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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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 4) 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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County Court Claim - Hillesden Securities


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Hi, Please could some one help,

 

I have received a county court claim from Hillesden Securities for £16000,

 

It was for a loan from Lloyds which I couldnt pay due to difficulties I havent been paying since 2007.

 

It states on 15/07/2011, all legal and beneficial interest for monies was assigned to Hillesden Securities Ltd,

 

I couldnt find any old statements and im not sure if its statue barred, is there any way i cant find out?

 

Please could someone advise me on how to defend this,

 

i have 10 more days to acknowledge.

 

thanks

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If the last payment you made was in 2007, then it will not be statute barred.

 

Statute barred timing is 6 years from the first payment missed (or last payment made + 1 month)

 

If a claim has now been issued you need to decide whether you are going to defend and on what grounds or admit and make some attempt to come to a payment arrangement.

 

You have a strict time line to adhere to.

 

Issue date (top right of claim form) + 5 days for service + 14 days to acknowledge the claim + 14 to submit defence = 33 days from date of issue.

 

What exactly does it say the claim is for ?

 

You will need to obtain as much information as you can. If a document is mentioned in the Particulars of claim, then you can send a CPR31.14 request to the Claimant's solicitor for that document.

 

You will need to obtain at the very least a statement of account showing how they have arrived at the amount they are claiming.

 

Did you ever receive a Default Notice, Formal Demand, Letter before Action.

 

There are some instructions to follow in the pdf below.

 

 

legal issues-compilation.pdf

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

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

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Do you know if there was any payment protection insurance on this loan. Have there been any default charges applied to the account.

 

Have you been receiving Notice of Arrears notifications.. from 2008 they should have been sent to you at least once a year.

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5: Forum rules - These have been updated - Please Read

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

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Have a look at my thread, similar situation.

 

As mentioned above you need to acknowledge, and send the CPR letter to the claimant ASAP. If defended correctly, it will all hang on whether the claimant has all the correct paperwork to back up their claim.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?331683-Defending-CC-Claim-Hillesden-Securities-Ltd

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Hi sorry for the late reply,

here are the POC.

 

The Claimant's Claim is in respect of a credit facility, xxxxxxxxxxxx,

privided by Lloyds Tsb Bank Plc at the Defendant's request on xx/11/2003.

The agreement was subsequently defaulted.

Failure to meet requests for payment resulted in the account being terminated. On xx/06/2011,

all legal and beneficial interest for the monies was assigned to Hillesden Securities Ltd.

The Defendant was duly notified in writing of the assignment and that a balance of xxxxx was due.

The balance of xxxxx remains owing from the defendant.

 

also to make things clearer i have a property in joint name which we live in and is mortgaged with approx £60,000 equity, will i lose my home?

please could some explain the procedure as I have no experience at all,

 

from what I have read on the forums I understand i should send the acknowledge the claim from the website,

should I tick

1. I intend to defend all of this claim? and do I fill in the form N9B defend and counterclaim?

 

what should I right in the defence section?

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Hi Bigdebtor and welcome to CAG.

 

I assume this is a claim from Northampton and as such you can respond on line using the MCOL website.Firstly as per CB,s time line above you only need to acknowledge and enter you plea for now.Have you ever received a Default Notice or Notice of Assignment with regards to this debt?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi Andy thanks for your reply.

Yes this claim is from Northampton,

 

I think I might have received the default notice and the letter of assignment some time ago but I cant confirm this as i dont have it now,

 

also in resposnse to CB's question Im not sure if I had payment protection insurance on this loan I couldnt find any statements,

would I be able to find out what charges they have added and If I had any PPI on the loan by sending CPR31.14 request to the claimants solicitors?

also do I need to request SAR from the lender?

 

Thanks

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you'd be pushed to get an sar back in time if they take the full 40days

 

maNY creditors now do a ppi hotline

 

why not give them a ring and ask if you had ppi and then if you you do get fwd motion

ask if there are any penalty fees levied too?

 

they might just send you the statements PDQ.

 

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 dx thanks for the info, i will try to find the hotline tomorrow and will let you know, thanks, but if I do get a hotline number and call them and give all my info will this mean I will accept the debt, just incase if it is SB. or unenforceable for any reason?

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a PPI reclaim is nothing to do with acking a debt.

 

it might just wipe it out

or

give you a very good counter claim that blows then out the water and then drop it.

 

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 dx thanks for your help. This morning I called the Lloyds PPI helpline but they couldnt verify anything on this account they said I need to go to a branch or call the loan department for specific details about the loan, what would you advise me to do next?

 

thanks

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I would send a section 78 request for a copy of the agreement, thats only 12 days and will show (if they have a copy) if PPI was levied to said agreement.

 

Andy

We could do with some help from you.

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Its in the library section BD letter N from memory.If they don't have it they are going to struggle.

 

Andy

We could do with some help from you.

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Thanks alot andy, is it section 78 of the CCA? Yes credit cards are sec 78 Do I need to send a cheque for £1? Postal Order better no signatures also do I send it to the original lender or Hillesden?
The Claimant on the summons Its also important to head the request " I do not acknowledge any debt with your company"

Send recorded delivery and retain proof, dont sign it with your usual signature.

 

Andy

We could do with some help from you.

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Hi Guys, Please could someone look through the cpr request below and let me know if its ok? is it ok to add the Doc number 5, Statements, to substantiate that the amount is correct? or should I leave this out? thanks

Dear Sir,

Re: Hillesden Securities LTD v XXX XXX Case No: XXXXX7

CPR 31.14 Request

On 0X/0X/2012 I received the Claim Form in this case issuedby you out of the Northampton County Court.

I confirm having returned my acknowledgement of service tothe court in which I indicate my intention to contest all of your claim.

Please treat this letter as my request made under CPR 31.14for the disclosure and the production of a verified and legible copy of each ofthe following document(s) mentioned in your Particulars of Claim:

1 The agreement. You will appreciate that in anordinary case and by reason of the provisions of CPR PD 16 para 7.3, where aclaim is based upon a written agreement, a copy of the contract or documentsconstituting the agreement should be attached to or served with the particularsof claim and the original(s) should be available at the hearing. Further, thatany general conditions incorporated in the contract should also be attached.

2 The assignment

3 The default notice

4 The termination notice

5 Statements, to substantiate that the amount iscorrect.

You should ensure compliance with your CPR 31 duties andensure that the document(s) I have requested are copied to and received by mewithin 7 days of receiving this letter. Your CPR 31 duties extend to making areasonable and proportionate search for the originals of the documents I haverequested, the better for you to be able to verify the document's authenticityand to provide me with a legible copy. Further, where I have requested a copyof a document, the original of which is now in the possession of anotherperson, you will have a right to possession of that document if you havementioned it in your case. You must take immediate steps to recover andpreserve it for the purpose of this case.

Where I have mentioned a document and there is in yourpossession more than one version of that same document owing to a modification,obliteration or other marking or feature, each version will be a separatedocument and you must provide a copy of each version of it to me. Yourobligations extend to making a reasonable and proportionate search for anyversion(s) to include an obligation to recover and preserve such version(s)which are now in the possession of a third party.

In accordance with CPR 31.15© I undertake to beresponsible for your reasonable copying costs incurred in complying with thisCPR 31.14 request.

If you require more time in which to comply with thisrequest you must tell me in writing. You must tell me before the time for compliancewith this request has expired. In telling me you require more time you musttell me what steps you have taken and propose to take in order to comply withthis request and also state a date by when you will comply with this request.In addition your statement must be accompanied with a statement that you agreeto an extension of the time for me to file my defence. Your extension of timemust be not less than 14 days from the date when you say you will have compliedwith my request and you must state the new date for filing my defence.

If you are unable to comply with this request and believethat you will never be able to comply with this request you must tell me inwriting.

Please note that if you should fail to comply with thisrequest, fail to request more time or fail to agree to an extension of time forthe filing of my defence, I will make an application to the court for an orderthat the proceedings be struck out or stayed for non-compliance and a summarycosts order.

I do hope this will not be necessary and look forward tohearing from you.

Yours faithfully

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Yes, name, address and signature.. make it slightly different to how you would normally sign or sign over a grid of "X's"

 

XXXXXXXXXXX

XXXXXXXXXXX - Very light grey or pale yellow

XXXXXXXXXXX

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

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

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

3: Banking Conduct of Business Regulations - The Hidden Rules

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

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

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

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

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Hi guys need some advise just to clear things up,

 

Acknowledged Service on 20/03/12

Sent CPR 31.14 to Claimaint on 20/03/12, so am I right to expect reply by 29/03?

 

Do I need to send any SAR to the original Creditors or CCA section 78 request?

 

Thanks

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For the CPR you should allow a couple of days for it to get there. If they havent responded say by the end of the month then you can ask for an extension of time (CPR15.5) - you can do that by either phoning or writing to the solicitor or if they dont agree, you can make an application to the court.

 

I doubt very much you will get a response to a SAR before the defence has to be in as they are allowed 40 calendar days to comply with that. A CCA request should be complied with, within 12 working days + 2 for posting. You might just get that squeezed in.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

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

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

3: Banking Conduct of Business Regulations - The Hidden Rules

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

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

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

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

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