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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).
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Cabot chasing halifax loan


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Hi All,

 

New to the forum and first post!

Hope its in the right place :(

 

Basically took a loan out with Halifax for 10K in 2004.

Mis-sold PPI etc and defaulted in 2007 on the loan.

 

Cabit got hold of me in 2009 and said i owed it to them etc and i panicked (because of the ridiculous threats to court etc), arranged a payment plan with them and here we are today.

 

I recently looked into the PPI claim and contacted Halifax but they have no record of me and suggested i stopped paying cabot until they provided evidence that i owed this loan in the first place.

I wrote them a letter asking them to provide documentary evidence for this alledged debt to which i am still waiting for. The phone calls continue every hour practically.

 

Have i done the right thing and is their anything else i can do to contest this debt??

I cant find this on my credit file for the last 6 years either.

 

Brgds Mat

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Correct

Cca therm

 

Sounds qlike you've been. Cash cowed

 

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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Cheers for fast reply Dx,

 

Three Questions;

 

1). Can they enforce further action without providing original signed agreements etc??

 

2). Is their a deadline in which they have to reply to me?

 

3). If they dont reply at all do i simply ignore the letters/calls.

 

Thanks!

Loving the term cash cowed...just googled it.. Feel like a fool!!

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1) No they can't, less for sending you begging letters.

 

2) Yes 12+2 working days (send recorded del)

 

3) Yes you do, whether they respond or not all DCA letters can be ignored, they are utterly powerless!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No wonder they keep asking me if i would like to claim the PPI back on this with them!!!

 

By the way, because i defaulted on this loan does that mean i cannot complete a PPI claim?

I remember distinctly the agent at halifax advising me i could only have the loan if i took the PPI.

So definately mis-sold.

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I too have the experiance of Cabot..

.old cities card that went to opus in 2010 then Cabot a month after.

 

Like you I was panicked into a payment arrangement..

..one that I couldn't afford and subsequently have a huge overdraft because I paid.

 

Jan this year stopped payments and sent them a coca request.

 

Got letter back saying it would take them 40 days etc.

 

After 14 days I sent account in dispute letter and then got a letter back saying all activity had ceased until they get the coca from original lender.

 

Mine was taken out in about 97 so don't think their going to get one.

 

As far as I'm now concerned this one is closed and I'm mad that I've paid them about 4 k plus since 2010 when my problems started.

 

Stop your payments if your making any and cca them. Check out my thread for more detail .

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The general advice here is NOT to engage the DCAs in phone calls, they are well practiced in their technique and unless you have a top class baristers education they will probably get the better of you. They will almost certainly record all the calls and try to trap you into saying something you will later regret.

 

I think you shoule heed the advice of the 'big guns' and send a letter from the CAG Library telling them to cease and desist with the phone calls.

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Yes you have to let them know to correspond in writing only.

..gives you time to check things out before you reply too.

 

Also you will then have a paper trail.

 

Back in 2010 when all my problems started I was constantly harrased by calls and ended up commuting to things I shouldn't of done .

 

..I have got quite a lot of debts though.

 

It really made me I'll and I'll not let that happen again.

..now I look forward to the postman instead and 'think' about my responses

...mostly after checking on here first lol

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No wonder they keep asking me if i would like to claim the PPI back on this with them!!!

 

By the way, because i defaulted on this loan does that mean i cannot complete a PPI claim?

I remember distinctly the agent at halifax advising me i could only have the loan if i took the PPI.

So definately mis-sold.

yes your fine to reclaim your PPI +int. Do you have the original agreement?If so do spreadsheet, fill in fos questionaire and send with covering letter to Halifax

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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yes your fine to reclaim your PPI +int. Do you have the original agreement?If so do spreadsheet, fill in fos questionaire and send with covering letter to Halifax

 

I don't have the paperwork that's the only problem

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SAR request + £10 postal order to Halifax, if loan default was 2007 Halifax should def have the paperwork

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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yes your fine to reclaim your PPI +int. Do you have the original agreement?If so do spreadsheet, fill in fos questionaire and send with covering letter to Halifax

 

You might want to hold on and wait for one of the 'Big Guns' to give you advice before starting your PPI claim.

 

I think there are a few wrinkles you may need help with (way out of my league to assist you).

But better safe than sorry. You could inadvertently open a can of worms.

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yep cca them

 

and get reclaiming

 

get the sar off to haliprats too.

 

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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Wait for their reply to your CCA request (12 + 2 days) failing which they get this http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

Along with this http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Keep a diary of events, record all phone calls with a view of reporting them to the police for the criminal offence of harassment, mark all their missives with the date you received them on.

 

Stay OFF the phone, only deal with this in writing.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

10Apr2013...reply received from Cabot (after i requested the original signed agreement)..

 

Dear Mr,

Your Query.

We have duly noted the information you have given.

 

Due to the age we are unable to obtain a copy of the credit agreement. However, halifax did advise us that this account was opened in your name on 16Mar2004 and did not default until 16Mar2005 with a balance of....

Statements would have been sent to you at your previous address while the account was open.

Halifax have advised there was no dispute raised at this time.

 

You shall note that your have previously made payments to cabot towards the outstanding balance on this account and agreed to plans being set up on the account.

These payments consitiute a clear acknowledgement of your responsibility to repay the debt. is it clear that you acknowledge the responsibility for this account.

 

We hope this clarifies the matter, we request you contact us within 14 days to discuss your repayment options.

Should we fail to hear from you our collections department may contact you.

Yours sincerely....

 

** I told them i only agreed to set up a payment plan for fear of being put into court and protect my credit file.

 

Is this a standard letter to receive?

I am still getting the calls daily.

Any help appreciated.

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dear cabot.

 

I thank you for you letter of dd/mm/yyyy

 

having sought the advise upon my alleged debts from a financial advisor

 

it became apparent that I was paying several debts that were not verified as mine nor actually owed by me.

 

in 2009 I was innocent enough to be spoofed by a telephone call from yourselves

that you were bailiffs and could take my house away if I did not pay you this debt.

 

of recent I have found out this is one such debt.

and that you are not bailiffs and nor have any such related legal powers

 

as you cannot provide me with a copy of my signed agreement

I refuse to continue to allow you to fleece me out of money

regarding a debt I know nothing about.

 

as you have acknowledged there is no such agreement

 

I demand the return of the payments I have made to you since 2009

within 28days or I will instruct my solicitor to progress this further.

 

I think its call fraud?

or is it demanding money with menace.?

or obtaining money under false pretence's?

 

 

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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:lol:

 

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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Ha ha, very much akin to Arkell v Pressdram, just put more eloquently!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Dx,

 

Ive read your reply a few times and im probably being naive but is that an actual template i should use for a letter back to them? The phone calls have stopped, that letter i posted on here was also the last in writing...

 

So, do i send a letter in waking up the dead or hang fire until something received in the post.

I would love to get monies back though i must admit from Cabot if that was a real chance of happening??

 

tfsmat

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templates get responded to with another template

 

you let them fleece you.

 

up to you.

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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