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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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It just got worse and we're worried sick...


Trelawney66
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Hi, I've been using the PPI forum recently as I had discovered that we were not only in a lot of debt but it seemed that my wife has been fleeced by lenders for unasked for extras, amongst other things. However things have just got a whole lot worse as our mortgage company has broken off negotiations and late yesterday we received a letter telling us that they were instructing their solicitor to start repossession proceedings.

 

I am retired with just a basic state pension. Until Nov last year my wife had a good job. She lost it in such an underhand way that her union has taken up the case and a tribunal is sitting sometime in Dec. The union barrister has told us that she has a good and valid case and should she win there will be a substantial payout. However, this is not Dec and is no real help! She has been trying to get back into work, but so far with no success. Her health has suffered as a result and I'm extremely worried about her.

 

 

We have been paying as much as we can afford to them each month, and even more whenever we have some spare money. The DWP has also chipped in with a contribution which they pay direct to them. We have tried to negotiate with them but their stock stance is that we should pay the arrears or face eviction.

 

 

We are paying way above the odds in interest rates, as this mortgage was sold to my wife by a broker who knew he could bamboozle her and has since gone out of business. We tried a while back to get legal advice about how we could start proceedings for a miss sold mortgage but he advised that as the company had gone out of business (Crystal Clear Home Loans) there was little chance of success. (I have since discovered that one of the directors is still trading , in the same building, offering financial services)

 

 

Recently our loan was transferred to the 'solutions' dept in GE and we were in contact with a 'nice' guy who gave us the impression that they were actively working on a solution for us. On Tuesday morning he rang us to say that he hadn't heard back from Finance but was expecting to hear later in the day and would ring back around 5. 5o'clock came and went as did Wednesday and Thursday. Late Friday afternoon a letter arrived informing us of their proceedings.

 

 

We immediately rang him but they refused to put us through to him, instead insisting that we spoke to their legal Dept. This young man was as close to being a brick wall as is humanly possible. Despite anything we said to him his stance was to repeat over and over again that we had to pay the arrears before the solicitors action would be stopped.

 

 

The thing is, we did everything we could to reassure them that we were not simply 'not paying'. We rang them as soon as my wife lost her job, we kept them informed every month, and as I said we paid as much as we could without fail. Even the 'brick wall' we spoke to yesterday conceded that he would have expected the arrears to be much higher. They currently stand at about £2,500.

 

 

As the title says, we are worried sick. Housing down here is at a premium and as rare as hens teeth. The council list currently has 29,000 on it, and we're not on it either. We have however phoned the Council to ask about the mortgage rescue scheme, but the word is that around here it's almost impossible to get onto it unless you're almost gasping your last, and I'm a few years off that I think...

 

 

So... What on earth can we do? This feels like the end of the world for us. We have a house full of memories, a retired greyhound and a couple of cats, and it seems that everything is crashing down around our heads.

 

We always saw this financial situation as a temporary blip. We remained optomistic that we would be able to heave ourselves out of it (In fact my wife has a job interview next week, small salary but it's a start) We're terrified that GE will steamroller through the courts and the glimmer of hope we see on the horizon will be lost in all the debris.

 

 

Sorry to go on in such a long post but I'm genuinely at my wits end trying to hold all this together and seeing my wife's face looking so devastated is hard to take.

 

 

Hope someone can point us in the right direction, in fact any direction would be good... Thanks.

Edited by citizenB
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Hi there, I can see that this is a very worrying situation for you. Hopefully we can offer some advice, but will need a little more info so if you could answer the following questions we can make a start.

 

Is the mortgage capital and interest or interest only?

How much is the normal monthly payment and how much have you been paying ?

 

If they are only just applying for a possession hearing you have a few weeks before they get a court date so we have time to try and do something about the situation.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hello Ell-en, and thank you for hearing our plea for advice...

The mortgage is capital and interest, and the monthly repayments should be £728:63 (although this seems to fluctuate a bit)

We are paying from my pension and pension credit £200:00 (sometimes up to £50 more if we can afford it, and the DWP is adding a further £69:81 per week.

Now, to us the DWP part works out at 302:51 per month (multiplied by 52 and divided by 12)

GE claim it is only £279:24 per month (they have only multiplied it by 4)

So therefore what we are actually paying is either £502:51, or £479:24, depending on whose is the correct calculation!

Once again, thank you so much for replying, it means a lot...

Edited by Trelawney66
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I understand that you think the chances of getting Mortgage Rescue are slim, but make an application anyway. Get a confirmation letter from the local authority that they have, and are considering, your application. When the case comes to court, you can use the letter as proof that you are looking for an alternative, and ask the judge to adjourn for 3 months whilst your application continues. MRS apps take anywhere up to 9 months to complete, sometimes longer, so the judge will not be phased by a request of 3 months. This will undoubtedly get you past the December date for your wife's tribunal, and hopefully a payout that will assist you in the future.

 

In additon, you should write to the mortgagee and ask to be placed on interest only for a period of 12 months - explaining that this will give your wife time to get back into work, and will allow you to pay something each month towards the arrears as well as the interest only payment (it'll be less than or equal to what you're paying currently if they take the capital repayment off). Inform them that under the pre-action protocol they have 10 days in which to reply to your offer. These letters will also be of use in court.

 

If you're lucky, this won't come into court until early November, and if so the adjournment you can ask for due to an MRS application will take you to February at least, and by then your wife should know what her position is regarding the tribunal.

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As LeaH says you have time to apply for the MRS and also to write to them asking to be put on interest only for a period of time (which is why I asked what sort of mortgage it was) and we can help you with a letter requesting this. From now on you should only communicate with them in writing as copy letters will help you in court.

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Hello Lea_HTH, and thank you so much for your reply.

We have managed to secure an initial telephone consultation with the council regarding MRS on Monday, (despite my misgivings, and as far as we are concerned nothing is off the table). So we'll see how that goes.

Your insight into court timings is very helpful, as is your advice about an interest only request. I don't hold out a lot of hope for that as their argument is that "we have had plenty of time already and why make a bad situation worse" ...all under the guise of 'helping' us!

Is there a template letter somewhere we could use for guidance?

Thanks for helping us....

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Hi, I'll draft a letter for you and attach later.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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Hello Lea_HTH, and thank you so much for your reply.

We have managed to secure an initial telephone consultation with the council regarding MRS on Monday, (despite my misgivings, and as far as we are concerned nothing is off the table). So we'll see how that goes.

Your insight into court timings is very helpful, as is your advice about an interest only request. I don't hold out a lot of hope for that as their argument is that "we have had plenty of time already and why make a bad situation worse" ...all under the guise of 'helping' us!

Is there a template letter somewhere we could use for guidance?

Thanks for helping us....

 

Try not to worry too much. If your wife is genuinely going to find another job and perhaps get compensation for her dismissal, then the extra time you'll buy yourself by applying for MRS will genuinely make a difference to the court proceedings.

 

Don't forget to include in your letter requesting interest only that the MCOB states that possession should be a last resort, and if there are other options open (such as interest only), then there is no reason why you should not be given that opportunity.

 

Of course, all of this also depends on the remaining term of your mortgage, as that will play a large factor in the time they can offer to you.

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Hi Ell-enn, Just found your excellent CAG guide and have cobbled together a letter using cut and paste with a few bits added that are relevant to us. Have printed it and will post it to them in the morning.

I have a question that has been puzzling me. If we were to find a property to let that we could afford, and have to move fast to secure it, what is our position then? What I mean is, can we just vacate and move? Is the mortgage then frozen? (as we would be effectively handing the house over to them). I know this may seem a stupid question, and obviously it's not a solution we would relish... But I can't afford not to look at as many exit strategies as I can think of... and ideally we don't want to move if we could at all avoid it.

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Hi there, sorry for delay in responding - I have affixed a letter which should suit your particular circumstances. You need to send by special delivery - keep the receipt for posting safe and check on the royalmail website a few days after posting to print off the signed for proof. Keep the proof with a copy of the letter you sent in a safe place as we may need to produce it in court.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Thank you Ell-enn, don't worry about delays, we're just grateful that you are giving us guidance as we have only a very basic grasp of all the ins and outs of this situation at the moment (although we're learning fast...)

Brilliant letter, and we'll get it out as soon as...

When or if you have a spare moment , could you consider the question I asked in my last post about exit strategies?

Thanks again ...

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Hi, is there any equity in your property ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 2 weeks later...

Hi all... A quick update... I sent the letter that Ell-enn kindly attached and waited for a response. In the meantime we had a call from the council about the mortgage rescue scheme, and we were told that there would be some forms in the post on their way shortly. She also told us that she would be arranging a home visit to see if our property was suitable for the scheme. So far we haven't received the forms or the visit, but we do have a name, department number and her desk number to phone, so fingers crossed.

The next day we had a call from the mortgage company, and our proposal for a 6 months interest only payment was rejected. However, the call was from the person designated to deal with the mortgage rescue scheme, and she told us that if our application was successful they would then be likely to propose a payment that we can afford until the deal with the MRS was finalized... So, we are probably on our way to some kind of resolution I guess... but it's early days yet... I'll keep you posted...

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Good news - hope it all goes smoothly for you :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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