries and this may give you a bit of breathing space.

 

By the way. I was serious about asking the jury service people to look at the costs that have been caused by the courts service.

 

Continue making complaints and pass copies to your MP. That is what they are there for.

We could do with some help from you.

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just a small pont:

 

you say:

 

The next thing a Bailiff was asking my neighbour about me and just after a statuary demand was posted, which with complete stupidity I ignored. Big mistake.

 

i can assure you that was NOT a bailiff! but a nosey DCA, put it in your notes somewhere for court - asking nehbours is against all regs

 

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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Hello,

Yes told them all this, harassing neighbours, all the OFT guidelines Lowell flaunted, not interested at all at the Court. Filing a petition in September and the first I heard was in December was worth nothing, there was hesitation from the Judge whilst he considered this and he did mention it again but it didn't help my defence at all. Strange.

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Foggy

 

On 1st May, you said a local MP was helping you with this. What have they done for you ?

 

I have read this thread again and can only think it has never been believed that the debt is your daughters. Hence the reason why you have been pursued continually.

 

If you are certain that the debt is related to an application your daughter made to Cap1 in 2006, what enquiries had you made with Cap1 ? How old was your daughter at the time and how did she make the application ? What has your daughter told you about how she applied for the card and for what period she was using the card ? How did she make any repayments that were due on receipt of statements ?

We could do with some help from you.

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Hello,

The MP is away for the summer. It was 2005 she made the application, through the internet, her own details, she was 21, her e mail and her works telephone number. She paid through her bank . I became involved when her debts became unmanageable. The letters to and from Capital and Lowell are addressed to her with no mention of me.There is no activity in my bank account to Capital or Lowell.

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Hello,

The MP is away for the summer. It was 2005 she made the application, through the internet, her own details, she was 21, her e mail and her works telephone number. She paid through her bank . I became involved when her debts became unmanageable. The letters to and from Capital and Lowell are addressed to her with no mention of me.There is no activity in my bank account to Capital or Lowell.

 

Unless you acted as guarantor in any way, then any legal action would have been against your daughter. There would have been no reason to write to you.

 

When the credit card stopped being paid, there would have been correspondence to your daughter about the debt and probably loads of phone calls to your home, if your daughter was living there. What is the history of her being chased ? Do you remember this or can your daughter provide you with details ?

 

Has your daughter asked for historical records for her credit record ? This may show a history of the card, late payments, defaults, change to debt ownership etc. This may be worth getting hold of.

 

MP's are not away for the summer. They will have full time staff that act for them when they are away. My local MP is contactable at all times. Most MP's use the summer period to hold surgeries and attend events in their constituency.

 

Who is your local MP, if you don't mind me asking ?

We could do with some help from you.

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Hello,

Yes in about 4 weeks, but I have a feeling Lowell will come up with something, If they lift the petition what would you do?, I do not want to risk any more costs, my daughter will be paying of course but it is me who would be made Bankrupt.The offer of payment has always been there for Lowell so have never understood why they have pursued me.

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Foggy I have never really understood how you got responsibility for your daughters debt...did she forge your signature ? Have you sent off for a SAR (excessive charges) ? which should reveal statements, etc, did you ever see a dafault notice ? I'm not sure of the part where all of a sudden you have become responsible for your daughters debts, did you put in writing to Lowell that you would take responsibility, if you did then it must have been some time ago ? Do you have the same initials as your daughter ? If you want to avoid costs then you need to look at a potential abuse of the process. Was the statutory demand served according to the petition ?

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Hello,

Yes in about 4 weeks, but I have a feeling Lowell will come up with something, If they lift the petition what would you do?, I do not want to risk any more costs, my daughter will be paying of course but it is me who would be made Bankrupt.The offer of payment has always been there for Lowell so have never understood why they have pursued me.

 

Foggy

 

It is VERY difficult to offer help, when you do not answer questions that are put to you.

 

Who is the local MP that has been helping you since May, that has not managed to resolve anything ?

We could do with some help from you.

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  • 1 month later...
Foggy

 

It is VERY difficult to offer help, when you do not answer questions that are put to you.

 

Who is the local MP that has been helping you since May, that has not managed to resolve anything ?

 

Hello,

I am so sorry I have only just seen this you must think I am awful. The MP is Michael Meacher but I did not see him in a professional capacity, I knew him from my work and to my regret I thought I would not need further support from him which was stupid of me.

 

 

I have been to Court today and the petition was dismissed. I entered into an agreement with Lowell to set up direct debits with them and they would then stand the costs incurred at Court.I did not hear from them again until last Friday and the wording re the costs did not comply with the initial e-mail received. I forwarded them both to the Court for the Judge to read before the hearing.

 

I was correct in thinking they were trying to make me responsible for the costs even though it was one of the conditions in the original e mail and was why I agreed to set up the repayment plan. but the Judge shot them down and said it distinctly says here that Lowell would stand the costs and that is what will happen. That is the first time in this sorry saga something has gone in my favour.

 

I am not Bankrupt now and do not owe any money for costs, the actual direct debits will be paid by my daughter through my account. This was not my debt and I am sure Lowell knew that in the end, why else would they cover the costs, I had so much evidence in the form of letters to and from Capital and Lowell in my daughters name and I honestly thought, like yourselves ,I would be looking at compensation.

 

Just this week someone pushed a note through my door to ask me to contact them urgently and when I did it was someone wanting to discuss my Bankruptcy. As one of my family works away from home you can imagine the panic.

 

I will be making the OFT aware of my treatment both by Lowell and the Courts. I will contact the Financial Ombudsman and Michael Meachers Office for him to take this to Central Government. Thank you so much for all your help,I was only able to put up the fight with a good defence (even though the Judge said otherwise) with your help.

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Hello foggy - that is a relief that you are not bankrupt.

 

Yes, do please make complaints to your MP, the FOS and OFT in respect of Lowells behaviour throughout this. It is absolutely ridiculous that you could be held responsible for your Daughter's debt !

 

You will have to make a separate complaint through the Court's own complaint system.

 

http://www.justice.gov.uk/contacts/hmcts/courts

 

It is the 2nd link under Enquiries there is a link "courts" at the end of that section. You will be directed to another page, where you need to scroll down and find the court in question.. Of course you should also raise this issue with your MP.

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Glad you managed to sort out and that Lowells have incurred costs they won't get back.

 

Yes I think I would be complaining to the OFT about Lowells behaviour, but I expect that they will just explain that in the debt collection business they will encounter people who are not honest. Therefore they are correct to be sceptical about information they are given, unless they are provided with relevant evidence. Then there is an argument about what evidence there was, which was a bit complicated and people could take different views.

 

Definately worth speaking to Michael Meacher to see if he thinks it is worth taking this further.

We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

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