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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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Harrassed by Lowell - Debt not mine


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Hello,

Well I have had a response from Lowell and after reading it carefully I feel they have second guessed the outcome. They contradict themselves and the rest is just untrue. I have kept all my dealings with all parties and crucially my correspondence with the Court. I hope that the FOS will take this case on .I have replied just to say I have passed my complaint to the FOS

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Hi foggy,

Can you post up a redacted copy of the letter please?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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They state the Bankruptcy was Annulled and Dismissed by the Request of Lowell.

They dismiss statute barred because I acknowledge the debt with the first payment.

It is only my belief that the account is in my daughters name.

They have signed evidence from Capital One.

Lowell paid all costs as a gesture of goodwill.

I set up a repayment arrangement with Stephen Hunter which led to the annulment and dismissal at Lowells request.

They will start chasing the debt again after 28 days and trust I will not go to the FOS.

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Thank you for that info on "Gesture of Goodwill" so it means then, I take it, that they paid all costs because of the evidence, which proved they were in the wrong, and not because they were consumed with Goodwill. Stephen Hunter knew that and as I said before I had the feeling he would not take subsequent payment, although he had relevant Bank Details. I still have the e-mails of my discussions with him and everything was in place for Lowell to take payments and facilitate my account. They failed to act on this.

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If the FOS did take this complaint on, they would have access to all documents from Lowells and could see how they have come to the conclusions they have. If the FOS reject the complaint, it will be because a court has touched it and considered some of the matters which you are asking the FOS to look at.

 

Has your daughter made an SAR request to CapOne ? If not, it may be worth doing so and asking for all data for the account, particularly everything related to the start up of the account.

We could do with some help from you.

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If you are loath to recommend the FOS what are my best options of redress. Court has proved to be a minefield and large companies have the best Barristers something the little people cannot afford.

I have not heard yet whether the FOS are willing to take on this case.

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We have all Data for the account, letters from Capital One and her replies (when she first got into difficulties). Activity in her Bank Account to Capital One. The name of the person she was dealing with at Lowell once they took over the debt. Surely the FOS would also look at our evidence???? maybe not in this real world.

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The FOS are ok to deal with if the matter is straightforward, but anything complicated can take years. A court process would be quicker, but obviously with cost implications. You might wish to have a look into pro-bono lawyers or local legal advice centres. There are many newly qualified barristers/solicitors and retired barristers/solicitors who provide their time, purely out of public service duty and because they are interested in dealing with certain cases. The might just be interested in a case where an innocent third party was almost made bankrupt. Your local MP might be able to assist.

We could do with some help from you.

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We have all Data for the account, letters from Capital One and her replies (when she first got into difficulties). Activity in her Bank Account to Capital One. The name of the person she was dealing with at Lowell once they took over the debt. Surely the FOS would also look at our evidence???? maybe not in this real world.

 

So this totally confirms that it was your daughters account and there can be no question it was not her acount ?

We could do with some help from you.

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Hi foggy yes suitably 'censor' the letter please.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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 foggy yes suitably 'censor' the letter please.

 

Hello.

Well I have taken some free advice and it was interesting. On the Set Aside Legal Courts decision it says the reason for the Setting aside was on Evidence Produced in Court. It would appear that I no longer have to fight with Lowell on whose debt this is as it was decided in a Court of Law. The setting aside and dismissal was ruled on evidence submitted and not at the Lowell Group request as they have stated.

I was advised to contact them and advise them of the Setting Aside and Dismissal ruling and give them a figure of compensation which I would be willing to accept.This gives them a chance to settle before I take this further.I quoted £20,000 as advised.

All that I have to prove now is that I was treated unfairly and if the FOS and or a solicitor take this matter to a conclusion it would cost the Lowell Group Mega Bucks. Can this be correct? we will see because I do intend to fight to a conclusion once and for all.

Needless to say Lowell have not replied.

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Sound about right. You might find a Solicitor who is willing to take this to court for you at no financial risk to yourself, because they could earn a fair amount in fees in doing so.

We could do with some help from you.

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What a disgusting state of affairs. My opinion of Lowell was already low before reading this thread. It beggars belief that a company, supposedly governed by OFT, can behave in such a despicable way. I hope you get every penny you sue them for Foggy.

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So is this your daughters acount or not?

 

I have been hounded by a number of DCA's for the last 7+ years as I have one of the most commom names in the country. One has even placed a default on my Credit File. I am trying to find evidence on this happening to someone else and what they did. I have great advice from memebers already about letter to send but wanted to find anyone who has actually taken these **** to court and won.

 

So was this account your daughters?

 

Thanks

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Yes, Stockport, his daughter has the same initail as he does hence Lowlife's insistence that he was the debtor. A cursory glance at the original agreement with Crapone would show this to be so but they had his address, realised he had assets so went after him in the most vicious and crooked manner possible.

It will take years but I sincerely hope foggy gets the result that would reaaly count, a big fine for Lowells and their public shaming. People like that hate nothing more than public scrutiny- just look at insects under a bright light and a magnifying glass and you get the idea.

These people know that you generally speaking these people know that the threat of unlimited costs causes the wronged poor to often give up and pay up. I must also say that the bias of judges in cases like this is not unique. I had it on one occasion where I was asked my occupation in an aggressive manner and when I replied retired the aggression continued. Only when I made it clear that I was a retired army officer, university lecturer and company director did the attitude to me change. Very much a differentiation between the officer class and the enlisted ranks with many of these. Judges who practised criminal law tend to have a better understanding of life in general but they are few and far between in these courts.You get it all the time in certain sports and hobbies as well, golf clubs v golfing societies, shooting at Bisley compared to shooting at smallbore ranges etc.

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  • 4 weeks later...

Hello,

Sorry its been a while but I have been waiting for a response from the FOS. I have been liaising with Lowell if that is the right word, seeking compensation and above all clearing my name. They requested court documents, which I provided copies of, too Lowell and they clearly state after evidence read in Court that the Bankruptcy Order be set aside and dismissed.The outcome was according to Lowells this debt was still active for a further six years because I acknowledge the debt with the first and only payment they took but as a goodwill gesture they would cease chasing this debt. Yea right that would be until the next set of managers took over and the whole sorry saga would begin again.

I had already sent my case to the FOS and therefore told Lowell that I was continuing my complaint through the FOS.

Well they must be rubbing their hands with glee because the FOS say Lowell have stated this was about a case that had already been heard in Court knowing I am sure that the Ombudsman will not take that on. I made it clear that this was not about the Court case because that had finished but a new complaint about Bullying and Harassment for a debt that is not mine. They have chosen to believe Lowell. I have written asking them to explain how they came to this conclusion because they also say they have read correspondence between myself and Lowell well if they have they would know it was not about the Court case but the continued bullying and harassment. by Lowell. I will not stop here though and I will let it be known that the FOS are unwilling to help when it is blatantly obvious Lowells are breaking debt collecting law.I have asked the FOS to put in writing how they reached this decision and also to refer my case to an adjudicator or supply me with the name and I will do it myself. I am not expecting anything from them but i will have explored every avenue. I am not giving up I will fight on.

Thank you for listening I will keep you updated.

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