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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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It may be worth haggling and quoting financial guidelines which people like Rene can help you with. You need to get it in writing from them that if you agree to their settlement that your file/account will be closed from that point and it won't be passed on or no further attempts to take payment will be made.

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I took out my Mini credit in November last year, in true payday loan numpty style rolled over for 4 months. It took me 2 months to get them to agree any sort of Full and final or repayment plan. When they did offer a full and final it was £685 on a £300 loan, with all those contractual interest harges and debit fee attempts. When I rejected and questioned that it was passed over to Mackenzie Hall who agreed £274 and closed account.

 

Not seen a default on my account either.

 

Like Rene says stick to your guns.

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Lodge an official complaint with Minicredit.Wait for the final response(i actually asked them for this!) then get it off to the fos. Include all correspondence that you and they have sent.

Worked for me! I now have minicredit wanting to come to an arrangement with me!!!

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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Okay great - thanks for all the advice. I am going to wait them out, make the complaint and see what happens.

 

My main concern, regardless of what settlement figure we end up at, is how to pay them (safely) without using a debit card. They have given me the option of using uKash which would involve an additional 8% charge payable by me, so that is not particularly attractive. They say they do not accept cheques or bank payments - does the DCA that they pass it to have a facility to make payment using alternate methods?

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Okay great - thanks for all the advice. I am going to wait them out, make the complaint and see what happens.

 

My main concern, regardless of what settlement figure we end up at, is how to pay them (safely) without using a debit card. They have given me the option of using uKash which would involve an additional 8% charge payable by me, so that is not particularly attractive. They say they do not accept cheques or bank payments - does the DCA that they pass it to have a facility to make payment using alternate methods?

 

If it gets passed on to OPOS then yes you can pay straight into their bank account without them needing any debit card details. OPOS will set up an account with your debt owed, you make the payment and it normally takes 48 hours for the amount to be processed and viewable on your account with them.

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Plus with OPOS they are more likely to accept just repayment of the original loan and one month interest - if you dispute the extra charges added then they should immediately accept the former offer (especially since you will be making a one off payment).

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  • 2 weeks later...

Update - still haven't heard anything further from them. Should I just continue to wait till they send it to OPOS? I have enough left to settle it now if I can get them to accept loan + 1 month int.

 

Just dont know how to get them to agree to that. Seems impossible at this point.

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Update - still haven't heard anything further from them. Should I just continue to wait till they send it to OPOS? I have enough left to settle it now if I can get them to accept loan + 1 month int.

 

Just dont know how to get them to agree to that. Seems impossible at this point.

 

They normally pass it on after you request this. A 'Hardship Application' will firstly be activated on your account which you fill in with basic I&E details and then you have to either fax or post it to them. They pass accounts on to OPOS twice a month after they have approved your Hardship Application.

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I have just had mine passed to Opos after filling in the details on the hardship form, they said they have added 120 days interest on (only defaulted 25 days ago) and alsorts of other charges and the account wont be with Opos until October now. I am going to contact Opos, contest the charges and complain to the OFT but i have no idea how to do this.

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They passed my account on with 120 days worth of interest too. OPOS have been happy for me to set up a repayment based on the original loan and one months interest - they should wipe that unfair 120 day charge. Your account will be passed on at end of Sep and OPOS will contact you probably in the first week of Oct.

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They cannot add 120 days interest on. This is easily contestable.

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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  • 2 weeks later...
Don't pay them their offer of £893. Tell them you want the debt to be passed on to OPOS (their in house DCA). OPOS should wipe all those extra charges and agree for you to repay back the original loan amount and the one month interest. They will let you repay it back at a reasonable monthly rate (I'm paying them a minimum £20 per month).

 

Hi there,

 

How did you get them to agree to this. if what was your original debt and how much are you paying off?

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You need to ask Minicredit to activate a 'Hardship Application' on your account with them. It is just a basica income/expenditure form - no in depth details required. Fill it in and then fax or post it back to them (they don't accept it sent back by email). It takes them five days to review your application and they then should approve it for it to be passed on to Opos. They pass accounts over to them at the end of each month and you will hear immediately from Opos.

 

My debt got passed over at nearly £1200 but Opos have agreed for me to pay back the original loan and one months interest which is £590. I'm currently on a £20 per month plan, am three months into it and have always been able to pay more than £20. I'm reviewing my payments in two months time with them when I will be in a position to pay more so to clear the amount more quickly - hopefully by Feb. I've had no problems with Opos - everything by email and no further contact/harrasment made by Minicredit which was one of the reasons why I wanted the debt to be passed over so to have no further dealings with them.

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Hi there, I have now received a phone call saying i owe £500!! however original loan was £150 £185.50 with interest, they have already taken £50 out of my account, (cancelled the card asap) They say i will be sent to the Debt collector, will they be able to reduce the debt owed to the original loan plus one months payment? as i believe £500 it extortionate i managed to negotiate to £450 taking into account the £50 i have already paid but i still believe this is way too much.

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Let them send you to whoever you want. You're only going to be paying the original amount and not their unlawful charges.

 

 

Never agree to something you dont owe. They scare you into thinking they do, especially on the phone, just so they can get more money.

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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You wont be paying ANY of their stupid charges. These idiots are well known for inflating debts with unlawful fee's.

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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They cant deny it, although they will try it. Just remember, OPOS is minicredit. Theyre just using a different name.

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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