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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.  
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      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.
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Minicredit/Opos


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Please help!

 

First, I must confess to being a bit of an ostrich over this.

 

Last year I took out a minicredit loan. Same story as many on here. I applied for £100 and got £80 straight away because they took the other £20 in fast payment fees. Bloody cheek! I wasn't even given the option.

 

Then came the day of reckoning and I couldn't afford to pay it back (£127 at this point).

 

Then the emails and letters came threatening doorstep visits, for which they bumped the charges up by £100 each time. The visits never happened.

 

Within a few weeks the debt was standing at around £812.

 

I sought answers on this forum and duly sent emails to minicredit offering the original loan + 1 month's interest. I wrote roughly every other day for about a couple of weeks. I received no replies and didn't hear from them again.

 

So I buried my head in the sand once more.

 

Some time towards the end of last year (can't remember when exactly) I received a letter or 3 from Fredrickson's but ignored them. My head was well and truly in the sand by then.

 

Then I heard no more.

 

Within the last few weeks Opos have been in contact, both through email and in writing. The emails wanted me to phone them and I emailed back to say I didn't do phone calls and if they had anything to say to me they could put it in writing. The emails, btw, didn't say anything, just phone this number quoting this reference. Until the physical letter arrived through my letterbox I hadn't a clue who Opos were representing.

 

Since then I have received 2 more letters, the most recent one today and decided it was time to remove my head from the sand and deal with it.

 

Today's letter is the Final Notice of Intent, and they're threatening court action. I say bring it on, because how are they going to justify the charges and the way the debt has risen from £80 to £812?

 

I really need to deal with this now.

 

Please can someone suggest a course of action and what I should be saying to these scoundrels. Also are there any templates I should be using, for quoting the right sections of laws etc.?

 

Your help would be very much appreciated.

 

Thanks.

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Technically you can get around it by saying they never gave you the stated loan in full in the first place, and they took out administration charges that were never stated or agreed upon.

 

Don't worry about court action. These [EDIT] artists will never take you to court. They know that they would lose.

 

As for Opus, you might be keen to know that they are just Minicredit acting under another name under the guise of their own DCA.

 

Take a deep breath, relax, and have a look at some of the threads on this forum. There is some good information and will put your mind at ease.

 

As for doorstep collectors, send a letter by recorded delivery or email to OPus, stating the following " In reference to Account number : xxxxxxxx, i hereby withdraw all permission under common law for you or your representatives to set foot on any part of my property(s). Should this order be broken, you will be commiting trespass and further action will be taken including police attendance. Yours sincerely xxxxxxx "

 

Make sure you type the name and not sign it in pen. This will deal with the doorstep collector letters.

 

 

As i said, give the forum and related ones on this site a good read. There is some very useful information across this entire site that will take a lot of stress off your back.

Edited by ims21

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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Keep to it. Minicredit/OPOS/DERS are the SAME company. It is why they and their kin are currently under investigation. File a complaint with OFT and FOS.

 

And make sure that EVERYTHING is communicated in writing. If they call you, you can answer, but make sure you clearly state that you are unwilling to converse on the call and any and all communication must be done in writing. Then hang up on them. Send them a letter to this effect to. If they continue to call, then add this to your complaint to the OFT and FOS. This will be classed as harassment.

 

Im not 100% sure either, maybe someone else can clarify, but when you start a dispute on the account then they have to suspend all interest and charges. They wont take it to a real DCA or county court as they know they wont have a leg to stand on, as they make up the charges as they go along. In this forum alone, there was a person who took out a £100 loan, and 10 days later it had rocketed to over £300.

 

The first experience i had with these idiots was with my sister, but after reading up on some things, its clear who has the most legal standing. yes, i got a few things wrong in a couple of posts on here, but a quick call to the national debtline soon gave some good advice.

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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Good luck! My sister has already paid off the initial loan plus almost a months interest. WE have the notarised bank statement to prove it. However, theyre still demanding over £1k in "interest and administration charges". Suffice to say that they will NEVER see that money.

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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I've contacted OPOS by email asking to pay what I owe but have been ignored.

 

They will ignore you. Thats why you need to keep as much written evidence as possible AND submit those complaints. They will try to contact you by phone or they will say they wont correspond in writing, but this is purely a scare tactic so they dont leave a trail that can be tracked by the investigating agencies.

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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Thanks for your replies. I didn't know Minicredit were also in the same camp as Opos. I'm sure I've received a letter in the dim distant past from Opos relating to another debt that isn't minicredit related. And Minicredit did pass on to Fredricksons first, before Opos.

 

Has anyone actucally had any experience of the next stage, which according to the letter is court action?

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Ignore it. They wont take you to court. They dont want a court to see the obscene and completely random charges that they add to your account. Stick to your guns with what has been said before. THat way, IF they ever do take you to court, you have a complete trail of what has happened, and a judge would side with you.

 

The letter that talks about taking you to court is simply a scare tactic as i mentioned previously. LOTS of companies/DCA's do this, not just loan companies.

 

If you get passed to fredricksons or Bryan carter, then scan this site, as there are a lot of ways to deal with them. Also note that when you make a complaint with the OFT, they usually contact minicredit, who will then get in touch with you to offer a very very reduced repayment offer.

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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  • 4 weeks later...

i have received a letter this morning from opos regarding my mini credit debt i owed 350 and now its gone up to £1170 i started a dmp with a company called back to credit as i took out more than 1 payday loan but i was really struggling with the payments so have changed to money debt credit and they have lowered my payment to nearly half,the thing im more worried about is that they are saying i havent paid nothing off my account when in reality 1 payment shud have got to themthe whole issue of owing what i do is really getting me down and i cant sleep at night so am on tablets,i fear knocks at the door in case its from a debt company any advice would be appreciated

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Dont let them worry you. They try everything they can to get you feeling like this so they can say and force you to do anything. As for them coming to your door, send them a simple letter saying you withdraw the right for them or their representatives to come, and if they ignore it, the police will be called for trespass and harassment/intimidation.

 

The first step to getting things under control is to get a level head about the situation. If you let them start dictating what you can and cant do, youll never get things sorted out. Remember, PDL's are the lowest priority debt you can think of. The absolute worse that can happen is that they get a CCJ on your credit file, and even then theyd have to go to court, where you can submit a defense and tell the judge exactly what theyve done and how its affected you. They cant just walk in and do what they like or take your things.

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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I think theres one on these forums. Click here

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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  • 8 months later...

lol not to add any stress to anyone but a bit of friendly competition cant hurt, i loaned £100 from minicredit and now im on £1062 from opos debtboys

 

thing is the 80 i actually recieved £50 of it got swallowed by bank charges so in reality £35 landed me £1062 debt

 

 

All the best with your disputes,

 

Brian~

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Just had a call from DERS regarding my Minicredit loan. First it was Opos now these muppets!! Made out it had just been brought to his attention that my account was in default and that he was prepared to do me a big favour, even though he shouldnt be, and that he would accept £5 a fornight............there was a catch though......only on the provision that i gave them my debit card details!!! I said i didnt want to but i was more than happy to make alternative payment arrangements, pretty much as i had been doing so with Opos, making a direct payment into their account, but he said that he had to have my bank card details or no deal!!! I asked him for his contact details, which he gave, but he said that if i didnt agree there and then, then the offer to accept lower payments would be revoked and they will send someone round to my property!! What do i do? did i do right in refusing my bank card details?

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you shoud write them a letter stating they have no right to call at your property and all future contact should be made in writing

 

i saw a funny website, the guy sent a letter to deb collecters stating if they came to his property again they would be charged the full amount of the bill, he got a letter back saying the account had been passed back to the client

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