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    • 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?  
    • 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.  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) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 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 contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No 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 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 this document.  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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. 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 2) 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)  
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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.

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multiple PDLs....


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A DCA with no legal rights are waiting for instructions? I know what instructions i'd give them.

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..

 

 

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So just checked my credit report and QQ are on there with an opening balance of £648 with a current balance of £1198, with no default.

 

I don't remember this being on my report the last time I checked (21st June/July), due an update tomorrow I think. If it's sold on will the QQ account be 'settled/satisfied'

 

 

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If qq are on there then qq own the debt. If it gets sold then the owners name changes. It wont get marked as settled.

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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If the file was marked as settled, but it was sold on and you got a default by the new owner, you should have made a full complaint to both companies and the ICO. You could have gotten a nice bit of compensation off that.

 

What they did was a nasty little trick where they sell the remainder of the debt on. If they sell the debt on without it actually being settled, they should not mark the account, and the record should have the details of the new owner.

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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  • 2 weeks later...

So I haven't heard anything from Lending Stream since 22nd August when they sent me an email saying they were tring to phone me. I replied to say I am not dealing with them on the phone.

 

ARC too haven't contacted me since they emailed to say the account was on hold and they were passing my comments to their client (QQ)

Edited by 2009dg

 

 

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  • 2 weeks later...

So finally got a letter containing the T&Cs from QQ/ARC:

 

Credit: £500

Repayments: £110.62 on 25/1/12 | £610.62 on 29/2/12

Total: £721.24 including £222.24 interest

 

Breakdown:

 

Loan issued 03/01/12; £110.62 due 25/1/12 and £610.62 due 29/2/12

Extension: 29/2/12; £647.50 due 28/3/12

Extension: 28/3/12; £647.50 due 25/4/12

 

25/1/12 - £110.62 financial fee loan

29/2/12 - £110.62 financial fee loan

28/3/12 - £142.50 financial fee ext loan

29/3/12 - £12 late fee

25/4/12 - £147.50 financial fee ext loan

25/4/12 - £500 principal

18/5/12 - £12 late fee

Total due - £1040.24

 

25/1/12 - £110.62 direct debit

29/2/12 - £110.62 direct debit

Total paid - £221.24

So now what should I do?

 

Thinking of setting up a repayment plan for what I can afford for the amount I agree with then stopping and seeing what happens

 

 

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How many loans do you have with them, and what is the total amount of the actual loans plus interest. Im getting a little confused.

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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I originally owe:

 

Credit: £500

Repayments: £110.62 on 25/1/12 | £610.62 on 29/2/12

Total: £721.24 including £222.24 interestlink3.gif

 

25/1/12 - £110.62 financial fee loan initial interest 1st month

29/2/12 - £110.62 financial fee loan initial interest 2nd month

28/3/12 - £142.50 financial fee ext loan extension interest

29/3/12 - £12 late fee

25/4/12 - £147.50 financial fee ext loan extension interest

25/4/12 - £500 principal initial loan amount

18/5/12 - £12 late fee

Total due - £1040.24

 

I have one loan but ext are classed as new ones I think.

 

Oh and it's been referred to ARC not sold. Should I just sent up a plan for the full £819 asked for they will get bored soon with only getting £10 a month.

 

 

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Ahh, so they defaulted you twice for the same debt? Ok. Throw up a post in the credit record agency forums, and hopefully brig can advise on that. They cant treat the extension as a new loan since it is still the same one, you just paid them to leave you alone for a month.

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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You only owe the amount you took out and the original interest. By paying the extension "fee", you simply paid them a higher rate of interest for that month to keep them off your back. However, they are trying to pressure into believing that you took out yet another loan when you paid that "fee".

 

I would be in touch with the OFT about this, as they are verging on unlawful activity, if not criminal activity.

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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If you believe the charges are fraudulant or unfair, then never accept liability for them, and make sure you tell them that. It is up to them to prove that the charges are fair and proportionate. Not for you to prove theyre not.

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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  • 1 month later...

So I sent another email to Lending Stream and got this reply back:

 

We apologize for the delayed response.

 

Thank you for your email. We can confirm you that as per the Data Protection Law and the Payment Card Industry regulations we are unable to store this sensitive data in our systems. Therefore, the email has been destroyed. We would request you to send us the query through your registered email address so that we can resolve your query.

 

What sensitive data? All I sent was:

 

I am willing to pay the default fees and late fees but that is all.

 

£12 arrears fee on 29/03/2012

£10 default fee on 05/05/2012

£12 arrears fee on 01/06/2012

 

D Grant

 

And from my registered email.

 

 

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Hi not sure if this is an appropriate place but I have 3 PDL and due to unforseen circumstances I will not be able to pay them. However I do not dispute that I owe this money I just want to know should I email them before payment is due or wait untill the payment is declined. I have had to cancel my Debit Card and put a fraud alert on my account because I lost my bag with my debit card and my paying in book which has my branch sort code and account number.

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Re the above post I am willing to repay them followign a repayment plan. I have contact emails for the companies so of the 3 who would be the easiest to deal with

Quick Quid £312.50

PDE £563

Swift Sterling £798.89

 

Ideally I would like to clear at least one of them and Should be able to do Quick Quid as its a small amount.

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