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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.   
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Halifax CC charges- **REFUNDED SATISFACTORILY**but left default


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Hello,

 

Its been a while since i was on, 15th October as i have been out of the country for personal reasons. Anyways since the last post i made and the last that citizenB posted me i have no communication from either HBOS or Wescott.

 

I have now got a letter from a company called 1st Credit, i am not sure if this is related to the Halifax CC as there is info on the letter it just says the following -

 

Dear Sir/Madam

 

1st Credit Limited is attempting to contact the above named regarding a personal matter. Your address has been supplied as a possible address for our subject.

 

If you are the above named (mentions my name in letter) then please contact us on the following number ASAP and quote the reference number.

 

If you are not the above named or the above named is no longer a resident at this address then please contact us so we update our system.

 

If no response is made within 10days we will continue to hold this address as the current address (of myself) and may issue further letters.

 

Yours Faithfully.

 

 

I don't know if this is to do with the Halifax CC as there is no info/details on the letter about any debt or outstanding amount, any ideas what i should do next ??

 

Thanks GNI

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Ignore it until they come up with something worth responding to.

 

Don't phone them.

 

Ok will do, so just await until another letter comes with some actually information on it. I don't need to send a response letter asking why they have my details on record ??

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Hmm, I think I agree with ims21 - wait until they let you know exactly what they are on about.

 

Is it likely that they are pursuing the same debt that Wescott were ? If they are and they do send further letters - then I think you need to stick with your original response.. there is a dispute with Halifax - it remains unresolved and then I think you need to start working on your complaint to the Ombudsman. In fact, it might be an idea to get the ball rolling on that one.. then if 1st credit are involved - you can genuinely advise that as there was an unresolved dispute with Halifax, you have now decided to progress your complaint to the Financial Ombudsman.

 

You could point out that Wescott have just recently been involved, so you are unsure as to why 1st credit now have their finger in the pie !!

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:thumb:

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

Hello,

 

So its been over 2 weeks since my last post and since then I have had no letters from Halifax, Wescott and 1st Credit (but I am unsure if the 1st Credit letter is in relation to the Halifax CC).

 

To be honest, I just wanted to get this debt sorted, Halifax have ignored previous letters that I sent to them about the over limit and late fee charges and how they have not treated my fairly so the debt still sits at £3482.17 and it doesn't look like they are going to budge on reducing that :mad2:

I really need to start getting this paid off so it reflects on my credit file that I am making payments, just asking what my next step should be as I seem to be going round in circles.

Many Thanks

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I will ask others on the site to put forward their thoughts on this for you Gary :)

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Writing a letter to the Chairman of Halifax outlining your disgust at how you have been treated could be a start, along with opening a case with the FOS. You may get an offer of compensation around £100 mark along with a return of charges over the £12 mark too

 

Dear Chairman of Halifax

 

I am writing to you to detail my disgust at the behaviour of your organisation, I have written to your company on several occasions, and bereft of any kind of response whatsoever even addressing my complaints you have not even responded within 8 weeks.

 

My complaints are this -

 

(outline complaints)

 

I am of the opinion that your behaviour is quite clearly a multiple breach of BCOBS namely (delete as appropriate)

 

 

  • Refusing to discuss financial difficulties and to suggest positive solutions
  • Unexplained peremptory closure of accounts - the longer the account has been held, the greater the requirement of an explanation and of tolerance to difficulties
  • Unexplained peremptory withdrawal of overdraftlink3.gif facilities - once again, the length of time that the account or overdraft has been in place is highly relevant - especially in respect of small businesses
  • Refusal to accept reasonable repayment proposals on the evidence of an income expenditure schedule
  • Ignoring a letter of appropriationlink3.gif
  • Harassment of debtor on the phone
  • Charges on bounced DDs or cheques
  • Imposing an overdraft on a basic account
  • Charges on paid DDs or cheques
  • Treating bank-imposed charges as unauthorised - (RBSlink3.gif has already conceded as a "gesture of goodwill" on this BCOBS point)
  • Levying charges upon charges - (RBS has already conceded as a "gesture of goodwill" on this BCOBS point)
  • Failure to accept instructions not to make further payments on a credit card/debit card number
  • Refusal to cancel DD instruction
  • Refusal to offer basic bank account without good reason
  • Charging more than cost for duplicate bank statements - £5 fee is probably unfair
  • Failing to supply bank statements on accounts in difficulty where account fee is still paid
  • Reneging on an instalments agreement by, for instance, by beginning recovery measures directly or through an agent while the agreement is in place.
  • Insisting on payments being made only in some particular form such as by direct debitlink3.gif - and refusing to accept payments made by some other method, for instance Standing order.

I would now like to know how you propose to remedy this situation ? I will be informing both the FSA and FOS.

 

I trust this makes my position completely clear.

 

Yours faithfully

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Although I am not 100% sure you may have to address it to - Sir Ronald Garrick (deputy head) as I see the most recent one has been in trouble with the FSA - http://www.business7.co.uk/business-news/scottish-business-news/2012/09/13/fomer-hbos-head-of-corporate-accuses-regulator-of-tokenism-at-its-most-sinister-106408-23925419/

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Thanks, ill get the letter drafted up now and send it recorded delivery. Hopefully they will clear the over limit fee's and late fees so I can get this matter sorted.

 

Thanks again all for your help and advice

Edited by GaryNI
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just got a voicemail from the Halifax Customer Services person, think they said they were a manager regarding the recent letter I sent in (42man drafted up for me, see post #136) and they said to call them back to discuss the matter and even said to call them on their direct line.

 

So should I call back and if so what should I say ??

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If you do telephone them then you need to be focussed on the content of the letter and your need to have a response to it.

 

So have a copy of the letter and a pad and pen. Take notes. You need the name of the person you are speaking to and their position in the company. You want to know exactly what they are going to do to resolve your complaint.

 

If the call is not in connection with the letter you sent and is a ploy to bully/intimidate you then you simply say you are going to end the call and they must write to you.

 

If the call progresses in a manner you want. Then when it is ended you immediately put pen to paper or fingers to keyboard. Produce a summary of what is said. Then pop it in the post with a covering note..

 

Dear Sir or Madam (or named person)

 

The attached / following is a summary of my interpretation of the telephone conversation I had with XYA on Monday, 26th November.

 

If I have misunderstood anything, please let me know.

 

etc, etc.

 

Let us know how you get on.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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So looks like my thread has come to an end, Halifax and I have agreed on a Final offer which is to remove the late fee's and over limit charges which in turn has reduced the outstanding amount by almost £1200. So now I just begin the process of paying the remaining balance off, I have agreed with Halifax that I will be paying a specific amount every month which suits me perfect due to my financial situation.

 

There is a final response letter being sent to me and I have also sent in my own letter confirming everything.

 

So a massive thanks to everyone that helped me out on this thread and that offered me advice, draft letters and just general info.

 

Special mention goes to citizenB, thanks for everything :-D

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So looks like my thread has come to an end, Halifax and I have agreed on a Final offer which is to remove the late fee's and over limit charges which in turn has reduced the outstanding amount by almost £1200. So now I just begin the process of paying the remaining balance off, I have agreed with Halifax that I will be paying a specific amount every month which suits me perfect due to my financial situation.

 

There is a final response letter being sent to me and I have also sent in my own letter confirming everything.

 

So a massive thanks to everyone that helped me out on this thread and that offered me advice, draft letters and just general info.

 

Special mention goes to citizenB, thanks for everything :-D

 

 

Oh very well done you.. I am really pleased that this has now been resolved and you can move forward. I will amend your thread title to show there has been a resolution in this matter.

 

:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 year later...

Hello,

 

Halifax have issued a Default on my Credit File back in June 2011

due missed/late payments on an old Credit Card,

 

the balance was paid off at the start of this year in full

but I am questioning now if Halifax have ever issued a Default letter

or Notice of the impending Default to myself.

 

I am have all the documents regards the Credit Card from Halifax

and there is no Default Letter or Letter satating they are going to issue a Default against me

 

.How would i go about seeking proof that Halifax did issue a default letter

or notice as i want the Default removed from my Credit File.Thanks,

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they don't have to issue either to default your file.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes it is related to that older thread. I am opened this thread as the Default that Halifax put on Credit File is really damming me getting any credit. I haven't had a load or credit card since that Halifax one but I was recently rejected for credit due to the default Halifax issued against me.

 

So what you saying is they don't have to provide any proof via document or letter that a default was issued, if so I've no chance of it getting removed ?

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so why did you not then also push for the resultant default removal

 

you need to insist on that

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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