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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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Safeloans ltd -ccj issued


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hi my daughter has had a ccj issued against her from safeloans ltd,she has been on a DMP with cccs for a couple of months now paying them 7 pound a month but safeloans reckon she owes them 594,now she first got a 250 loan but 351.50 is interest and loan charges{what a rip off ] why cant the government do something about these types of loans is beyond me,anyway i want her to put up a defense as the charges/interest is a joke any help on wording for me that i can use on the defense form.

thanks much appreciated

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I take it you mean you have receieved court papers to start the claim? If so you only have a limited time to respond. i

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 you have 5 days for service = 2nd Sept then 14 to acknowledge = 16th and then a further 14 days to lodge a defence.

 

You can acknowledge on line...have you acknowledged yet? If not I wouldn't leave it until the last minute.

 

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If you are going to defend the claim then the first step is to acknowledge the claim...you can do it here

 

https://www.moneyclaim.gov.uk/web/mcol/welcome

 

You don't have to enter your defence at this stage, just acknowledge and say that you are going to defend.

 

Then you need to get to work on your defence.

 

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ok we have acknowledged the claim online and have ticked to defend part of the loan and also contest jurisdiction because they should not have took her to court as she is already paying them with her DMP thanks

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ok we have acknowledged the claim online and have ticked to defend part of the loan and also contest jurisdiction because they should not have took her to court as she is already paying them with her DMP thanks

 

 

Sorry that is not what "jurisdiction" means. You can only contest jurisdication if you live in Scotland or NI and are issued against in England etc.

 

Also, I'm sure that you are aware but your daughter will now get a CCJ against her for the amount of money you have admitted to.

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Well for a start, a court isnt going to be happy with the creditor using the court system as a first means of debt collection on a debt that isnt old and is being paid by a dmp adhering to legal regulation.

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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hi again can anyone help should i not have ticked to defend part of the loan or should i have ticked to dispute all of it,as i was saying before she first took 250 in march rolled it over because she couldn't pay it ,but she didn't actually get the money and they have also added interest and loan charges on top so that's 351 interest she has to pay thanks

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OK sorry to be pain but as we are defending part of the claim for interest and loan charges do we need a solicitor to help with this ,if so we really cant afford one,so we are basically stuck thanks

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You should have ticked to defend ALL of the claim.

 

You do not have to contest jurisdiction as the defendant it will automatically be referred to your nearest court in the event that the claimant decides to continue once they have seen your defence.

 

Just having a quick read of what has been said so far. .

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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

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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.

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so you have 5 days for service = 2nd Sept then 14 to acknowledge = 16th and then a further 14 days to lodge a defence.

 

You can acknowledge on line...have you acknowledged yet? If not I wouldn't leave it until the last minute.

 

Ok your defence will need to be in by the 30th September - suggest you get it in at the very least a couple of days earlier.

 

Can you please tell us exactly what it says on the claim form.. in the larger box lower down.. the reason they are taking you to court ?

 

When did your daughter take out the loan - when did she default on regular payments and need to go into the DMP and why.

 

Do you have written confirmation that they will accept the lower payments.

 

Are you dealing with the DMP yourself or is there a company/charity dealing with this for you.

 

Was there any attempt to have the interest and charges frozen.

 

Can you please answer all the questions above.. then we might be able to help you put a defence together.

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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Ok your defence will need to be in by the 30th September - suggest you get it in at the very least a couple of days earlier.

 

Can you please tell us exactly what it says on the claim form.. in the larger box lower down.. the reason they are taking you to court ?

 

When did your daughter take out the loan - when did she default on regular payments and need to go into the DMP and why.

 

Do you have written confirmation that they will accept the lower payments.

 

Are you dealing with the DMP yourself or is there a company/charity dealing with this for you.

 

Was there any attempt to have the interest and charges frozen.

 

Can you please answer all the questions above.. then we might be able to help you put a defence together.

 

Hi sorry but I am working away at the month and won't be home till friday then I will let u know what it says on the claim form.She has been on her dmp for just about 3 months and no letter to say they have accepted dmp and as far as I'm aware not sure on frozen interest and she went on dmp because she got into too much debt with paydays loan upto 5 different companys I think.would there be anyway fOr us to change the defend part of the cliam to defend all of the claim or is it to late now thanks for u help

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Hi sorry but I am working away at the month and won't be home till friday then I will let u know what it says on the claim form.She has been on her dmp for just about 3 months and no letter to say they have accepted dmp and as far as I'm aware not sure on frozen interest and she went on dmp because she got into too much debt with paydays loan upto 5 different companys I think.would there be anyway fOr us to change the defend part of the cliam to defend all of the claim or is it to late now thanks for u help

 

Sorry she is on Dmp with cccs thanks

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Interesting to note that one of the Directors of this Safeloans is also a Director of the BCCA British Cheque Cashers Association - It is interesting reading their code of conduct too....I would suggest that if you are in a repayment plan and you do come to an agreement then you report them to the OFT or if you aren't happy with the excessive penalty charges then ask for them back, if you aren't happy with their response then you can open a complaint with the FOS who will charge them £450+ just to investigate your complaint. - this is their self made 'code of conduct' - http://www.bcca.co.uk/Uploads/Consumer%20Code%20of%20Practice%20V4%281%29.pdf

 

If they are in breach of their own code of conduct then it would be a breach under CPUTR2008

 

It clearly says that they have to act 'fairly'

Edited by 42man
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" Would there be anyway for us to change the defend part of the cliam to defend all of the claim or is it to late now thanks for u help "

 

If you submit a defence on MCOL it will be treated as a full defence so don't worry about selecting the wrong option.

 

Regards

 

Andy

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sorry for the delay this is what it says on the claim form thanks

 

'The claimant agreed to lend the defendant under a fixed loan agreement dated 30 th march 2012 the sum of £250.The Defendant agreed to repay the loan in full or an agreed date to extend the loan paying a further service charge.On 30/04/2012 the defendant failed to repay the claimants loan or extend and the defendant is in default of the terms of the loan agreement.The Defendant has agreed to pay the Claimant's expenses charges,in the event of any default as set out in the terms of the agreement..The Defendant has failed to make payment to the Claimant in accordance with the terms of the loan agreement....And the Claimant claims..1.The amount of £250 loan amount...2.Interest and loan charges of £351.50...5 The claimant claims statutory interest at 8% up until the date of judgment or settlement,under section 69 of the County Court Act 1984...4The Claimant total claim is £594.37....Date: 23 august 2012

 

Amount claimed £594.37

court fee £55

Solicitors cost £0

Total amount £649.37

Edited by blu ray
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You need to issue a defence that contests the loan plus interest charges. Also use any and all communication ( or lack of) against 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..

 

 

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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