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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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    • 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.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Lowell/BW Statutory Declaration - old JDW Fashion world CAt DEbt - claimed it was served on Me personally - was NOT!!


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I most certainly did. Though I'm a little unsure as to how to spell it and, as I act with a respect for the DPA, i don't want to go throwing his name around, in the company of strangers, Just yet :roll:. I'll save that for when I hand his personal post to a person in the business nextdoor. :-x

 

I've got my SAR Ready to go (Below) I have taken out my name and account details, but left those in of the person who is publically listed anyway.

 

[ TEXT OF LETTER REMOVED ]

 

Signed blah blah blah

 

Calls will be recorded etc...

Edited by ims21
A dangerous letter removed
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That’s all bo******, to be honest. Stick to the standard letters. After all, you are dealing with idiots.

 

Who is the creditor in this case? Have they said? Is it Lowell? The creditor is totally responsible for the actions of their agent (BWL), so a complaint to the OFT and TS about them is also in order.

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I have, in the distant past, had letters from Lowell about this. It's an account that is outstanding from one, rather tough, period of my life, and I do know what it was all about.

However, in the past, I have also put the overall amount in to dispute with Lowell; I just couldn't make the figures add up. I then heard nothing from them until BWL started contacting me.

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Certainly DonkeyB.

 

I had an online account wit JD Williams Trading as 'Fashion world' in 2008. In 2009 the account defaulted after several massive leaps in credit limit.

I applied for the account online and, as I recall, never 'signed' anything, in the traditional sense... But I don't know whether that makes a difference.

In 2011, I started getting letters from Lowell Portfolio, saying that I has an account balance of around £1400.00 give-or-take. I phoned Lowell and explained that I didn't understand how the balance was so high. I believe I asked for a copy of accounts, back then; I recieved nothing apart from the ocassional, standard, demand through the post.

 

Suddenly, I recieve a letter saying that a Statutory demand has been issued, In January 2013, on behalf of a client of BW Legal to the sum of £1400.00. I had no idea what a statutory demand was and, with everything that was going on at the time, I didn't pay too much attention to it.

 

I had hundreds of missed phone calls from 01133570529 and eventually called them in March. The chap I spoke to claimed that I had been 'personally' issued a Statutory demand in February (So not January) and he went on to explain that I was in a process of being made bankrupt. I immediately disputed that I had been in receipt of any such document. The case-worker said he would send me a copy of the process servers' account, and could I fill in an income and expendature form?. On the basis that I believed I would recieve an account of the servicing of the demand, I agreed to complete an I&E form. However, I recieved no such copy fot he account, so didn't complete the I&E form. Last week, I started missing phone calls from them again.

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Well, a CCA request wouldn’t go amiss, although they won’t need to send one with a signature, as there probably isn’t one – just a check box online.

 

With the CCA request, you should also demand a full statement of account to see how they arrived at the balance. There may be excessive charges that take the balance below the bankruptcy threshold.

 

If BWL stated you were in the ‘process of being made bankrupt’, they are lying and deliberately misleading you as to the true legal situation. Bankruptcy cannot happen without you being informed if they know of your whereabouts. More complaints.

 

Proving BWL are big fibbers won’t get rid of the debt though, so bear that in mind.

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Oh lord, please , please do NOT use that letter in post #28.

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Please don't misunderstand me; I accept that I must pay the debt, so I don't expect it to be wiped out. I just don't want these yahoos dealing with it. I don't dispute that I do owe money, but I do dispute how much, and I take exception to the way it is being persued. They obviously abuse processes and misquote legislations, with a view to bullying vulnerable people. I'm shocked at some of the cases that I've read about on here.

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if its a cat debt

 

it will be 90% £12 penalty fees

 

get reclaiming 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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That's fair enough. I honestly thought that was a pretty standard letter. Got it off another site.

 

:lol:

 

Be careful where you look.....there is an awful lot of this type of nonsense out there.

 

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The letter you posted was by the looks of it, related to the Freeman of the land movement, who appear to believe that they can live in the UK without many laws or rules applying to them, when they don't like them.

i.e they claim that when you are named by your parents on a birth certificate ( a requirement in law) that this is a legal fiction, required by the state so they can have rights over you.

If you look on Youtube you will find loads of videos by them and you see what I mean.

Personally I think there is a small grain of truth in what they say, but only a small grain.

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I wonder what that underlined word temples is all about......:???:

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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lmao! I read your reply on my phone. It's taken me ages to work out what you meant! :lol::lol::lol::lol::lol::lol::lol::lol:

OK, I'm really sorry, but I can't find anything remotely template-like on that link. Just a lot of stuff about sending a letter directly from the website?:|

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BW Legal are very sloppy procedurally. By all means complain and kick up a fuss about the bogus service of the SD.

 

But to underpin your counter-attack properly, what debt is this SD about? How old is the alleged debt, what did you receive in response to your CCA s.78 request.

 

Knowing BW, they will merely re-issue the SD at a later date, if they know you have assets such as a house. So don't get too bogged down with the fake SD service, concentrate on defending yourself in case they reissue.

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Hi quails.

I completely agree. I want every ounce of ppwk that they have on this account, and I want to know how ligitimate it is for them to chase at all! however, i also want to cause them a longer-term problem.

Toda i have logged a complaint with the OFT and Trading Standards. I have a recording of my latest phone conversation, where the account-handler told me that they "Use the SD as a warning that they intend to exercise their right to make you bankrupt".

I believe that I have managed, over the past couple of days, to gather enough evidence to prove that they are abusing the system.

The Statutory demand is supposed to be a 'last resort' and put in to action AFTER a court ruling has been made in favour of the creditor, but not obeyed by the debtor.

It is NOT meant to be used as a 'tool' to intimidate the debtor, or enforce payment.

If a creditor, or debt collector, intends to use a SD then they must start proceedings within 21 days of the serving of the SD.

(As I didn't actually call them back until over a month AFTER they claim the SD was issued, and they still hadn't done anything but make further threats, I'd say that they've aided in discrediting themselves)

Given the sheer quantity and vulgar nature of some of the accounts of the use of SD's issued by BW Legal that I have found, since January alone, I have also approached BBC Watchdog.

Although the OFT made it clear that they do not advise individuals, as such, they did recoil when I told them about how the SD had been used; particularly when I told them that the person that was assigned to my account had told me it had been "issued as a warning" and that I had been informed that I am to be "made bankrupt".

Also the fact that I had been told that a solicitor is now presenting the petition, but I was not allowed to know who this solicitor is, seemed to interest them.

Luckily, this phone call was recorded. His tone was moderately aggressive and he was certainly aggravated by my questions.

my intention is to force them to rethink their strategies, in general.

Oh, and I'll be damned if I'm going to let Lowell leave my account with BW Legal...

Just in case anybody else is interested, I have found a nice little piece on another forum. If I might add, I am not suggesting that people go tot his forum for any other reason thn to read the thread.

If you're having a similar issue with BW Legal, this might give you a little hope and some reassurance that you can fight them.

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sadly we cannot allow links to that site or ref 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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