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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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 4) 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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      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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GE Money Loan paid but have outstanding arrears account.


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Can you tell us if the letter re PPI was the result of an enquiry about reclaiming PPI? Has this been taken further?

 

I think they’re wrong in stating that you need to contact the insurer, because either GE or their broker sold it to you.

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Can you tell us if the letter re PPI was the result of an enquiry about reclaiming PPI? Has this been taken further?

 

I think they’re wrong in stating that you need to contact the insurer, because either GE or their broker sold it to you.

 

The letter regarding PPI was actually to try and claim on it as my father was out of work. Surprise surprise it had run out so he couldn't claim. It never went any further.

 

The solicitor costs might have been the beginning of court proceedings but maybe it didn't get that far? He can't remember :-/ sorry.

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the sols fees cannot be charged unless they get a successful judgement.

 

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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Good Morning all,

 

Has anyone had any thoughts about our options when it comes to paying our current arrangement, or more to the point, not paying our current arrangement?

 

I imagine not a lot can happen now until we get the SARs through, and then we can start calculating what we feel we are owed?

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Good Morning all,

 

Has anyone had any thoughts about our options when it comes to paying our current arrangement, or more to the point, not paying our current arrangement?

 

I imagine not a lot can happen now until we get the SARs through, and then we can start calculating what we feel we are owed?

 

Anybody?

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correct

 

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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I think the point i made earlier has been missed here (apart from DB) hence my suggestion to check the Land Registry

 

This is a Mortgage secured.

They dont need a CCJ.

The CO was placed at the time of the application (Standard)

The Sols fees are not reclaimable that is the process of a secured loan.

 

Nothing can be done Sheila until you are furnished with the DSAR.I assume the debt has now been paid and only arrears are outstanding.

Its your choice to stop payment as from now or wait until you can quantify the unfair charges and then make a claim.

 

Regards

 

Andy

We could do with some help from you.

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Yup, totally agree. There’s no legal action in place. You need the details from the SAR now to work out what is going on with this suspicious ‘extra’ account with a balance they reckon you owe.

 

Also worth researching a bit on PPI reclaims in the meantime. As I mentioned earlier, there could be more than £5k up for reclaiming here.

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I think the point i made earlier has been missed here (apart from DB) hence my suggestion to check the Land Registry

 

This is a Mortgage secured.

They dont need a CCJ.

The CO was placed at the time of the application (Standard)

The Sols fees are not reclaimable that is the process of a secured loan. Even though the solicitor fees were in Feb 2005 & May 2005, not when the loan was taken out? (Sorry I don't understand why they are lawful because it's a secured loan).

 

Nothing can be done Sheila until you are furnished with the DSAR.I assume the debt has now been paid and only arrears are outstanding.Yes this is correct

Its your choice to stop payment as from now or wait until you can quantify the unfair charges and then make a claim.Do you think we would be penalised for not paying, or not paying as much (or at least end up in a worse situation? I am going to send a letter today to explain that we are cancelling the direct debit and that we will manage the payments.

 

Regards

 

Andy

 

DonkeyB - yes we will go down the route of both unlawful charges and missold PPI :)

 

Thanks all for your help. I had come to the conclusion that I was going to have to get a loan to pay this balance off for my father, but with a bit of luck it won't come to that :).

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I was going to go down the hardship route and found this template,

I started to modify it but now wonder if it's necessary. Whilst he is in hardship is it worth it now, the interest has built up and up anyway?

 

I was also going to make a point that he was in hardship and that any further payments would be a token payment but suddenly felt I was getting in above my head..

Anyone got any thoughts?

 

Request for Consideration as a Case in Financial Difficulty (Hardship).

 

Dear Sir/Madam

 

I refer to the Lending Code guidelines to which you subscribe, issued in March 2011.

 

Due to being made redundant, I have been experiencing serious Financial Difficulty since 21st January 2013.

 

I request that you stop adding interest and default charges to the above account. The interest and charges serve only to add to the Financial Difficulties I am currently experiencing. In this connection, I draw your attention to paragraphs 224 - 227 in Section 9 of the Lending Code.

 

This letter serves as notice that the current Direct Debit is to be cancelled with immediate effect and continued payment will be without prejudice and by another method.

Please provide me with another payment method, a paying in book would be preferred.

 

Please give this matter your urgent consideration.

 

Yours faithfully,

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" Even though the solicitor fees were in Feb 2005 & May 2005, not when the loan was taken out? (Sorry I don't understand why they are lawful because it's a secured loan)."

 

I wasn't aware that they were later in the process..so yes if there is no reason or incident for their involvement at this date then query the charges.

 

" Do you think we would be penalised for not paying, or not paying as much (or at least end up in a worse situation? I am going to send a letter today to explain that we are cancelling the direct debit and that we will manage the payments."

 

Difficult to advise there is no way I can predict what action they may seek...they all ready have their charge....depends on how and when they can execute.I agree that the DD must be stopped and you control payment manually.

 

Regards

Andy

We could do with some help from you.

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Thanks andy

Difficult to advise there is no way I can predict what action they may seek...they all ready have their charge....depends on how and when they can execute.

 

OK I shall continue to pay the loan at the current arrangement (£200 a month). The current arrangement runs out at the end February, it was set up on the phone and they only agreed for 3 months.

They might start action then? We'll wait and see.

 

When you say execute, does that mean they take him to court to claim repossession their outstanding balance through the sale of the property?

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There is no CCJ connected to the Charging order...the CO acts only as security (the Property) against the loan...perhaps execute was the wrong word..options open could be Bailiff/ Bankruptcy ....forced sale would be the very last resort IMHO.

 

 

Regards

 

Andy

We could do with some help from you.

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Hypothetical scenarios Sheila ...they may not do anything thats why you need to wait for the DSAR and raise a dispute and challenge them.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Ok sorry to be hypothetical - I imagine conjuring up the worst case scenario is why most people just pay up.

 

We will carry on paying at the current rate and wait for the DSAR to come back. Thanks Andy,

S.

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[ATTACH=CONFIG]41388[/ATTACH]

 

 

The DSAR has come back from GE Money. Much sooner than I imagined!

It's like a phonebook but I've had a flick through and mangaged to find a mention of court.

 

I've scanned the letters in and uploaded.

I'm waiting for GE Money to get back with a settlement figure for the outstanding balance. I am likely to go down the route of obtaining a loan to pay the outstanding balance, so at least we can get the deeds back and the charge removed.

Then we will make our claim for PPI and unlawful charges.

 

Thanks,

S.

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Sounds like a good plan Sheila.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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so they went for a suspended pos order and got it at £175 PCM for 15 months

 

still dont explain why he is STILL paying £200PCM to this day!!

 

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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Post unapproved, advice as above.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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