Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3865 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello.I hope I may get some words of wisdom here!

I am not working and my wife has been on long term sick for three years on around half pay. My mortgage lender got a possession order just over two years ago but have only now enforced it and we are to be evicted on 13/12/12. Our payments have been somewhat erratic (the money goes into my wife's account and she is supposed to pay bills but she has severe depression and doesn't keep up to things). Our arrears are £15000, the house is worth about £180000 with £152000 owing. I spoke to the CAB advisor on Friday and she said about the N244 form but before doing that, speak to the lender which I intend to do on Monday. My monthly payment (interest only) is £330. Do you think offering to pay this + say £170 towards the arrears is a reasonable offer? (I can only do this because my son has offered to pay it). If they don't accept that do you think a judge would think it reasonable? I think the only way forward is to sell up.Would it be reasonable to ask the judge for a few months "selling time". My other fear is that as my wife is still employed by a bank she could well lose her job,and income, because of this. Any input greatly appreciated. It's been good just to share my troubles!

Link to post
Share on other sites

Whether your offer is reasonable or not depends on how many years and months (exactly) you have left on the term of the mortgage. This will determine if your 15k of arrears will be paid back in time...in other words, to repay 15k at £170 a month would take just over 88 months (over 7 years). Do you have over seven years left on the mortgage? If yes, then a judge will consider that to be reasonable - particularly given your circumstances. You should explain all the circumstances surrounding why you have got into arrears and why you can now manage to make payments and keep to them. You should provide medical proof of your wife's illness and how it affects her, plus provide evidence that you will now take over control of the payments. You should also, if at all possible, have proof of the offer from your son - it would be best if he could attend the court with you. The court cannot compel your son to make payments, but judges can be persuaded by an adult child attending court and informing the court directly that he/she will help parents make the payments. Does your son live in the house?

 

The biggest difficulty is that if your mortgage payment is £330 a month, the 15k represents missed payments of around four years - you will need to explain why now is different from the time that you haven't made payments, particularly if your circumstances haven't actually changed or improved in the past four years.

 

A judge will only consider giving you time to sell if a) the property is already on the market, b) there is an offer on the table with concrete proof of exchange of contract dates and c) if you can make payment in the interim. Some judges will provide some flexibility on this, so long as the arrears are not increasing during the time to sell.

Link to post
Share on other sites

Thanks for the input. Yes, there are more than 7 years to run on the mortgage but really all I want is a few months to sell, during which time I would pay as above so the debt will be going down. I have had the house valued, as it happens the day the lender got their solicitors to get the eviction started. As we only had three weeks or so I didn't get it on the market. I thought by the time they'd measured up and taken photos etc. there wouldn't be time to sell and I would be landed with costs for what they had already done. My wife had her ESA stopped in July of last year. We have appealed and recently got it back but we've now had to apply for income based as she has had 365 days of contribution based. They stopped her DLA in March this year and we have an appeal on 2nd.January. Hopefully this will be reinstated as although they have different descriptors they base their decisions on the same Atos medical. My son has his own flat but he is a doctor so can afford to help us out. He only qualified last year so hadn't been in a position to help up to now. Do you think the threat to my wife's job is a helpful factor?

Link to post
Share on other sites

I would expect a judge to consider your offer seriously - particularly as you state you wish to sell.

 

No, the threat to your wife's job is not a helpful factor. The expectation would be that she would not allow herself into such a situation knowing it would affect her employability. It is, as far as the judge is concerned, irrelevant to whether or not you can afford the offer you are currently making. The judge will be more concerned about whether or not you can afford the offer you are making and whether or not a sale is likely in the current market. In addition the judge will look at the payment history over the past 2 years since the SPO was granted.

Link to post
Share on other sites

Wait until you get the eviction notice to put in your N244 application - this is because if you put the application in before you get the NoE, it will cost 80 pounds (after 40).

 

It is likely your mortgagee has refused to negotiate because they feel they've heard it all before, so ensure your application to the judge is persuasive, but sticks solely to the facts, highlighting the illness appropriate (with medical proof) and showing how you can now afford things going forward (again with relevant proof).

Link to post
Share on other sites

I will get the N244 sorted asap.I intend to ask for remission of fees due to low income. I take the point about hearing it all before but the difference now is that it is my son who will pay the monthly amount and I will pay towards the arrears. I offered them £349 plus £150 towards arrears, or £500 in round figures and asked whether they would hold fire for 3 or 4 months but to no avail. I thought that for such a short time, with the payments +extra being offered it was a reasonable request. It's not like I was asking for that to go forward indefinitely and even then, the arrears would be gone in 8 years.

Link to post
Share on other sites

I will get the N244 sorted asap.I intend to ask for remission of fees due to low income. I take the point about hearing it all before but the difference now is that it is my son who will pay the monthly amount and I will pay towards the arrears. I offered them £349 plus £150 towards arrears, or £500 in round figures and asked whether they would hold fire for 3 or 4 months but to no avail. I thought that for such a short time, with the payments +extra being offered it was a reasonable request. It's not like I was asking for that to go forward indefinitely and even then, the arrears would be gone in 8 years.

 

The legal element of what is 'reasonable', will depend on what has happened in the past and how many times it has happened, and whether there is a reasonable prospect of it happening again - balanced with whether it is reasonable to give you another chance.

 

I have written the things I have in all posts for one reason; to ensure you are prepared for what the judge may throw at you in the way of questions. I have seen cases crumble before my eyes because a client has revealed something they neglected to tell me in advance - and which they felt compelled to open their mouths and inform the judge of at a crucial point in the proceedings. Don't do that. If you have it all written down and prepared ahead of time, you can present it to the judge, he can read it and then ask supplementary questions of you if he needs to.

 

Don't try to hide anything, be as honest as possible, and provide as much detail, information and evidence as you can muster without providing extraneous information that will be detrimental to you - e.g. don't focus of the amount of the arrears, focus on the fact you will clear it within eight years. Proving you can now afford the mortgage and something towards the arrears will mean you stand a very good chance of keeping your home at this stage, but obviously the SPO would continue and a missed payment will bring you right back to this stage again.

Link to post
Share on other sites

  • 2 weeks later...

Hello. I posted in the repossessions section "under threat of repossession". I have been to court this morning and the very nice judge looked at my offer and suspended the eviction order so long as we keep to the agreement. The solicitor from G.E.Money was quite pleasant and I think he thought my offer was ok but as he said, he was following instructions. I had help from Christian Debt Line who are very good and helped with the N244 form. I am looking forward to Christmas now!

Link to post
Share on other sites

  • 5 weeks later...
  • 1 month later...

Hello. I didn't know whether to post here or in the "Mortgage Companies" section. Anyway, We've been in arrears with G.E.Money for about three years. They wanted to evict us in December but I got that stopped in court by making a Norgan compliant offer. At the moment we are paying £349 CMI + £150 towards arrears. They called today offering to capitalise the mortgage which would mean a new CMI of £372. Obviously this is a good amount to save every month but are there any hidden drawbacks to this? Thanks.

Link to post
Share on other sites

If you think you might struggle to pay the CMI + £150 for any length of time, then capitalisation would probably be a good idea.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

You will pay more as the outstanding balance increases therefore the interest on that balance increases, but if it saves you money each month and you don't have any arrears then it would make sense to accept their offer.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • 8 months later...

I was looking at my GE arrears statement and there are three interest charges, one is for the loan amount, but the others are "Interest bearing charges incurred" and also "Additional interest incurred". These are not mentioned on the guide to their fees so I rang to ask. Unfortunately I am none the wiser. The person I spoke to had a strong accent and all I could get was they are charges on fees like the £40 a month arrears fees. He just said that the different items had to be shown as separate interest types. I said I thought it unfair that they charged interest on fees and he agreed with me! Anyway, does anyone know what the two separate interest amount cover?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...