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    • Household budgets have come under pressure as prices soared in the wake of the pandemic.View the full article
    • Please see my witness statement below.  Please let me know what modifications I need to apply.  I haven't included anything related to "administrative charge while paying by credit or debit card" as I wasn't sure if I should include since sign says "it may apply"   Background  1.1 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.    Contract  2.1 No Locus Standi, 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 PoFA (Protection of Freedoms Act) 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.  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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        I also do not believe the claimant possesses these documents.    Unfair PCN  4.1         As stipulated in Exhibit 1 (Pages 7-13) sent by DCB Legal following the defendant’s CPR request the signage displayed in their evidence clearly shows £60.00 parking charge notice and will be reduced to £30 if paid within 14 days of issue. The defendant puts it to the claimant a request for strict proof when the signage changed to show £100.00 parking charge as the evidence provided by DCB Legal stipulated £60.00 parking charge was indeed the parking charge at the time defendant parked and included in Exhibit 1   4.3        The Claimant did not respect PAPLOC   4.4        It is also unfair to delay litigation for so long and claim nearly four years' interest.    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 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;      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.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.    Double Recovery  7.1        As well as the original £100 parking charge and £50 allowed court/legal costs, the Claimant seeks recovery of an additional £70.  7.2        PoFA Schedule 4, paragraph 4(5) states that “the maximum sum which may be recovered from the keeper is the amount specified in the notice to keeper”. Which in this case is £100.  7.3        The Parking (Code of Practice) Act 2019 is also quite clear that the maximum amount recoverable is £100.  Government ministers and government web pages explaining the Act refer to extra charges as "a rip off".  7.4        Unless the Claimant can clearly demonstrate how these alleged additional costs have been incurred this would appear to be an attempt at double recovery.  7.5        Previous parking charge cases have found that the parking charge itself is at a level to include the costs of recovery i.e. Parking Eye Ltd vs Beavis (2015) UKSC 67 which is the authority for recovery of the parking charge itself and no more, since the sum £85 was held to already incorporate the costs of an automated private parking business model and the Supreme Court Judges held that a parking firm not in possession cannot plead any part of their case in damages. It is indisputable that an alleged “parking charge” penalty is a sum which the Supreme Court found is already inflated to more than comfortably cover all costs. The case provides a finding of fact by way of precedent, that the £85 (or up to a Trade Body ceiling of £100 depending on the parking firm) covers the costs of all the letters. 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.”  7.6        In Claim numbers F0DP806M and F0DP201T, Britannia vs Crosby the courts went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of Wight & Wiltshire. District Judge Taylor echoed earlier General Judgement 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 judgement in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for a addi8onal 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        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).  7.9        The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the CPRs, the Beavis case, the PoFA AND THE CRA 2015, and that relief from sanctions should be refused.    In Conclusion  8.1        I believe the Claimant has got use to intimidation tactics and has got greedy. I believe the truth of the manor is the Claimant has used bullying tactics successfully for too long and is therefore assured that innocent drivers will fall into the trap of paying rather than going through the hours it takes to defend themselves. In the process, wasting the time of the Court, the time of the Defendant and everyone else who has advised the Defendant, out of sheer decency to help have a fair hearing and see justice delivered.  8.2        I am still in disbelief that I am being heard in this court, defending myself nearly 4 years after receiving a charge through my door. I have had to spend weeks’ worth of my life studying the letter of the law in order to defend myself from this ridiculous attempt at a swindle.  8.3        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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Lloyds TSB debt 1st Crud issue claim***Settled by Tomlin Order***


t_harv
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I've had a similar letter come through from Northampton CC with the Claimant 1st Credit Ltd chasing an old Lloyds Bank debt which was sold to 1st Credit at the end of last year. I've not replied to their letters but tentative now due to the claim form now on my doorstep. Wondering whether to do similar as UK_Guy99 did and go straight to 1st credit asking to be put aside providing we agree a payment plan?

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Hi t_harv and welcome to CAG

 

I would suggest you start your own thread rather than tag onto one that's almost 12 months old on which UK_Guy never bothered to conclude.

 

Regards

 

Andy

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Hello, t_harv,and welcome to CAG! :-)

 

You'll need to start your own thread giving specific details of your debt, the date the account was opened, last payment you made, etc.

 

I think you should call it Claim from Northampton CC - Old Lloyds Debt - 1st Credit.

 

When did you receive the claim form?

 

If you post a link here we'll come to your thread to help you.

 

DD

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Hello to all those on CAG, hopefully someone much wiser than me can find me a solution!

 

I currently have four defaults on my credit file, one of which was placed by Lloyds TSB for an overdraft of just over 1XXX.XX in June 2011. The outstanding balance was since assigned to 1st Credit late last year and my credit file has another default showing under 1st Credit for the amount and 'Settled' under Lloyds TSB. I presume the latter will lob off soon enough (hopefully).

 

As I normally bury my head in sand once I receive paperwork, I've since ignored any letters from 1st finance for any payment agreements as their reputation via inspection online precedes them. The account was then 'passed on' to Connaught Collections who 'appointed' Moon Beever solicitors.

 

I today received a Claim form from Northampton CBCC stating the Claimant (1st Credit) claims the sum for debt and interest (interest being 8% per annum from when Lloyds assigned my account to 1st Credit last year). The Issue Date is 17 Apr 2014 and all payments must go to Moon Beever.

 

I would much prefer the CCJ not to stand as the 6 year cycle would restart following the issues of default almost three years ago. I presume I have to acknowledge receipt of the claim via online - just unsure of now the best process to avoid a CCJ.

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We could do with some help from you.

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1ST CREDIT (Finance) Limited - Date of issue – 17 APR 2014

 

POC - The Claimant claims the sum of 1XXX.XX for debt and interest. The Defendant from xx.xx.2008 held an account with Lloyds Bank Plc and it was assigned account number XXXXXXXXXXXXXXX. Lloyds Bank Plc granted Defendant an overdraft facility. Lloyds Bank plc demanded repayment of the outstanding sum on the account at that time. The account was in default on xx.xx.2011 and the outstanding balance was 1XXX.XX.

On xx.xx.2013 the debt was assigned to 1st Credit (Finance) Limited in the sum of 1XXX.XX

Notices of Assignment were sent to the Defendant in accordance with S. 136 Law of Property Act 1925.

AND THE CLAIMANT CLAIMS

1. The sum of 1XXX.XX

2. Statutory interest persuant to Section 69 of the County Court Act at a rate of 8% per annum from xx.xx.2013 to xx.xx.2014 xx.xx and thereafter at a daily rate of 0.29 until Judgement or sooner payment.

 

It is the debt issuer who issues the claim and I did receive a Notice of Assignment. I need to check whether the Default Notice was issued by the original creditor (most likely yes). I have no recollection of annual “Notice of Default sums”. I stopped paying the original creditor due to me leaving work to go into further education. There were no disputes or DMP plans entered.

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Thanks for your reply Daniella. I shall contact the Claimant(?) tomorrow to see if we can come to an amicable agreement. In the meantime, I will start researching into old statements for any unfair charges.

 

With it being an overdraft, there will be no need for a CCA1974 request from myself? Any other information I could start requesting to get the ball rolling?

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Looking at statements, it appears that the balance requested on the claim form is +£150 than the original overdraft limit. I'm not sure what this is made up of, presuming it is unplanned overdraft fees and other fees leading up to the account going into default.

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nothing to stop you acknowledging and defend all for now, once you have all the required info you can always negotiate if all in order. CPR 31.14 request to claimants sols for current ac

Edited by theoldrouge
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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Rang 1st Credit twice to no avail but a person from Connaught rang me back to discuss options. Weird.

 

They stated that I had fourteen days to pay back in full (till tomorrow basically) and the CCJ would not go on my record and the default would remain. If I were to agree a plan, I would have to enter into a judgement. Another thing which confused me was that I could receive another fourteen days to potentially cough up the full amount and the CCJ would not go on record (apologies if I have misinterpreted this, I presume this is paying off the CCJ in a month and it being struck off the register). Basically, they stated the claim via court would not go away if paid in full.

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There is no negotiating with this crew....defend all submit a defence and then force them to negotiate...you must go through the process..... there are no short cuts.

 

Andy

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Cheers for your reply. AOS submitted and now preparing a CPR31.14.

 

Do I also at this point request for the clarification of the amount claimed being larger than the original overdraft?

 

Totally lost on how to determine the unfair charges that lie within the overdraft itself. How do I find and quantify those?

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You will put them to strict proof within your defence.Make sure you use the correct CPR 31.14 Current account request dont worry about quantifying for now.

 

Regards

 

Andy

We could do with some help from you.

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Current account claim and defence in the following.....edit to suit.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?420527-MKDP-HSBC-A-C-all-charges-Claimform-received

 

Regards

 

Andy

We could do with some help from you.

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  • 2 weeks later...

Thanks Andy. I shall edit to suit. To date I've received only an 'on hold' letter from their solicitors following the CPR production, nothing else.

 

Also I'm a bit miffed how just because I have misplaced my MCOL number, I can't re-access the particulars of my claim. There is surely something wrong there. Why claim's aren't assigned to Government Gateway's once the AOS is made, I don't know. I now have to email my defence and check via phone for the decision (I think).

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  • 4 weeks later...

Defence was submitted as per Andy's advice.

 

Received a Notice of Change of Legal Representative on the 3rd June from the Claimant along with two notice of assignments and statements from May 2008 to July 2011. They confirm that the debt is owing.

 

They will waive any charged interest applied to the account from the last payment made (early 2009) and accept a balance plus the Court cost if we agree to settle this out of court.

 

What are my options now? What is advisable?

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Could you post up your final draft of defence t_harv for reference.

We could do with some help from you.

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andyorch - see below:

 

The Defendant disputes the full amount claimed as shown on the claim form.

 

DEFENCE:

 

1. It is admitted that the defendant held an account with Lloyds Bank Plc.

 

2. The defendant denies that the account exceeded the agreed overdraft limit due to overdrawing of funds but is as a result of unfair and extortionate bank charges/penalties being applied to the account.

 

3. The defendant refutes that the claimants claim is owed or payable. The amount claimed is comprised of amongst others default penalties/charges levied on the account for alleged late, missed or over limit payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbey National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety.

 

4. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

The claimant is also put to strict proof to:-.

 

(a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, which this claim is based on.

(b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.

© Provide a breakdown of their excessive charging/fees levied to the account with justification.

(d) Show how the Claimant has reached the amount claimed.

(e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.

(f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.

 

5. On receipt of this claim I requested documentation by way of a CPR 31.14 request, which was received by the Claimant on the 6th of May 2014. The Claimant has failed to comply with this request.

 

By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

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