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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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Fraudster Gains Access To My Credit File via Experian


NickR
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I was contacted on 13th October by Experian who informed me that they suspect an imposter had applied on-line to view my credit file.

 

 

After a long discussion with their helpdesk

I find out that the fraudster answered 2x security questions incorrectly but was still granted access to my full credit file.

 

 

One of these questions was my DOB - REALLY !!!!

 

I can not believe that full access was granted even though something as fundamental as my DOB was wrong !!!

 

This individual has subsequently gone on to apply for credit and purchase items from many telecom suppliers,

some on my account, including EE, Vodafone, Carphone Warehouse and O2.

 

 

My Vodafone bill is currently over £1500, (Normally £16.00).

 

 

Yesterday I was told that Apple Online had delivered £1200 worth of goods to my address

and it was likely intercepted by the culprit before the delivery man made it to my door!!

 

John Lewis is another store where a Credit card has been applied for in my name !!

 

The effort and time involved in resolving this situation is huge, not to mention the stress and worry whilst the criminal aspect of the situation is dealt with.

 

My credit worthiness will no doubt suffer as a result of this

 

Although I can not hold Experian fully responsible for the actions of this "low life", I do feel they are responsible for giving him easy access to my details.

 

What is the point of having security questions in the first place ?????

 

I have sent an email complaint to Experian but heard nothing yet.

 

I would appreciate any advice you can give regarding how best to deal with my stressful situation.

 

Thanks in advance

 

Nick :|

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go inform actionfraud now

 

 

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 suppose that you have had this conversation with Experian's helpdesk on the telephone and without recording it.

 

I would suggest that you get a call recorder and call them again and see if you can get the same admissions recorded.

 

I would also send Experian an SAR immediately and find out what information you can get about this.

 

I'm afraid that I disagree with you I think that you have to hold Experian entirely responsible and I think that you should begin by embarking on an information gathering exercise – I have already laid out the beginning of it. And then when you get all of your evidence then come back here and we will advise you as to what action to take.

 

I shouldn't hang around on this. It is extremely serious.

 

Record all calls. Keep logs and notes of any calls which are made. Try to confirm everything in writing. Every time you speak to somebody about this on the telephone, get a reference number for the phone conversation and also try to give the name of the person you speak to. However, I very seriously think that you should start off by trying to get them to repeat what they have sent you but this time record it all. You won't regret it. It will make things a lot easier. If Experian realise that you are coming for them – they will close up and become defensive

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You will be better off with a truecall http://www.amazon.co.uk/TrueCall-The-Nuisance-Call-Blocker/dp/B002GP7HQM/ref=sr_1_1?ie=UTF8&qid=1413895498&sr=8-1&keywords=truecall - if you can afford it - or an olympus tp8 from Amazon http://www.amazon.co.uk/Olympus-TP-8-Telephone-Pick-Microphone/dp/B007OXMHDE/ref=sr_1_1?ie=UTF8&qid=1413895471&sr=8-1&keywords=tp8 and a small digital recorder.

If you use an Android mobile then download Automatic recorder https://play.google.com/store/apps/details?id=com.appstar.callrecorder which works very well.

If you have an Iphone - then you will need the tp8

 

If you get a truecall - you will need the recording card as well

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BankFodder & dx100uk , Thank you for the quick response.

 

I have already spoken with Action Fraud. I have a case number from my local police.

 

I am off to Maplins to buy a telephone call recorder today.

 

Nick

 

 

Have you checked Equifax and Call Credit for any transactions?

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

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I have spoken with Equifax who have confirmed the many searches that have been carried out by mobile phone companies etc but they themselves were not duped into giving my credit file to anyone.

 

I guess there was no need, seeing as Experian gave the details up so easily.

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Hi

 

Please also report this to the Information Commissioners Office (ICO) the actions of Experian.

 

http://ico.org.uk/

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Hi NickR,

 

If you'd like any help from me with the Vodafone side of things, email me with your details via the Contact us form here and quote the code WRT135 - CAG Forum in the subject line.

 

Once sent, you'll receive an automated reply with a reference number. Post back with this and I’ll check I've received it.

 

Kind regards,

 

Lee

 

Social Media Comms

 

Vodafone UK

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I sent a complaint to Experian on 18th Oct by email. (10 Days Ago) I've heard nothing from them, not even an acknowledgement !!!

 

I called the Experian fraud department and they told me all the facts about the application including which 3 security questions were answered incorrectly. The customer service guy was very surprised that the fraudster had been granted full access but could not tell me why. As suggested by BankFodder I recorded the conversation :lol: The Fraud dept confirmed that the complaints team had received my complaint and were looking into things. When I asked how long things would take, he said "oh give it a few more days" !!

 

The situation has got worse with products being purchased on credit and apparently intercepted before they were delivered to my address (£1200), also another 2 phone lines and handsets along with a suspicious letter from Lloyds Bank. (I'm not a Lloyds customer)

 

What can I do now to encourage Experian to take the situation seriously. I've had to spend time off work dealing with all this.

 

Thanks again in advance for your advice.

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Sorry - I'm away at the mo and just using a phone

I'll try to respond later.

Well done on the recording

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Almost 2 weeks and still no acknowledgement from Experian. I have contacted the Information Commissioners Office.

 

The Police are dealing with things slowly and thoroughly.

 

I am shocked with Experian's lack of effort to make right their mistake.

 

I feel that I should be compensated for the effort I am having to make in order to stop these fraudulent transactions. I'd also like to publicise the fact that our personal records are not as safe as Credit Agencies would like us to think.

 

Any ideas on a next move ???:x

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Almost 2 weeks and still no acknowledgement from Experian. I have contacted the Information Commissioners Office.

 

The Police are dealing with things slowly and thoroughly.

 

I am shocked with Experian's lack of effort to make right their mistake.

 

I feel that I should be compensated for the effort I am having to make in order to stop these fraudulent transactions. I'd also like to publicise the fact that our personal records are not as safe as Credit Agencies would like us to think.

 

Any ideas on a next move ???:x

 

 

 

 

An investigation such as this will take time 10 -14 days is not a reasonable time scale in which to expect results if the matter is to be investigated properly.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I Have been contacted by Experian who have upheld my complaint and sent me their "final response".

 

The email is clearly a standard response with many incorrectly placed characters (?)

 

They explain how their security process is as robust as possible but unfortunately on this occasion it was breached. They only mention one incorrectly answered security question, however I have a recorded telephone conversation admitting there were 3.

 

They have offered me one years free membership which under the circumstances I find both inconsiderate and inadequate. No mention of how they intend to repair my credit file.

 

I would like to pursue more appropriate compensation and action but would appreciate some opinions and advice first.

 

Nick

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Well done on all of your results so far. Looks as if everything is going your way.

 

Don't be surprised at the response from Experian. They are more contemptuous and more arrogant than the banks. They are not used to being called to task – whereas the banks have had several years of it now.

 

Also, Experian is not customer facing. There customers are the finance industry. You are simply one of their resources – meaning your personal data. They get hold of your personal data whether you like it or not and then they do what they like with it. They don't need to care about you and you can see that they don't.

 

Their offer is absolutely insolent and you are right to reject it.

 

Their breach is extremely serious. To say that there security procedures are as robust as possible is clearly untrue. To hand out your details to somebody who doesn't even get your date of birth correct is not an example of maximum security. It is an example of incompetence and negligence.

 

At the very least, there are data protection breaches here. Section 14 of the Data Protection Act allows you to claim for any distress caused to you or your family. This is in addition to recovering compensation for any actual losses.

 

Furthermore, is it really clear yet how much damage has been caused? Are any other fraud being perpetrated in your name? Have any of these companies now put you down on their own databases as a suspicious or a fraudulent character? Experian will hardly be aware of how much damage this is done to you.

 

I think you should be contemplating a data protection claim in the County Court under the small claims procedure. I would say there would be no harm in claiming about £1000 on the basis of what you have said so far – although I think it would be a good idea now to prepare a very careful bullet point did statement of everything that has happened and what it has taken you to undo the damage or to protect yourself so far.

 

You need to make sure that the statement is detailed but moderate and can be justified if you are questioned about it. Your statement should include references to any stress or distress that you have suffered – or stressed or distress that anyone else that you are connected with – meaning your family – have suffered also.

 

Once you have done that, we can have a look at it and we can see what a reasonable claim should be.

 

Experian is loaded with money and they don't care. What they won't want is to see this matter go into a County Court and they won't want to see it become the subject of a news article – which it certainly will do once the matter is finished. Because of this, I think that they are likely to try and bully you as much as possible but in the end they are most unlikely to go to court because a judgement on this matter would be a judgement about the quality of their core activity and also you would then go on to send a copy of the judgement to the information Commissioner and also to the FCA. My guess is that they would try to bluff it out to the edge and then finally pay up. I expect that they would try to sign you into a confidentiality agreement – which I would recommend that you refuse unless they pay an additional sum. We will advise you all the way through.

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Incidentally, I hope you have got the sound recordings held securely and properly backed up. If they are simply sitting on the memory card of a mobile phone then you are really risking your position. You need to keep at least a couple of copies on different computers.

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They have offered me one years free membership which under the circumstances I find both inconsiderate and inadequate. No mention of how they intend to repair my credit file.

 

Nick

 

 

I can't see why anyone would want a report more than once per month and at £2 per shout, that is £24, that really is an insult.

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In light of Durkin V HFC, I'd be tempted to go for a minimum of £8,000 for each marker placed as a result of fraudulent activity.

 

Has the ICO started an investigation yet ?

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there are big holes in the security system of Experian and Callcredit that allow fraudsters to dump stuff on your crdeit files and they know it but I suppose they dont want everyone to hear that so go after them to get the proper resolution.

PM me and I will tell you how it happened to me and what you can do to limit the damage done. I wont post up because the problem is so simple it would be an invitation to other crooks to exploit

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  • 3 weeks later...

Thought I would update the story.

 

Experian confirmed again in an email that their offer of 12 months subscription is a fair and reasonable offer.

 

I have written today to the Financial Ombudsman and been in contact with the ICO.

 

Experian claim that only 2 out of 5 questions were incorrectly answered (according to their records). I still have a current account with Santander. I disputer this and am in the process of obtaining proof that the account was closed down many years ago.

 

My argument is that even if their records show the account as open. If the account is closed, then the answer to the question is still incorrect as I do not have an account, even though their records show that I do.

 

More importantly, I feel Experian should show more concern over the answers that are not being disputed, my date of birth and my wifes date of birth than the one answer they feel they can squirm out of.

 

If Experian had held their hands up to their incompetent security measures in the first place and offered compensation that better matched the issue. Rather than trying to convince me that they have adequate security measures, I wouldn't need to spend half my life dealing with this issue.

 

As always, advice welcome and much appreciated.

 

Nick

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I have read information on this forum regarding the usefulness of the Financial Ombudsman Service and ICO. Neither fill me with optimism and confidence even though I have passed my complaint to them and am waiting for a response.

 

Is it worth taking out a Small Claim against Experian?

 

Can I be compensated for the time, effort and stress they have put me through and how do I decide what is reasonable to claim for?

 

I have not been left with financial debt following this experience but that's only due to the time and effort I have put into contacting all the companies involved and explaining my plight.

 

Nick

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