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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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      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.

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Motormile Finance UK RE:Mr Lender payday loan.


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Phishing letter. Ignore it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Well this is the email from MMF regarding the QQ debt they claim to own, it was own by Gothia who marked the defaulted mark on my credit file as satisfied, as Gothia list the account as default on 06/04/2010 can MMF list another default ? but as yet their is nothing on my credit file relating to MMF

 

 

Dear Mr

Reference:

We are attempting to contact the above named person regarding a personal matter. We have been provided this email address as being the possible address for our subject.

Therefore if you are the person named above, then please contact our office immediatly on telephone number 0844 770 9583 quoting the reference number , where upon detailed information can be provided.

If, however, you are not the person named above and/or have any information regarding the persons whereabouts, then please contact our investigation team, in confidence, on the alternative telephone number or email address below.

Telephone: 0800 054 2043

Email: [email protected]

We look forward to hearing from you as soon as possible.

 

Yours faithfully,

MotorMile Finance UK Ltd.

I think that is an exact copy of a letter that Mackenzie Hall used when Rob Sands was compliance manager there!!

 

Originality is not MMFs strong point.!!!

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Jesus Rippedoff youe been through hell with these guys

 

It took me a full few hours to read this through. Im sorry to hear about the issues you've been having with MMF but thats what these thugs do best. Bully you.

 

Brig, how many complaints do you have about MMF>?

 

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Well just checked my credit file to find a company called Express finance ltd have listed an account ( 252.00 ) their is no address listed, also Gothia have listed a default and marked the account satisfied this is the debt Motormile claim to own.

 

Is Express finance Motormile ????????????

 

 

OK.

 

Private & Confidential

For the Personal Attention of:

Mr Rob Sands

Director of Compliance

MMF Ltd.,

 

Date:

 

Ref: use theirs:

 

Dear Mr Sands,

 

Formal Complaint:

 

I have been receiving contact regarding an alleged debt for £xxx.xx allegedly originating from an account with a company known as Express Loans a company that I have NEVER had any dealings with and I do not acknowledge any liability to MMDf Lt., or Express Loans.

 

Having checked my credit reference files I find entries for this alleged account made by Gothia and marked satisfied and a further default entry from Express Loans for the same spurious account.

 

The obvious conclusion to draw here is that there is some confusion or deliberate manipulation of credit file data occurring here (enclose a screen print of the entries if poss RO) a copy of the entries is attached.

 

As I have never been a customer of the alleged creditor I do not acknowledge any liability for any such debt and will not enter into further correspondence or any other form of contact in regard to this matter.

 

Nor will I permit any 'home visits' by any agent, representative or employee of MMF at any time, being aware that MMF mistakenly like to claim such prohibitions do not apply to it, any such 'visitor' will be invited to leave failure to do so will result in the persons removal with police assistance if needed.

This is my final response.

 

recorded/signed for post and check delivery.

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Well I have checked my credit file again only to find that the file has been update as follows:

 

The Debt from Gothia RIDGEWORTH HOUSE, LIVERPOOL GARDENS, BN11 1RS ( £1004.00 ) is marked as satisfied . They did marked on 06/04/2010 a default

 

And new entry Express Finance Ltd 4TH FLOOR, NORTHSIDE HOUSE, 69 TWEEDY ROAD, BROMLEY, BR1 3WA ( £252.00 ) is marked as Satisfactory ?

 

Their is no reference on my credit file relating to MMF, so getting I bit stressed is Express another trading name for MMF ? and if the debt from Gothia is marked as satisfied do I have to repay MMF as they claim to own this debt, but their is no detail on the credit file, I have wrote to MMF regarding this matter but had no reply

 

cheers

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Payday Express by any other name. PDLC.

 

Mico Lending

Edited by BRIGADIER2JCS

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This appears to be an entirely separate PDL company different registered offices and no shared executive.

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This appears to be an entirely separate PDL company different registered offices and no shared executive.

 

I have never taken out any loan from Express Finance Ltd, so looks like I need to write a letter to them requesting information.

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I have never taken out any loan from Express Finance Ltd, so looks like I need to write a letter to them requesting information.

 

Tis odd,perhaps make it a complaint that they are unknown to you and require proof of their authority to place CRA entries, without of course admitting any liability to them.

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I have a nasty suspicion growing on me here, more underhand dealings Express is a PDL company MMF purchase delinquent PDL accounts, this 'Express Account' shows up on a CRA file with a 'satisfactory' conduct tag on it another way of manipulating the 'collectability' of these accounts??

 

Thoughts please!!

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I have a nasty suspicion growing on me here, more underhand dealings Express is a PDL company MMF purchase delinquent PDL accounts, this 'Express Account' shows up on a CRA file with a 'satisfactory' conduct tag on it another way of manipulating the 'collectability' of these accounts??

 

Thoughts please!!

 

Agree.! It's fishy... I'm going to make a phone call to them later and ask about it... Of course they don't have my number so they won't know who it is...

 

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I have a nasty suspicion growing on me here, more underhand dealings Express is a PDL company MMF purchase delinquent PDL accounts, this 'Express Account' shows up on a CRA file with a 'satisfactory' conduct tag on it another way of manipulating the 'collectability' of these accounts??

 

Thoughts please!!

 

I don't see the relevance of a cra file has to do with assignment of a debt.

 

I would also leave out allegations of manipulation of data from any correspondence as it could be libellous.

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I don't see the relevance of a cra file has to do with assignment of a debt.

 

I would also leave out allegations of manipulation of data from any correspondence as it could be libellous.

 

The debt concerned here has been marked as 'satisfied' by GOTHIA and has been in the hands of MMF which pursued it it now appears under 'Express Loans' of BROMLEY KENT a PDL company, which is why there is something very suspicious about this.

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A bit of on the oft register shows that express finance is a trading name of igroup2 ltd who are also black and white loans and purple loans Their CCL is 0457887 .They are based in watford and nothing to do with express finance (bromley) ltd. As far as I can see there is no connection with mmf.

They are run by 2936073 F N secretary ltd and Barry Duncan.

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Cross checking my report:

 

MEM Consumer Finance have listed debt of £225.00 dated 12/01/12 marking it 2 payments late, strange as according to my records the debt was cleared in full and they have never sent any letters or demands. I have wrote but get no replies

 

EE Trading as Orange have marked a default on 24/07/2011 and I have never had a contract with orange and can not this removed

 

Gothis Ltd listed default on 06/04/2010 which was an old QQ loan this is marked as satisfied on my credit file, but this is the account MMF claim to own now

 

Express Finance Ltd enter on 25/08/2012 a debt of 252.00 it is marked as satisfactory, however I have not had any loans from this company nor had any letters emails nothing, should I call express

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Hi Ro,

 

I cogitate on this and see what I can come up with to send them, this gets more and more confusing.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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