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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 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).  2.2  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).   2.3        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.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, 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.   3.2  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   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        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.   4.3 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.   4.4        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 parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    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 different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  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.  7.5 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 practice 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 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 recoverabl15e 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...''  7.7 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.  7.8        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.   7.9        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.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • 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).
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BW/Lowell claimform - old CapitalOne 'debt'***Claim Discontinued***


bgizzle
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Hello All,

 

I need some advice on how to proceed. I will seek to outline as much as I can below

 

In July 2008 I fell into financial difficulty when I lost an IT contract and struggled to pay all my bills including my credit card bill with Capital One.

 

 

I thought no big problem here,

 

 

I have PPI and will claim... Big Mistake.

 

 

They didn't pay out as PPI wasn't for people in my situation i.e Self-employed.

 

 

Suffice to say the account went into default in Nov 2008 for £680.

 

 

I commenced my pursuit to get

i.)the default removed

ii.) PPI repaid for mis-selling.

 

Capital One ignored me for years even and sold debt to Lowell in Jan 2011.

I never acknowledged debt with Lowell instead directed them to CO as an account in dispute.

 

 

In 2013 CO admitted misselling and refunded PPI payments to the tune of £340 and promised to notify Lowell accordingly.

 

I didn't hear from Lowell until recently when BW Legal contacted me to say they intended to initiate legal proceedings.

 

 

I have today received a N1CPC claim form from the County Court in Northampton for £384 (Court Fees - £35, Solicitor's cost £50) totalling £469.82.

 

I do not want a CCJ on my file as I'm trying to rebuild my life and I don't believe I BW legal or Lowell are acting within the law.

 

What options are available to me?

 

 

I feel like this is Blackmail just as the account is about to become statute barred.

 

Many Thanks

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Hi bgizzle and welcome to CAG

 

If you could read and complete the following posting your responses here and we can advise accordingly...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**(1-Viewing)-nbsp

 

Regards

 

Andy

We could do with some help from you.

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Thank You andyorch for swift response.

 

Name of the Claimant ? Lowell Portfolio 1 Ltd

Date of issue – 29 SEP 2014 top right hand corner of the claim form – this in order to establish the time line you need to adhere to.

 

Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge)

= XX + 14 days to submit defence = XX (33 days in total)

 

 

- 17 OCT 2014 + 14 = 31 OCT 2014

 

 

What is the claim for – the reason they have issued the claim?

Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down.

 

The Claimants claim is for the Sum of 384.82

being monies due from the defendant to the claimant

under a financial services agreement regulated by the Consumer Credit Act 1974

between the defendant and Capital One (Europe) PLC

under account XXXXX and assigned to the claimant on 03/02/2011

notice of which has been given to the defendant.

The defendant failed to maintain the contractual payment under the terms of the agreement

and a default notice has been served and not complied with.

The claim also includes statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum

(a daily rate of 0.08 from the date of assignment of the agreement to the date of issue () being 29.28

 

What is the value of the claim? 384.82

Is the claim for a current or credit/loan account or mobile phone account? Credit account

When did you enter into the original agreement before or after 2007? before 2007

Has the claim been issued by the original creditor or was the account assigned

and it is the Debt purchaser who has issued the claim. Debt Purchaser issued claim

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

Did you receive a Default Notice from the original creditor? Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments:- Financial difficulties

 

Was there a dispute with the original creditor that remains unresolved?

Yes Partially resolved. Original creditor admits PPI was missold but appears not to have removed default from Credit file as requested.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes

I hope this information is sufficient?

Edited by bgizzle
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As per the advice on the link provided I have also drafted a CPR31.14 request.

 

 

I am also responding to the court to defend all of this claim by submission of N9B (CPC) form within the next 24hrours.

 

 

Do I need to take any additional action at this time or wait for responses from BW/Lowell?

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Are you sending a section 77/78 request also for the agreement ? Is this a Personal Loan or Credit Card?

 

With regards to acknowledgement I would advocate using MCOL and completing everything on line.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy,

 

This is for a credit card. I wasn't initially planning to send a section 77/78 request as I already requested for the agreement within the CPR31.14.

 

 

Have I misunderstood the purpose of both requests?

 

I have registered for MCOL and will be using that.

 

Are you sending a section 77/78 request also for the agreement ? Is this a Personal Loan or Credit Card?

 

With regards to acknowledgement I would advocate using MCOL and completing everything on line.

 

Regards

 

Andy

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they can in all effect, asdetailed in several threads here

ignore your CPR

 

 

they however cannot ignore a CCA request

 

 

you must send one

 

 

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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  • 3 weeks later...

I heard back from BW. They have asked their client to provide the requested info in CCA within 12 working days.

 

 

That has now run its course and

 

 

i've not heard anything back from them.

 

 

What is my next course of action?

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Keep your eye on your defence date and take a read of other threads/defences in preperation.

 

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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Most of the threads surrounding yours...who are in front of you in the process and the ones in the Success forum.

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

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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Responding to your PM

 

There are few points that need clarification first before you can finalise your defence bgizzle ...firstly.....

 

What was the date of your last payment to the account..? you state it was defaulted Nov 2008.

 

The second is with regards to the PPI refund...was the balance reduced by said amount of £340 ? Is the claim amount of £384 correct?

 

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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Do you know the date the default was placed on your CRA files ? and is it still showing?

We could do with some help from you.

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Do you have access to Experian ?

We could do with some help from you.

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Okay I suppose you know where Im going with this.

 

 

..I would be tempted to submit a Statute Barred defence..

 

 

.but lets see if you can get that information in time for the defence which is due on the 31st October before 4.00pm.

 

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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Andy.

 

 

Still haven't received the statutory report as requested

 

 

registered for the Credit Expert online service from experian.

 

 

The Credit Expert service wasn't as good as I expected as there was a lot of stuff missing from my file which were on my equifax and Checkmyfile.

 

 

The CR from experian did however have a Lowell entry which hasn't been updated since May 2013

and which the Experian support centre inform me is due to be removed on 10th Nov 2014.

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Okay I suppose you know where Im going with this.

 

 

..I would be tempted to submit a Statute Barred defence..

 

 

.but lets see if you can get that information in time for the defence which is due on the 31st October before 4.00pm.

 

Regards

 

Andy

 

Is there a SB template I can use?

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You state that you did receive a default notice for this debt...what date was on the default notice?

We could do with some help from you.

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Okay here is the Statute Barred defence......dont submit just yet.....

 

 

 

1 The Claimant's claim was issued on (insert date).

 

2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the Limitation Act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

 

3 The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.

We could do with some help from you.

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I have been in contact with Cap 1 who inform me that the default notice was dated 8th October 2008 and default entered on 10th Nov 2008. They also confirmed the last payment they received from myself was on 15th July 2008. I hope this helps?

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