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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
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Bank has preempted my court action and is taking ME to court


m55dlc
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  • 2 weeks later...

And the plot thickens. I'm awaiting for judgement on my counterclaim after their claim was thrown out then out of the blue I get a pre-court questionnaire from Lloyds TSB over a different account, this time telling me that they will file for £490.00

 

Are these people stupid, or do they think they will intimidate me a second time. I've recalculated what they owe me and it is currently over £21,000.00. I am getting default notices removed following my last claim, this time I'm going for the whole lot - warts and all. I've sent them a letter that basically states if I hear anything else about this claim I will counterclaim for the whole amount, and will file a MoneyClaim anyway by the 10th January if not settled in full by that time.

 

My claim is for more than just charges, I've got fraud etc etc (see above). I actually want to go to court, this is not about the money anymore. They've made personal attacks and I will defend, I will also have the last laugh, irrespective of whether I win or loose.

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Retaliatory or stupid? Do they check their records before issuing more inane litigation? If I successfully defended a claim for £2650 less than a month ago, do they actually believe I wouldn't defend a claim for £490?

 

It beggars belief

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I have been reading this thread with great interest - the stupidity of these companies makes me laugh - they of course realise they are wrong and still try to intimidate!!

 

I know you'll defend and win this - so glad you won't back down and let these people have their own way!!

 

Goodluck - have a happy Christmas holiday I am sure you will battle on in the new year!!!

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  • 3 weeks later...

Right, time for an update:

 

LTSB sent me a nasty letter in December 2006 threatening court action over the £490.00 debt. I phoned Collections in Brighton and informed them of the situation. I said at that time that any moneyclaim filed against me will result in an immediate (10 minutes after receipt) counterclaim for over £21,000 including 3 breaches under the DPA, 3 breaches under the CCA and 1 count of theft, along with tampering with a computer system (not sure if this is just under the DPA or fraud as well). Bloke from LTSB wanted details of all of this, including evidence, but I told him no go. I also told him that I will file a moneyclaim for all of this anyway, when I get judgement on my counterclaim from the last moneyclaim they issued. LTSB has frozen action for a month pending further investigations (and we all know how thoroughly they investigate don't we!).

 

I hadn't received any response from my letter dated 11th December 2006 to Reading County Court asking for judgement on my counterclaim, so I called them on the 5th January 2007. The person I spoke to cited delays over the festive period and that the matter would be dealt with in a week or two. Yesterday I received the following response from the court:

 

'Upon reading a letter from the Defendant(s) dated 11th December 2006

 

WITHOUT NOTICE IT IS COMMENTED AND DIRECTED

 

- Any application for judgement on Counterclaim will have to be on notice, as the DETAILS of any order will have to be specified'

 

Now, if we go back a bit on this saga, I didn't send in any supporting documentation to the courts as LTSB ([problem]) failed to send in their AQ and I effectively won by default. Am I right in assuming the response from the court is an invitation to submit evidence? If this is so, what exactly do I need to send in? I've built up a few pieces from CAG, but a checklist (or pointers) would be greatly appreciated.

 

The saga continues to continue, but my sense of being wronged doesn't diminish

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OMG:o

This thread is better than any Soap. Tracey can kill Charlie..Tom King is still dead, but this is holding my attention much more closely.

I am keeping everything crossed for you and watching with great interest.

dont drop off the site now...we are addicted.

GOOD LUCK.

Jo 'n' Mick.:grin::grin:

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M55DLC

I've been reading all your posts and am dead interested I,m taking the RBOS for a little bit more than you are taking Lloyds, I' like to throw in something to add to your pot.

The oft guide lines state that

1...a creditor should refrain from using one debt collector after the other

2...they have to give you notice that they intend to pass the debt on to a different debt collector,

3..because this amounts to harassment under the Protection from Harassment Act 1997

 

A county court has just awarded a woman £37 :000 for harassment by her mother in law under this Act, worth thinking about that.

 

Sparkie1723

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  • 3 weeks later...

I'm still watching this with interest too as we are in similar circumstances. Though my own claim suffered a setback today as I was led to believe I would be getting judgement by default but now a hearing date has been allocated

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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Hi, just wanted to subscribe to this v.interesting thread and say good luck.

Likewise, and good luck with your claim

 

keep us posted!!!!!:)

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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I've had one S.A.R - (Subject Access Request) ignored (Dec 2004) and one partially fulfilled. They have deleted entries from their records - one of which is really dumb as I have a letter from them quoting their entry -

 

Just subscribing, good luck!

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Just subscribing, very similar case to my own so would like to stay tuned -good luck

TC

LSTB (business) S.A.R - (Subject Access Request) received 10th Dec prelim + Contractual interest claim sent 10th Jan07 £5k + change

Received partial reduction mount of £5,563 against loan & overdraft of £18k i.e. 30% reduction. Next step PPI's & managed loans. Jan 07

 

LSTB (Girlfriend) prelim sent 10th Jan07 1st account £670

Received partial refund into account of £457 9th Feb, sent rejection letter. donated 5% 10th Feb

LSTB (Girlfriend) prelim sent 10th Jan 07 £1,450

HSBC S.A.R - (Subject Access Request) sent 27th DEC (approx £3000)

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I'm only a few steps away from MCOL for 3 accounts too. Watching with interest.

Lloyds TSB (C.Acc) **WON - Fully Settled**

NatWest - £1367.96 - N1 Filed - AQ Compl

Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected

Lloyds TSB Credit Card - £373.48 - N1 Filed

MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

Paragon Personal Finance - S.A.R 15/12/2006

Littlewoods - £834.43 - N1 Filed

Barclaycard - £1145.00 - N1 Filed

My Wife:

Natwest Current Account - £1197.98 - N1 Filed at Court

Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **

Littlewoods - £1405.48 - N1 Filed

8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)

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  • 2 weeks later...
Right, time for an update:

 

LTSB sent me a nasty letter in December 2006 threatening court action over the £490.00 debt. I phoned Collections in Brighton and informed them of the situation. I said at that time that any moneyclaim filed against me will result in an immediate (10 minutes after receipt) counterclaim for over £21,000 including 3 breaches under the Data Protection Act, 3 breaches under the CCA and 1 count of theft, along with tampering with a computer system (not sure if this is just under the DPA or fraud as well). Bloke from LTSB wanted details of all of this, including evidence, but I told him no go. I also told him that I will file a moneyclaim for all of this anyway, when I get judgement on my counterclaim from the last moneyclaim they issued. LTSB has frozen action for a month pending further investigations (and we all know how thoroughly they investigate don't we!).

 

I hadn't received any response from my letter dated 11th December 2006 to Reading County Court asking for judgement on my counterclaim, so I called them on the 5th January 2007. The person I spoke to cited delays over the festive period and that the matter would be dealt with in a week or two. Yesterday I received the following response from the court:

 

'Upon reading a letter from the Defendant(s) dated 11th December 2006

 

WITHOUT NOTICE IT IS COMMENTED AND DIRECTED

 

- Any application for judgement on Counterclaim will have to be on notice, as the DETAILS of any order will have to be specified'

 

Now, if we go back a bit on this saga, I didn't send in any supporting documentation to the courts as LTSB ([problem]) failed to send in their AQ and I effectively won by default. Am I right in assuming the response from the court is an invitation to submit evidence? If this is so, what exactly do I need to send in? I've built up a few pieces from CAG, but a checklist (or pointers) would be greatly appreciated.

 

The saga continues to continue, but my sense of being wronged doesn't diminish

 

M55! You're a dark horse! Been posting on my MBNA thread, had no IDEA you had all this going on!! Crikey, I am going to need you I think, if you don't mind!

 

Any update on the situation now?

 

Love, Corn xxx:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Right, time for an update:

 

LTSB sent me a nasty letter in December 2006 threatening court action over the £490.00 debt. I phoned Collections in Brighton and informed them of the situation. I said at that time that any moneyclaim filed against me will result in an immediate (10 minutes after receipt) counterclaim for over £21,000 including 3 breaches under the Data Protection Act, 3 breaches under the CCA and 1 count of theft, along with tampering with a computer system (not sure if this is just under the Data Protection Act or fraud as well). Bloke from LTSB wanted details of all of this, including evidence, but I told him no go. I also told him that I will file a moneyclaim for all of this anyway, when I get judgement on my counterclaim from the last moneyclaim they issued. LTSB has frozen action for a month pending further investigations (and we all know how thoroughly they investigate don't we!).

 

I hadn't received any response from my letter dated 11th December 2006 to Reading County Court asking for judgement on my counterclaim, so I called them on the 5th January 2007. The person I spoke to cited delays over the festive period and that the matter would be dealt with in a week or two. Yesterday I received the following response from the court:

 

'Upon reading a letter from the Defendant(s) dated 11th December 2006

 

WITHOUT NOTICE IT IS COMMENTED AND DIRECTED

 

- Any application for judgement on Counterclaim will have to be on notice, as the DETAILS of any order will have to be specified'

 

Now, if we go back a bit on this saga, I didn't send in any supporting documentation to the courts as LTSB ([problem]) failed to send in their AQ and I effectively won by default. Am I right in assuming the response from the court is an invitation to submit evidence? If this is so, what exactly do I need to send in? I've built up a few pieces from CAG, but a checklist (or pointers) would be greatly appreciated.

 

The saga continues to continue, but my sense of being wronged doesn't diminish

 

M55! You're a dark horse! Been posting on my MBNA thread, had no IDEA you had all this going on!! Crikey, I am going to need you I think, if you don't mind!

 

Any update on the situation now?

 

Love, Corn xxx:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Corn, things have gone quiet. I've got Moorcroft hastling me and an issue with a GE Capital card (taking me to court) and my wranglings with MBNA - so Lloyds TSB are on the back burner. They are threatening to take me to court over £498.00, so - sod it, let them! (I'll go for the whole lot then).

 

Bankfodder was very helpful with the original LTSB stuff, I'm just kicking myself for just getting the default stuff done (that reminds me, I must phone the courts on Monday to see what the hell is going on).

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Corn, things have gone quiet. I've got Moorcroft hastling me and an issue with a GE Capital card (taking me to court) and my wranglings with MBNA - so Lloyds TSB are on the back burner. They are threatening to take me to court over £498.00, so - sod it, let them! (I'll go for the whole lot then).

 

Bankfodder was very helpful with the original LTSB stuff, I'm just kicking myself for just getting the default stuff done (that reminds me, I must phone the courts on Monday to see what the hell is going on).

 

Bloody hell hun, enough going on???!!!! Give us a shout if you need an ear!! Keep us posted xx

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Hi - had to respond on this - desperately trying to find out how Lloyds (b Horse) managed to take me to court and win (see other thread) with my evidence of their false data and behaviour, and no sight of my counter claim - even a second judge would not look at it so I'm really depressed about it, finding the bill higher now than the orig loan- good luck with this one!!!

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  • 1 month later...

subscribing

You may think that but . . ......

____________________________________

Total repaid to date £1947.58

 

Lloyds Currrent a/c £745.27

Moneyclaim filed 17th June

Defence and AQ 25th July. Case struck out 11 Aug

reinstated and hearing 15th Jan 2007

 

Lloyds loan a/c D A request expired 19th June

Proceedings under S7 Data Protection Act issued 29th June defence and counterclaim 27 July

Hearing Jan 3 2007

Listed final hearing April 2007-

Judge declared an interest and disqualified himself

new date to be set

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