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    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • 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.  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) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 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 contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No 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 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 this document.  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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. 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 2) 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. 
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      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.

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      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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Payday express help


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Hi got a loan of of p ex on the 26 of oct paid it off on the 6 nov really early sent they sent me a email saying i had and i got a rebate of 60 pound today got a tex saying they were taking it out of my bank account tomorrow isaid but that was a rebate the man i spoke to said there had been a mistake and i owe 60 pound i said why didnt you e mail me he said they dont have to and they had tryed to ring me and got no answer i told him my son had not long passed away and i am not working he said i should have rang them when my died and told them really bad bad service by the way u can not e mail this shower so i said there is nothing i can do till monday and guess what people of this great country they are going to charge me interest what a low life company

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Gladstone yes you did indeed fail. It would have been quite enough to just say you didn't understand rather than attack the poor poster who you know nothing about.

For the OP the address is [email protected]

As for telling you to phone them when your son died it is a disgrace.

 

Did they take the money?

If not i would get your report your card as stolen and your account compromised.

Do you have any confirmation of the discount.

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Thank you @zydeco.

 

Gladstone,just reread your post and i do take exception to you saying i am encouraging bad English. My own written expressive English is far from good and that is maybe why i do not condemn others. I do however deplore text speak unless used in a text message. However until proved otherwise I stand by my previous post.

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hi yes my writing was bad due to breakdown came home from work found my son had died in his sleep anyway what i am trying to say is paydayexp and mr lender do not help i sent all the documents income proof and letters from steps anyway they wont accept my offer 5 a month till i am better.i have closed my bank account so they will have to send me details how to pay them so i am saying is they do not help i sent a letter to the house of commons and got a reply saying they are going to look at payday loans at the end of nov there is a new agency being formed to deal with all the complaints about them .

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Hi Parisone. First of all, so sorry for your loss.

 

Payday express (as you've learned) are unsympathetic to your personal circumstances.

 

Some would say that you've given them more than enough already by providing your income and expenditure details.

 

It is your right to deal with this in writing or email only if that Is your wish! If you haven't already, send them the telephone harassment letter from the library. If they phone you, tell them "in writing only" and hang up the phone.

 

I don't imagine for a second that they'd go near court. You've done enough and been through so much recently that a judge would probably kick this straight out if it headed towards a court.

 

I know it's easy for us to say but please don't let this stress you out or upset you... It's a non priority debt and you've been trying your hardest to deal with it.

 

If you need any further advise or support, we are happy to help.

 

 

*as for that insensitive garbage earlier on in the thread.

Instead of picking somebody's post to shreds, I suggest you ignore future threads that you're unable to understand rather than attempting to play the spag police. A few questions asking op to clarify the situation would have been more helpful. :/

 

Regards

 

BM

It never rains but it pours...

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thank you for your reply just got another e mail from mr lender they will roll over sent them one back again saying no i feel i want to go court or the newspapers also mr lender as got that many address as anyone one here dealt with this pdl as there are plenty of complaints about them on line thanks

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Ok guys, I absolutely agree with the lack of tact used by gladstone. However, I am going to remove all non relevant posts.

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I thought Payday Express ringing my place of work a few times 2 weeks after the debt being cleared was a disgrace but this is dreadful, seriously I am apologetic for the position you have been put in. I hope it all worked out in your favor?

 

I'm in the proceeds of writing a formal letter to Payday Express to complain now and threatening contacting the OFT, irrespective of whether they actually stop the calls or not I'm still going to report them though.

 

Sorry for anyone else who has been caught up in the terrible service these companies provide and good luck.

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hi still having trouble with payday express. spoke to some guy called nick who said they do not give rebates for paying your loan off early and they have put my account on hold till 21 of dec and wold not contact me till then well yesterday got a tex saying i had defaulted on a payment and asking would i like a rollover give up now who runs this bloody shower oh also sent a e mail saying balance outstanding 60 pound i know i should have not rang them but feel like i am banging my head on a brick wall .i have been reasonble . i know its a company that does not give a **** about their customers well they are now dealing with someone who as lost everthing they loved . they love ripping people off lets see how far they are willing to go soorry if that sounds morbid but thats how i feel .by the way mr lender accepted payment plan

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