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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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      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.

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SPML / Capstone charges & ERC reclaim


pete42
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Hi...can anyone help me.

 

I had a mortgage with spml and also a loan with sppl from 2002 - 2006.

 

During this time like a lot of other people ran into difficulties,

finding myself in and out of court with repossesion orders..

...I was charged ridiculous amounts for admin fee amongst others.

 

..We eventually had a repossesion order granted against us but fortunateley we managed to sell the property in time.

 

..We were charged £13,500 ERC on the mortgage.

..and £6000 ERC on the secured loan...

 

The other fees and charges during this time were outrageous.

 

I believe we also had PPI on both these accounts that we were not aware of.

 

DO I HAVE A CHANCE OF TAKING THESE SHARKS TO COURT TO GET OUR MONEY BACK???

 

Any advice would be much appreciated

 

Thankyou

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HI pete

 

i've created your own thread

 

yes ofc ourse you can hit them

 

and prob wont need to do court

 

certainly not on the PPI or the PENALTY charges side

 

as for the ERC , i dont remember at this moment.

 

have you ALL the statements?

 

if not might be worth an SAR first

 

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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thanks DX

 

I am going to high wycombe on monday in person to their offices to pay the ten pounds for all my statements. does it matter that this was from 2002- 2006....My main gripe is the redemption fees even though we had to sell at no profit to cover these charges... has anyone won these back under these circumstances...

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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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Hi

I turned up at their offices today with a letter in hand asking for all my statements as I had lost them..

 

...After a few minutes I was greeted by Andy from customer services....

 

I handed him the letter and told him that I needed these statements for tax reasons (he believed me)!!!

and within 15 minutes he was back down with all my statements.

 

I told him that I was under the impression that a £10 fee was applicable to which he simply replied "dont worry"???

 

Back home going through these statements I was charged a total of £3500 in Arrears management fees,

£400 in Litigation fees,

£500 in Agents fees,

£350 in Repayment fees,

£250 in Unpaid direct debit fees,

£6700 in Legal costs ( was in court 3 times to appose repossesion orders)??? and

£5600 in early repayment charges ( even though at the last hearing the judge granted me 3 months to complete the sale to pay of the mortgage which we did....just)

 

My first question is which of these can I claim back??

 

My second is if I was to charge them interest on these amounts how does that work?

Is it 8% per year from when the charges were made??

 

Look forward and appreciate any advice

 

Pete

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PPI shoul show

 

if you look in the stickies of the link i sent you

 

you cant sort out what you can/cannot reclaim

 

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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THANKS.. i HAVE LOOKED THROUGH THEM....cOULD YOU TELL ME IF THE INTEREST ON ARREARS THAT i WAS CHARGED IS RECLAIMABLE??? ALSO THE 8% THAT I CAN CHARGE IS THAT PER YEAR FROM WHEN THE MORTGAGE WAS PAID OFF UNDER THE POSSESION ORDER SO FROM 2006 UNTIL WHEN I SEND THEM THE RECLAIM REQUEST TOMORROW??

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you can reclaim int at THEIR rate on any fees you reclaim. until the mortgage was settled.

 

then 8% on the TOTAL of your first SOC @ 8% till today

 

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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schedule of charges [spreadsheet]

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

enter the PENALTY fees in the 4th one here

end the claim on the date you settled the mortgage

use THEIR int rate.

 

take the resultant figure

 

and enter that is the FIRST spreadsheet

 

under the date the mortgagewas setlled.

 

that should then give you the 8% stat till today.

 

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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  • 2 months later...

If you had a fixed term mortgage check if you were repaying the mortgage within that fixed term, for example the fixed term might be 3 years, if outside of the fixed term there is no way you should have to pay that amount of ERC. If you were within the fixed rate term look back at your original documentation when you first took out the mortgage that will tell you.

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Hi....Well after 8 weeks of waiting finally today a 5 page reply to my complaint of arrears management fees arrived......They are basicall saying that they are allowed to charge these fees and that they will not be reimbursing them....What do I do now??? The FOB is from what ive heard is a waste of time...Do I go down the court route???Is this a standard reply from them???And does anyone have any experiences of this...Please help me... Many thanks

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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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Thanks DX...

Can you let me know that even though I was in arrears at the time these charges were being incurred, I am still able to claim them back through the court. If these charges have been deemed 'unfair'.....and although my mortgage with them was redeemed 6 years ago...how can they still be charging them to other people today??please help

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yes makes no odds

 

they are an unlawful PENALTY charge

 

matters not wht state the account was in

they do NOT truely represent their admin costs.

 

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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Thankyou. Is there a draft or anything that will give me an idea as what to say on the paperwork for the court?? And what else should I send in with the paperwork..

 

Thanks in advance..

 

Pete

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  • 3 weeks later...

In the early days of CAG some people tried to claim Early Redemption Charges and lost in court costing excessive amounts in costs so I wouldn't suggest you try for that.

 

You should ask for copies of their solicitors bills to make sure they aren't charging more than it cost them.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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  • 2 weeks later...

I had prettying the same issues as you with SPML.

I managed to claim the ERC charges back without going to court however.

Basically I argued the toss with them about they required 1 month notice on the sale of the house and therefore repaying the mortgage.

They stood fast with the arrears management fee though and in the end cut my losses and settled for about £2000 from them when I had calculated they owed me around £8000.

Saying that, it took a lot of letters going back and forth. They originally offered a couple of hundred pounds... But with persistence I got the £2000.

Looking back I wish I had the guts to have taken them to court, but reading some horror stories on here I decided to cut my losses.

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