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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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Repossession_ Southern Pacific and GE Money


Benjohnn
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Hi Everyone,

 

We are fighting Southern Pacific Mortgage and GE Money for possession of my Mother's Property. I have been told all the unfair charges added to both accounts can be reclaimed back? These charges have accumulated now out of control.

 

Please can we have help to do this - templates a stepped process.

 

Thank you so much

 

Benjohnn

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Whilst the underlying issue is possession, Ben is actually looking for assistance with reclaiming the unfair charges levied on the accounts. Can someone point him in the direction of the relevant spreadsheet and any template letters that will assist him with starting the process?

 

Reclaiming charges isn't my area and I know there are people with more knowledge on that area than me.

 

Cheers.

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No probs Lea

 

Hi Ben

 

I've attached a spreadsheet you can use for this purpose.

 

Just follow the instructions in the notes tab and make a list of each charge giving the date, the description and the amount. Change the interest rate to the rate being charged on the account.

 

The "claim to" date will be either today (if the account is still live) or the date that the account was closed.

 

Let's see what the figures come out to.

 

CISheet v101.xls

 

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  • 5 weeks later...

[ATTACH=CONFIG]40626[/ATTACH][ATTACH=CONFIG]40627[/ATTACH][ATTACH=CONFIG]40628[/ATTACH]

 

Thank you again for the spread sheet sent.

 

I have attached statements form both GE Money and Southern Pacific Mortgage,can you please help me kick start the spreadsheet, not sure on what to include?

 

Ben

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I wonder if someone can help Ben with his documents? This case is going back to court in the next week or so and an attempt is going to be made to use the charges to reduce the outstanding amount of the loan, however, Ben needs help with working out what he can include and how to fill in the spreadsheet.

 

Some assistance from an expert on charges would be greatly appreciated. As some of you know, unfair charges are not my area so I am unable to assist.

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had to unapprove the atts

 

info showing

 

please follow these instructions:

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

DO IT IN PAINT.EXE or any photo editing program

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You need to go through the statements of the account and look for any late payment charges, monthly admin fees (GE are good at slapping £40 each month) and any recalled direct debit charges.

 

These should be listed in the spreadsheet giving the date, the description and the amount.

 

The rate of interest you should use on the spreadsheet is the rate being charged on your account.

 

The "claim to" date should be set as today.

 

Read the instructions tab in the spreadsheet.....that will help you.

 

When you have done that let us know what the value of the claim is.

 

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Hi,

 

Should I also include interest charges, arrears management fees, litigation management fees on the spreadsheet? We have this case listed in Court on the 5th Feburary 13.

 

Thank you

Ben

 

 

You need to go through the statements of the account and look for any late payment charges, monthly admin fees (GE are good at slapping £40 each month) and any recalled direct debit charges.

 

These should be listed in the spreadsheet giving the date, the description and the amount.

 

The rate of interest you should use on the spreadsheet is the rate being charged on your account.

 

The "claim to" date should be set as today.

 

Read the instructions tab in the spreadsheet.....that will help you.

 

When you have done that let us know what the value of the claim is.

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Hi,

 

Should I also include interest charges, arrears management fees, litigation management fees on the spreadsheet? We have this case listed in Court on the 5th Feburary 13.

 

Thank you

Ben

 

Don't include interest charges.

 

If the Arrears Management Fees and Litigation Management Fees are a fixed amount each month then yes. I would guess that they may be a straight £40 charge or thereabouts (maybe £25).

 

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  • 4 weeks later...

Hi

 

I am receiving pestering phone calls from GE Money, they are calling at all times day and night the last one was days ago at 9.30pm. My Mother is currently battling with Cancer and i would really appreciate if somebody can send me through a template letter to send to them to stop harressing her.

 

Thank you so much

Ben

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green library tab up top left

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dear Sirs

 

Account No/Reference No: XXXXXXXX

 

I am writing in relation to the quantity and frequency of telephone callslink3.gif that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls and I now require all further communication from your company to be made in writing only. It is my legal right to communicate in writing under Article 8 of the European Convention on Human Rights and prevents any misunderstanding.

 

I am also of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you may be liable to a substantial fine and/or other sanctions as they see fit. Be advised that any further telephone callslink3.gif from your company may be recorded and used in evidence and I expect this harassment to cease immediately.

 

Yours faithfully,

PRINT OR SIGN YOUR NAME DIGITALLY

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Hi Can somebody please help on this matter,

 

I have found Letter J from the library on the Forum, which does cover full and final settlement for debt. I know there are various misselling issues and the possibility of media exposure that may be good to mentioned. Previously through the forum I have also received an excel spreadsheet to add up all the accumulative charges put on by GE Money.

 

What is the best way to include the charges within the letter and is there anything else that should be mentioned that has not been. Can somebody please review the letter any changes would greatly be appreciated.

 

Can you please review the letter below with minor edits and change as you see best, thank you.

 

Thank you

Ben

 

Dear Sir or Madam

 

Re: Account no: XXXXXXXXX

 

I write with reference to the money which you are claiming on the above account.

 

I can confirm that I am unable to offer to repay the money which is owed in full. However, I can raise £xxxx and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that I will be released from any further liability. Additional to this it is clear that the loan was missold and given on the basis of running a cleaning company, the production of a driving licence and a gas bill - no request was made for accounts of this alleged business, nor proof of income. Although the fore mentioned income statement was not true at the time of taking out this loan, I was also retired. I would also carefully consider the Court possibly wanting full disclosure of information pertaining to these issues and the consequences of media exposure.

 

It is also requested that, if accepted, you will make an entry on all credit reference agency files relating to the above account as "satisfied" in full. Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.

 

I look forward to receiving your early response

Yours faithfully

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attach your spready please

 

and how much do you owe?

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi BenJ,

 

You could bring the issue of penalty charges into your letter saying something like:-

 

I write with reference to the money which you are claiming on the above account.

 

There are default charges included in the total you are claiming. Such default charges are penalties and, as such, they are unenforceable at law. I enclose a spreadsheet showing the penalties and associated interest.

 

Penalty charges amount to £xxx and the related compound contractual interest that I am entitled to reclaim in addition amounts to £xxx. This makes a total of £xxxx which should be deducted from the amount you are claiming from me leaving a net balance owed to you of £xxxx.

 

I am unable to pay you the full amount owing after penalty charges and interest are deducted. However, I can raise .....................

 

:wink:

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Hi

 

I've attached spreadsheets. I've seperated the charges, legal costs, money paid on the account and interest £ on 4 different spreadsheets.

 

The loan amount was £47,350.00 over 120 months, which started in march 2008. On the paper work it states current monthly installment: £512.73 and current monthly rate: 0.558%

 

Hope this is all ok, thank you

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Hi BenJ,

 

Using an Interest Rate Converter, I calculate that the monthly rate of 0.558% equates to an APR of 6.91%. Does that sound right according to the loan documents. The actual loan agreement should show the APR applicable to the loan.

 

Some of your spreadsheet data may not be directly relevant although it may be useful in showing how the debt was being repaid and the charges you incurred.

 

Re your spreadsheets, the first about int't charged and the fourth about amounts paid on the a/c are not really relevant.

 

Spready 3 shows admin and default fees applied through the loan. I suggest theses are clearly penalties and reclaimable in full.

 

If the interest rate I mentioned above is right, redo this schedule. It should show total of chgs and compound int't of £968.31.

 

Amend Spready 3 to use the right APR and print this off, to accompany the amended letter I suggest in post #25 below.

 

:-)

Edited by slick132
see post #25 below

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi BenJ,

 

I initially made the following remarks in my post above, but moved them here as I wanted a second opinion, and now have it.

 

Spready 2 showing sol'rs fees may be relevant if any of the fees were levied automatically without reference to the work required because of your failure to pay what was due. However, if sol'rs did review your case on each occasion and considered options or actions required, resulting in costs, then the fees may be justifiable. I also think it may be too late in the day to argue on this point, particularly considering the manner in which the loan was, or was not, being repaid.

 

The sol'rs fees increased very rapidly and between Feb 2011 to Nov'r 2012, fees of approx £11,888 were applied. I would personally ask if the level of such fees can be justified. Whether this gets you anywhere is another matter entirely.

 

You could mention that you require confirmation that the sol'rs fees charged between Feb 2011 and Nov'r 2012 of over £11,880 where properly accounted for and recorded.

 

My thanks to Site Team Andyorch who has suggested you seek a detailed breakdown of the sol'rs fees.

 

So, I suggest you add to the letter I suggested above as follows:-

 

I write with reference to the money which you are claiming on the above account.

 

There are default charges included in the total you are claiming. Such default charges are penalties and, as such, they are unenforceable at law. I enclose a spreadsheet showing the penalties and associated contractual interest.

 

Penalty charges amount to £xxx and the related compound contractual interest that I am entitled to reclaim in addition amounts to £xxx. This makes a total of £xxxx which should be deducted from the amount you are claiming from me leaving a net balance owed to you of £xxxx.

 

Furthermore, I note the significant and increasing amounts of "solicitors interim legal fees" added to the account. They total over £13,000 and I require a detailed breakdown of these fees.

 

When I have your considered response to these points, I shall write further.

 

:-)

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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