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    • 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)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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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.

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Charging Order - pushing for sale of house


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A friend of mine got a final charging order for £3000 in 2008. Nothing has been paid off the debt since then (lots of debts, small income) and she heard nothing from the company in the meantime so it was forgotten. Company solicitors have now sent a letter saying they are looking to force a sale since nothing has been paid.

 

Two concerns: The debt was allegedly legally assigned from a well known finance company to an offshore debt collector. I remember at the time asking my friend to get proof of the debt and legal assignment as the first she knew about it was when the new company issued a court order in 2008. I asked my friend at the time to get proof of the debt and whether it has been legally assigned, which apparently they did, but my friend never informed me so it went to court and the charging order was put in place.

 

I have now seen that legal assignment but it is just a letter from the solicitors of the new company saying the debt has been legally assigned to them. There is nothing to confirm this from the original creditor. Call me a cynic but I don't believe them.

 

I'm considering asking my friend tyo send off for a SAR, would that contain paperwork confirming that a legal assignment has taken place, or otherwise as the case may be. (from the original creditor)?

The credit agreement was taken out in 2004

 

Secondly, if they were to push for a final sale, how likely is it that it would happen. There is, at most, 5k equity in the house, her youngest child is 18. The amount owed is approx 7% of the value of the house. Her situation is such that she is unable to repay the debt in an acceptable timescale.

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Does she own the house by herself or with someone else?

 

Both herself and her partner are on the deeds and the mortgage. He died a few years ago (after this debt) but she has never done anything about taking his name off because, due to his age, couldn't be insured, so there was no question of the mortgage being cleared following his death. The mortgage is up to date from what she says, it has another 17 years to run.

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She should apply to vary the judgment to set up an arrangement where she pays a small instalment each month with a further condition that no order for sale should be allowed whilst the instalment is up-to-date.

 

They'll struggle to convince the court to allow the order for sale onm a £3k debt but it still might be worth the variation application.

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She should apply to vary the judgment to set up an arrangement where she pays a small instalment each month with a further condition that no order for sale should be allowed whilst the instalment is up-to-date.

 

They'll struggle to convince the court to allow the order for sale onm a £3k debt but it still might be worth the variation application.

 

You may remember I said upthread that I was dubious that this was a legally assigned debt? Heres the reasons for my suspicions

 

My friend received a county court summons in 2008 from the solicitors for the new creditor. There was no mention of the original creditor and my friend wrote to the solicitor requesting info, which they supplied. It contained a letter dated 2007 from the solicitor saying the new creditor had now taken over the debt as agreed with he original creditor and it was now legally assigned to them, and a fax of the original agreement. Also on the same fax was a breakdown of payments and fees charged (late payments etc) and the final note says 2007 Transferred to Solicitors. This I strongly suspect has come from the original creditor. That fax was dated at the same time my friend requested the info in 2008.

 

Would it be worth sending a SAR to get the proof that it has been legally assigned and, if so, is it best to send it to the original creditor or to the solicitor of the new creditor.

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Unfortunately I think it might be a bit late to challenge this on the basis of non-assignment. That really needed to be done at the time of the original court claim. They no longer need to rely on the assignment because they have a court judgment ... the CCJ by itself is enough. You could apply to set aside the judgment on the basis of non-assignment but this would be almost impossible after such a long time.

 

She may be best off with a variation order, as sequenci said I can't imagine they would have much success getting an order for sale for a fairly small debt.

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They need to start to look at what charges have been added on ,they may find the debt dramaticly reduced.Then if it goes back to court for them to use the charging order, they can tell the judge that the amount owed is in dispute .

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OR is Lombard Tricity, and to filrobbo about £150 in charges.

 

Shame about querying the legal assignment because she has just received a couple of lowell letters for two credit card debts that were CCJ'd by them in 2011.

 

I know for a fact they wont have been legally assigned.

 

Unfortunately she didn't contest them (has stuck her head in the sand big style over the last few years) and when I found out about them they had already been ccj'd, and she didn't have the £150 needed to set them aside.

 

I guess they will also go down the charging order route.

 

I was going to suggest to her waiting for them to go back to court then contesting the original ccj's.

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Does she have any health issues, such has depression.

 

No, I can't say she has. At the time of the Lowell CCJ's she went through a very stressful time at work, and took 2-3 weeks off sick through stress not long after. I think that was the reason Lowell got completely ignored.

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presme you have read the sticky thread eg # 523 consumeractiongroup.co.uk/ forum/showthread.php?203298-A-guide-to-Charging-Orders-amp-Orders-for-Sale/page27 and the related discussion thread

if you do decide to apply for a set aside, when doing so also request that any enforcement is put on hold in the meantime.

 

Judging by steampowered comments in post 11 getting the judgement set aside after 4 or 5 years would be highly unlikely, mores the pity. I was aware of the charging order myth having looked into it a few years ago on behalf of one of my mates after he was hit for a 67k co (sole debt joint mortgage) and I showed him that thread at the time.

 

Much as I would personally call their bluff, it isn't my house at stake. Her deceased partner is still on the mortgage/deeds so would she be still only be liable for her interest in the property or the whole now she has inherited his share? I think theres a small argument that it wouldn't leave enough money left over to rehouse herself if they were to take their share.

 

Personally I would simply call their bluff but it isn't my house at stake. A variation order is looking the best option.

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and, if apply for an instalment order note that the Charging Order act (as amended by the TCE act s93, 3, 4C ) states that 'The charge may not be enforced unless there has been default in payment of an instalment under the instalments order.' subject to 4D. this section should apply to an inst order made now as per s93, 6 as wouldn't it be an 'order'? or would it not be applicable? was there an inst order prior? please clarify anyone?

in other words, if s93 would be applicable re any 'order' given now in your case, get an app'n in asap for added statutory security.

Edited by Ford
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This in relation to another thread I have but just running an idea through my head.

 

Say someone is issued a judgement and later a charging order.

 

5 years later they discover that the claimant had no right to issue the summons because the debt wasn't legally assigned to them.

 

Obviously the judgement can't be set aside but in theory could the defendant point this out to the claimant with a demand for payment equal to the judgement, which if not satisfied ie by clearing the debt/charging order, the defendant then issues a new summons for the same, on the grounds of fraud by the claimant (letter issued saying debt had been legally assigned when it hadn't been)

 

Am I right in believing that the OC must notify the debtor in writing for a legal assignment to be valid?

Also would the original CCA have been passed on to the buyer of the debt at the same time?

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maybe then if you do go for an inst order now it would be subject to s93?

double check with sequenci/steampowered etc.

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If there isn't an instalment order on a charging order I would certainly suggest getting one. Not only would it grant added protection as per s93 you can add further coonditions too. We used to ensure people made it a condition to request no further execution/enforcement whilst an instalment was being adhered to - s93 as made this a statutory term now. Which is nice.

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