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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.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi, interested to know whats on my credit file but dont want to do anything that might kick up a hornets nest. Had an IVA with DFD appx 6 years which failed in year 2. heard nothing since and we owe appx 60k across around 5 creditors. heard nothing as I say other than some of the creditors send an annual statement? should i get copy of report or leave well alone?

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Hi, interested to know whats on my credit file but dont want to do anything that might kick up a hornets nest. Had an IVA with DFD appx 6 years which failed in year 2. heard nothing since and we owe appx 60k across around 5 creditors. heard nothing as I say other than some of the creditors send an annual statement? should i get copy of report or leave well alone?

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Checking your own credit files does not open you to contact, it is viewed only by you and no one else.

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Can I ask why looking at your own credit file seems to set off a flurry of interest from creditors

 

Too many people say that they are suddenly contacted by creditors after checking their credit files, after years of no contact, for there not to be an issue. I am suspecting that DCA's can sign up to some form of alert system, where they are advised of any change on the credit file and this may include you checking your file details.

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A vast majority of CRA users do not have any problems at all CRAs are a usefull tool for personal credit management, creditors are not aware that individuals check the files.

If this was so I for one would not use their services, but I have done so for many years with no problems whatsover, people that I work with and help say the same thing.

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Leave well alone. I am sure most dca's get print outs from the cra's showing who has had reports. If you don't believe me try it. I guarantee you will get pestered.

 

They report an individual accesses is not seen by anyone and does not impact in any other way, this myth has been around for so long people have come to believe it, had this been happening forums such as CAG would not have room to show all the posts.

DCA's/Creditors DO NOT get printouts regarding personal searches.

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Not sure I would trust CRA's since they have changed to finding new ways of making money. Smacks of Big Brother if you ask me. Yes they are absolutely vital for good credit management and we would be in a worse financial position without them, as banks would have difficulty assessing credit risk, so could make matters worse. But they now seem to sell various services and I am not sure that their use of data is properly explained. Perhaps CAG should ask the CRA's, why debtors are suddenly contacted after a credit record check, after years of no contact. Is there an alert system to creditors ?

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I think this has been explained a number of times, debt purchase companies and DCAs regularly monitor the files of accounts on their books ID checks unrecorded searches etc.,

If they have a new account they will be making new checks at some point.

 

What does happen is if a debtor makes a credit application approved or not this shows as searches on credit files, of course this will show on files then maybe there will be contact.

 

I have checked this there is no alert personal searches are just that personal.

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I will never be convinced that dca's get no info when certain people get cra reports. I know several whose debts were dormant until getting a report then they were swamped, by several dca's for different debts. No way is it just coincidence. This will never be proved as they won't admit it.

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The debts may be dormant but the DCAs will be making regular checks to see if there is any new accounts etc being taken up. To continue this myth is no helping those who need the information, very unhelpful.

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Found this on the web it makes interesting reading about the CRA and it appears that their interests spread far and wide…..

 

‘In 1996 GUS plc acquired the US credit reporting business Experian, formerly known as TRW Information Services, from Bain Capital and the Thomas H. Lee Partners.

Like the other major credit reporting bureaus, Experian is chiefly regulated in the United States by the Fair Credit Reporting Act (FCRA). The Fair and Accurate Credit Transactions Act of 2003, signed into law in 2003, amended the FCRA to require the credit reporting companies to provide consumers with one free copy of their credit report per 12 month period. Like its main competitors, TransUnion and Equifax, Experian markets credit reports directly to consumers. Experian heavily markets its for-profit credit reporting service, FreeCreditReport.com, and all three agencies have been criticized and even sued for selling credit reports that can be obtained at no cost’.

 

http://en.wikipedia.org/wiki/Experian

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DCA's can sign up to an alert service with the Credit Reference Agencies.

 

If you apply for credit, change your details or apply for your credit report and a DCA have included you onto the alert service, then the credit reference agency will notify the DCA of your personal updates.

 

This is why so many people get DCA letters through a change of address or by getting a credit report many years down the line.

(Including me, updated Bank details through a move, a week later and DCA (who previously I never had contact with) letter arrives).

 

 

Some credit reference agencies now do more than simply collect and sell personal data - they also provide a tracing service for third parties. That means that if you go missing without repaying a debt, they’ll help whoever you owe to track you down.

Extract from... http://www.bbc.co.uk/programmes/b006mg74/features/credit-reference-agency

 

Stigman

Edited by Stigman
My spelling is rubbish! Need a spell checker lol

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

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Well just for the record.

After a long period of inactivity from multiple DCAs, I bit the bullet and signed up for Noddle about a month ago.

Since then Capquest are ringing two or three times a day. Letters arriving from Credit Solutions on a weekly basis and good old Moorcroft and Lowells are trying it on again even though both have recieved Stat Barred letters in the past and agreed with the Stat Barred status!!

It doesnt matter to me because thanks to CAG almost everything is Stat Barred but I do think this is far more than just a coincidence.

Just my experience but in answer to the question I would tell anyone to be VERY careful when deciding to sign up to a CRA.

After years of dealing with these creeps, I would most certainly say that the almost unregulated financial side of this country, ie banks, DCAs, CRAs, etc all definately crap in the same pot!!

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The other possibility to a CRA alert system, is that the DCA's have the IT available to continually check against credit records and if there is any update it creates their own alert, where they can then start collection activity again.

 

It would just surprise me if the DCA's had this level of IT available to them and that they were continually checking credit records for updates. Also the DCA's IT systems would have to link to all 3 CRA's, which may not be possible. Hence why I think it is more probable that the CRA's provide alerts to creditors.

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I'm getting e-mails and calls from a lot of people who I have helped in the past about suddnen contact from DCAs, these people have not checked CRA files for at least year, yet Capquest, Transcom, Motormile, Lowell and others have popped up out of the blue, im my experience this seems to happen every year a moth or so before Christmas.

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wow, lots of information and conflicting opinions. I wanted to sign up for free trial just to see what is on report and understand exactly what my o/s debts are. As I said, since IVA failure have heard very little other than a couple of debts, one with Lloyds tsb for appx 2K which debt chaser changes hands on a frequent basis and I get letters sporadically and the DSS one which CCS have recently started chasing for £2200.

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wow, lots of information and conflicting opinions. I wanted to sign up for free trial just to see what is on report and understand exactly what my o/s debts are. As I said, since IVA failure have heard very little other than a couple of debts, one with Lloyds tsb for appx 2K which debt chaser changes hands on a frequent basis and I get letters sporadically and the DSS one which CCS have recently started chasing for £2200.

 

Well you could always be the test pilot ? Apply for your credit record and then post back in a few weeks, as to whether you are chased for the debts again.

 

The thing is that if you need to know what is on your credit record, you don't really have a choice and if you are chased for the debts by the latest DCA, at least you can take the relevant action.

We could do with some help from you.

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I am in no doubt this goes on.

 

About 2 years ago I checked my file, up to this point I had heard little from creditors for about 3-4 years. Within a month of checking my file I had 4 or 5 of them crawl out of the woodwork and start sending me letters, one even launched a CCJ.

 

I also started to get letters from bad credit type cards Aqua etc and I remember reading in one of the letters something along the lines "We notice you are trying to improve your credit rating"

 

Also I recently moved house, I updated my address via my bank. I have had no letters for about a year and today I notice DCA's have started searching my file again. So I am expecting another round of letters!

 

I firmly believe some sort flag or data is stored on your profile that says when it was last checked/updated and creditors are given access to this because if you are checking your file you usually want to clean it up and possibly pay bills. It also shows that the information is valid and up to date so you are an easier target.

 

My advice is if you dont need to check your file and you have old debts dont, just lay low!!

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It's not the personal checks that produce contacts any use of a financial comparison sites such as looking at credit card 1 click just out of interest on a company such as Capital One or Vanquis has you tagged as trying to improve your credit status even if you don't even make an app, once out there the flood gates are opened.

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I disagree, I have never used one of those sites, I think companies like Aqua buy a list from Experian/others of people who A) dont have a good credit rating and B) have checked their file within the last X number of days.

 

It is not far fetched to believe that.

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