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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.  
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Confused with CRA info


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Good morning everyone.

 

Need some guidance please.

 

I have been paying CMC a monthly amount for around 14 months re a c/c debt with MBNA. I have looked at Noddle ( no debt with MBNA appears) and with Equifax ( MBNA appears but shows as satisfied 10/08). No other information regarding a debt with MBNA is showing.

 

Can anybody help me to make sense of this? I'm a touch confused. Should I check with Experian?

 

Any help much appreciated.

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Noddle often not up to date and many lenders do not report to them!

 

The Settled entry was when the debt was sold on.

 

Yes check Experian.

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often not up to date and many lenders do not report to them!

 

The Settled entry was when the debt was sold on.

 

Yes check Experian.

 

Thanks Brig'.

 

I've now checked all three. The only debt with MBNA is settled. There are no other debts with them, even with other DCAs. There are no other amounts even similar to the CMC amount I have been paying off.

I Have had a card, but that was some time ago.

There are no amounts similar to the amount being chased.

Think I've been taken for a ride. Shall I stop paying ?

Sorry if the reply appears odd, haven't quite got to with things yet!

 

Thanks in advance Brigadier.

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No prob, I think it would be wise to send MBNA a Subject Access Request under The Data Protection Act 1998, this will provide you with all the data held on the account.

There is a Statutory Fee of £10 and they have 40 days to comply it is sent addressed to their Data Controller and it is best to use recorded delivery, use the template from the CAG library.

 

Are you getting up to date statements from CMC, if not I would want to know how the balance is reducing.

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Back again!

 

Just checked EQUI/EXP. The MBNA debt registered as settled is 9k lower than the one that is being paid! I can appreciate that the debt appears as settled if it has been defaulted and moved on, the same amount appears as a default under a different owner. This one, along with another which is being chased does not appear (ie the amount and alledged owner) at all.

 

Whats the stand point on debts that are being chased but do not appear in any form on my credit report?

 

I'd be intrigued as to the position the DCA is in.

 

Thanks to you Brig and all the other guys. This site has opened my eyes and has armed me with the correct info to move on.

 

Thanks Caggers!

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All defaulted accounts will be removed from credit files 6 years from the default date and given that the cause of action cam be some time up to 5 months prior to the default

date if no payment or written acknowledgment has been made in that 6 years (5 in Scotland) then the debt is statute barred.

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Your welcome anytime.

Told you it wouldn't be long!

 

Just a quickie.

 

If the debt does not appear on the CRAs can it legally be enforced? I have asked 1st Credit for my CCA. All that was returned( admittedly within time ) were some photocopies of statements. They did not send anything else. The attached memo type thing instructed me to ring them ASAP. I have not.

 

They have until this Thursday to supply all the required info. If that does not appear I will send them the next letter.

 

I am not evading this debt. The amount that I will repay on a monthly basis will be very small due to the advent of progressive MS.

 

I am aiming to be prepared with as much info as poss. This DCA was very aggressive in their approach. It is my intention to ensure that they jump through as many hoops as is legally required before any admission/offer is made. this debt also has plenty of PPi and charges associated with it.

 

I hope this all sounds understandable.

 

Thanks in advance.

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Q 1. not neccessarily if a debt does not appear it can mean 1. 6 rears have elapsed since the default date and the entry has been removed. 2 Some times when a debt is sold or assigned to a third party there can be a gap in the reporting.3. The cuase of action ie the date a payment was due and not made after whivh no further payment was ever made (the default) is often some months prior to the actual default date, so a debt may already be SB BUT just because it is not on the files does not automatcally mean the debt is statute barred as ANY payment or unequivical written acknowledgment restarts the 6 year clock.

 

A CCA request is satisfied if the agreement or a reconstituted aggrement together with a statement of the account is supplied within 12 + 2 working days,that is all that is required.If there is no aggreement or a recon place the account into dispute until they produce one.

 

I believe that your progressive MS also places you as a vulnerable person and the DCA can be reminded of the OFT guidance regarding this situation.

 

Please do not hesitate to post if you need further help.

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Q 1. not neccessarily if a debt does not appear it can mean 1. 6 rears have elapsed since the default date and the entry has been removed. 2 Some times when a debt is sold or assigned to a third party there can be a gap in the reporting.3. The cuase of action ie the date a payment was due and not made after whivh no further payment was ever made (the default) is often some months prior to the actual default date, so a debt may already be SB BUT just because it is not on the files does not automatcally mean the debt is statute barred as ANY payment or unequivical written acknowledgment restarts the 6 year clock.

 

A CCA request is satisfied if the agreement or a reconstituted aggrement together with a statement of the account is supplied within 12 + 2 working days,that is all that is required.If there is no aggreement or a recon place the account into dispute until they produce one.

 

I believe that your progressive MS also places you as a vulnerable person and the DCA can be reminded of the OFT guidance regarding this situation.

 

Please do not hesitate to post if you need further help.

 

Hi Brig.

 

Thanks for the reply.

 

I'm back for more unfortunately!

 

Brief history so far:

Halifax cc debt passed to 1st cred.

Recieved aggressive letters from 1st and letter offering 5per cent discount.

Requested CCA with library letter. Recieved some iffy photocopies of what appeared cobbled together info. No interest or other info on statements. There was no CCA enclosed, just a memo type thing telling me to contact them immediately. I didn't.

I sent another request stating that the CCA was not Recieved and updated them on the dates for their obligation.

Today, I received a letter thanking me for my recent correspondence. Ad surprisingly they have passed my request to the appropriate department? Not sure what department it has been passed to.

 

I'm now considering sending the letter saying the account is in dispute and they have failed to meet their obligations. Is that correct? Today was the last day that they had to supply the info.

 

Checked CRA again and the debt does not exist in my report.

 

Just wondering what your thoughts are with regards to the response from 1st and my idea of sending the letter? All previous correondance to them have said quite clearly the account is in dispute.

 

If you could have a look at my waffle Brig, I would be very obliged.

 

Thanks again Brig. Your incites are excellent.

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Sounds like a very poor attempt at a recon, the document must be easily legible and must have your name and the address at the time the agreement was signed together with the Ts & Cs at that time and any amendments and the Ts & Cs when the account was closed.

 

So an account in dispute letter is in order.

 

To The Compliance Manager

Ist Credit.

 

Ref: As on their letter.

 

 

Dear Sir or Madam,

 

I refer toyour letter date xx xx xxxx in reply to my request for a copy of the agreement for the allged debt under sections 77/78 of the Consumer Credit Act 1974 and amendments, having now reviewed the documents provided and taking advice on this matter I do not believe that the array of poor photocopies are compliant with my request.

 

Having now sent a further request which I am informed has been passed to the correct department,I would not expect to receive the same useless documents again.

 

As IST credit failed to comply with my original request I now consider this matter formally in dispute and will not enter into further correspondence until a compliant document is produced in answer to my lawful request.

 

Please note this document is not acknowledgment for any debt, liability or obligation to 1ST Credit or any company you may claim to represnt.

 

RD.

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Sounds like a very poor attempt at a recon, the document must be easily legible and must have your name and the address at the time the agreement was signed together with the Ts & Cs at that time and any amendments and the Ts & Cs when the account was closed.

 

So an account in dispute letter is in order.

 

To The Compliance Manager

Ist Credit.

 

Ref: As on their letter.

 

 

Dear Sir or Madam,

 

I refer toyour letter date xx xx xxxx in reply to my request for a copy of the agreement for the allged debt under sections 77/78 of the Consumer Credit Act 1974 and amendments, having now reviewed the documents provided and taking advice on this matter I do not believe that the array of poor photocopies are compliant with my request.

 

Having now sent a further request which I am informed has been passed to the correct department,I would not expect to receive the same useless documents again.

 

As IST credit failed to comply with my original request I now consider this matter formally in dispute and will not enter into further correspondence until a compliant document is produced in answer to my lawful request.

 

Please note this document is not acknowledgment for any debt, liability or obligation to 1ST Credit or any company you may claim to represnt.

 

RD.

 

Cheers Brig.

 

Thanks once again. Will send the letter tomorrow.

 

Will keep you posted with regards to any reply. It rang some bells as my logic would be that if you had the correct documents, one would hope that thy would send them so as to get the recovery ball rolling. And as you mentioned I'm wondering how many departments these people have!

 

Ta Brig, will let you know how it goes.

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