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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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Me and Northern Rock [many merged threads]


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Well done, great news:)

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Good morning

 

After my success in Court on Wednesday I get in from work yesterday to a letter from NR confirming the arrangement.

 

However, they are demanding another £133.30 in addition to the agreement.

 

What can I do? The judge has already said that if payments are not paid on the 1st of every month then NR can seek possession without going back to court.

 

Your advice please?

 

Thanks

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  • 9 months later...

Hi All,

 

Well, I didn't think I would be back here again so soon!!

 

I went to court last year (August) regarding a enforced repossession order and it was suspended and a payment plan agreed by the District Judge.

 

Payments have been paid every month and we are currently waiting for Northern Rock to review compounding the arrears (taken three months). We made a late payment in April as my other half's work colleague died (he did the payroll, and wages were week late) but made two payments in May to bring us up to date. We have also paid amounts over the arrangement to help bring the arrears down.

 

On Tuesday we received a letter informing us that NRAM are enforcing the repossession. When I called them I was told that as there was no formal arrangement in place they were going for repossession. I asked if there was anything we could do and were told to supply wage slips bank statements etc., They did this to us last time and gave us the false hope that they would cancel it but at last minute said only payment of full arrears amount would stop it. I have spoken to them for an hour today and even though the arrears have gone down by £3,000 they say this is not enough and they want the whole amount of £18,000.

 

I am at my wits end with them, how can this be allowed and what do you think a judge will say when he sees all the payments have been made and NRAM are the ones being awkward. They are confident as they will slap the court charges onto our arrears and earn even more money from our misery!!!

 

All advice would be gratefully received.

 

Many thanks

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Unbelievable ! if you have made payments in accordance with the order the judge gave at the hearing, how on earth do NRAM think they are going to get possession ?and what do they mean there is no formal arrangement in place - how much more formal can you get than a judge? they cannot ask you to pay more than the court order

 

- if they do go for possession we will help you defend and look forward to the judge giving them a very hard time! and they won't get to add legal costs to your account as they are bringing the action without cause.

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I'm so glad you agree with me Ell-enn as usual you are a wonderful support!! Thank you.

 

We entered into a new arrangement once the one the judge inforced expired for £200 less than the judges arrangement which NRAM agreed as this would be around the repayment once the arrears were compounded. We were told it would take 7 days to confirm the compounding of the loan but some three months later we have heard nothing!!

 

How can they be allowed to be such bullies? It made myself and my partner so ill last time and they seem hell bent on a rerun!! I have been told the only way to cancel eviction is to pay whole amount. I spent an hour on the phone with them today being kept on hold for most of the call whilst the young lady checked with her manager. They ran through income/expenditure with me, then asked for the wage slips and bank statements, when I asked if this would stop court action was told no!! Why ask then?? They did this last time to try and drag out the process leaving us to see a judge half an hour before the eviction. I will never forgive them for the stress and worry they cause wish I could take legal action against them!!!

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Did you get the new arragement in writing from them and also confirmation regarding capitalising the arrears? what do you mean the judge's arrangement expired?

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Hi yeah we have the arrangement in writing but they say we broke it in April because of the late payment. This was made up early May then another payment for May at the end of the month.

 

The judge made the enforcement for three months and when we questioned this the judge said just keep paying them and they would have no reason to go back to court.

 

I just don't understand this at all!! Apparently someone reviewed it and as there was no formal agreement in place in June they have decided to enforce repossession.

 

Amazingly I got a letter yesterday informing me that they get busy on the last day of the month so to make our payment early to save their poor busy staff!!

 

We have one late payment and that is it which was explained fully at the time.

 

They will not budge on this so unless I can find £18K we are back to court!!:sad:

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I think it would be a good idea to go back to court ! If you have £80 it would be worth applying on an N244 to get before the judge and put your side of the story before NR issue further proceedings. That way you can get a payment arrangement formalised by the court and if you keep to it there is nothing NR can do about it. If you can prove all the payments you have made and show the court their letter regarding the arrangement then you will have the judge on your side.

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Hi

 

I have all the statements here! That will be my next move I don't think my nerves will be able to stand another scenario like last time!

 

Do they not care about what this does to people??

 

Glad us tax payers bailed them out, for us to be treated like this, after all most of the blame for the country's financial situation lies firmly with them!!!

 

And the arrears have gone down in 9 months by £3k I just don't understand why they are doing this!!

 

My thanks to you

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Give me a shout if you need a hand with the wording for the N244

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No problem - I like to give these lenders as much grief as they dish out !

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Hi

 

Well, I have arrived home from work to receive the formal eviction letter with the date 13th July. Nothing from the court yet though.

 

Lets hope the 13th won't be unlucky for me but for Northern Rock!!

 

Lets hope I win the Lottery then I can tell them where to stick it!!

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OK, N244 time ! I have affixed one to this post for you. Let me know if you need help with the statement for Q10.

n244_0400.pdf

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  • 1 year later...

Hello everyone. Well, it looks like I spoke too soon regarding these people. My partner and I have been paying under the arrangement and have not missed one payment in over two years, bringing the arrears down by some 6k. All was going well until I lost my job at the end of August, I called NR to explain the situation and paid £1,000, and agreed to pay £300 on top of the usual payment to clear up the shortfall. I was told to go through an income/expenditure form, (where the call centre operative told me that as I was earning more I needed to pay more) but to make the payment at the end of October and they would then make a new arrangement. Oh if only ..........

 

In the post today I get a letter from Wallers their solicitors saying they are applying to enforce the Order for Possession. You can imagine how I feel when some 20 minutes after the postman the Bailiff then drops in the Eviction Order.

 

I know that it will mean another day in Court but I am not sure that I can do this anymore, the arrears are going down I haven't missed a payment and it seems that all these lenders want to do is see hard working people out of their homes.

 

I cannot go to Court until next week to ask for a hearing can anyone please advise?

 

Many thanks and apologies if I should have added this to my previous threads of over a year ago.

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Hi there, i cany offer any advise, i have also had my eviction date yesterday...but if it helps a little you are not alone, i am beginning to wonder if living in a cardboard box would be less stressfull than all this. Life has its ways of testing us and in this world it seems we are just numbers and thats it.

i have no idea what i need to do and am eagerly waiting for Ellen to pop into this board and offer her wobderfull advice, which i no without doubt she will give you also.

anyway i just wanted to say hello and share this stressfull time.

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Hi Deb - I remember your case - what happened after your last thread ? http://www.consumeractiongroup.co.uk/forum/showthread.php?310531-NRAM-Repossession-Deja-Vu-Please-help-us!! I can't find an update.... did NR cancel the eviction?

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Hi, we went to Court where the judge told Northern Rock(solicitor) in no uncertain terms not to do this again to us. They then bleated on about negative equity etc and the Judge then said well you lent the money you only have yourselves to blame. No payments have been missed since until this recent one. I will be paying the full payment (plus the shortfall) next week. Thank you.

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OK, well obviously you need to point out to the judge this time that despite what he said they have done it again. Do you need help with the N244?

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