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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.   
    • 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).
    • 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?  
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Advice on setting up repayment plan wih Mini Credit


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Hello everyone, I am new to CAG, have read lots of the existing postings and have found them very useful so have decided to take the plunge!

 

I like a lot of people have fallen into the vicious circle of pay day loans, after months of juggling them i now have 7 PDL's, been taking out more to pay each other off and now have a total debt of circa 4K.

 

In January I took the decision not to continue the juggling and don't want to get further into debt so stopped paying, cancelled my Debit card, and contacted the lenders directly to request that I set up a repayment plan directly with them (I did look at Debt management companies but decided against using them as there fees are too high and involving them will delay the repayment process and cost more!)

 

Anyway the majority of my lenders have been cooperative and have agreed to my pro-rata repayment plans and I habe set up Standing orders to start paying at the end of February, when I next get paid.

 

However Minicredit have been the most difficukt to deal with, I have been e-mailing them to request setting up a repayment plan and at first they told me that they dont do them etc.

 

But I have percevered by contacting them via their web site as the request and they have come back to me with the following response, which I am looking for feedback and advice on, please:

 

"In order to discuss a long term payment arrangement via our debt recovery partners please follow the hardship procedure.

Microcredit Ltd has activated a Hardship application on minicredit online account. Please log in to Your account follow the instructions and send the application back to us."

 

"In order to apply for Hardship status of your account, please follow the instructions below:

 

1) Please fill in your current income details.

 

2) Please fill in your current expenditure details.

 

3) Please fill in your creditor details

 

4) Please review the details.

 

5) Click Print the form

 

6) Sign, date and fax the form to 020 7138 2919

 

7) Our team will need to assess the proposal. You will be contacted by our Hardship team member within 5 working days to come to a mutually agreeable solution.

 

"To discuss Your monthly payments and the repayment plan balance please contact us on 08718903015 from 8AM to 8PM Monday to Friday, 9AM to 8PM on Saturday and 9AM to 5PM on Sunday. We may require documentary evidence of your financial difficulties.

 

Please bear in mind that the status of the account will not be changed until an assessment has been made by our Hardship team. All the charges will be added until full repayment has been received or until the Hardship team member has contacted You and set up an agreement.

Microcredit Ltd is not able to stop the automated debit attempts so if You have the possibility then cancel the card that is registered in the system.

 

Microcredit Ltd is able to provide our Hardship customers three possibilities.

 

The first option is a settlement. The settlement means that when You contact our Customer support we are able to reduce the current outstanding balance and waive some of the failed debit attempt fees. The settlement must be paid over the phone during the phone-call with a debit card.

 

The second option we are able to provide You is a settlement plan. We provide all our clients 120 days from the due date to make payments of any amount towards their outstanding balance. You would need to make at least one payment a month towards the balance. Before the 120th comes days You would need to make a full and final settlement offer. Microcredit Ltd will then overlook all the payments we have received and they will be taken into consideration while calculating the settlement. The reasonable settlement amount must cover the daily interest for every day our funds have been used, the loan principal and the two penalties for breaking the Loan agreement. The interest is 1% of the Loan principal per day. We are able to decrease some of the failed debit attempt fees.

 

Microcredit does not provide You the dates nor the amounts when You need to make the payments. The partial payments possibility is available 24/7 on mini credit online account under 'Repayment' section. The most important part is that at least once a month a payment of any amount must be made. The loan should be cleared latest by the 120th overdue day.

 

The settlement can be discussed at any point when You have a larger amount available to offer as a full and final settlement.

 

The third option is a payment plan. The payment plan means that we will add the default date interest to the loan principal, the two penalties for breaking the Loan agreement (£80.00) and the decreased debit attempt fees and forward the account to our debt recovery partner from the beginning of the next month. The default is marked on the credit reference but You will be able to make the payments on a monthly basis to clear the balance."

 

All advice from CAG member gratefully received!

 

Regards

 

Zohan1967

Edited by Zohan1967
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Won't happen! I've been trying for a month to do this and they keep adding charges. This morning I have sent an email entitled formal complaint to see if that happens and told them I am reporting their charges and refusal to accept standing order to the oFT, as well as theirs threatening debt collector letter. Letsnsee if that helps.

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I too have been trying to set up a payment plan with tgese and so far no luck. An £80 loan is now at over £800!!!! They keep slapping charge after charge on for their non existent doorstep collectors. Waiting for dca to drop a letter and shall try again with them. I wont pay more than original loan, 1 month interest and 1 default fee. Wish u luck

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I too have been trying to set up a payment plan with tgese and so far no luck. An £80 loan is now at over £800!!!! They keep slapping charge after charge on for their non existent doorstep collectors. Waiting for dca to drop a letter and shall try again with them. I wont pay more than original loan, 1 month interest and 1 default fee. Wish u luck

 

How long since you defaulted / how long have you been trying?

I too plan only to pay original balance, 1 month interest and default fee, also have you / anyone received the same correspondence as me??

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Thanks for the advice on what I should / should not disclose, I also have a I/E to complete for Uncle Buck and they have requested copies of my Bank statements and Pay-slips, but I have no intention of providing either of these. I think I read on another CAG posting that they come under the Data Protection Act?

Cheers

Zohan1967

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Nope. They have absolutely zero need to see a statement or payslip.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks to everyone who has taken the time to respond to me some good advice and comforting to know that I am not alone!

Would be interested to know if anyone has had a successful outcome with Minicredit and other PD lenders?

 

Zohan1967

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What other lenders do u have? Ive had a few pdl in the past lol

 

I've set up standing orders to repay by monthly instalments with:

Txtloan, 24-7 moneybox, CFO, YES, THL, without any problems just e-mailed them told them my circumstances and made pro-raga offers based on. 9 monthly payments that I can afford. Just need to do the same with Uncle Buck and Minicredit now !

 

Zohan1967

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Ive had no experience with uncle buck. I had one with txtloan, must admit they were helpful enough. I have currently got peachy, cash genie, pde and mini credit. Minicredit just give me a headache trying to come to an arrangement, waiting for it to go to dca now.

 

I have also found txtloan to be helpful so far as well, even CFO have been cooperative which was a surprise because I have read a lot o bad stuff about them also!

Just out of interest how long did you go without paying Minicredit before they started threatening doorstep collections etc?

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Email them once or twice a week. Make sure you get read reciepts and you cc it to a secure address so you can prove that it was sent. It is NOT your problem to chase them up. If they wont reply, it is THEIR problem and will look very bad on them if they decide to take it further.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I can only tell you what happened to me with mini credit. They are a nightmare to deal with but I got there in the end.

They sent continual texts etc with failed debit card fees, defaults etc and a £150 loan ended up at £1204

 

I offered them loan + 1 months interest =£202.50 but they wouldn't accept.

Eventually after 9 months it was passed onto Mackenzie Hall for collection, not sold to them and I stuck to the same line, loan + 1 mths int and they (after several e-mails) accepted that in full and final settlement.

 

They know those debit card fees and default charges wouldn't stand up in court and so try to intimidate.

 

If I was you I'd stick to your guns and you'll get there, it's just hard work.

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Received my 1st threatening text from Minicredit today:

 

We would like to remind you that your MiniCredit overdue loan balance is £852.00.

 

If we are unable to recover full amount within next 10 days we'll send Your account to THE DOORSTEP COLLECTOR and You will incur extra costs.

 

We may also start legal action against You. We also report the status of Your outstanding account to Credit reference agencies. All this process affects your credit score adversely and ability to receive credit in the future.

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How will you incur extra costs from a doorstep collector? I never understood that one.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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