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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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Aktiv Kapital Debt


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Hi everyone.

This is my first post so I apologise if it is in the wrong place.

 

I am currently in a DMP with Step Change.

 

I had a MBNA credit card which went to Thames Credit and eventually to Aktiv Kapital.

 

The debt now stands at approx. £5200.00.

 

The original debt with MBNA was approx. £2300.00 before it was passed on.

 

Aktiv Kapital keep adding interest to this debt on an annual basis so I end up paying less than the interest that is added so the debt keeps going up.

 

Is there any way I can get them to freeze this and put the debt back to the original amount.

 

They keep sending me letters offering a discount if I pay the debt in full. Any help would be appreciated. Thank you.

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Hi welcome to CAG,

 

Does this show on your CRA files?

 

I think you need to make a SAR to MBNA to get all the data on this account, interest on this is doubtful imo.

 

Also a CCA Request to Arrow Global may help to shed some light.

 

You can certainly write to the Compliance Director at AG and ask for an explanation on the interest and seek a freeze.

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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Do you know if a Default Notice and termination notice was issued prior to the sale of the account to Aktiv Kapital - I am not sure they can add interest to the account ?

 

Were you in a payment arrangement prior to the sale and had MBNA ceased adding interest ?

 

Have you received copies of the agreement and terms and conditions to see if there is a clause that allows this ?

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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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hi. many thanks for your replies.

 

the debt has been with aktiv capital for about 3 years.

 

if I recall, I was issued a default notice by mbna and informed it would be passed to a dca.

 

I then incorporated this debt into the debt management plan with the others I have.

 

they are the only ones adding interest.

 

should I contact them and ask them to freeze it and refund the interest they have already added to the debt.

 

I am unsure where to go with this.

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You certainly need to establish under what right they are adding interest to the account. Unless there is a provision in the agreement for them to do this, I don't think they can.

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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many thanks for your quick replies.

 

can I just ask a question,

 

as you may have gathered, I am not that clued up about debt collection.

 

if I send a cca request to all the debt collection agencies and they cannot provide the original paperwork, What does this mean for me.

 

with the help of a family member I was hoping to try and get full and final settlements on my debts.

 

I currently owe £22k (which should be approx. £18k without the Aktiv Kapital interest).

 

My aunt is willing to give me £8K to try and clear these debts but I don't know if that would be enough for them to settle,

 

any ideas on this. thank you again.

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Yes, I think that might be a good idea - CCA and or SAR requests to all those creditors involved.

 

CCA requests to the current owners of the accounts and SAR requests to the Original Creditors.

 

If they are unable to provide the documents requested, then this could give you some negotiating power, especially in respect of MBNA/Aktiv !

 

It would also let you see if there was any default charges or Payment Protection Insurance added to the accounts - which you could attempt to reclaim.

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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Hi the CCA regulated agreement request is just a request for the document, it is not intended to provide proof or lack of liability for a debt.

 

The non compliance with a CCA request basically stops enforcement via the courts, BUT the debt still exists, remains payable and collectable by any means other than court action, the creditor/DCA continues to report the account to credit reference agencies.

 

There is now the 'facility' for the provision of 'reconstituted' agreements to satisfy a sections 77/78 CCA request under CCA 1974 (as amended) this type of document can lead to a court deciding that liability subsists, if presented with evidence of useage of a credit facility e.g. use of the account and payments made to it.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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have you checked your cra files as brig asked? if there is a default, then they should not really be adding interest. in any event, under a dmp interest should usually stop or at the very least be reduced

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many thanks for your quick replies. can I just ask a question, as you may have gathered, I am not that clued up about debt collection. if I send a cca request to all the debt collection agencies and they cannot provide the original paperwork, what does this mean for me. with the help of a family member I was hoping to try and get full and final settlements on my debts. I currently owe £22k (which should be approx. £18k without the Aktiv Kapital interest). My aunt is willing to give me £8K to try and clear these debts but I don't know if that would be enough for them to settle, any ideas on this. thank you again.

 

My debt is a lot less, under £1000 and they have agreed to accept about 2/3rds of it as full and final.

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My debt is a lot less, under £1000 and they have agreed to accept about 2/3rds of it as full and final.

 

you need to find out why they are offering a short settlement?

 

PPI/PENALTY charges?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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many thanks for your quick replies.

 

can I just ask a question,

 

as you may have gathered, I am not that clued up about debt collection.

 

if I send a cca request to all the debt collection agencies and they cannot provide the original paperwork, What does this mean for me.

 

with the help of a family member I was hoping to try and get full and final settlements on my debts.

 

I currently owe £22k (which should be approx. £18k without the Aktiv Kapital interest).

 

My aunt is willing to give me £8K to try and clear these debts but I don't know if that would be enough for them to settle,

 

any ideas on this. thank you again.

 

something very wrong here

 

you need to get that CCA & sar done.

 

theres a really serious reason why they sold a debt of £22k!!

 

you need to find it!1

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i think there has been some confusion,

 

I owe £22K in total to all creditors, not to Aktiv Kapital.

 

I have just looked back on my paperwork and they originally took over the debt from MBNA with a balance of £1501.00.

the current balance is £5070.00 after the interest they have added.

 

what is the next step after requesting a CCA.

 

sorry for all the questions but I am not in the know with regards to this.

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that might explain why they are continuing with interest (although they shouldn't if financial difficulties and in an dmp. dmp provider should've ensured interest freeze.),

ie maybe they have not defaulted it and it is poss down as a variation in payments re the dmp.

but even then it should be marked as such.

 

usually when an a/c is defaulted interest stops.

 

but, if it has been sold on, then usually it would've been defaulted.

 

so, you need to check and get that interest stopped, and even better backdated. complain. 3.5k is alot of interest!

 

a time order can poss stop interest if else fails. eg http://www.consumeractiongroup.co.uk/forum/showthread.php?382658-Time-Orders

 

sar info to original creditor should show their account/default activity, etc

 

see what others say

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