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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • 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?  
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ianphillips and minicredit - help required please *** Full & Final offer accepted ***


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Hello.

 

I took out a payday loan with MiniCredit on the 19th April 2011 and despite the interest was in a financial position to repay the loan so was happy to take it out. However, shorty after taking out the loan me and my partner split up.

 

As a result of the breakdown of my relationship, I was neither in the financial or emotional state to deal with the debt. I realise that it was very foolish (stupid even!) but due to the uphevel I was experiencing, I buried my head in the sand with regards to this matter and it has now spiralled out of control and I cant sleep for worry.

 

The original loan was for £100 but now with penalty charges and interest (on a seemingy daily basis) the debt now stands at £594. There is no way I can afford this amount and having just spoken to them on the phone they stated that I have 30 days to either pay a settlement offer of £450 or they will take legal action against me.

 

I cannot afford the £450 and am terrified at the thought of being taken to court by them and be forced to pay the court costs and outstanding balance (by which time I dread to think what the outstanding balance would be - probably over £1000 though I assume). There is no chance I could afford to pay for a solicitor if I went to court and as I don't drive I'm not even sure I could afford the train travel costs to get to whatever court I have to appear in.

 

I am about to send them an email pleading with them to accept a settlement offer of £200 in the hope that this may end the worry.

 

If anyone could give me some advice on what steps to take after this I would be extremely grateful to you.

 

EDIT: I have just tried to email them but I log into my account, click on 'contact', 'existing customer' then it askes me to log in and then it just repeats - there doesn't seem to be a way of emailing them. Is there an email address.

Edited by ianphillips2347
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collections @ minicredit.co.uk worked for me when I had to get in touch (remove the spaces).

 

don't stress over this, you're not the first person to get in a mess and won't be the last - i'm negotiating with 6 companies at the moment...

 

have you had contact from a DCA or just minicredit so far?

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I've done a bit of reading around the forums on these lovely people - I didn't have to have much to do with them as I paid within a day.

 

It seems they are generally refusing repayment plans, which is not on.

 

I can offer you a bit of help until someone else comes along:

 

e-mail them what you think is a REASONABLE repayment plan, ie, don't offer them more than you can comfortably afford. They will more than likely say no, but keep at it. If it were to end up in court, it can be shown that you have attempted to resolve the issue.

 

They also claim not to use a DCA but threaten doorstep collections. Again, not on.

 

Personally, I'd report them to Trading Standards and The Office Of Fair trading.

 

Oh, and do they still have your debit card details? PDL companies have been known to help themselves - cancel and block your card.

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I've tried emailing MiniCredit (twice now) via collections @ hotmail.co.uk from my hotmail account and on both occations it has come back unsent. Is there another email address I could use? Or a postal address I could send a registered letter to?

 

Thankyou.

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Thanks for the help guys.

 

I have finally managed to get a reply from Minicredit after sending them an email via my account (as suggested by indebt00).

 

Below is a copy and paste of the email I receieved back from them.

 

I'm at a loss as what to do now as the outstanding balane is now £607.00 and I can't afford to repay that amount. What advice can anyone provide please.

 

Thankyou

 

----------------------------------------------

 

 

Dear Ian.

 

MiniCredit does not provide payment plans.

 

All the charges will be added until full repayment and the account should be cleared within 90 days from the due date to avoid legal action.

 

We accept partly payments You make on Your MiniCredit.co.uk account, but we do not offer payment plans and freeze the balance.

 

All payments have to be made by a debit card according to the Loan Agreement. The possibility to make payments using a different debit card once only is provided on Your MiniCredit.co.uk account.

 

We will postpone the visit of the doorstep collector (each visit costs £100) for another 30 days and so on after every partly payment, but the loan should be cleared by the 90th day overdue.

 

To make us a settlement offer please give us a call on the number 0871 890 3015 begin_of_the_skype_highlighting 0871 890 3015 end_of_the_skype_highlighting

 

 

Kind regards

MiniCredit.co.uk

Client Support Team

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Good Morning.

 

My Minicredit Balance now stands at £611 (original loan £100)

 

I sent a message to Minicredit yesterday with a settlement offer of £150. In this message I stated that I wished to conduct all communication in writting and having spoken to one of there customer service representatives on one occation, it is an experience I do not wish to repeat (this is the fourth time I had stated that to them).

 

Despite this, I received the following reply from them

 

-------------------------------------

 

Dear Ian Phillips

 

To make us a settlement offer please give us a call on the number 0871 890 3015

 

Kind regards

MiniCredit.co.uk

Client Support Team------------------------------------

 

I have now sent them another message to them stating that I do not wish to contact them via telephone and wish to keep everything in writting. I also stated my settlement offer again of £150.

 

Am I within my rights not to contactthem via telephone?Where can I go from here if they insist on me phoning them?

 

Thankyou

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I realise there's not much contribution from anyone else besides me but I'll keep posting an development in the hope someone can help me.

 

Having sent them the message this morning confirming that I wished to conduct all correspondence in writing and again offering them a £150 settlement fee, I received the following from them.

 

--------------------------------------------

Dear Ian Phillips

 

To make us a settlement offer You would need to do it over the phone because if we find the offer sufficient enough to accept it as a full and final settlement we will take the payment right then and there over the phone.

Considering the loan amount You applied for and that You have had the funds for three months without any payments the offer £150 we are only able to accept as a partly payment but not as the full and final settlement.

 

 

Kind regards

MiniCredit.co.uk

Client Support Team

 

--------------------------------------------------

 

I have now sent them another message, again stating that I have no desire to repeat the unpleasent experience of speaking to one of thier customer services representatives and my desire to make an offer in writting.

 

I again offered them the settlement amount of £150 which I stated upon written confirmation that this was acceptable would make the payment -although from the above email it seems that this is not going to be enough for them, so I have also requested what amount they consider fair to resolve this matter.

 

 

Thanks for reading and any help

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hi, i have been in the same boat as you since december with minicredit, 100pound debt now like 800pound, they threatened court action about 2 months ago but i have not heard a peep from them since. I even stopped making token payments as these were not even close to clearing their daily charges. Now I have no idea what my debt currently is as it says my accounts blocked. In my opinion dont be afraid of any of their threats as they never carry through with them (ie debt collectors) and i have recently discovered that they run their bussiness out of a pizza shop in london, which makes them sound even more of a joke to me.Let me know how you get on

Tim

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  • 2 weeks later...

Good morning all.

 

I received the 'FINAL NOTICE BEFORE LEGAL ACTION' letter from Minicredit this morning.

 

The total balance due is noe £624 (although the website states £654). The letter is dated 17th July 2011 but unfortunately, it only arrived this morning.

 

'Despite all our efforts you have chosen not to settle our above account.

 

We have no alternative but to escalate the matter. If full payment is not made by the close of business on the 27th July 2011 the matter will be referred to our legal team. There will be additional legal charges added to your account.

 

On the 6th of August 2011 we will mark default status on you credit file.

Also be aware that forthcoming CCJ on your name affects severly your ability to receieve credit in the future.'

I sent them another messsage via thier site listing all the attempts I have made to settle the outstanding debt and it is them that have chosen not to settle (numerous emails, offers of repayment plans, emails via the site with final offers etc).

 

I also offered them £200 in my final attempt to resolve this matter (I wish i could afford more to end it but that is my limit and if that is not accepted them what course they take is upto them.

 

I guess that's all I can do for now then, just wait and see.....right?

 

I'm assuming it seems likely that they will pursue this in court. Is there anything I need to start doing now to prepare myself? (I have kept a copy of every email I sent them and the ones they sent me. I have also taken a screen print of every message I have sent them via their website).

 

Many thanks

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The ball is in your court, if you want to stop paying them and they take you to court they would be stuffed.... I still don't think you complained 'properly' as other people have had good results.

 

I can't help any further now unless they go to court.

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Well Minicredit have refused my improved offer of settlement

 

To make us a settlement offer please give us a call on the number 0871 890 3015 / 0871 890 3015

 

£200.00 is not sufficient enough as the full and final settlement. At the moment Your outstanding balance is £657.00 and You have 10 days to clear the balance before Legal action.

 

 

Kind regards

MiniCredit.co.uk

Client Support Team

 

In addition to the above email declining my offer, I also receieved the following email from them this morning which gives a breakdown of the balance.

 

1) You took out the loan for £100.00

2) The first penalty of £25 was added on the 9th of May 2011

3) The second penalty of £55 was added on the 11th of May 2011

4) Interest is 1% of the loan amount per day in total £98.00

5) Attempt fees (when our system attempts to receive the funds from Your debit card) £3.00 per every empty attempt in total £279.00

6) Debt expense recovery fee of £100.00 that was added on the 30th overdue date when the matter was given to a doorstep collector.

In total outstanding balance at the moment is £657.00

At the moment You are refusing to make partly payments although You were told that we accept any partly payments towards the balance until we start Legal action.

 

The due date was on the 8th of May 2011 and the loan has been overdue for 79 days already. The maximum time that we are willing to postpone any further action is for 10 days if a partly token payment is made immediately.

 

The Court will also see that You have not made any payments towards the balance voluntarily and it will also be taken into consideration and provides us the possibility to claim the Attachment of Earnings for the County Court Judgement.

 

We are willing to consider the possibility to accept a settlement offer. Please call us when You have the neccessary funds to make a settlement offer and if it is agreed, the payment has to be made immediately. We will postpone Legal action until the 5th of July2011 and expect Your phonecall from Monday to Friday on the number 0871 890 3015 / 0871 890 3015 between 9am and 5pm.

 

(I noticed that they said that Im 79 days overdue yet at the figure of £3 per attempted debit card charge means they have tried 93 times in that period - so more then once daily)

 

As they haven't, as yet, passed my case on or started legal proceedings, should I contine to email / message them offereing the £200 or a repayment plan even though they have made themselves very clear they are not willing to accept neither) or should I just go quiet on the issue and wait for the next step from them?

 

Thanks so much for all the help everyone, you have really helped lessen some of the stress this whole thing has caused me.

Edited by ianphillips2347
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Just a quick update but nothing of note really: Had an answer phone message left for me again today (despite me telling them on numerous occasions that I do not wish to conduct any communication via telephone) asking me to 'please, please can you fund your card or access your account to make a payment'.

 

Much more polite then when I had the misfortune of speaking to them before. :-)

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Those charges are DISGUSTING. You need to communicate with them only in writing. You only owe them the amount of the loan plus one months interest....that is all.

 

They cannot take what you have not got and they will not take you to court.

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Well, according to their latest email and letter (posted above) as of close of business today they are now starting legal proceedings against me.

 

I will of course post any developments here in the hope anyone can help.

 

What will probably happen is that they will pass it on to Fredrickson International. Don't worry this doesn't mean anything and they can be ignored as well. They'll add daft charges too, just to forewarn you. They know as well as minicredit do that there's no way they'll be able to enforce what they're after so just wait for them to be sensible. If they don't then you don't have to pay anything!

 

If they do take you to court then DEFINITELY don't ignore that as a no show will be seen as a win for them and you'll have to pay. Just tell the judge what happened and he/she should find in your favour.

 

As i said before it's unlikely to get that far but Fredrickson's know that if the send 250 or so of these, then a number of those won't reply and they'll get an easy victory which then grants them 'bailiff power'.

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The charges can be defended in court AND you can ask for the person signing the emails to be present in court for formal questioning as part of your defence (will cost £35) but it is worth it... they won't like having to justify themselves one little bit.,

 

I can help with a defence should they carry out their threat, a nice simple defence which will question their right to take court action. Pre court protocols state you have to come to an arrangement, (which you have tried to do at an early stage) and if not then it is mediation - again they won't like having to justify the charges on an already front loaded interest high short term loan.

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Hi sillygirl1.

If it does go to court I would be extremely grateful for any help and assistance you could provide me as I really have no idea what to do having never had any dealngs with courts etc before.

Thankyou so much for your offer and as always, I will post any updates here.

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  • 3 weeks later...

Hiya Tim.

 

There hasn't really be any development. Aside from a couple of answerphone messages left for me by them since I last posted, the only other thing was a letter that arrived the other day dated the 7th of Aug I think.

 

It stated that I had chosen not to pay (this despite my numeorus attempts to come to a resolution with them) and the next letter I will receive will be from the court. It stated that the outstanding balance was £695 (I checked my account today and it is now £736).

 

There is obviously nothing else I can do to try an come to an agreement with them so unfortunately, I've given up and am simply waiting for it to be passed on to a DCA (who will hopefully be more sensible) or it goes to court.

 

As always, I will post any development :-)

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  • 1 month later...

Hello all.

 

I had a letter from Fredrickson International Limited working on behalf of Minicredit this morning (I have also had a few phone calls from them and a few texts messages).

 

They state the outstanding amount they are looking to recover is £804.00.

 

Any advice with regards to what to do now?

 

Has anyone had any dealings with them? Are they likely to accept a MUCH reduced settlement offer?

 

Also, I dont really want to deal with them over the phone so does anyone have an email address for them?

 

Thanks for any help.

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