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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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Motormile providing questionable documents


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Just come off the phone to the student loans company,

 

who at best I can say aren't best impressed..

 

. Iv also emailed motormile today,

to the ever so normally chatty point of contact

who suddenly has developed a case of forgetting how to type a reply regarding

 

how they use an sms in court.

 

I would be interested to see their reply if I was to ring them and advise I was coming round unannounced to discuss the alleged debts.

 

Il call myself Mike, and tell them I will assess their living standards.

 

Lets see if they quote the law on not being able to do that,

 

seen as though they seem quite happy to flaunt this very law when the shoes on the other foot.

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Just come off the phone to the student loans company, who at best I can say aren't best impressed... Iv also emailed motormile today, to the ever so normally chatty point of contact who suddenly has developed a case of forgetting how to type a reply regarding how they use an sms in court. I would be interested to see their reply if I was to ring them and advise I was coming round unannounced to discuss the alleged debts. Il call myself Mike, and tell them I will assess their living standards. Lets see if they quote the law on not being able to do that, seen as though they seem quite happy to flaunt this very law when the shoes on the other foot.

 

 

MMF get more crass and idiotic every minute.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Brig,

 

Your letter appears to have disappeared on here..

 

Anywhoo, sent to the MMF CEO as well as the FCA and SLC copied in for good measure. Lets see if we can get somewhere.

 

Yes it has been unapproved as inappropriate for CAG I am sorry to say.

 

You need to be careful about including defamatory remarks in your written correspondence with companies.

 

It is better for people to have a go at composing their own letters and then posting them for comment.

 

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I had a read reciept from the CEO of MMF.

 

To:

Subject: Formal Complaint

Sent: 12 August 2014 21:21:57 (UTC) Monrovia, Reykjavik

 

was read on 12 August 2014 21:22:05 (UTC) Monrovia, Reykjavik.

 

It would seem he is out of the country at the moment, I do hope something gets sorted.

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Ah, I did wonder about the opening remarks in the letter. That was removed, and my own spin on things added.

 

I guess it depends on "The Spin".

 

A formal complaint should ideally be composed to explain (briefly) what has happened, what you are unhappy about and ask questions as to what you want done about it and and explanation as to why these things happened.

 

You should certainly not be including written allegations of falsification of documents unless you have 100% concrete proof that this is the case.

 

This then puts the onus on the business to respond.

 

If they fail to respond to the points/questions raised then that opens the door for you to raise a complaint with fos who will look at the matter on an individual basis and to deal with your case as a stand alone matter.

 

There are several courses of action fos can take against a business and a read of the fos website cases will give you an insight into what they can do.

 

A complaint to the FCA is extremely unlikely to result in anything being done on an individual case but they may add your complaint to others against the same firm so that they get an overall picture as to how a business is operating and take action if they feel it appropriate.

 

Although it has been seen that the FCA do take action against financial businesses, it is a slow process but for a case to be dealt with on an individual basis then fos is your port of call if you don't get satisfactory responses from the business concerned.

 

In summary, the beauty of asking questions and requesting explanations in a formal complaint is that the business is bound by regulatory complaints procedures to respond to the issues raised. Failure to do so opens the doors to other channels of complaint. All of this results in a paper trail of the conduct of the business concerned so their behaviour is evidenced in writing.

 

Dealing with things like this on the phone is not an ideal medium to be using unless you have the facility to record the calls.

 

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Ah, I did wonder about the opening remarks in the letter. That was removed, and my own spin on things added.

Thanks for the PM Allen!

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I sent my official complaint to the CEO of MMF Last night. I also copied in the FCA. Today the FCA, amongst other things have added this to their reply.

 

With regards to firms contacting customers regarding consumer credit business (including debt collection), the FCA’s Consumer Credit Sourcebook (CONC) Chapter 7.9.4, states

 

“a firm must not contact customers at unreasonable times and must pay due regard to the reasonable requests of customers (for example, customers who work in a shift pattern) in respect of when, where and how they may be contacted”.

 

Therefore, I can inform you that the information in your email has been passed to the Supervision Team responsible for the conduct of this firm within the FCA. How they follow up information received depends upon the risks posed to our objectives, the quality of the evidence and the seriousness of the accusations.

 

Lets hope we get somewhere.

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I sent my official complaint to the CEO of MMF Last night. I also copied in the FCA. Today the FCA, amongst other things have added this to their reply.

 

With regards to firms contacting customers regarding consumer credit business (including debt collection), the FCA’s Consumer Credit Sourcebook (CONC) Chapter 7.9.4, states

 

“a firm must not contact customers at unreasonable times and must pay due regard to the reasonable requests of customers (for example, customers who work in a shift pattern) in respect of when, where and how they may be contacted”.

 

Therefore, I can inform you that the information in your email has been passed to the Supervision Team responsible for the conduct of this firm within the FCA. How they follow up information received depends upon the risks posed to our objectives, the quality of the evidence and the seriousness of the accusations.

 

Lets hope we get somewhere.

 

 

 

Hi Allen,

 

 

That I think proves that we can make an impression on the regulator, it certainly shows that those who decry making complaints to the FCA as Pointless" are completely Wrong.

 

 

I would urge everyone being harassed by MMF to get those complaints with supporting evidence in the post NOW!!!!

 

 

Let's stop " worrying about what MMF might not like", does it matter if they don't like criticism on an open forum in my opinion it matters not one iota!!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I Have directed the FCA to this and other forums to show them the problems aren't isolated.

They would do well to take a look in my opinion!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Brig... Allen... I'm already there with my issues!! FCA bound they are...

 

Why do I feel like the FCA might actually do rather well against these outfits?

 

Also Allen, I'd like to make an apology, I didn't realize that them putting forward dates for NOA was out of order... I looked at the dates and thought they were fine...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

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Brig... Allen... I'm already there with my issues!! FCA bound they are...

 

Why do I feel like the FCA might actually do rather well against these outfits?

 

Also Allen, I'd like to make an apology, I didn't realise that them pitting forward dates for NOA was put of order... I looked at the dates and thought they were fine...

 

 

It does seem that the FCA is keeping to the promises made at its inception, let's hope it follows through!!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well, an interesting email from MMF today. Asking me to send screenshots over email of my credit report! ERM I dont think so! Giving them more access to my personal information?

 

This is in relation to them putting a default on my credit file for a student loan. I never had a student loan. I explained to them that this is fraudulent, their reply, "can you explain why you think this is illegal ?"

 

I'm thinking of sending a reply, but this has come via email, AFTER the letter was set asking for written communication via royal mail only. Can you believe them!

 

Good afternoon.

 

In order for me to assess the situation in an amicable manner please may you forward me a screen shot of your credit report. Please explain why you believe the default to be illegal, also.

 

Once I have established which of your accounts is marked as a Student Loan I shall update it accordingly.

 

Yes motor mile, Il do your job for you shall I! You shouldn't have done it in the first place. Then have the cheek to ask me to see a copy of my credit file.

 

I have contacted the FCA yet again about this further correspondence. Still, makes a change to not have MIKE phoning me.

 

Maybe I should just email them this

 

http://www.experian.co.uk/consumer/faq/R1.html#q491e

Edited by allen169
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Why do they need screenshots if they have access to your file already?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Why do they need screenshots if they have access to your file already?

 

Thats exactly what I wondered, then I thought.

 

Do MMF have access to peoples files. Is it the original creditor that places the default in Motormiles name as soon as they sell it on. Possibly why they email or make up a notice of assignment with made up dates (as in my case)

 

Hell will freeze over before I send anyone a screenshot of my personal details. I could always send a photo of a nice evening sunset, might brighten up their day!

 

The default was for a student loan, the student loans company have no recollection of this. Cant MMF see that you cant just plonk a random default on a credit file, allegedly acting on behalf of the student loans company.

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MMF can still update the file as needed, so they do have access. However, as a compromise, you could provide them with a redacted screenshot that shows the reference number, name etc. Just only send the entry. Not anything else on the form.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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MMF can still update the file as needed, so they do have access. However, as a compromise, you could provide them with a redacted screenshot that shows the reference number, name etc. Just only send the entry. Not anything else on the form.

 

That would make life easy for them. I don't get paid to 'collect debts' or harass vulnerable people for money. That's their job, so surely they are responsible to rectify the issue using their own access, After all, they placed the default so they should easily be able to find it.

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Simple reply never had a student loan so remove entry immediately complain to ICO sent today.

 

 

No further correspondence will be entered into and I consider the matter closed.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Reply and complaint sent...

 

But thanks to Motormile Iv had a good check of my credit file. Can someone explain how this is possible. One of their defaults is for an account started on the 7/12/2011 with a default date of 14/12/2011. How is that possible? Those dates are incorrect.

 

Another one of the defaults from them. Account started 1/03/2011 and default date showing as 25/03/2011.

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You need to challenge them. As stated on multiple threads, MMF are huge fans of adding incorrect info and hoping nobody notices. They are already on what is basically a final warning from the FCA so report them. They likely think that because they are on a final warning, they may as well go all out and get as much money as possible before they get closed down.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Reply and complaint sent...

 

But thanks to Motormile Iv had a good check of my credit file. Can someone explain how this is possible. One of their defaults is for an account started on the 7/12/2011 with a default date of 14/12/2011. How is that possible? Those dates are incorrect.

 

Another one of the defaults from them. Account started 1/03/2011 and default date showing as 25/03/2011.

 

 

There is more than a little going wrong here this type of CRA is coming up on a daily basis.

 

 

Put notices of dispute on ALL the CRA files citing "incorrect" data entry, Can say they have been fiddling can we!!!

 

 

If you can phone the original creditors to see if they will divulge the correct date.

 

 

The more of these I see the more it points to collusion between creditor and debt purchaser.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Todays latest correspondence from MMF. Apparently they don't issue default notices.....

 

As advised, I require a screenshot of the mark we have left on your credit file so that I am able to assess it before requesting any change of information.

 

 

 

From what I can gather, it has been incorrectly marked as a student loan when, in actual fact, we do not deal with any student loans.

 

 

 

The Notice of Default is to be sent by the original lender, not ourselves.

 

 

 

Kind regards

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