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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).
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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.
      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.

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my mistake QQ had set up a DD it just for some reason wasn't showing on my online banking when I selected 'show all' but only showed when selecting 'show active'. I have since cancelled it and I hope the money is return. The balance was £0 anyways, my wages have just gone into my other account.

 

Bills = £1054

Spending = £200

Income = £1322

 

Total for debts = £68

 

I should be getting some more money in so I can pay all but QQ :)

 

Now I need to contact QQ and the rest to let them know I would be paying on time and QQ at all.

 

 

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So balances as of payday:

 

Payday UK = £50/£125 - I paid one installment last month.

Payday Express = £50/£200

QuickQuid = £0/£807 - not able to pay this month.

Mr lender = £0/£225 - hoping to pay this month.

Lending Stream = £0/£173.76 - same as above.

 

I have noticed that LS have added charges. My monthly payments have gone from 68 + 58 + 47 to 79 + 79 + 47. They had added a late fee to last months amount but I just paid the original amount. I haven't entered into a payment plan with them as the loan was originally over 5 months. Should I just continue to pay as I am with them adding more charges and then stopping once I've paid the original amount?

 

 

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Current balances:

 

Payday UK = £50/£125

Payday Express = £50/£200

QuickQuid = £0/£807

Mr lender = £67.50/£225

Lending Stream = £80/£173.76

 

I have emailed QQ to say I can't afford the payment plan already agreed so just waiting to hear from them. Lending Stream I an still in the original agreement but refusing to pay late fees so just paying what is on my agreement each month not what is on my online account. My loan is now £329.88 and not £297.26 so £32.62 been added so far.

Edited by 2009dg

 

 

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So QQ got back to me:

 

email 1

 

Thank you for contacting us to inquire about how to pay off your balance. Thank you for contacting Quick Quid. We looked at your account unfortunately we are unable to assist you in changing payment dates. You are in a previous payment plan that cannot be altered or changed.The payment plan we can offer is detailed below.

 

£_109350__due 05/08/2012

 

Via direct debit ending in *****

 

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

 

Collection procedures will continue until an acceptable payment arrangement is made.

 

If you have any queries, our Collections Department is here to help.

 

are they claiming I'd owe £109350 next August

 

email 2:

 

Thank you for contacting us to inquire about how to pay off your balance. The payment plan we can offer is detailed below.

 

£134.50 due 30/05/2012

 

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

 

Collection procedures will continue until an acceptable payment arrangement is made.

 

If you have any queries, our Collections Department is here to help.

So they claim they can't give me a new repayment plan and I have to stick to the original one of £134 a month. At least they are starting it again from next month. Maybe I should just work out if I can afford it from then. They haven't said anything about the added charges and the only default notice I got was via email.

 

 

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Write to them with the original repayment plan offer letter and ask them to clarify the latest ones.

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

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well I've gone back to them to say I can't afford £134 and would like to offer £50 to be reviewed in 3 months and that I dispute the extra charges that have been added.

 

 

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Keep at it :) It takes a lot of time, and with each reply, you are showing complete willingness to pay, but they refuse to acknowledge it.

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

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So no luck with QQ yet, they keep sending me the overdue payment email. Oh and Payday Express have started phoning me again:

 

02032360205 = 11 times since Tuesday

01159081165 = 11 times since Monday

 

I have paid this months amount so they can just go away!

 

 

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Did you send them the telephone harassment letter? If so contact the oft and ofcom. if not, you NEED to send it asap.

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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So PDE got back to me -

 

Dear xxxx

 

Thank you for your email

I do apologies that you have had to contact us in regards to the calls you have been receiving, I have looked into your account and can see payments have been made and you are on a repayment plan. I do believe the calls to you have been made in error and this is now rectified.

Our automated dialer can take up to 48 hours to update so I do apologies if you receive anymore calls within this time, please feel free to contact me directly if any other calls are made beyond this time or if I can advise you further

kind regards

Laura Kent

 

Though then got a text about my account! So far no new phone calls though.

 

QQ on the other hand...sent them yet again

 

Dear xxx

Customer # xxx

Thank you for informing us of the current situation unfortunately you are in a payment arrangement that cannot be canceled or altered. Also the plan that you suggested will not be an acceptable arrangement. All payments are accepted and will go towards your balance thank you and have a great day.

 

If you have any queries, our Collections Department is here to help.

 

So can I sent any payment I want through and it will go towards the balance?

 

 

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They are trying to play by USA law. That doesnt apply here. If your circumstances change while you are in a repayment plan, they are obliged by OFT regulation and indeed law to acknowledge your circumstances and work with you on forming an alternate payment plan. They are NOT allowed to say that the repayment plan you are on is not able to be altered.

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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Tell them that they must take your circumstances into account, adn they are not allowed by law to ignore them and say repayment plans cant be changed. If they try to argue it, tell them you want them to show you the relevant UK law that says they cant change it.

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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ah so a quick reply form QQ:

 

Madam,

 

Your debit card on file has been deleted.

 

The extended repayment plan you agreed with undersigned end of March 2012 has likewise been terminated.

 

Your offer of £50,00 a month is declined as it will not repay this £647.50 pay day loan balance that was due in full on 25/04/2012.

 

If you have any queries going forward , our Collections Department is here to help.

I don't understand the whole thing about the £50,00 being declined as it will not repay the loan? Also they have quoted the loan as £647.50 so is that the amount I actually own then not £807?

 

My repayment request was £50 a month to be reviewed after 3 months. Could they think I mean for only 3 months to pay it all off?

Edited by 2009dg

 

 

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I think QQ are totally stupid:

 

Thank you for contacting QuickQuid. We have received your email and have notated your account. Our records indicate you have a default balance of £807.00. The payment plan we can offer is detailed below. However, in order to stop collection activities and secure an acceptable payment arrangement, you must update your banking details. To update a Direct Debit please provide: Sort code and Account number. To update a Debit Card please provide the Card type, Card long number, 3-digit Security Code, Issue number, Card Expiry Date, and Card Start Date. Once we have received your updated banking details, we will stop collection activities and secure the acceptable payment arrangement.

 

£269.00__________due 30/05/2012

£269.00__________due 27/06/2012

£269.00__________due 25/07/2012

 

Please be advised that your current balance of

 

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

 

Collection procedures will continue until an acceptable payment arrangement is made.

 

If you have any queries, our Collections Department is here to help.

 

I have not once said I want to pay it over 3 months but that I was to pay £50 for to be reviewed after 3 months!

 

 

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Get that info to the oft NOW. Talk about illegal stuff....

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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email

 

 

*Thank you for contacting Quick Quid. My apologies if we misunderstood your previous email. We will gladly accept any payments that will be made to your account; however, collection procedures will continue if acceptable payment arrangements are not made. If payment arrangements are not made, your account could become subject to third-party activity in the future.

 

So what are aceptable payments + how much should I be paying back?

 

 

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You pay back what you can realistically afford. Not whatever they tell you. OFT guidance states that they cant turn down a valid method of payment, however, they are trying to say that regardless of you paying, if you dont do what they say they MIGHT ( and thats a big word) consider sending it to a DCA.

 

Basically its a threatening/harassment email that breaks regulation. These muppets still think they are governed by US regulation where they are based.

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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but will they still add on interest if I pay £50 a month without a written agreement. They do say they will accept any amount but collection procedures will continue till an agreement ismade.

Edited by 2009dg

 

 

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Get that email/letter to the OFT. You have tried and still are trying to gain are payment plan based on YOUR circumstances, but theyre not interested. Pay the amounts that you can pay, when you can pay, and as they said, they will be deducted from the total debt.

 

If they try to take it to court, it will be glaringly obvious to any court that you have been paying the debt, plus are still trying to get a repayment plan, and they are doing everything they can but acknowledge it.

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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Can do either, but i prefer the form from the stickies.

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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