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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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 to £30 if paid within 14 days of issue).  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 to £60 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 4) 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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Lowell/carter claimform - old Co-oP Loan


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Hi All, This is the first time I've asked a question on the forum,iv read and followed many story's getting good information from them but now I need some help please.

 

I have just recived a county court claim from lowell portfolio/bryan carter/fredricsons.

 

The cliam is for an eleged loan agreement they purchesd from the co-op in jan 2013.I'v receved numerus letters/demands/threat o grams of court action over the past 5 year.nobody has ever provided me with the singed copy of the aggregment or terms.ive not responded to lowell/Bryan/freds at all regards this matter.In the past iv ask several of the others via the prove it letter to provid me with information but nothing as ever come back, one company(Red castle)Back in feb 2010 replied to the a section 77/78 with this.

 

"we have spoke to the co-op bank who confirm they fulfilled your consumer credit agreemeent request in nov 2009 "

But if they did i didnt recive it nor did Red send me a copy.

I have had demands and threats from all TEN yes TEN debt companys .

1/ Red 2/ Resolution legal 3/Gothia 4/Iqor 5/Moorcroft 6/HOME collection services 7/Lewis

8/ lowel.9/Fredricksons 10/Bryan carter .

On the court claim form do they have to provid some proof ?? All it say's is he acc number,amount and that it was " his debt was assigned to/purchased by lowell portfolio on 8/1/2013.

When and how do i get to see what proof they have to show me or the court ???

Please help as im not sure what to do at this stage

Thank you

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Hi

 

I have moved you to the legal forum where the guys will be able to help you.

 

Can you please have read here and post up answers to the questions asked.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**(3-Viewing)-nbsp

 

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Thank you ims21, i hope people understand my post , im dyslexic and not very good with computers or punctuation but iv got a strong will and wont back down to these vultures Thanks again

Edited by wolfgang5
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Wolfgang, if you could please let us know what the Issue date is - you will find this at the top right hand corner of the claim form.

 

Then we can sort out your timeline for you.

 

We will also need you to either scan in your claim form - minus all personal information or type out exactly what it says - the reason they have issued the claim.

 

We also need to know when you entered into the agreement with the Co-op and when you made the last payment to the account before you stopped paying.

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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When you have provided the information requested above - we can then sort out a letter for you to send to obtain all the information you require.

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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LOWELL PORTFOLIO 1LTD NORTHAMPTON CCBC

RE:LOWELL FINANCIAL LIMITED issue date 09 APR 2014

REGISTERED OFFICE

EllINGTON HOUSE

9 SAVANNAH WAY

LEEDS

LS10 1AB

 

BRYAN CARTER

11 DE HALILLAND DRIVE

WEYBRIDGE SURREY

KT13 0PY:

help::help::Cry::help::dizzy::frusty: this is not working !

More to follow,

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Please obscure any identifiable data Wolfgang...claim numbers/ account numbers/ passwords/barcodes.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks andyorch, im trying to type it out but the page keeps jumping about,im on a tablet so I think it's making it worse !! Sorry to be thick , iv taken photo and covered the personal stuff but it's not very clearly when iv uploaded it! Not sure what else to do :???

I'm going to type the particulars shortly

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Part 2 : the particulars

 

This claims for 8741.34 he amount due under n agreement beteew the original creditor and the defendant to provid finance and / or services and/ or goods.

 

This debt was assigned to/ purchased by lowell portfolio 1 ltd on the 08/01/2013 nd notice seved pursuant to the law of property act 1925.

 

particulars

Re: Co-operative Bank

A/C no : 00000000000000

 

 

The claimant also claims interest pursuant to See county court act 1984 from 08/01/2013 to date at 8% per annum amounting to 871.31

 

 

The money bit :

Amount claimed 9613.07

court fee. 190.00

solicitor costs 100.00

total amount 9903.07

 

I think iv covered everything in the this and there post that's got claimant and dates on it . Like citizenb, I got the court papers and the letter from bryan carter on the sat day . Issue date 9th April , got them both on sat 12th April please advise, thanks guys

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Okay Wolfy we have the particulars and date now.

 

You have 33 days in total if defending this claim .....19 days from the 9th April to acknowledge service of the claim ....you can do this by registering to use the MCOL service which will provide you with a username..your password is already on the claim form.

 

So you must acknowledge by the 27th April you then have a further 14 days to submit your defence (total 33 days)

 

In the meantime you can request a copy of the agreement using the following...follow the instructions provided in the templates:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

And you can request anything refered to within their particulars using this :-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued.

 

Send the above out today recorded delivery ...print your name no signatures and include a £1 Postal Order for the first one (section 77)

 

That is all you have to do at this stage but keep your eye on the dates I have provided above.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy, Thank you for that, iv just been doing the online registration with MCOL. What happens if I contest the jurisdiction which is on step 3 , after iv tick I dispute the full amount, is this refering to it been in Northampton .

Thanks wolfy

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You dont tick contest jurisdiction just acknowledge service for now .. then come out.

We could do with some help from you.

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Just send them to the solicitor named on the summons.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 2 weeks later...

Hi Andy, I've had a reply from Bryan Carter . 1st saying that's it's on hold till he gets instructions from lowell then a 2nd on same day with lowell. now this says " we confirm protocol was followed when issuing the Northampton court bulk centre . direction 77 point 1.4 (3a) eliminates the requirement to attach the documents to the particulars of the claim when they are issued by the court.

They confim my Acknowledgement

They confirm they client is not agreeable to an extent on for filling a defence

Please respond to the claim using the response pack from the court by the deadline to avoid default judgment .

 

No mention of the77/78 consumer credit act. What do I do for the defence.

Looking forward to your response

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13 days remaining to prepare and submit your defence...take a look at other threads with the same claimants and similar particulars and their defences that I have already drafted...then edit to suit and post here for checking.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi, im really struggling to find the right response to the letter from Bryan carter that doesn't mention the 77/78 request, it's now well past the 12+2 date, it was signed for on the 16th April.

The only letter says that they provide everything they needed to to the court before the issuing the claim,this is courts protocol.

I'm not sure how to put my defence , iv read lots of other threads but not found what I should put. Iv only 5 days to put the defence in now, please help.

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Hi Wolfy

 

There is no requirement to respond to his letter you have made the requests he has declined...he is in default.

If you type into the search bar above (top right under the CAG logo) Lowell you will find plenty of threads which include defences that I have already drafted...find one that matches a loan and edit to suit.

 

Post your drfat here to be checked.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Thank you very much for your speady response Andy, it's much appreciated. I will have a look now .

I can't help but feel I need to do more! What happens after the defence is submitted, do the court decide if they've enought go further or should I prepare my self for the ordeal of going to court.

 

Kind regards

 

Wolfy

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A well drafted defence can halt the claim in its tracks should the claimant not wish to proceed...so concentrate on that rather than what happens after for now.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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No one at the Court will spend any time reading your Defence. It will be served to the Claimant by the Court and he then has 28 days to notify the Court if he wishes to proceed. If he does not respond within that said time, then his claim will be stayed.

 

 

However, as said by Andy, concentrate on drafting a proper Defence to the matters set out in Claimant's statement of case (his POC's as written on the claim form).

 

 

Did the Claimant (creditor) serve a valid statutory default notice on you pursuant to s.87(1) CCA 1974 (as amended) before he commenced with this claim against you?

 

 

Kind regards

 

 

The Mould

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Hi The Mould,Thanks for that iv been trying to put this together over the last few hours,looking at all other threads.

 

a valid statutory default notice on pursuant to s.87 (1)CCA1974 ???? Dont think so, lots of the usuals threat o grams. iv never had defaulft from BC/lowells is that what you mean

 

regards

Wolfy

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