Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Payday Battle


Guest Poguesy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4410 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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!

 

They are a nightmare. Remember, they are loan sharks with a license. They will do anything they can to bully and harass you to pay back more than you owe and to agree to repayments you cannot afford. As i said before, answer the phone as normal, ask who is it. If they say theyre from a PDL, then simply hang up and record the date and time along with the PDL name, or state that you have no wish to talk to them by phone, and hang up and record.

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

Link to post
Share on other sites

  • Replies 114
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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!!

 

 

How did they take the £600. Because You could be able to sue them or contact the police for theft, since you did not agree to them taking payment, and they refuse to refund it. There are ways around it, but we'd need to know the method of payment first.

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

Link to post
Share on other sites

Guest Poguesy
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.

 

Bloody gate crashers! :p

 

Well done, so far :D

Link to post
Share on other sites

Guest Poguesy
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?

 

You're doing great and you'll get there eventually :)

 

I'm still having problems with the Money Shop but everything else is sorted.

 

Think i'll try a f+f with them at the end of the month and see what they say.

Link to post
Share on other sites

Guest Poguesy
Shows that the main question you need to ask yourself before taking out loans like this is: are you organised and can you pay them back properly?

 

I agree.

 

I've noticed many people state they can't pay back due to "unforseen circumstances" but in reality we all just took them out without thinking and knowing we can't pay it back.

 

I'm not ashamed to admit doing so.

Link to post
Share on other sites

Neither am I! my stance is we had the money in the first place and it needs re-paying Though I hate the charges they put on the paying people - that will never be justified I've now repaid 5 out of 6 and believe not one company has suffered

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.”

 

:-)

Link to post
Share on other sites

Me neither, i admit to being rubbish with money. However had I not lost my job, I may well have been able to clear them all off by now. In the current climate with wage cuts, reduced hours and jobs going the risk of those unforseen circumstances vastly increases

Link to post
Share on other sites

How did they take the £600. Because You could be able to sue them or contact the police for theft, since you did not agree to them taking payment, and they refuse to refund it. There are ways around it, but we'd need to know the method of payment first.

 

My debt had been handed over to MT Collect and I had set up a repayment plan with them (unfortunatley by phone) I requested a letter or email confirmation which I didn't receive. Then on my payday Capital Finance took over £600 in several transactions. When I rang MT Collect they said it was nothing to do with them as Capital Finance took the money. Spoke to Capital Finance after going back and forth for a week or so they then told me I had violated the contract by applying for other loans with them while I had my current one (which I never did!) My bank said if I had proof of the payment plan they might be able to help but of course that never arrived.

 

I have continued to send emails but they have all been ignored so far. Apparently for 33 days after they hand the debt to MT Collect they reserve the right to try for part or all of the payments - I wasn't told this. I have no idea what else to do now!

Link to post
Share on other sites

Shows that the main question you need to ask yourself before taking out loans like this is: are you organised and can you pay them back properly?

 

Good on you for being one of the people who are doing it the right way!

 

Completley agree, I never looked far enough into the future to realise I wouldn't be able to pay this back. Am terrible with money but buried my head in the sand for far too long! Have learnt my lesson the hard way though

Link to post
Share on other sites

Also - has anyone had any dealings with Mini credit? I received a letter yesterday FINAL DOORSTEP COLLECTOR NOTICE. It says that I will be visited by 30/03 for the payment. When I spoke to them earlier in the week by email I said that this was illegal and they needed a court order but they told me that it is different as it is not a bailiff and the person just comes and asks for the money and leave with or without the money. Is this true, can they do this? My parents unfortunatley opened the letter and are extremely distressed by the thought of someone coming to the door especially if I am not here. Feel awful having put them in this situation.

Link to post
Share on other sites

Simply send them a letter back stating that you revoke all permission under common law for themselves or their representatives to come on to your property. If they do come on to your property or knock on your door, then they will be committing trespass and the police will be called.

 

If they ignore this and they do come and knock on the door, tell them in whatever way you like to go away. If they dont, then call the police. If you open the door and they try to stop you closing it, call the police and state that you have an intruder and you fear for your life.

 

As one of the admins on this site rightly said,when it comes to doorstep collectors, or indeed ANYONE apart from the postman or legal authority (such as court appointed baliff or the police) , your next door neighbours cat has more legal rights then them.

 

Sent them the email or letter clearly stating this. DO NOT PHONE THEM AND TELL THEM.

 

If they do turn up ( its very unlikely they will), do as i said above. Tell them in no uncertain terms and whatever english words you like where they can go, and call the police immediately if they will not leave or if they even try to enter your property or stop you closing your door.

 

Please note, property includes gardens, houses, cars or any other place you may be located at that belongs to you.

 

 

Again, they are NOT allowed onto or into any of your property. If they do, they are committing a criminal act and you should treat it as such. Tell your parents do not worry as they have no legal rights and the law is 100% on your side. If they have any doubts, tell them to come and visit this website and check the multiple guides on dealing with doorstep collectors.

 

You can even go to http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DG_10034289 and read the regulations for yourself. You should also note, that since they say they can visit, you are also legally able to revoke all permission for them to come to your property. Same as you would for anyone else you dont want on your land.

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

Link to post
Share on other sites

Good to know, thanks! I have spoken to them on the phone already (I did record it) but I will also send a letter and email. I hope it won't come to them actually turning up but thanks for the advice if they do

Link to post
Share on other sites

I edited my post to give a bit more detail.

 

Also, in future, don't use the phone. You may be recording the conversation, however they can easily say that the person who answered was not authorised to deal with the situation and as such its null and void. Thats why this site and any legal representative will always say to make sure it is always dealt with in writing, as well as written details being the best way to keep a good dossier of evidence.

 

Keep us updated.

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

Link to post
Share on other sites

Thank you, I will get my parents to look on here that should ease their worry somewhat. Ok, I have now sent an email stating this and am composing a letter aswell to send them. Will let you know what happens!

Link to post
Share on other sites

Hi Guys looks like many people having problems with this company and i am one many also, so far its been enjoyable in the fact they don't seem understand what Data Protection Act means to them and they feel they can break the law on that they also like feel scaring customers into paying full up or be sent to debt recoverty team who is Money Shop !!! that funny because they parnters also so far been sent to head office Express Finance who again just make be laugh to.

Link to post
Share on other sites

Guest Poguesy
Also - has anyone had any dealings with Mini credit? I received a letter yesterday FINAL DOORSTEP COLLECTOR NOTICE. It says that I will be visited by 30/03 for the payment. When I spoke to them earlier in the week by email I said that this was illegal and they needed a court order but they told me that it is different as it is not a bailiff and the person just comes and asks for the money and leave with or without the money. Is this true, can they do this? My parents unfortunatley opened the letter and are extremely distressed by the thought of someone coming to the door especially if I am not here. Feel awful having put them in this situation.

 

From other posts it would appear they don't actually do this, but do add charges for it.

 

You'll probably have to wait until this **** pass it onto a debt collector.

Link to post
Share on other sites

From other posts it would appear they don't actually do this, but do add charges for it.

 

You'll probably have to wait until this **** pass it onto a debt collector.

 

And if it EVER gets to court, those charges will be completely wiped from the debt.

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

Link to post
Share on other sites

:whoo:

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

Link to post
Share on other sites

Congrats to all. It shows that knowledge and dogged persistance wins all.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...