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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.   
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Missing Monthly Data on Credit Report Entry.


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I had the misfortune to get involved with HFC bank nearly 10 years ago,

and following personal and financial problems that led to my defaulting on the loan

I am still unable to resolve the problem and improve my credit rating (currently 447 with Experian).

 

First of all,

HFC quite correctly defaulted me around 2005/6.

I arranged a repayment plan with the CCCS but HFC refused to accept it. I paid anyway.

 

They referred me to their collection agency and issued the default.

 

I agreed a repayment plan with the collection agency but then was informed after a few payments that HFC had 'taken back' the debt.

 

What I did not know was that they had withdrawn the default notice because it had been issued incorrectly.

 

I am now in limbo.

 

HFC have refused my offers of payment (I offered to pay over 48 months) but otherwise do not contact me.

They have had nothing for around 4 years because I cannot agree a payment schedule with them.

 

My problem is that this debt sits on my credit file and will probably stay there forever because they will not default me.

 

It is currently showing 20 months of late payments (number '6' on the monthly report)

but before that (Experian lists up to 72 months) there is only a '?' against each month (the lender has provided no data).

 

Can I challenge the entry as it is obviously incomplete?

If HFC do not provide complete and accurate data do Experian have to remove the entry?

 

For reasons known only to themselves HFC seem content to allow this to sit on my file forever without making any attempt to collect this or agree a repayment plan.

 

It's been nearly 10 years now and I am desperate to get this removed from my credit file.

 

Having the entry removed due to incomplete data would be great if that's possible.

Any other suggestions would be very very welcome.

 

Thanks everyone.

 

Andy

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If HFC are misusing the system to "punish" you for some reason then the Information Commissioner would not take this lightly. The Office of Fair Trading might well act on a complaint if HFC are refusing to accept payments from you - I fail to see why they would do this. The Financial Ombudsman might act because of the way the company is treating you.

 

I will also ask others on the site team if they have any suggestions.

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Thanks for that.

 

I know that by keep contacting them and therefore acknowledging the debt I will not be able to claim 'statute barred' after 6 years,

but I really want to resolve this.

 

Whenever I tried what I consider a 'fair offer' they seem to want me to sell the dog, cat and kids and live on baked beans to make higher payments.

 

I used the CCCS expenditure calculator form to work out what I can afford, but they don't seem interested in that,

which when you consider they have had nothing for 4-5 years seems like madness!

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Also I have proof that I have made payments that occurred during the months marked with an '?' because the CCCS used to send me a report of payments made each month.

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you need as a first port of call to SAR HFC.

 

if hfc are not enforcing the loan

THERE IS A VERY GOOD REASON.

 

prob PPI/insurances

Penalty charges

 

have you got the original agreement.

 

dx

 

crap agreement.

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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Sadly I don't have a copy of the original agreement - lost in one of several house moves over the last decade or so.

 

I'm sure they have taken the PPI off, the CCCS estimated I still owed around £10k when this all originally blew up (original loan amount was £6k plus PPI and extortionate interest making the total amount payable about £12.5k ), the amount shown as owing is just under £5k so something wierd has happened while this has been 'on hold' as it were.

 

There certainly were penalties - I remember them. I hadn't questioned the amount because I figured £5k sounded a heck of lot better than £10k!!

 

Mis-selling is a possibility - there was no way I could have afforded the loan they gave me if I am honest, but I needed the cash and didn't have any other options.

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in branch signing?

 

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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get that SAR off.

 

this could be fun

 

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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bet they'll claim its shredded as over 6yrs

 

we know diff!!

 

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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Place a notice of dispute on all the CRA files that show the entry asap.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks Brig, I read another of your replies on another thread which mentions the ICO Technical Guidance on Defaults. Point 4 on page 3 (version 3 dated 02.08.2007) states that:

 

A record showing a series of payments as six months in arrears when this does not reflect the real payment history should not be used as an equivalent of a default.

This I think describes exactly what HFC have done to me. They are using a late payment marker as a substitute for a default notice (which if it had been applied correctly some 8 years or so ago would have cleared by now). This is not late payment, I have not paid anything for 5 years (although I have tried to agree a payment plan). Is this a basis for a challenge?

 

Appreciate the fantastic work that you guys do btw.

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Sorry, forgot to mention that I sent a recorded delivery letter to Experian yesterday disputing the entry and demanding that they confirmed the validity of the entry with HFC or removed it from my file.

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I certainly seems that is the case, would certainly be worth a complain to the ICO, this type of reporting is outright manipulation of the data, obviously allows them the unfair advantage of post a very late default before disposing of an account to a debt purchaser with a default 'life' of the full 6 years.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Sorry, forgot to mention that I sent a recorded delivery letter to Experian yesterday disputing the entry and demanding that they confirmed the validity of the entry with HFC or removed it from my file.

 

Andy, you will need to check Equifax & CallCredit for the same data which is likely to be displayed there too.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks again, I was going to see how I fared with Experian first but it seems clear that I have a valid complaint. A letter to the ICO has been added to my 'to do' list for today.

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Thanks again, I was going to see how I fared with Experian first but it seems clear that I have a valid complaint. A letter to the ICO has been added to my 'to do' list for today.

 

Good this needs nailing asap.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Just called both Experian and Equifax (CallCredit still to do).

 

Equifax raised a dispute, no problem.

 

Experian took a bit more explaining as they didn't seem to be familiar with the ICO guidance

and at first claimed that lenders could chose when to default someone

and if they decided to wait years to do it that was okay.

 

I quoted verbatum the guidance I mentioned earlier and the (admittedly very nice) lady recorded it to include as part of my complaint.

 

She didn't seem to understand that recording 'late payment' 6's when no payment had been made for 5 years was inaccurate.

 

She also claimed that the lender may not have been sure how to record the entries correctly which is why records over 20 months old have '?' against them.

As if that is my problem!!!!

 

Surely that counts as incomplete or inaccurate information?

 

You would have thought that staff at Experian would have been up to speed with the ICO guidance.

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All the CRAs have to report the data they are given, they cannot amend or remove any data without leave from the company placing the data, it is an 'advance' having the ? on data that has not been updated where as previously the entry would just have been left.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Sorry if I am being a bit thick, but are HFC obliged to provide complete and accurate information? Having some 50 months of '?'s on my record surely isn't either complete or accurate. Even if they were unable to provide the data at the time they have had long enough to update the entries (some 20 months since the last '?' was entered)? Does this suggest (as I suspect) that they have lost or destroyed the data, or is it a case of they cannot be bothered and it's okay for them to behave in that way?

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Reported data should be up to date and accurate, incompetence plays a big part here I think. You do have the option of making a formal complaint to the Data Controller at HFC.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks,

I am also writing to HFC to reiterate my complaint that I made to the credit agencies again quoting the ICO guidance

and demanding that they either default me retrospectively at the date when I first missed 6 months worth of payments (as per the guidance),

or that they remove the entry from my file on all the credit agencies that they use.

 

If they remove it, fine, if they retrospectively default me then the default will be either older than 6 years or very nearly.

 

I have told them if they do not respond within the statutory time limit then I will make a complaint to the ICO.

 

I've already SAR'd them earlier today so if they dispute my case they will have a fight on their hands!

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Which 'statutory time limit are you referring to, 56 days for a formal complaint?

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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