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    • 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) 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). 4.2  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).  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 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.  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. 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 a different post code, the PCN shows HA4 0EY while the 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.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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MKDP Credit Report Entry


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yea there you go then...

 

its welcome staff.

 

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 have spoken with welcome(FSCS) this morning and

 

they too cannot see where the £370 was credited back on loan 2

 

so they are logging it on there system as a complaint,

 

i will receive a letter confirming that shortly,

 

MKDP still own the loan and

 

what has happened is they have sent a letter to MDKP offsetting the amount they come up with as PPI calculation,

 

however it will no have to be done again as its wrong and should have included the £370 in the calculation.

 

As for the unfair charges, even though I have a signed for on royal mail it is not in the system and they are saying they have lost it.

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you need to question the FSCS authority to offset

to a debt buyer

 

the FOS website specifically details offsetting

nowhere does it say a reclaim can be paid to a debt buyer.

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 have sent a message to the real FSCS not the Welcome Employed FSCS regarding this, I will let you know. Its all dodgy.

 

What do I do about the Unfair charges I sent off and they saying they haven't got it even though I have a signed for proof?

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good work

 

that's welcome for you/

 

you could resend it I suppose but as its already signed for that incredible!!

 

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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Yeah, I have a log of everything not one detail missing.

 

I still don't trust them logging it on the system, I will be writing a formal letter to them signed for too.

 

It gets me how the FSCS can trust them to handle there own complaints, sounds like a right stitch up to me.

 

Is there any course of action for reclaiming Personal Accident Care and Life Care 24? This was added same as PPI?

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ah you should have lumped that in too

 

its all the same

 

even GAP/mechanical breakdowm/MIF/shortfall

 

whatever extras welcome added were simply insurance direct to their pocket

 

and they went bust

 

well, the directors ran off with everything.

 

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'd rehash the old claim

 

it should all be as one lump sum?

 

 

without gong back

 

is it listed on the statements payments sep from PPI

I expect its lumped I already?

 

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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Yeah the original PPI was calculated at £585.21 with Lifecare 24 and Personal Accident Plan it totals £955.21 without interest.

 

I have mentioned it in my dispute calculations letter as well as the the missing £376 and also the fact about the offsetting when the loan has been so called sold.

 

Posting in the morning.

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from pat thread shere

 

when the FSCS get involved

 

ALL the insurance are normally or should be refunded

 

their remit is to put you back in the financial position 'as if'

any of the extras were never taken

then they calculate 90% of that figure

 

me thinks the FSCS are not keeping the thumb on welcome staff.

 

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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Yeah I agree, thats certainly the impression I get I think they are just trying it on.

 

The whole setup of the FSCS and Welcome just seems wrong to me and not impartial.

 

Thats why I wrote the real FSCS an email this afternoon. I might actually give them a call too.

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  • 2 weeks later...

Hi,

 

Just an update on where we are with this.

 

I have received the CCA back from MKDP and looks correct but only for the refinanced loan which I guess is correct.

 

Now for the Welcome Side and the FSCS.

 

After contacting the 'Real' FSCS I am now in contact with someone directly who is looking into all this for me and have 3 seperate complaints he is 'overseeing'

 

1. Shortfall on the PPI calculation.

2. Offset issue as the loan was sold to MKDP.

3. The other 2 non-PPI insurance policies.(Lifecare 24 and Personal Accident Plan)

 

He has also re-assured me Welcome have now received the 'unfair' charges complaint.

 

So I now have another 4 complaints on the go :-o

 

Just wondering what MKDP's next move might be???

 

Will keep everyone updated.

 

Thanks

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Yet another update.

 

I have had a response regarding the shortfall from the FSCS and the offset issue.

 

They are saying that welcome claim they evidence that it was applied to the account so no adjustment will be made as they can only go on what figures welcome give them.

 

However they said that welcome have to provide evidence that this has was done. So I phoned Welcome and they are saying that they no longer have the evidence so I have another complaint going regarding this.

 

As for the offset issue the loan was transferred for collection to 'mkdp' by way of 'interest' whatever that means? The debt is still owned by welcome.

 

What a complete and utter mess.

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oh tying themselves up in knots here

 

the FSCS wont keep participating in this charade for long

and decide in your favour me thinks.

 

 

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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Not according to the FSCS unfortunately

 

As I confirmed to you yesterday, if you believe the figures are incorrect you will need to pursue the issue with Welcome. We are entitled to rely on the figures they have given us. I am sorry that FSCS will not be able to pursue this matter on your behalf. I will also make Welcome aware of your issue.
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Yet another update.

 

I have had a response regarding the shortfall from the FSCS and the offset issue.

 

They are saying that welcome claim they evidence that it was applied to the account so no adjustment will be made as they can only go on what figures welcome give them.

 

However they said that welcome have to provide evidence that this has was done. So I phoned Welcome and they are saying that they no longer have the evidence so I have another complaint going regarding this.

 

As for the offset issue the loan was transferred for collection to 'mkdp' by way of 'interest' whatever that means? The debt is still owned by welcome.

 

What a complete and utter mess.

 

 

Sounds like a " profit sharing deal" you spoof the poor bugger into paying and we'll share the proceeds.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 2 weeks later...

while my complaints are being investigated by Welcome and FSCS

 

 

I am receiving letters from MKDP regarding getting into contact with them to sort a payment out!

 

How do I proceed with them at this stage?

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send them a copy of one of the FSCS letters

that basically states your 'debt' is being investigated

and as such remains in dispute.

regarding the outstanding bal

 

 

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... 

Link to post
Share on other sites

so MKDP have never replied to the CCA request?

 

 

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... 

Link to post
Share on other sites

sri for not looking back

am out at present.

 

 

so the only thing you've sent to MKDP is a CCA request

 

 

and basically since MKDP came on the scene some years previous

all they ever sent you is a series of threat-o-grams

 

 

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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