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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.  
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CCJ claim for rec from capquest and optima legal from northampton pls help


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Hi all long time I know my apologies hope all are well - im better today and need to address this issue as not been well past few weeks, so im hoping im not late in dealing with this today understand that 25.10 rec plus 5 days for delivery is 30.10 then 14 days to acknowledge which is then 13.11.13

 

I received a claim form from northampton CC DATED 25 OCTOBER 2013 and would be really grateful to get some advise on how to proceed. I have had some financial issues and due to depression a few years ago and debt spiralled out of control, loads of late charges/int applied via various creditors when I was struggling to keep my head above water and I just tried to deal with stuff as I tried to get better too. I had tried to get my paperwork together to start addressing stuff but somehow ive not really addressed anything to a full ending,

 

The claimant is Capquest for amount over £4 for an old credit card (Lloyds banking.

 

SOLICITORS are Optima legal. I've NOT checked my CRA for a fair few years so unsure of any default when - I am looking to see if in the past I have requested info but cant lay my hands on it at the moment but I recollect I may have last paid something around 2008 and there were before that time a few late charges etc and fees/interest etc applied to the account with took me over my credit limit and further and further into debt, and I haven't been in correspondence with them at all.

 

I believe I may have received a letter from Optima legal in mid Oct attached which was threatening legal action, but im not sure where it is at the moment. Have now received the court papers.

 

I understand I can the do the AOS online and send a CPR 31.14 request to the SOLS giving them 7 days to respond to see what they come back with. In the CPR request I was going to ask for true copies of the following

 

-the credit agreement

- NOA

- Default notice

- Full statement of account - itemising all interest & charges from the commencement of the alleged debt

 

Any further advice should I be asking for please?. I m not sure how to flipping scan docs at the moment but will attempt to try later Cheers angel x

Edited by angel_1
see post 2 for the particulars of the claim

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

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NORTHAMPTON (CCBC) County Court

 

 

Claim no xxxxxxxx

 

 

Issue Date 25 Oct 201

 

 

 

 

 

 

Particulars of claim

 

The Claimants claim is in respect of a credit agreement regulated by the Consumer Credit Act 1974 wherby LLOYDS BANKING GROUP original creditor provided the defendant with a credit card.

In return the defendant agreed to pay at least the minimum payment given in the statement. A default notice was served on the defendant which has expired and upon which the defendant has failed to comply with. A Notice of Assignment has been sent to the defendant notifying them that this debt has been assisgned to the Claimant. The claimant therefore claims the sum of £xxxx plus costs. The claimant has complied with Sections III and IV of the Practice Direction on Pre-Action Conduct.

 

 

=========

 

 

signed OPTIMA LEGAL SERVICES LTD

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya all having looked around other threads do I understand correctly that I could also reqest a copy of the cca with the 1.00 fee a post office money order and send that to the Claimant in this case is it Capquest and not optima legal as they are the named sols and address is different to the capquest -

but send this also to them in a separate envelope registered or recorded delivery - and the CPR request also goes where to the claimant or sols? sorry mental block now ,,,,

be back later to check on, I think I do need to acknowledge the claim at least this eve and also get the letters done for posting tomorrow - what do you guys recommend cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel,

 

Acknowledge the claim online within the deadline stating your intention to defend the full amount.

 

Send your CPR31.14 request to Optima requesting sight of the required documents that you refer to in post #1.

 

Tell us roughly when the a/c was opened and whether by a written application, online, or what.

 

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hiya slick,,, just gone to ack online and its saying I need to input the mcol acc info - if I cant find today - have re registered but of course its now asking me to enter the passcode which has not been entered on the claim form, maybe missed in error I will call the court when opens and check on this - I hope I can just fax them today the acknowledgement instead of doing online x

 

 

have done and being faxed to them today and will check with them tomorrow that its been rec ok, and done letters too cheers for your help as always,

 

 

will update you later on other stuff, x angel

 

 

you asked the question how long ago, I believe now from what ive found its been a very long time thus I m guessing at least 2002 to 2005 and it was not an online but maybe in the bank completed some kind of cca,,, but will delve more in my paperwork and see what I can find.

Edited by angel_1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Good, as long as the Acknowledgement goes in on time, you then have time to defend as best you can.

 

Maybe get the defence prepared and ready to submit without getting so close to the deadline. :wink:

 

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  • 2 weeks later...

hiya slck and all,

 

 

not received anything at all, and just recovered from a chest infection so now need to get this defense it but what the hell am I going to say, ? I don't even know what to say pls help, will log in later I appreciate your guidance as always cheers x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hiya all looking to see if i can put in the defence similar to what i did on the last one you helped me with slick but really am unsure im cross with myself ive become ill snd ran out of time to do anymore than i have will have a bit of a read around see what else i learn tonight catch up laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel,

 

Here's a link to a Defence with Andyorch's comments added - http://www.consumeractiongroup.co.uk/forum/showthread.php?391771-County-Court-Claim-Form-Loan-From-HSBC-MKDP-LLP-Claimant&p=4244683&viewfull=1#post4244683

 

You can adapt and use this if you have nothing else to work with. You can also refer to your previous Defence(s) and include anything useful.

 

The main thing is to carefully adapt any Defence to properly reflect YOUR case, with regard to the Claimant's PoC's and your circumstances.

 

Make sure you do not miss the deadline to file the Defence with MCOL.

 

:-)

We could do with some help from you

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Thanks so much slick have to fax it tomorrow so will tweek as best as i can and lets see if any interesting things or do the actually have any have the correct paperwork - do i just then wait on the court and see if anything else turns up in the post ? Will update u asap with any info cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Get the Defence in on time.

 

After that, we'll see how Optima play it re documents, etc.

 

:-)

We could do with some help from you

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Get the Defence in on time.

 

After that, we'll see how Optima play it re documents, etc.

 

:-)

 

Will do i appreciate your help cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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  • 3 weeks later...

hiya all a bit of an update - well did get my defense in time and then got a letter from the court to say that the claimant had 28 days to respond and as yet still not had any other letter or documents from either capquest or optima legal or the court, think xmas day is the 28 days - so does this mean if I don't get anything it is likely to be stayed? or would it be worth me considering mediation at any point? read on another thread is it worth doing that before allocation?

 

 

as always cheers any other info received will update immediately, angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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if they don't respond to the court within the 28 days from their receipt, then it will be auto stayed.

negotiation can be done at any time.

small claims? if they respond to continue, then there should be the 'formal' option of the small claims mediation service to opt for.

did you end up doing a formal 'cca request'?

Edited by Ford
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Hi Angel,

 

The ball is now firmly in the Claimant's court.

 

Wait and see if they want to proceed. Then decide how to deal with it ...............

 

In the meantime, I hope you can enjoy Christmas.

 

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  • 2 weeks later...

hiya all, still no information received from them, so taking your advice to see how they decide to proceed, but will it be automatically stayed now that it has lapsed the 28 days that the court advised me of at the end of nov, ? what does this actually mean for me, do I just leave alone ? or what if any decent options do I have, as my concern is if this reaches the 6 years date, will this ccj attempt foil that to be statute barred? does it mean the clock starts ticking again or not?

 

 

anyway mad questions at this time of the eve so sorry off to deal with the fresh one that has arrived recently lol, have a good 2014 if I don't manage to log in tomorrow x and sorting out my paypal account to send a donation too. ciao for now angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel,

 

It may be that the court will allow a fews days leniency for the xmas and new year hols.

 

If the sol'rs do nothing, the case will be stayed and, in due course you may do well to apply to have the claim struck out, rather than leave it stayed.

 

Have we discussed the date when you think you last paid toward the a/c here, to check about it being too old ?

 

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hiyaAAAAAAAAAA SLICK

 

 

 

 

yes totally understand will wait to hear lets hope its stayed and yes I agree in due course to get it struck out rather than let it be stayed, learning from my past lapses, ie the marks and spencer tomlin order and will get back to you on the times and stuff done so we can see what can be done on that one too, this one though last paid im guessing but will have info to look back on in the garage, I think was oct 2008 or oct 2009.

 

 

anyway will look at this further end of this week, if any letters arrive will update the thread of course, cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Ahaa, the famous "Garage" where all sorts of mysterious papers lay hidden. Perhaps when looking for old papers in there one day, you'll find an old Ming Vase worth ££loadsamoney!!!

 

In the meantime, if the a/c was last paid towards in 2008/09, it's not going to be Statute Barred for a the next year or two. However, it would be good to find all relevant papers in the garage so you know for sure about each debt.

 

HNY :-)

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