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    • 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?  
    • 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) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 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 contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No 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 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 this document.  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.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. 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)  
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      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.
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Me and Northern Rock [many merged threads]


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That would be great Ell-enn, I need to file it next week so that I can get into the judge before the eviction date (8th November 2012). My heartfelt thanks for your help at such a distressing time xx

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Do you still have the one we did last time ? I think also you should write to Northern Rock telling them that once again you will be defending the eviction in court and remind them what the judge said next time. Also tell them that you will request the judge awards the cost of the application to you as it unnecessary.

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I had a business LTD company but it has now ceased trading, I have an outstanding balance of £4800 on my business overdraft I am paying them £50 per month at the moment, but they have refused to freeze interest and still charging £1-04 per day

 

Any advice please.

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Hi Ell-enn thanks for your message. No, I changed my laptop and have no old correspondence. As soon as we make the payment next week my partner is going to call Wallers (their solicitors) and ask them to check their previous records as to what happened last time. I really thought that this wouldn't happen again. I think they are angling for more money but surely that is going against the judge. He did say he didn't want to see this happen again and was very scathing towards them. Thanks again

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I don't think I did one for you - your last thread ends before anything like that was done??? http://www.consumeractiongroup.co.uk/forum/showthread.php?310531-NRAM-Repossession-Deja-Vu-Please-help-us!!&highlight= did you not keep a paper copy of what you handed into the court?

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No foolishly I didn't after the Judge gave them such a dressing down I really thought (fool I know) that they would never do this again. My partner will ring their solicitors on Tuesday and ask them to look at their clients files and see if they will change their minds after reading his comments. I really hope the do I have started a new job and cannot afford the time off and neither can my partner. Thanks ell-enn. x

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Hi All - a brief update I received another letter from Northern Rock yesterday (dated the 21st SEPTEMBER) stating that on that date they had in fact enforced the order for possession. This was in fact BEFORE the account was even due. I again yesterday spoke to them faxed wage slips and bank statements and a covering letter respectfully requesting that they speak to their agents Wallers for the judges comments from the last time they did this to us. I am now awaiting a decision from their mandate department ....................I know this is typical delaying tactics they do this to us each time so I don't expect them to put the possession process on hold although I guess its worth a try!! Forever the optimist me!!!:lol:

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As I thought it is a no go. They say they have not received the wage slips, need my partners (he is self employed) and will not accept scanned emails as their email system is not secure. A financial institution with non secure email. The mind boggles!! My partner will call Wallers on Tuesday and if still a no go then off to court we shall go armed with all our proof. They have no soul these people let alone hearts!!!

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Terrible behaviour! It makes it even worse when you think that when they were experiencing financial problems...we bailed them out! Just goes to show a leopard never changes its spots....even when it is owned by the Government.....shocking! I wish you the best of luck. You won't need it because they are clearly in the wrong.

 

gemspan

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Terrible behaviour! It makes it even worse when you think that when they were experiencing financial problems...we bailed them out! Just goes to show a leopard never changes its spots....even when it is owned by the Government.....shocking! I wish you the best of luck. You won't need it because they are clearly in the wrong.

 

gemspan

 

The facts are they are working for UKAR, Trying to resolve the uk's deficit. The agents you speak to from NR/NRAM are paid a miniumum wage and are target based. Its basicly a big funnel with the most vunerable parts of the uk, being pushed out the bottom by losing thier homes. These repossessions are being hidden in facts in figures of the uk's reduced debt.

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Another worthy note..... If you are in negative equity, they will offer you the 'purchase assist scheme' - but only if you have negative equity! so they get thier money back, and they will still chase you. If you have equity, they are not interested.

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Hi Tuttle thanks for the insight. If I were to move out and them claim the house back they would not see a penny anyway. The house isn't in negative equity as such but by the time they take disbursements out there would be around £50 left. I luckily didn't fall for their tactics this time I do however have the copy of the letter saying they are going for repossession dated a week before payment was even due. The judge will love it I am sure. I have already warned them that I will not be paying the court costs this time. Its a joke!!!! So pleased I pay nearly £1,000 a month in tax to keep the banks in business!!

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The letters they send out are just a negotiation tactic. Its the same as solictors use to push people into a corner. I have complained to trading standards, the fsa, the fos, themselves (internal and not upheld). The only thing that stands up is a court date, so you need the full court papers, it takes 60days to apply, then a date, so its 3>4months before they even get the thing they are after. fill the forms and present your case, that will give you another 6months, if you go again, do the same, so thats another 6months. never ever lets baliffs in!!!!, if they knock on you door, lock it up, and go out to the pavement to hear what they got to say.

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I am sure if you were aware but they have a suspended warrant for possession. The try this tactic on us nearly every year, the last time the Judge told them not to come back with the same grounds but it looks like they have totally ignored his comments.

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Hi I know they claim we have broken the arrangement but once payment is made tomorrow for the normal months payment and the £300 shortfall we will be back in line. They seem think they have to make the new arrangement every 3 months although the Judge did explain this is not the case. I really cannot afford time off work to go to court and wish they could just resolve this and withdraw the application once they have payment. I know they will ask for more paperwork and at the 11th hour say no we want the full arrears, well this will not wash this time. Thanks for yor help Tuttle

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Well, I have just made this months payment and the £300 shortfall so am up to date. Off to the court in a bit to file my application for a hearing to try to get this whole sorry mess put on hold. The stress is making me quite ill. :x

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What are you writing in Q.10 of the N244 ? do you need help with the wording?

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The company needs to be told by the judge not to use the courts as a meas of collecting its debt, that is what they are doing, trying to secure their 'interest' rather than help you.

 

I think the whole scenario over repossession should be re-written in the wake of the credit crunch and the mis-selling of heavily securitised mortgages.

 

Hopefully you can get the judge to say that the company cannot take you to court again unless no payment AT ALL has been made for 3 consecutive months.

 

Keep us posted.

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Good morning Ladies

 

I thought it was worth one last try now that payment has been made to try to avoid going to court, but NRAM still request I send bank statements and wage slips (again) which I know will result in the same negative answer. I agree with you sillygirl this whole process is wrong and the thought of going to court again makes me feel quite sick.

 

Ell-enn my comments in Number 10 are as follows:- 'payments have been made for over 24 months on time. One part payment was made of £1000 due to change of job. This was explained to NRAM and they agreed to accept £1600 in October. This payment has been made as promised. We have the means to continue to make payments each and every month. (please see copy of attached fax). Please also see letter from DWP regarding my disabled son'. Is this OK?

 

Many thanks for your help and support

 

Deb

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What's in the attached fax? is it a budget sheet? You also ought to put in the statement that the judge advised NRAM last time they issued a warrant that he was not pleased with their behaviour.

 

How have you set out the statement to go with the N244? have you looked at the guide here http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=31139&d=1320163405 there are examples of how to set out the statement. If you need help structuring it please let me know - you really need to get your points across to the judge this time and get NRAM stopped from doing this.

 

Wednesday, November 28

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Hi just got back from the court. The fax was one to NRAM stating what the judge said last time and that I would respectfully request them to check his comments at the hearing. I enclosed proof of my son's DLA, I also mentioned that I was faxing bank statements/wage slips as requested. I also mentioned that the letter was dated the 21st September before a payment was even due let alone late. I hope this does the trick. Does the judge actually read all this paperwork before we go in? Oh and I also enclosed an up to date statement from NRAM with the last 7 months payments. I will also print the page from my bank showing the payment leaving my account today as promised. My thanks for your support. Deb x

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