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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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Friend lent money


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Just after some advice please.

 

An old friend very kindly lent my business 2K, (otherwise I would have had to shut down) but I havent been able to repay it in the timescale I had hoped and now she is threatening me with legal action

 

Please can I ask a few questions to see how best to deal with this

 

1. The loan was for my business and paid into business account

2. Ltd Company

3. I've no assets, and owe money to Landlord (who is ok with debt at the moment. I keep him updated and pay him when I can)

4. I do owe British Gas about 3K - although this is in dispute at the moment

5. I didnt want things to become nasty with friend, and can see that I'm at fault in not being able to pay back in the timescale I'd hoped but business has suffered in Recession and I didnt expect us to go into another Recession. I'd hoped we'd be out of it by now.

6. Ive explained situation to friend but she is fed-up and want money back now or will go down legal route.

7. I am unable to get any finance/loans other than work coming in as I've screwed up my credit file trying to keep buisness going - which I have for the last four years of the Recession, so really dont want to give it up now!

 

Please can someone advise me of best options?

 

If I get taken to court, although I have no assets with business, can they close me down?

 

Friend says she will accept monthly payments but I cant guarantee these and also she wants them at a high rate every month to clear it quickly.

 

I dont draw a salary as I dont have enough spare money to do this, and before you ask I havent been on holiday for the last 5 years!

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Ouch, this is the quickest way to end a friendship. I am not sure what you can do. Sadly, if your friend issues a Statutory demand, then yes you could be made bankrupt if you are unable to pay your bills.

 

I will try and find someone who might be able to think of something else.

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Hi Citizen

Thanks for this.

Fortunately the friendship was more of an acquaintance, so not worried about this bit too much, but still didnt really want things to get nasty.

I also suppose this could work against me as well because she wont have any worries about Bankrupting me though.

Have you had any luck your end with anyone that may be able to help?

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If she bankrupts you chances are she will not get the full amount back anyway, however all the other debts will disappear. Maybe not such a bad thing if you are in a lot of debt with no way forward. Not the best thing to happen, but ..................

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What is to prevent you from winding the Ltd company up? Any debts owed by the company are not your personal liabilty that is the point of Limited Liability status... unless of course you acted as a personal guarantor.

 

http://www.companieshouse.gov.uk/infoAndGuide/windingUpCompany.shtml

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Yes my premesis are personally guaranteed so this isnt the best option to either wind it up or go bankrupt. As I said I owe my landlord but he has been very supportive over the last 5 years so I would really not like to stitch him up. I've also worked so hard to maintain things during this recession so to take this way out would mean I loose my house because of the guarantee I made for the premesis.

I dont want to go down this route.

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Well firstly, what was the arrangement between tyou and your friend ?. Was there a contract ?. Did it mention dates to repay the debt ?

 

Obvioulsy if there was no written contract then nothing maybe repayable as it may be difficult to prove.

 

Andy

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no she does not have a credit licence and no she is not an official lender. This was an aquaintance lending me money. I think I may have signed to say I received it but there was no Contract drawn up with any clauses and T's & C's.

She has emailed me asking me to pay but I've not replied so that I'm not admitting to anything just incase she cant find the letter I signed.

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It would appear she doesnt have much hope at court then as even if there was something signed if it doesnt have any T&C's or mention when the money is to be paid back then you could simply say..yes I borrowed it and it will be paid back in the future.

 

Clearly the sensible thing would of been for the 'contract' to say 'to be paid back on demand' or something similar.

 

I assume you don't have a copy of the 'contract' ?

 

Andy

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Even if there are no T&C's stating a repayment timescale, the Court could impose them. A promise of repayment that extends indefinately into the future is unlikely to be regarded as reasonable.

 

Note that if the friend gets wind of the fact that the business is effectively bust, she might apply for a winding up order. It might therefore be wise to pay her something, no matter how little, on a regular basis.

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As it is this boils down to ''a debt of honour'' a loan from a friend, obviously no agreement set out in writting and signed by both parties, no one could expect this loan to be covered by CCA 1974 or for the lender to have a consumer credit licence, negotiation on a sensible basis is the best way to reach resultion.

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Even if there are no T&C's stating a repayment timescale, the Court could impose them. A promise of repayment that extends indefinately into the future is unlikely to be regarded as reasonable.

 

Note that if the friend gets wind of the fact that the business is effectively bust, she might apply for a winding up order. It might therefore be wise to pay her something, no matter how little, on a regular basis.

 

How can they do that if there is no proof of debt?

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This is a private loan so there is no basis for Ts & Cs etc., a simple money claim would most likely result in a forthwith order.

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I do tend to agree with the Brigadier. Providing there is some proof that she lent you the money as opposed to gifted it to you, she will be able to make a legitimate claim. I do think the questions of CCL's etc are just silly and misleading.

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  • 3 months later...

Please can you advise me? All has been quiet until this week. I've now been told by this person to expect a CCJ to arrive for me this week!!

 

So, lots of questions to ask?

 

The loan if proved, was a business loan.

 

What are the implications of a CCJ with a business?

 

The business is Ltd with no assets, apart from a very old Computer.

 

I am still trading and working, although do not earn enough to draw a salary from the business since the recession hit!!

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It now down to wating to see the particulars of the claim, you can do nothing until then.

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The claim should definately be in the Companies name, and I know I'm worrying unnecessarily until it arrives, but please can you give me a rough idea as to what it means for a business to have a CCJ. Do I have to close it down? I cant pay back the monies all at once if they are proved. Do they have the right to send in the baliffs?

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As you say there are other creditors who need paying, they all could seek a winding up order.

If the CCJ is granted and you fail to meet the Judgement Order yes the creditor could apply for a warrant of execution and bailiffs could be instructed.

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All she has done by the sounds of things is issued a claim via Northampton bulk centre or your local court. The minute you receive it, let us know.

 

We will want to know.. what she is claiming for - called the particulars of claim - and the issue date so we can keep on top of the timing for you.

 

If it is issued out of a local court then you should at the very least to expect al the supporting documents attached to the claim. If out of Northampton Bulk centre, then you will have to send a CPR request for information.

 

We will cross that bridge when it is arrived at. Just let us know if and when the claim arrives.

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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