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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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      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.

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Credit Unions - an alternative to payday loans / accurate at 22.09.2015


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Well i must admit after reading all your posts and looking at the Credit Unions as i have this last week.

I clearly must join one.I know where my local one is.

 

The sooner the better, let us know how you get on :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Well i went to the Credit Union.

Took photos and had a quick chat.

A tale to be told as i usually do these days.

Will tell the tale when time allows this week.

But was very impressed is all i will say for now

Tawnyowl.

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an oldish article, the govt urging membership of credit unions

http://www.telegraph.co.uk/finance/personalfinance/savings/10564255/Forget-banks-and-join-credit-unions-middle-classes-urged.html

 

yet now, re post #12, 'they' want to curtail them!

 

ABCUL response to BoE. encouragements re the review, as well as concerns.

http://www.abcul.org/media-and-research/news/view/603

http://www.abcul.coop/media-and-research/consultations/pra-creds-reform

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  • 3 weeks later...

'A RENFREWSHIRE credit union has hit high-interest payday lenders in the wallet – to the tune of more than £50,000. A new report by Paisley based Renfrewshire Wide Credit Union, says its hard-up customers are saving thousands of pounds in high interest payments by choosing them over payday loan companies such as Wonga.

Since January, the credit union estimates that its 111 Salary Stretcher loan customers have saved a massive £54,000 in interest payments alone by opting for its product, instead of taking out a short-term payday loan..........Renfrewshire Council has backed the success of Renfrewshire Wide Credit Union and believes it can form part of its strategy to tackle poverty. Councillor Mike Holmes, Renfrewshire Council’s depute leader, said: “Our investment in local credit unions is part of our two-fold fight against payday lenders and poverty........'

http://www.dailyrecord.co.uk/in-your-area/paisley-credit-union-hits-payday-6693004

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I posted a while ago and put a local credit union link on by mistake.

What i meant to put on was how to join your Credit Union nationally.

So here you are,you know now it makes sense to join your local friendly Credit Union wherever you live.

 

http://www.findyourcreditunion.co.uk/home

 

Mutual Financial Services

 

Ethical Savings

 

Credit unions offer a range of savings accounts that allow you to save as little or as much as you can afford

 

Unlike other saving schemes you can save as much or as little as you like, weekly, monthly or as often as you wish. Deposit savings at: convenient branches, local shops, collection points, by direct debit or directly from your wages. Credit unions aim to pay a dividend on savings once a year to all it's members. Dependent upon performance this can be as much as 8% of the total amount that people have saved. Credit Unions serve the community, so when you invest in your local credit union you know that the people who are benefiting are your neighbours or colleagues and not outside shareholders.

 

All money saved in a credit union is protected by the Financial Services Compensation Scheme

 

Affordable Loans

 

Credit unions offer a range of savings accounts that allow you to save as little or as much as you can afford

 

Some credit unions loans will cost you no more than 1% a month on the reducing balance of the loan (an APR of 12.7%). For example if you borrowed £1000 over 1 year, you would repay no more than £1067 in total. Many credit unions charge less, some may charge more but by law this cannot be more than 3% a month on the reducing balance (an APR of 42.6%).Link.

http://www.findyourcreditunion.co.uk/about

 

Ford.

'A RENFREWSHIRE credit union has hit high-interest payday lendersicon in the wallet – to the tune of more than £50,000. A new report by Paisley based Renfrewshire Wide Credit Union, says its hard-up customers are saving thousands of pounds in high interest payments by choosing them over payday loan companies such as Wonga.

Since January, the credit union estimates that its 111 Salary Stretcher loan customers have saved a massive £54,000 in interest payments alone by opting for its product, instead of taking out a short-term payday loan....'

http://www.dailyrecord.co.uk/in-your...payday-6693004

 

Such good news on a Sunday morning.

 

Here is my Credit Union that i flew into.

They did not need lights in the office.

The lady who met me had a smile that lit up the room.That could have melted the Polar Ice caps.

And was the friendliest person i have ever met in the financial world.

Have you ever had a few pounds and the bank manager says come into my private suite.

Well not in the Credit Union.

They are not trying to draw you into their products.

Just want to help you.

Here it is my local Credit Union.I was there outside,ready to burst through the doors.

Have you a picture of yours.

290y90p.jpg[/img]

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Tawny, that looks quite posh compared to mine :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Yes i suppose it is.

I believe the council helped them move.

If any of you out there are not happy with where your credit union is ask the council to help them.

Why not it would perhaps help many local people and businesses, increase membership if more prominent and benefit your town.

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Another service popped up in Sheffield recently: https://sheffieldmoney.co.uk/

 

From: http://www.localgov.co.uk/One-stop-finance-shop-opened-by-Sheffield-Council/39197

Sheffield City Council has become the first in the country to open a one-stop-money shop to help residents avoid payday and high interest lenders.

 

Sheffield Money opened its doors today, having been set up by city leaders who joined forces to provide people with a new way to access affordable credit, with lower cost loans and finance.

 

The project is the outcome of Sheffield Fairness Commission’s plans to help the city’s 50,000 residents who are borrowing an average of £800 each at extremely high interest rates (sometimes thousands of percent APR), sometimes causing debts to spiral out of control.

 

Operating as a broker service, the not-for-profit business brings together a range of responsible companies providing access to loans, credit for white goods, savings and bank accounts together with independent money and debt advice, all under the Sheffield Money brand. This allows residents access to a range of products that might have otherwise not been available to them.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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seems interesting, at first sight. 'We are a Community Benefit Society registered under the Cooperative and Community Benefit Societies Act 2014 with an asset lock which means that we operate on a not for profit basis....'

Current loan providers; Five Lamps?, Sheffield Credit Union, TransaveUK Credit Union. apr range 13 - 90 %

they do get commission from their 'partners', and offer shares.

https://sheffieldmoney.co.uk/about-sheffield-money

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I rather think that top end apr is very expensive and yes I know that PDLs charge much more, but asking someone to pay back almost double what they borrow is what got most people into debt in the first place !

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...

'CASH-strapped people in the borough are to be given a “safe and affordable” alternative to payday loans and doorstep lending.

Cheshire West and Chester Council, Cheshire & Wirral Partnership, Muir Housing, Plus Dane Group, Sanctuary group and Weaver Vale Housing Trust have commissioned West Cheshire Credit Union to provide practical saving and affordable lending facilities to residents and workers. West Cheshire Credit Union is a not for profit, financial co-operative providing credit union services across Cheshire West and Chester. Established in 2004, the business has continued to grow with more than 3,500 members. They have so far lent more than £2.4 million to local people in small to medium sized loans. ...'

http://www.chesterstandard.co.uk/news/155203/west-cheshire-credit-union-s-affordable-alternative-to-payday-loans.aspx

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  • 4 weeks later...

'More people are turning their backs on pay day loan offers and instead going to credit unions for money. Your Credit Union in Kensington says it has seen an increase of 25% in borrowing this Christmas in the wake of government price caps on controversial pay day companies. Chief executive William Rhodes said: “This time last year some people were paying up to 5,000% interest on cash they borrowed to buy Christmas presents . Many were unable to sustain ruinous repayments and the New Year could mean a visit from the bailiffs..“I’m delighted to say we are now seeing more people looking to credit unions as an alternative to pay day lenders.”.....

http://www.getwestlondon.co.uk/news/west-london-news/borrowers-turning-backs-pay-day-10625581

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This is very good news indeed, thanks for the link, Ford :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ABCUL 'welcomes' recent new FCA clarification re Credit Unions

'The Financial Conduct Authority has published a new clarification of its guidance for credit unions on consumer credit regulation. ....'

http://abcul.org/media-and-research/news/view/634

 

other news there;

'Darlington Credit Union has enjoyed an upsurge in membership since opening new high street premises'

NHS Credit Union '....smashed through the million pound barrier for the first time in the organisation’s 17-year history.'

ABCUL conference in march, 'The Chairman of the Financial Conduct Authority (FCA) will address ABCUL’s 2016 Annual Conference in March....ABCUL’s Annual Conference will see a number of new initiatives and the unveiling of new and improved services for members, including the Association’s new training offering.'

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Noticed my credit union has just had a name change to CASTLE COMMUNITY BANK and for the first time anyone with an EH postcode can join.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...

Loyds helping the Credit Union sector!

 

'Lloyds Banking Group is awarding £1 million to 21 credit unions across the country as part of its second tranche of funding to be released from its £4 million four-year commitment.

Lloyds said that from 2014 until 2017 the investment should enable the credit union sector to lend an additional £20 million to its customers. The awards are selected by an independent grants committee in partnership with the Credit Union Foundation...'

 

http://www.mortgagefinancegazette.com/general-news/lloyds-banking-group-awards-1-million-to-credit-unions

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  • 2 weeks later...

'THE amount of money loaned to members of a Bradford credit union has more than trebled as membership figures continue to grow, it can be revealed.Loan balances at Bradford District Credit Union increased by 73 per cent, well above the credit union average of about seven per cent...'

http://www.thetelegraphandargus.co.uk/news/14260228.Lending_soars_at_Bradford_District_Credit_Union_as_membership_continues_to_rise/

 

some bad apples though (union members money safe though);

 

'Kingdom Credit Union was defrauded by former staff member Margaret Bond who took out loan after loan over the course of a year. Bond was jailed for 16 months after being convicted of embezzling £79,120. However, the union told members it had lost more than £200,000...

http://www.thecourier.co.uk/news/local/fife/credit-union-members-told-funds-are-safe-after-fife-woman-s-79-000-embezzlement-1.921302

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  • 1 month later...

'The vital role of credit unions in providing access to low-cost finance. With millions of Britons excluded from mainstream finance, credit unions can help. So what can be done to support the (credit union) sector?...

 

So what can be done to raise awareness and help the sector grow? That question was posed to a panel of experts at a recent Guardian seminar, supported by Lloyds Banking Group, which was attended by an audience drawn from the credit union sector..Panel member David Haigh, finance capability director at the Money Advice Service, explained why there was such a need for credit unions..'

http://www.theguardian.com/public-leaders-network/2016/mar/16/savings-credit-unions-debt-crisis

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welcome honey :)

surprised, or maybe not (maybe it was part of their bail out to be more socially responsible?) to see loyds having such an input in credit unions.

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My work's credit union reports to the CRA'S my local one has not in the past 20 years but they have just merged with a larger Credit Union and are going on-line, I've a feeling they will start reporting also.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Credit Unions are modernising..'There is a lot of activity going on in the UK’s credit union space, as the participants realise they have no choice but to modernise... the Association of British Credit Unions (Abcul), is implementing a shared platform for its members. Around 40 entities have already signed up for it.....The Abcul project is supported by the UK government, as part of the Department of Work and Pensions’ Credit Union Expansion Programme. The overall programme is valued at £38 million, with the technology portion believed to be around £8 million....'

http://www.bankingtech.com/463612/uk-credit-unions-busy-with-tech-modernisation/

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  • 3 weeks later...

'ABOUT 250 people a week are joining credit unions in Scotland as a growing number of savers and borrowers look for alternatives to mainstream lenders....Membership of credit unions has grown 4 per cent in Scotland over the last year..' http://www.heraldscotland.com/business/14431725.Scotland_gains_on_Poland_in_European_credit_union_rankings_as_membership_grows/

 

 

not all good news though, but money is safe and those members can join Wolves Union

 

'The Whitmore Reans Credit Union had been dragged down by a series of bad debts, which left it unable to repay the deposits of the 981 members. They will get their money back through the UK's banking compensation fund...'

http://www.expressandstar.com/news/2016/03/25/1000-caught-up-in-wolverhampton-credit-union-collapse/

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