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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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      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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Payday Battle


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Hi again, good job with TXT Loan, I have found them fairly helpful with me aswell actually.

 

I have sent my email to Payday Express so thanks for that one - still awaiting a reply.

 

Thank you for being so helpful!

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Chaps,

 

Txtloan have agreed to accept a payment of £117 at the end of the month to settle the debt, so no extra charges or interest.

 

Another one sorted and soon to be rid of! :D

 

I also got them to agree to an F+F of £79 - borrowed £200 and repaid £210 to date and they still wanted £192. Told them charges weren't on, they emailed back saying OFT say we can add these if we like and my reply was stuff that, spoke to a manager on the phone who swiftly wiped the charges and agreed to the £79 settlement at the end of the month.

 

Minicredit could learn a thing or two here..

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Guest Poguesy
Good job!! :)

 

Did you miss payments with them?

 

Aj2012

 

Originally due to repay the £117 in January but defaulted, so they setup the repayment plan at cost of £218.

 

I was going to intially accept it but thought why the hell should i give them an extra £101?

 

Took a little bit of arguing but got there in the end.

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Guest Poguesy

QuickQuid sorted!

 

It's a pain in the backside waiting for the original 3-month plan to default but at last i've got somewhere.

 

For anyone new, use [email protected] to sort out a repayment plan.

 

It's your best bet :)

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excellent well big done for getting rid of cheque centre uv done fab now dont give up onwards and forwards keep going i did it u can too and i want to read the post u have finally got rid of all of them like i did xxxxxxxxxxxxxxxxxxxxxxx:-D:lol::wink:

:violin::ban::lock1::bump::clock:
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Poguesy - HOW did you get a payment plan with Payday Express?? They are an absolute nightmare I am being hounded with phonecalls and emails from them about what I owe and they constantly add charges. I tried the email address you said and they just keep fobbing me off saying that I need to have lost my job or have a severe disability! I am getting knowhere with them they are driving me mad.

 

Has anyone had any dealings with Uncle Buck, having the same problem with them as with Payday Express completly refusing a repayment plan!

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Guest Poguesy
Poguesy - HOW did you get a payment plan with Payday Express?? They are an absolute nightmare I am being hounded with phonecalls and emails from them about what I owe and they constantly add charges. I tried the email address you said and they just keep fobbing me off saying that I need to have lost my job or have a severe disability! I am getting knowhere with them they are driving me mad.

 

Did you receive a written response from that email and if so what did they say?

 

Just stick to your guns and don't give in. Continue to send more emails of complaint to that address, tell them you refuse to pay anything over the loan amount and original interest.

 

Threaten them with various actions like they do to us.

 

Eventually they will give in. It just takes time :)

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This is one of the replies I received..

 

Thank you for your recent email and your request for a repayment plan.

 

Our accepted criteria for a repayment plan is as follows:

 

Severe Disability or illness (not excluding close family members)

Terminal illness or Mental illness (not excluding close family members)

Deceased (not excluding close family members)

Redundancy or Reduced hours (contractual hours reduced by company)

 

If your financial circumstances have changed due to one of the above, we would be able to consider a repayment plan.

 

We will require you to send in bank statements covering the last 2 months to show that you are now in receipt of either financial support or a reduced wage. If you are now unemployed we will also need to see proof of unemployment or redundancy. If your contractual hours have been reduced by your employer, we would need to see a letter from your employer confirming this. Alternatively if your circumstances have changed due to personal illness we will require evidence in the form of a doctor’s note or hospital letter, as well as the bank statements.

 

Please be advised that if you do not fit the above criteria or you are unable to provide documentation, a repayment plan is unlikely to be considered.

 

Should you wish to discuss these options or your account please call our office on 0115 908 1163 and one of our advisers will be able to assist you.

 

Please do not hesitate to contact us should you require any further information.

 

Thank you

 

 

I emailed back explaining again about why I required a repayment plan etc etc and just got the same thing back again and the suggestion I used their extend and repay plan which is not what I want to do!

 

I will keep on it and threaten some more! Just wish all the phonecalls would stop to be honest

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Guest Poguesy

Elhs,

 

They are quite stressful to deal with it but you get a good sense of relief once they back down and agreed to a plan.

 

In the few weeks in took me to get it sorted out with them i never did receive many phone calls. I believe they just pick and choose with each individual.

 

Anyways, keep me updated on how you get on :)

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Elhs,

 

They are quite stressful to deal with it but you get a good sense of relief once they back down and agreed to a plan.

 

In the few weeks in took me to get it sorted out with them i never did receive many phone calls. I believe they just pick and choose with each individual.

 

Anyways, keep me updated on how you get on :)

 

Yes they must do, they call my house phone and mobile about 10 times a day. I stopped answering my mobile but my parents are answering the house phone they are getting pretty annoyed about it!

 

I took a call today and the guy was so unhelpful, they have been ignoring my emails and he said to sort it out it must be over the phone and it didn't look good on me that I was refusing to speak to them on the phone and that he will continue to call me until I do so!! I may just have to break the rule of keeping it all in writing to get them off my back its a joke how much they harrass you. But you are right, I am looking forward to the day they finally give in and I can not have to see that number popping up on my phone!!

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Please don't phone PDE - don't fall for this trick

If there was one company not to ring it would be this mob

 

Have you thought about making a payment (even if just a small token) to them regardless, just thinking it may help ease of calls and get them of your back whilst a visit to CAB and complaint city is probably what is needed

 

My communication was regretably largely phone bound (there were no emails unless you count the generic ones) and as you can guess the conversations got quite distorted so don't go, unless you've a recorder

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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@elhs I hope you havent sent in ANY bank statements. They do not need them and are in fact breaking the data protection act. The most you need to send them is a simple income and expenditure form.

 

As for the phone. If they ring again, answer it and simply say:

 

" Please listen. Any and all communication to me from this second onwards in regards to any percieved debt i have with your company or representatives must be in written format via email or recorded delivery letter. Any phone calls or attempted contact outside of the written format stated, from you or your representative from this moment onwards will be considered ongoing harassment and the police will be informed".

 

If they interrupt, restate this, even if it means overtalking them and then hang up the phone.

 

You are falling right into their trap. They want you to make arrangements on the phone so there is no evidence that a payment plan was set up. Plenty of PDL's have arranged a repayment plan, only to add more charges and say that no plan was ever agreed upon.

 

Don't give in. Theres a very good reason why people say not to give in to them or deal with them by phone. We dont just say it for a joke.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Please don't phone PDE - don't fall for this trick

If there was one company not to ring it would be this mob

 

Have you thought about making a payment (even if just a small token) to them regardless, just thinking it may help ease of calls and get them of your back whilst a visit to CAB and complaint city is probably what is needed

 

My communication was regretably largely phone bound (there were no emails unless you count the generic ones) and as you can guess the conversations got quite distorted so don't go, unless you've a recorder

 

I will stand my ground! I think I may just have to find a recorder because I have alrady had three phonecalls this morning, its ridiculous.

 

I was intending on making a small payment at the end of this month when I get paid, before that I can't afford to. I have told them but they say until they get the payment it doesn't matter. I will just keep trying with them and report them, don't trust them at all

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@elhs I hope you havent sent in ANY bank statements. They do not need them and are in fact breaking the data protection act. The most you need to send them is a simple income and expenditure form.

 

As for the phone. If they ring again, answer it and simply say:

 

" Please listen. Any and all communication to me from this second onwards in regards to any percieved debt i have with your company or representatives must be in written format via email or recorded delivery letter. Any phone calls or attempted contact outside of the written format stated, from you or your representative from this moment onwards will be considered ongoing harassment and the police will be informed".

 

If they interrupt, restate this, even if it means overtalking them and then hang up the phone.

 

You are falling right into their trap. They want you to make arrangements on the phone so there is no evidence that a payment plan was set up. Plenty of PDL's have arranged a repayment plan, only to add more charges and say that no plan was ever agreed upon.

 

Don't give in. Theres a very good reason why people say not to give in to them or deal with them by phone. We dont just say it for a joke.

 

No I haven't sent any bank statements I did think it must be breaking some sort of protection act so I refused. Thanks for advice on what to say, I will do this next time they call. I know you are right just so hard with the phone ringing constantly! But I will take your advice you all know what you are doing much more than me! Thanks :)

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No payday loans , and in Lancashire....now I really do hate you lol

love it cheers asmilecostnothing the suns shining here in lancashire too its lovely even lovelier that i dont have any pdl anymore and i can pop on here to help out ....have a brill day all of u and yes it can bexxxxxxxxxxxxxxxxxxxxxxxx:lol::whoo: done
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Guest Poguesy

Elhs,

 

How you getting on with them?

 

Keep on getting complaints sent into [email protected], repeatedly every day if necessary.

 

Mention every possible thing you can mention, including the constant phone calls, and if any staff have been rude over the phone then do add that.

 

Hopefully, you'll get your letter or phone call from the customer care department within the next week or so.

 

It's nice when they actually turn round and apologise to you at the end of it all, and of course set the plan up :)

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No I haven't sent any bank statements I did think it must be breaking some sort of protection act so I refused. Thanks for advice on what to say, I will do this next time they call. I know you are right just so hard with the phone ringing constantly! But I will take your advice you all know what you are doing much more than me! Thanks :)

 

No probs. I know its hard. I did the same thing on the phone years ago when i racked up a lot of debt. Just stick with it and when it finally clicks with those morons that you arent going to be taken for a ride, it will be a HUGE weight off your shoulders.

 

Remember, you have a legal statutory right for ALL communication to be in writing should you need to prepare a defence for court. If they try to say otherwise, simply restate the above or hang up.

 

If they call again, make a log of the date and time of every call. This is the single most important thing you should be doing in regards to the phone calls, as you can contact trading standards/OFT/FOS and even the police and file a harassment suit against them.

 

If they do call, Pick up the phone for a few seconds so it registers with the telephone provider, then hang up. Do not converse with them. This way, should your case ever go to court, they can contact the provider for evidence of just how often they are ringing you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Don't mean to gatecrash your thread but had 3 successful negotiations paid today - Txtloan paid off F+F of £89.73 despite asking for £190, 1monthloan paid off at £76 despite wanting £134 and Wagedayadvance wanted £194, offered £55 and settled at £70.76.

 

Pleased with that, just minicredit and Cap Finance 1 to go, I've repaid minicredit £55 and 4 x £40 to Freds on their behalf, might say that's your lot with that one. Only one I need to make inroads to is CFO but they're a nightmare.

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Elhs,

 

How you getting on with them?

 

Keep on getting complaints sent into [email protected], repeatedly every day if necessary.

 

Mention every possible thing you can mention, including the constant phone calls, and if any staff have been rude over the phone then do add that.

 

Hopefully, you'll get your letter or phone call from the customer care department within the next week or so.

 

It's nice when they actually turn round and apologise to you at the end of it all, and of course set the plan up :)

 

Hiya

 

I have sent about 2-3 emails a day. I finally got a reply today but it just asked for an income expenditure form, so will do that and then see what happens. can't believe how long it is taking!!

 

Can't wait for that day I really can't!! How have you been getting on?

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No probs. I know its hard. I did the same thing on the phone years ago when i racked up a lot of debt. Just stick with it and when it finally clicks with those morons that you arent going to be taken for a ride, it will be a HUGE weight off your shoulders.

 

Remember, you have a legal statutory right for ALL communication to be in writing should you need to prepare a defence for court. If they try to say otherwise, simply restate the above or hang up.

 

If they call again, make a log of the date and time of every call. This is the single most important thing you should be doing in regards to the phone calls, as you can contact trading standards/OFT/FOS and even the police and file a harassment suit against them.

 

If they do call, Pick up the phone for a few seconds so it registers with the telephone provider, then hang up. Do not converse with them. This way, should your case ever go to court, they can contact the provider for evidence of just how often they are ringing you.

 

Thanks, actually I just started a log but didn't think to actually answer then hang up, will do that. They are still calling even though I have said what you wrote before!! They are a nightmare!

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Don't mean to gatecrash your thread but had 3 successful negotiations paid today - Txtloan paid off F+F of £89.73 despite asking for £190, 1monthloan paid off at £76 despite wanting £134 and Wagedayadvance wanted £194, offered £55 and settled at £70.76.

 

Pleased with that, just minicredit and Cap Finance 1 to go, I've repaid minicredit £55 and 4 x £40 to Freds on their behalf, might say that's your lot with that one. Only one I need to make inroads to is CFO but they're a nightmare.

 

Capital Finance - good luck!! They took over £600 out of my account when I got paid despite the fact I had a repayment plan with them and are still refusing a refund. be very very careful with them. MT Collect is the debt collecter they hand over to (although I am pretty sure it is just a division of their company not a seperate company). They were quite rude at first but I finally spoke to someone who was really helpful and set up a payment plan of £20.00 a month straight away for me and I haven't had problems with them so far. Problem with Cap Finance I found is that they have never once answered any of my emails. So I was forced to do it over the phone - which as you can see from here is NOT the way to do it!

 

Do you have a repayment plan with Minicredit? I'm having so much trouble with them, they refuse every payment plan I suggest!

 

well done on your other negotiations :) don't worry I completley gatecrashed this thread aswell!!

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