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    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
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ge money claim for unfair fees and charges **WON**


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Hi Jake,

 

You need to comply with the order above and File and Serve the necessary doc'ts by the deadline.

 

1.a Will be your updated spreadsheet showing all charges and interest.

 

1.b Will be a suitable fully particularised POC. Look here for an example - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?80-Mortgage-companies

 

1.c Has already been addressed.

 

Let us know how you're getting on with complying.

 

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Hi Jake,

 

You need to comply with the order above and File and Serve the necessary doc'ts by the deadline.

 

1.a Will be your updated spreadsheet showing all charges and interest.

 

1.b Will be a suitable fully particularised POC. Look here for an example - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?80-Mortgage-companies

 

1.c Has already been addressed.

 

Let us know how you're getting on with complying.

 

:-)

 

Hi jake, did you get all done and submitted? I

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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  • 3 months later...

Hi All - 6 months on..........................Still battling on with GE money!Hope this will help others.Have a court date set for next Friday 15th August. So far I have had another offer of 1250.00 same as before they never increased it and then a tomlin order with the same offer. I have not replied to these - in hindsight may be I should have tried to get them to up the amount? Anyway too late now.......Last week I recieved a huge ream of paperwork from Optima - GE's defence forms. They have included a witness statement from a member of staff and a copy of the original loan agreement and then a copy of the telephone transripts detailing all the times they have tried to contact me (mainly at work! I had to ask them to stop constantly contacting me) Basically my side doesnt look good but I knew they would do this, looks like this is going to be a slagging of session of how bad a customer I have been.So....any advice please, I am very nervous about going next Friday and hope I dont fluff it because of this. I am thinking along the lines of ' Sorry I really don't feel that we are here to discuss my poor credit record or behaviour - the issue is the unfair charges applied to my account'. What do you think? Advice much appreciated!

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That can only be your approach do not allow them to divert or muddy the waters.

 

Andy

We could do with some help from you.

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Thanks andy

I have just got home tonite and have had a new offer of 1750 (tomlin order) with a letter saying that because i havent entered any witness evidence - i am now debarred from relying on any evidence at the hearing.

What do you think - take it and run? Or try to negotiate - think maybe its a little late in the day as court is next friday?

Thanks

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Why did you not submit your WS?

We could do with some help from you.

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All the directions and time table are included with the Notice of Allocation...Disclosure & Witness statement exchange, hearing fee trial date.

We could do with some help from you.

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Am afraid i didnt know i had too

 

You can do one of two things, file and serve a witness statement tonight and hope for the best or file and serve a statement and make an application to Court for relief from sanctions to be heard as a preliminary issue before the hearing.

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hi jake17, good luck with your claim, not so well up on legal system but will the court not see the two offers they made to you as admitting to wrong doing or at least part of it.

im at the very early stages off making claim against them going on for 5gran now,i dont think they would show phone records in court if it is out like mine they would most probably get done for harassment ,well done for keeping up the battle with them

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hi jake17, good luck with your claim, not so well up on legal system but will the court not see the two offers they made to you as admitting to wrong doing or at least part of it.

 

The court will not see the offers as an admission of wrong-doing. If the offers are turned down and the case goes to a hearing, Jake's chances in court may be compromised by the failure to comply with the court's Directions.

 

:sad:

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Am afraid i didnt know i had too

 

Have you considered accepting the offer? I know it's not exactly what you were aiming for but at 70% are you sure you understand enough of the process and arguments to stand a greater possibility of winning your case?

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Have you considered accepting the offer? I know it's not exactly what you were aiming for but at 70% are you sure you understand enough of the process and arguments to stand a greater possibility of winning your case?

 

On the other hand why are ge upping their offer? Are they as confident as they make out?

 

I know it's not long until the hearing but I wouldn't rush a decision. It's not too late for them to offer more.

 

What does the Tomlin Order say?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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On the other hand why are ge upping their offer? Are they as confident as they make out?

 

I know it's not long until the hearing but I wouldn't rush a decision. It's not too late for them to offer more.

 

What does the Tomlin Order say?

 

I would think it plays the percentages.

 

Without sight of the op's calcs I can only find mention of £1600.00 in charges + request for relief to 8% interest at circa £600.00, s.69 interest is not necessarily granted in every case.

 

I figured the offer would settle the base of the claim + filing and allocation fees, leaving the op out of pocket on possible s.69

 

Not entirely sure how happy the court will be with the missed filing and service dates, it may overlook it but then again it may dismiss late filing in its entirety.. an app for relief from sanction would carry a fee of £155.00 and may not be successful, factoring that cost in the offer starts to look a little better.

 

By all means ask for more but I wouldn't be inclined to drag it out until the 11th hour.

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Fair points.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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I have decided to accept the offer - due to the mistakes ive made with missing stuff out etc i dont think its worth the risk. I really wish i had bought the patricia pearl book advertised on here earlier ( only bought it last week) and read through it before starting ( caggers take heed!) it does show though that you can fight these companies and get your money back (maybe all of it if you follow correct procedures!) i want to thank everyone for the help and comments in the meantime.

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FWIW I think that would be the sensible option and you've saved yourself a further couple of days in preparing docs and trial.

 

Could you post a copy of the offered schedule prior to signing, just in case it contains anything untoward.

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Hi Jake,

 

I also think that's a wise move, accepting their offer.

 

:-)

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  • 2 years later...
Hi Jake,

 

I also think that's a wise move, accepting their offer.

 

Hello again, can't quite believe am here again!

 

If you look at my old thread above, I challenged and won before court date £1750 back in admin fees from ge ........

 

forward 2 years and my account which I have kept in order has been passed to arrow global and to my horror I have realised the charges that they be so kindly refunded by cheque are still on the account.

 

I have contacted arrow who have asked for proof, which I have sent, but I have just received a letter from arrow stating 'thank you for your complaint we will be looking into this ....blah blah' .

 

hmmm seem to have been here before. I have sent them a letter showing the amount that ge refunded to me but I have got a nasty feeling that I have been stitched up like a kipper!!!!!

 

As it never actually went to court would I be in a position to take theses idiots (arrow) to court if necessary???

 

Please help!!!

Edited by slick132
added paragraph spacing; sorted format of quote
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Hi Jake,

 

I've added spacing to your post above - blocks of unspaced text are harder to read.

 

In post #42, you were asked for a copy of the agreement or Tomlin Order that led to the court case being dropped by you.

 

Can you post this now but remove any identifiers.

 

If you received the agreed refund by cheque, what happened to the balance due on the account. Or was this covered by the Tomlin Order with GE agreeing not to pursue any remaining balance.

 

:-)

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