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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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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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HFC / HSBC sells off debt to Lowells


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The default was on my credit file, but expired in January/February this year.

So when was the last payment and/or written acknowledgment of this debt?

 

 

I looks like Lowlife a chancing their arm again, the debt is probably already SB or nearly so, that's the reason for the 70% discount.

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The Debt is statute barred as of 2nd December in 3 months.

Based on default date or last payment lokur?

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Based on default date or last payment lokur?

 

Last payment.

 

The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC.

 

I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying.

 

Forgot to mention: I forgot cancel the direct debit, so there was a bounced payment in January and February in 2009, which shows up on the accounts as payment/reversal of payment. The reason they bounced was that I was the victim of identity fraud and my account was emptied out over christmas that year. HSBC who I was banking with refunded me all the bounced DD charges and the stolen moneys 6 months later.

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Last payment.

 

The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC.

 

I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying.

 

 

Best to string Lowlife on for 3 months then, 70% discount so close to SB bl**dy cheek.

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Best to string Lowlife on for 3 months then, 70% discount so close to SB bl**dy cheek.

 

Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

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Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

In theory yes, but as nothing has been done in all this time highly unlikely now.

Lowell are not shy about litigation is they believe they have even a fair chance of

success.

Ignore I think!

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id wait for it to go SB and reclaim PPI.

 

 

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...

Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ.

 

Then it goes on about the ramifications of a CCJ.

 

Threatogram?

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Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ.

 

Then it goes on about the ramifications of a CCJ.

 

Threatogram?

 

 

Passed to the next desk in Lowell's den of iniquity, wait and see what Hamptons have to say.

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bloke at the next desk in a diff coloured skirt.

 

 

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 know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ.

 

Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

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I know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ.

 

Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

Hamptons are likely to farm this to one of the tame solicitors (Bryan Carter instance) to issue a claim so a little more time will be wasted there.

 

 

Looking back to July Lowell were threatening court action within 7days and nothing has happened.

 

 

What has Lowell produced to support their claim?

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Is there anything I can do to slow this down, I really don't want to deal with this in court.

 

 

This seems to be going in the usual circle of "escalations" to various departments of Lowell more often than not after Hamptons

the debt gets back to Lowell's ordinary collections activity.

 

 

How much is the debt for? To take it to court it has to be financially viable, but I think the discount offers indicate desperation to get something before it becomes SB.

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The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute.

 

Last payment on account was December 1st 2008.

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The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute.

 

Last payment on account was December 1st 2008.

Agreed to refund PPI and then refused to do so?

Nothing more from the OC since the dispute was raised?

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I didnt know about the PPI really as it was tackled on without me realising,

and being stupid enough not to read through the documents properly.

 

 

when I got a letter from them saying our internal routines shows that you might not have had

the PPI terms and conditions through we're offering you to cancel it.

 

 

when I asked the local branch to do just that,

they point blank refused no matter how much i waved the letter.

 

 

I disputed it and refused to pay the debt going forward. This was roughly in December 2008.

 

I had a default letter through years ago, but no real attempts to contact me

no phone calls, no letters.

 

 

I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one.

 

I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset.

 

 

My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide.

 

I believe in paying back what I owe, but I think I have a genuine dispute here.

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I didnt know about the PPI really as it was tacked on without me realising, and being stupid enough not to read through the documents properly. So when I got a letter from them saying our internal routines shows that you might not have had the PPI terms and conditions through we're offering you to cancel it. So when I asked the local branch to do just that, they point blank refused no matter how much i waved the letter. So I disputed it and refused to pay the debt going forward. This was roughly in December 2008.

 

I had a default letter through years ago, but no real attempts to contact me no phone calls, no letters. I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one.

 

I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset. My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide.

 

I believe in paying back what I owe, but I think I have a genuine dispute here.

 

 

 

Did you get a Final Response Letter from the bank after raising the complaint?

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Did you get a Final Response Letter from the bank after raising the complaint?

 

I don't think I did. I certainly can't remember seeing one. I did move around a lot back then, but I kept HSBC up to date with my address. I don't know how well they share information between each branch of the bank though.

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my neighbour has had about 25 of those exact letters.

 

 

sit tight.

 

 

nothing you can really do or need too at the present with it.

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 suggest, politely, you fo back to post one and re-read your thread.

 

 

everytime you get a threat-o-gram

you panic...don't.

 

 

you need to p'haps address your PPI paperwork and get that checked here ready to send it all.

 

 

no dca offers a 70% discount when they could goto court for 100%

 

 

think about 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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