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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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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 to £30 if paid within 14 days of issue).  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 to £60 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 4) 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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Zinc chasing old C L Finance CCJ's


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Hi all,

 

Longtime no speak. I am after a little advice. The back ground is as follows:-

 

My wife has two CCJ's going back to early 2008 for HSBC Loan & Credit Card accounts.

 

The original defaults/last payments on these accounts go back to Jun 06 and Jan 07 consecutively.

 

These payments were made after the accounts were transferred to the DCA CL Finance.

 

Recently, these accounts have been chased by the DCA's Zinc Recoveries and Lowell Portfolio I Ltd.

 

I sent a CCA request to both of these DCA's on 17/10/11 and neither have been able to produce any CCA's etc.

 

I received a reply from Lowell Portfolio I on 11/11/11 saying that they had not received a CCA from HSBC and were therefore putting the account on hold.

 

Since then I have received a "Notification of Oustanding Account" from UK Default Recovery for the same account.

 

Zinc Recoveries continue to bombard the telephones with nuisance calls from 'Mr Allen'.

 

On 21st March 2012

I escalated matters by sending "Account in Dispute" letters to all three DCA's still no CCA's have been forthcoming?

 

However, Zinc recoveries are still actively pursuing her with threatening calls and letters.

 

What is my next best course of action.

 

Also, how do I determine if one of the accounts (last payment date Jun 06) is 'statute barred'?

 

Can I get these debts written off as they are unenforceable and can I get the CCJ's removed from my wife's CRA report?

 

Is it a case of waiting until Jan for both of the original debts to become "statute barred"

 

or do the CCJ's mean that the period for this would extend to the date that these were imposed?

 

Any advice would be most helpful.

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Hi,On the points you have made , getting debts written off -- highly unlikely,

being unenforceable --- means that the creditor/DCA can enforce the debt in

court BUT the debt still exists and remains payable can be chased and credit

files updated, the non existance of or erors in paperwork have lost almost importance

since case law changes.

A default remains on credit files for six yeras after which it is removed paid or not.

The CCJs -- nif the claimant has not enforced the judgement in 6 years then they

have to apply to the court for leave to restart the claim, this is rarely given.

Statute barred-- you need to check credit files on all the debts, if they do NOT appear

then the 6 years are up and they have been removed.

The CRA file will show the status of the debt, the default date, and the date

of the ''last delinquent payment'' that is the date for the start of the six year period.

 

There must not have been any payment or acknowledgment in writting in that

6 year period.

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I'm I right in the understanding that they are chasing the CCJs which were granted against these a/cs?

 

If so I'm afraid that a CCJ supersedes any CCA agreement... in affect it has been rewritten by the court. The only way you will find out if any of these a/cs was in fact SB would be to send the original creditor a SAR. If they were then you would have to apply to a court for the CCJ to be set aside which could still prove difficult.

 

A CCJ never becomes Statute Barred, however it becomes subject to sec.24 of the Limitations Act if no enforcement has been made within six years.

 

(1) An action shall not be brought upon any judgment after the expiration of six years from the date on which the judgment became enforceable.

 

(2) No arrears of interest in respect of any judgment debt shall be recovered after the expiration of six years from the date on which the interest became due.

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Makes me wonder if they realise there's a CCJ in place. Amazing how little these idiots know about the accounts they acquire.

 

They have rather shot themselves in the foot by suspending collection activity on an account that is no longer even covered by the CCA.

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Hi Brigadier2jcs,

 

Thanks for your reply. From what you have said, is it now pointless to pursue the the DCA for not having provided a valid agreement? Sorry to be a dummy, but I am not aware of the changes to case law. If this is the case, would you suggest that the best course of action is to ignore the DCA whilst I check whether the debt is 'statute barred' and pursue that line? It is just that my wife received threat of a doorstep visit today which I would obviously like to avoid.

 

Your advice really is appreciated.

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If CCJs were granted, that is it – they can’t become statute barred.

 

From your info, there was no six year period between default/last payment and judgment. So the judgment stands. Forget SB. And nothing to do with case law.

 

However, it appears that the new owner of the debt does not realise there is a CCJ in place. You might want to continue with the ‘account in dispute’ route, but that is reliant on their ignorance of the true situation, and eventually they may work it out. Bit of a mess really!

 

Who owns which accounts? Who got the CCJs – HSBC or the debt buyers?

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Hi Cerberusalert,

 

I believe they are chasing the accounts as opposed to the CCJ's as all of their correspondence references the original creditor and account numbers though I could be wrong. I have briefly had a look at an old copy of my wife's credit report circa Jan 2010 and the defaults actually show up with the original DCA and not the original creditor. It then shows the CCJ's for these accounts on a separate page with their own clearly defined reference numbers. Also, the figures differ slightly to include disbursements of some kind. The figures the DCA's are chasing correspond with the original outstanding balances and not those on the CCJ's.

 

The dates for default are Jun '06 and Jan '07 respectively and the corresponding CCJ dates are Jan '08 and Mar '08, for reference.

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Hi again DonkeyB,

 

I am fairly certain the original DCA got the CCJ's as they show up on my wifes credit record as being in charge of the account when she defaulted. Very messy indeed, but would they not have to apply to the court to restart the claim if they were to find out about it? Therefore, maybe it is worth me continuing the account in dispute??

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It indeed seems that they are unaware of the CCJs which isn't unusual as they buy portfolios of many thousands of debts and receive only the basic of information.

 

As I said if the CCJs haven't been enforced within six years then s.24 applies and they're stuffed in any case.

 

Of course you can plead ignorance of the CCJs yourselves & make them prove a debt exists & they have the legal right to pursue. With luck by the time they pull their heads out of their derrières the six years will be up. ;)

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zinc are known to chase 'dead' debts.

 

as for you CRA file

 

DONT assume that because a DCA is named as the owner

that THEY took the CCJ out!!

 

go up on th www.trustonline.org.uk site

 

and check who is the originally named claimant.

 

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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I think maybe the best bet is continue down the root of 'account in dispute' and threaten a complaint to OFT for their harassment. Maybe I will send of a cheeky letter to them regarding their doorstep threat too. Would challenging them on the 'statute barred' be completely futile given that they know nothing of the CCJ's?

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Ok have you at any time made any payments under the judgements.

Credit Files next then.

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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No, we have never received any documents, we only found out about the CCJ's when my wife obtained her credit report. This could be as the date of the CCJ's quite closely coincides with when we moved house though!

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i have had those threatening letters too now they have sent we are disappointed that i have not contacted them

 

and doorstep collections letters, was looking to replacing the doorstep as don't like the old one but its still there

 

the last few letters were please call them

 

so it might not be the CCJ or as bad as you think:-)

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hi yes if it's been more than a month since you checked. there could

be changes that affect this.

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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If you want the set aside, you will also need a valid defence. It won’t affect the SB status as a claim was lodged.

 

Best to be sure of the actual CCJs first, so worth checking under your old address to get the full details.

 

I’m guessing you’ve never seen the claim forms, so you won’t know the PoC at present. If you get a set aside, you’ll need to find this out by requesting a copy from the court (it will probably now only be held electronically).

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until you know the ccj's do still exist do not rely!!

 

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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