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    • 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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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motormile/ndr/marshal hoarse balliffs


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hello to all could someone advise me of my situation, i received out of the blue a threating text from northern debt recovery stating that if i dont contact them asap they will send baliffs round to empty my house there were other things in the text to, they said i took a loan out on the 12/10/12 thats amazing because i have been unemployed for 6 months now i am an x policeman, i had to leave for medical reasons, so i was shocked to receive this so i replied and guess what it bounced back, so i tried to find out there address and with my contacts i still had trouble simply because they are not where they said they were, these people are invisable, i since had another text and a letter, i have replied to the address that i have found through colleagues research and sent all 3 a kind letter (not) but still had another text saying that they have passed on my file to solicitors and bailiffs, and a doorstep collection would proceed, i cant wait for them to turn up, i am 6'5" and 20 stone, if they turn up i will bury my size 13 foot where the sun dont shine. so after all that has anyone got any idea where these people get off, and a possible address so i can arrange a visit for them ? this makes me laugh but makes my family worry that someone will turn up when i am not there, i have been told to report these muppets to oft but i have trouble finding theses ********s how can oft trace them?

 

thank you all any advice would be great

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Hi Welcome to CAG,

 

Just read through your post and one or two points puzzle me, I sure you will be aware as an ex pc that baliffs can only be instructed once a CCJ has been obtained and a debtor has failed to comply with the judgement order.

 

You say that theses ''people'' state you took out a loan 12/10/20012 just 7 days ago?

 

Also I am sure you must also be aware that physical violence is not going to help this ''situation.''

 

Who are the people chasing the alleged debt?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I was only joking it just makes me angry that no one seens to know where they have there offices the company that are chasing me are northern debt recovery and after reading through the forums they seem to be popular any advice would be good

Kind regards

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NDR Contact Mr. Garry Chapple 15 Lyndhurst Gardens, Hampstead, London, NW3 5QA

tel: 07768255622

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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Well ndr have sent 3 texts of threatening nature saying that i have not contacted them in either email letter or phone call so they say they are going to pass files onto solicitors and bailiffs then take goods from my home to the value of 9 times the balance. I have not taken out a loan it says the debt was from quick quid / wageday advance i have only heard of these people recently and they are sharks according to people on the forums. I have kept all the emails and the letter they sent as evidence i would send them a letter from a solictor to if only we knew where there offices were i hope this helps

 

Regards and thank you

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paul49, can we have some more details cause currently its all a bit unclear which makes it hard to offer much advice.

 

first of all, Motormile is one company, while NDR / Marshall Hoares is another company, which leads to the question is it one and the same debt they are chasing?

If yes, which one of them legally owns the debt?

Where is the debt originally from? a payday loan? if yes, which pdl company?

When was the loan taken out and for how much?

how much has been repaid?

 

Also, contrary to what BRIGADIER2JCS implied by providing a phonenumber, do NOT under any circumstances ever phone any pdl or dca unless you can record the call in full, those companies are well known for agreeing to payment plans over the phone only to turn around and raid your bank account, as well as making extreme threats.

Keep it all in writing, the law is on your side, but only if evidence exists.

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I did not imply that the phone number SHOULD be used but actually it might be a good idea to check on this contact given the strange lack of data on the company.

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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helllo there further to your reply, the threatening texts and the letter i received was to related to a loan taken out from quick quid / wageday advance on the 12/10/12 which i have never , the balance they say is owed is £420, plus any charges they want to add, then yesterday i received another email from motormile regarding the same debt, and was for £776.00 of which they would reduce the balance if i send them £350.00 i dont know where this has come from and its getting a joke now, i have tried contacting motormile via email not phone has was instructed and i have not heard anything ! i would like all documented proof of this debt but they have not replied has yet, i have read various stories about ndr which the letter was from and they have dodgy reports you cant email these people because they bounce back and i will not ring them i did that once and suffered verbal abuse, and it cost £11.00 pound in phone calls according to my bill. so i have reported these ndr people and motormile to oft and awaiting a response, the address i was given above also is false, and the mobile number is wrong, 15 lyndhurst gardens hampstead is not the address for ndr has my sources tell me, so how do i get these people of my back and to stop making threats to me and my family? oft seem slow but i guess they are very busy with other complaints, any advice would be great, i hope this is more detail for you has you requested

 

regards

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helllo there further to your reply, the threatening texts and the letter i received was to related to a loan taken out from quick quid / wageday advance on the 12/10/12 which i have never , the balance they say is owed is £420, plus any charges they want to add, then yesterday i received another email from motormile regarding the same debt, and was for £776.00 of which they would reduce the balance if i send them £350.00 i dont know where this has come from and its getting a joke now, i have tried contacting motormile via email not phone has was instructed and i have not heard anything ! i would like all documented proof of this debt but they have not replied has yet, i have read various stories about ndr which the letter was from and they have dodgy reports you cant email these people because they bounce back and i will not ring them i did that once and suffered verbal abuse, and it cost £11.00 pound in phone calls according to my bill. so i have reported these ndr people and motormile to oft and awaiting a response, the address i was given above also is false, and the mobile number is wrong, 15 lyndhurst gardens hampstead is not the address for ndr has my sources tell me, so how do i get these people of my back and to stop making threats to me and my family? oft seem slow but i guess they are very busy with other complaints, any advice would be great, i hope this is more detail for you has you requested

 

regards

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I would send the letter found here to Quick quid, as well as Motormile, http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

Also ask Quick Quid for clarification of who owns the debt, if they say they sold it, request a notice of assignment.

 

As for NDR / MH get in a complaint with the FOS (technically you are supposed to complain to Ndr first and give them 8 weeks to respond, but just explain to the fos that Ndr bounces emails and physical mail goes to empty properties), as well as Trading Standards and the OfCom.

 

Unfortunately other than blocking calls from Ndr / MH with the phone if it supports it and complaining to regulatory outfits there ain't much that can be done to stop their harassment, someone who posted in another thread went to view the empty garage of ndr / mh with a property agency and there where piles of unopened letters for them inside.

 

I would also check with the credit reference agencies to see if there is anything else amiss, because from the sounds of it you may well have been a victim of identity theft and someone else took out a loan in your name.

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the addreess is not 15 lyndhurst gardens but lyndhurst terrace

 

even though nothern debt recovery ltd has a consumer credit licence along with its bogus baliff company marshall hoars baliffs

 

THEY ARE DORMANT COMPANIES AT COMPANIES HOUSE

 

 

 

Marshall Hoares Baillifs DORMANT COMPANY NUMBER 06871092

Directors:

Mr Gary Chapple

Mr Jordan Taylor

 

CIM TECHNOLOGIES PROPOSED STRIKE OFF COMPANY NUMBER 06144500

DIRECTORS:

Mr Jordan Leonard Tayor (using his sunday name here)

Mr Gary Chapple

 

NORTHERN DEBT RECOVERY LTD DORMANT COMPANY NUMBER 06956396

DIRECTORS:

Mr Gary Chappel

 

YOU NEED TO DIG DEEPER AND FIND THE REAL PERSON BEHIND THIS LOT IS A GENTLEMENN CALLED

 

OLIVER LARNHOLT

 

though he keeps his distant with only mashall hoars baliffs

 

now where do you think that registered address is, you guessed it, 15 LYNDHURST TERRACE NW3

 

A VERY UNSAVORY CHARACTER

 

http://blogs.mirror.co.uk/investigations/2011/09/this-wont-hurt-a-bit-says-payd.html

 

 

Current Individuals that run the organisation:

 

 

NamePositionOliver Larholt

 

Historic Individuals that run the organisation:

 

 

NamePositionJonathan Weinstock

 

Nature of Business:

 

 

Debt Collection

 

Current Address(es):

 

 

Address TypeAddressCorrespondenceMoonpod, 15, Lyndhurst Terrace, London, NW3 5QA, United KingdomPrincipal Place Of Business15, Lyndhurst Terrace, Hampstead, London, NW3 5QA, United KingdomRegistered OfficeMoonpod, 15, Lyndhurst Terrace, London, NW3 5QA, United Kingdom

 

Historic Address(es):

 

 

Address TypeAddressPrincipal Place Of Business1a, Sheffield Road, TUNBRIDGE WELLS, Kent, TN4 0PD, United KingdomRegistered Office1a , Sheffield Road, TUNBRIDGE WELLS, Kent, TN4 0PD, United Kingdom

 

 

 

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they are also mco, the pdl that has been fined more than half a million pounds and had its license revoked by the oft yet they continue to trade due to the appeal process taking a long time as well as using their other credit license.

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Hopefully tgis situation will be resolved if more reports are made regarding their conduct during the appeal procedure.

If it continues into next year is is likely then I would like to see it in the hands of the new regulatory body the FCA which appears from current information available will have more ''teeth'' and powers to act immediately unlike the OFT.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I have had a reply from oft today ndr are licensed but oft are looking into it 15 lyndhurst terrace is a garage so i have been informed so they have reported it i also have reported it all to fos awaiting there reply

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They also have a disused garage in in Turnbridge Wells (according to official registration its a historic address, but they still put it on some of their letters), also there was another property in the Lyndhurst area, but that took an ugly ending:

http://www.residential-property.judiciary.gov.uk/Files/2008/May/000026K7.pdf

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Tele No

0845 722 4499

Our ref

Epic/Enq/E/135621

Fax

(020) 7211 8877

Date

22 October 2012

Email

[email protected]

 

Dear Mr Groves

 

Consumer Credit Act 1974 (the Act)

Complaint Against: Northern Debt Recovery Limited, Casheuronet UK trading as Quick Quid, Wage Day Advance Limited trading as Wagedayadvance

Licence No: 631166, 603395, 623347

 

Thank you for your email received on 17 October 2012.

 

I can confirm that the business you mention holds a consumer credit licence. Under the Consumer Credit Act, holders of consumer credit licences must be fit and competent to do so and the Office of Fair Trading (OFT) has a duty to monitor the fitness and conduct of all traders who hold such a licence.

 

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: http://www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection

 

We have therefore recorded the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against this trader we may need to contact you again in the future. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.

 

While we are very sorry to hear about the difficulties you have been experiencing, the OFT has no authority to become involved in individual disputes between consumers and traders so we cannot advise you directly in this matter.

 

The Financial Ombudsman Service can help with most complaints about consumer credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the consumer credit licensee itself. The Financial Ombudsman Service can be contacted at:

 

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

 

i have received this email from oft can you make any sense of it it looks like ndr have a license so part of the forums reports are incorrect can someone please advise

 

regards

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If they have applied to renew they are considered to be licenced and can still trade.

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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