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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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      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.

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      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

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

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFC loans with CCJ PPI reclaim


knights templar
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Hi Folka,

 

HFC Bank ;

 

Defaulted on both loan due to unemployment.

 

HFc obtained a CCJ.

 

Payment in order since Court order.

 

Can I apply for refund of the PPIlink3.gif although there is a CCJ loan and how can I effectively do this.

 

 

Thanks for the quick response to my query;

 

I send an SAR but I am not quite what an SOC is .

 

can you help?

 

Brilliant response

 

knights templar

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Hi dx100uk,

 

Thanks dx100uk for your assistance and response,

 

sorry not to have mentioned you in my last response to your thread;

 

I was in a bit of a rush and just realised the mistake.

 

do you any chance have the address for HFC where I need to dispatch my SAR request

as I have lost all traces of their address and documentation.

 

I think the debt was sold to Debt collecting Agent called TBI.

 

Knights templar

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soc is schedule of charges spreadsheet

 

see ims21's sig for a version

 

as for hfc address

have a look in the hfc forum stickis?

 

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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  • 5 weeks later...

Hi Cags;

Received a letter today from HFC rejecting unlawful charges on grounds that charges were legit

because on groumds that payment was returned unpaid ; but was eventually paid and that charges were fair and reasonable.

 

They go on to quote OFT regulation2006 which they claim HFC did not accept

but then went on to say that for commercial reasons they accepted it ;

but that those chages did not affect charges that had already been applied.

 

Any comments on their reasons for rejection on my claim for default charges;

 

secondly HFC comment that my PPI application is being dealt with under separate cover.

 

Any comments?:???:

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usual rubbish

 

write back giving then 14 days before you start a complaint with the FOS

 

no co. will rollover on your first letter

 

esp HFC!

 

their charges ARE unlawful, they are a PENALTY.

 

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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  • 2 months later...

Hi

 

If you have County Court Judgment have you tried making a claim for the claimed debt to be repaid via PPI

 

The DISPUTE Resolution Rules 2010 for PPI as documented by FSA provide the ability for a potential claim on the PPI and for the PPI to payout the Debt.

 

This would clear your debt and the CCJ

 

I would very much like to know anyone that has tried this in Court.

 

PPI was to help everyone to repay debts rather than end up with CCJ but so far Banks winning

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it will be worth more to reclaim it

 

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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  • 1 year later...

Hi CAG, just received an offer letter from FOS advising that HFC can only settle charges and interest applied to account the amount offered by HFC is simply unacceptable ; in the first place the HFC sold the debt to TBI whilst defaults payments were being made to HFC ; secondly ; I do not have details of the agreement with me ; and thirdly since I do not habve the relevant documentation ; I am not in position to calculate the amount of charges and provisional interest made on the default ; do I contact the FOS to express that this offer is unacceptable in setlement of the said amount ?

 

Knights Templer:mad2:

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Hi CAGs received a settle letter from Fos; settlement letter unaaceptable ; do have details of agreements and default figures to calculate ; do I contact FOS to say this settlement figure is unacceptable and therefore escalate for further settlement consideration?

 

Knights templar

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Hi ims21,

Good question ims21; do not have any documetation on loan and thereforefore difficult to caculate the precise difference between expectation and settlement ; besides this settlement is been made under the understanding that HFC does not accept liability and considers its charges to be fair and lawful ; I believe a settlement figure of £66.00 is a bit misery and unfair and a bit suspect to me; what do you think ims21 ?.

 

knights templar:-x

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Hi ims21,

Good point ; will write to FOS ; that offer of settlement is unaccetaple on this occasion and that a further review of data from the HFC under SRA be made and recalculated to show the actual a settlement figure ;in the meantime I will write straight to HFC to provide me with all data under SRA request ASAP; what do you think ims21?

 

knights templar:-x

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you were told to SAR them in sept 2011!

 

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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  • 2 weeks later...

Hi ims21 ;

Received response from HFC Bank after sending SAR request ;

they require an identity specification like a driving lience or a passport;

frankly I do not drive and do not wish to send them my passport ;

 

I wish to write back and tell tham that ;

that my correspondence with them should form the basis of an identification profile;

also the FOS wishes that I accept HFC offer ;

but they sent a poor illegible breakdown with the excuse that they FOS ;

cannot investigate anything more than 6 years;

 

Is this ifo correct ?

 

Knights templar

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Hi

 

You can send a utility bill...continued failure to comply should be reported to the ICO.

 

You need to demand a legible breakdown and no it is not correct that fos won't look at anything beyond six years.

 

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  • 3 months later...

Hi; ims21

Sorry for the confusion ;

indeed this is all very confusing but it is not; two aspects to

this thread one for HFC Bank and one Nat. West. Bank ;

 

Nat West Bank made an offer of £2000.00 said they would offset this against loan repayment after my default ;

wrote to them that this was unacceptable no response yet;

sent SRA to seek basis of calculation ;

response received today that they cannot trace loan agreement and that other documenttion would despatched to me in due course.

 

Claim 2 ; aganist HFC; HFC refused to accept claim ;

therefore complained to ombudsman

;they made an offer of £65.00 through Ombudsman but again offer on condition that to be offset against default loan repayment ;

later SRA HFC ;

no response ;

ombudsman looking into matter as there is basis for calculation of £65.00.

 

You are therefore correct both Banks have not provided any basis for their calculations merely an offer which I am tempted to say this cannot br right ; I am therefore the basis of their offer challenge after you have made your comments.

 

knights templar

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I think you need to split this natwest stuff out to another thread

 

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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  • 5 months later...

this is your HFC PPI thread now

 

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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