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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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Barclays just sold my OD debt to Lowells


Orchid47
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Please can you help me?

 

I have suffered huge financial problems with the Recession. I have a £6K personal overdraft with Barclays.

In Feb 2010 I wrote to Barclays and explained I couldnt pay my Overdraft, explained why not and please could I pay a token gesture of £1 per month until things improved.

 

They agreed and so I've been doing this.

 

I also at the same time requested an SAR from the bank which they sent me (pages and pages of it)

 

Two weeks ago I opened a letter from Lowell's to say Barclays had sold on my debt to them and can I contact them to arrange a payment plan.

 

I have now got to do this, but just wanted to check with you guys how I should do this?

 

My personal financial situation is still dire.

 

I've a LTD company but just manage to get barely enough work each month to pay work bills etc.

I'm not going to give up my business.

I dont and havent paid myself a wage for several years, just want the company to survive until the downturn picks back up.

 

I refuse to give up and go on Income Support.

 

Please advise me on how best to deal with Lowell.

 

I've a 14 year old, a new partner (whos also self employed with minimal work)

 

Thanks

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Hi welcome to CAG,

The bank can sell a debt at anytime.

Have you checked your credit files

recently?

Quite simple really write to Lowell

and tell them you had a payment

arrangement with Barclays and you

will be making the same payment of

£1.00 per month by standing order,

they'll bleat and moan about it must

be a direct debit, but you are in charge

of your money and you know what is

reasonable for your situation.

Debt collection agencies have no powers

at all so if they want I&E details refuse to

comply.

Keep ebverything in writting Lowell like

to intimidate on the phone.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Can I apply for a Hardship claim even though Barclays have closed my account and sold the debt?

 

Thanks so much for any advice its hugely appreciated.

 

Yes I will do all correspondance by letter. I dont telephone call anyone because they treat you like scrum!

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I don't think you'll need to do that, you

had a payment arrangement on the account

agreed and working, even if this was escalated

to court they would ge no more than the £1.

Just remember your in charge Lowell most

certainly are not!!!

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Orchid - yes, you can write to Barclays regarding a hardship claim, as they are the institution that took excessive charges in the first place. Follow Rebel's link and if you need any help, just let us know.

 

I managed to get just over £600 back from Barclays due to a hardship claim two years ago due to what I conjectured were excessive charges and interst on charges that were levied at a disproportionate rate.

 

Best of luck.

 

H. x

 

 

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One more quick question, hope you dont mind

 

I have been in financial difficulties since 2010, my income and situation havent changed in the last two years, I'm just trying to get by until things pick up again, so is it OK for me to still ask to pay £1?

I really dont have anymore money I can afford as I've no income apart from a little bit of working tax credit

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Just discovered I was paying Barclays an Overdraft Protection fee each month, I'm not sure how long I paid it for at this precise moment, but it was in the reagion of £32 per month at 0.80p per item.

Is this the same as PPI?????

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Not the same, but you can still reclaim it if it was mis-sold.

 

"Just as in the case of payment protection insurance you would expect the lender, or the banker in this case, to give the customer the opportunity to buy into the program. Payment protection insurance as well as overdraft protection are not mandatory and the banker cannot ask you to opt out of them but must rather ask you to opt in. If you were not given that option to have cover on bank charges for insufficient funds then indeed you were mis-sold this insurance and are entitled to make a PPI claim against the bank. There are however some differences. Overdraft protection can be purchased by people who are self-employed or temporarily employed because it doesn't take over payments on loan rather it helps you to avoid bank charges for insufficient funds if the check should go through before other funds are clear.

 

If the financial institution mis-sold you overdraft protection you do have recourse to get your money back. In similar fashion to submitting a PPI claim to recover money you would also submit a claim against overdraft protection for insufficient funds. The unfortunate thing about this particular cover is that it can indeed help those individuals who have trouble balancing their checking accounts and are constantly plagued with bank charges for insufficient funds. Unlike payment protection insurance, overdraft protection can actually be utilized by everyone as we all are subject to making an occasional mistake in keeping records. If your bank or refuses to refund your money when you bring a claim against that financial institution for mis-sold insurance that is supposed to cover bank charges for insufficient funds, you can always appeal the decision with the Financial Ombudsman Service."

 

- from ppiclaimcompany.co.uk

 

 

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Ok, I'm a bit confused here.

I had an Overdraft facility of £6k.

 

I didnt exceed my overdaft limit. But they still charged every month a set Over Draft Protection service charge of £32 dating back as far as 2005 when I took out the Overdraft.

????????

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Whether you used the facility or not is a bit of a moot point. You had the O/D protection insurance. Was it mis-sold? In other words, were you given the option to opt-in to the insurance or did they just take it as read and tick the box for you? If they didn't inform you that it was "opt-in" and/or suggested that it was a prerequisite of the O/D arrangement, then it was technically mis-sold and you may well have a claim.

 

 

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Ok some banks charge a ''management'' for want of

a better phrase to cover the costs of servicing the account,

usually a minimal amount.

My question would be what was the protection provided

and was I compelled to have this to get the overdarft facility.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Ok, does a SAR include any copies of agreements taken out?

 

I cant find anything that explains what it is for.

 

What shall I do?

 

All I have is a letter with two pages of details of interest and charges applicable to the overdraft,

but nothing that I can see refers to the £32 per month charge.

 

Its my bank statements that refer to the Overdraft Protection fee each month and the deduction

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A SAR should include a copy of the original agreement, statements (detailing payments, credits, debits and charges) and any other information regarding the account. If you send a SAR, it should show the O/D charges as well - part of the financial transactions/charges directly relating to the account. If not included, you're within your rights to write and ask why, copying your letter to OFT, FoS, etc.

 

Make sure you keep all those bank statements. They're your proof and it will also save you time/money requesting copies again if they're not included in the SAR.

 

 

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  • 4 months later...

Ok, SAR in hand.

What on earth do I need to look for now??????

Its massive and soooo complicated to make sense of.

 

I cant find any agreements in the SAR for my overdraft and any info on the overdraft insurance which they took each month since Dec 03.

I can see interest charges and unpaid charges.

 

I've received a letter in the post today saying

"as I have failed to pay my account will be sent to Tocatto Ltd who will be instructed to pursue the debt and recover the full balance"

So, any advice would be hugely appreciated

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There is no regulated agreement for an overdraft!

I would write to the Data Controller regarding the insurance they

should supply the details of the cover and premiums, but I think

they may come back with that they acted as introducer only to a 3rd

party insurer.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Tocatto are in the same offices as Lowells....

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Tocatto Ltd5069843

 

Categories:

 

Consumer credit Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Carringtons Veriti

 

Issued Date: 14-Jul-2004

Date Maintenance Payment Due: 13-Jul-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Andrew Paul Bartle James John Cornell Joyce Elizabeth Newman PHILIP SCREETON Richard Llewellyn Davies

 

Historic Individuals that run the organisation:

 

NamePosition Chris Sales Christopher Michael SalesOFFICER Hugh RichardsDIRECTOR Joyce Elizabeth NewmanOFFICER Tom Sweet-EscottDIRECTOR

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddress CorrespondenceEnterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom Principal Place Of BusinessUnit 5, Fulwood Park, Caxton Road, Fulwood, PRESTON, PR2 9NZ, United Kingdom Registered OfficeInterchange, 3, Apex View, LEEDS, LS11 9BH, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Principal Place Of BusinessEnterprise House, 1, Apex View, Leeds, LS11 9BH Principal Place Of BusinessEnterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom Principal Place Of BusinessProtection House, 83, Bradford Road, Stanningley, Leeds, LS28 6AT Registered OfficeByron House, 7, St. James Street, London, SW1A 1EE Registered OfficeEnterprise House, 1, Apex View, Leeds, LS11 9BH Registered OfficeEnterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom

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