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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.   
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Erudio claimform - old SLC loans - stayed - now N244 **WON SJ refused**


patterns
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Thanks

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Hi Guys,

Was contacted by erudio last year about the change of ownership.

i didnt want to sign the deferment letter.

Came on here read up and decided to request my CCA for the loans back in October.

No response only threatening letters. i sent a second response and no reply.

They eventually wrote to me in december saying they will look into my request.

I heard nothing until today - they have actually sent me a copy of all my CCA's, signed.

Wondering what are my options here? They did not comply to the 14 days from my request.

The date of the loans are 97, 98, 99 and 2000

HOWEVER - of all the CCA's, there is a few things:

- only 1999 and 2000 are signed the others are blank

- 1998 only has the DD section ignored

- only 1999 is signed by an official from student loans

They are photo copies though. but the others do look completely blank

Thanking you in advance

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scan then up please

 

so when did you last defer to SLC before the sale?

 

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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Ok il scan up shortly - what do you need to see on them and what shall/can i cover up?

 

I last deferred the last year before sale, so i have pretty much deferred most years. As soon as it switched hands to Erudio i haven't signed a thing.

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patterns said:
Ok il scan up shortly - what do you need to see on them and what shall/can i cover up?

 

I last deferred the last year before sale, so i have pretty much deferred most years. As soon as it switched hands to Erudio i haven't signed a thing.

 

 

why cant you simply use a copy of the old SLC DAF and send that in

if your situation has not changed

 

 

stuff rodeo

 

 

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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just send that to rodeo

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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Dx you really do deserve a medal! I propose we all nominate you for an MBE or sommet similar. :)

 

Pattern, your CCA sounds dodgy as heck. As is always the advice 'Question everything', & just because they tell you that they have responded to your CCA, they normally havn't. So! Check and double check everything they send you. :)

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  • 2 years later...

Hi Guys, re-bumping this rather than starting a new one.

i refused to sign erudio's dodgy upgraded deferment form.

Eventually they sent by debt over to Capquest.

 

Firstly i sent them a template on here 'i dont acknowledge' CCA Request, nothing yet more letters,

i recently sent them a 'prove it' style - they have not responded

 

Shall i send a letter again?

I did request a CCA from Erudio and they sent me pieces of this as mentioned above

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you should never ever kick pram wheels if the DCA is not kicking yours.

 

you should have learned that years ago!!

 

never ever blindly send any pointless letter tennis on any debt with asking here FIRST..

 

bad move!

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 remember DX and i remember your priceless help (thank you again!)

 

Ill follow previous advice..

... Reason i started these new thread is i really dont want to have to go to court again and set aside another Statutory demand

 

:( plus its messing up my credit file

, i cant get any finance or even start to for another 4 years. However i see your point and thanks for the reminder

 

I spoke to credit reference agencies and they said i can dispute the marks on my credit score

- you suggest to try this?

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so why did you not send that deferment form then as advised 2 yrs ago?

 

 

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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Because the one at the time requested i sign a new form.

 

i read up countless people having the same issue and were advised send your own deferment letter under the same terms as previous not erudio ones

 

. I did, and i got the same reply... i need to sign their one

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not according to the FOS

 

they have already told Erudio that they must accept the old form with old requirements and cant dictate that their form MUST be used.

 

your issue is now that you sent that [you didn't tell us that till now]

and erudio have since defaulted your credit file and are claiming you are in arrears?

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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you write to erudio and complain [refer to the case listed on this thread at the end]

http://www.consumeractiongroup.co.uk/forum/showthread.php?447223-Erudio-and-final-FOS-decision

 

demand they REMOVE the whole account from your credit file

and accept the completed SLC old deferment form

[you need to do a new one too? for this year?]

 

else you'll be complaining to the FOS

and seeking financial compensation for the distress caused to you and the financial cripplement their faulty default has caused

 

give them 14 days

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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Thanks for that..

. just read the whole 6 pages, and have the deferment form.

Yep ill have to do another for this year too i guess, so send them that with the letter i presume.

 

Reading that thread... you state to sign and alter slightly, they didnt sign, so do i or dont i sign?

 

And i draft a cover letter along with the SLC DAF to Erudio explaining :

 

"I have been contact by capquest informing me i have a debt in arrears and defaulted for my student loan.

 

i have sent you the SLC DAF previously which is acceptable by FOS,

i have attached this years DAF also.

 

i request you accept my DAF demand you REMOVE the whole account from my credit file.

Otherwise i shall complain to the FOS. I expect to hear from you in 14 days"

 

something like that?

 

Anything else?

 

I can see that person in that post actually never heard back nor got a response, and instead like me their debt was sent to capquest and in the same position. I am just following protocol here then i presume to protect myself in the event it goes to court?

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please don't beg them or request this or that - demand

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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Share on other sites

well you're not disputing the agreements are you?

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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Share on other sites

Still not sure about signing this one but i guess i must. Just worried if capquest get hold of it they pay copy/paste. But hey if i must i must sign

 

Will be sending today, i kept it very blunt and demanded as you say - thanks again

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you are not disputing agreements exist...:frusty::frusty:

 

so what good would it do them to copy your sig anywhere....

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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  • 2 months later...

Hey guys, thought i would update you -

 

received a balance statement from erudio following my dispute letter and sending my deferment for again (Thanks DX100UK),

 

they have been removed from my credit file.

 

This letter was dated 4th sept.

 

All looks like its ok?

 

Maybe not.... i received no acknowledgement of my letter,

AND also received this:

 

Around the same period (i didnt open my post) i received a letter dated 29th AUG stating the following:

 

Thank you for your recent correspondence regarding your studenrt loan.

We have now investigated your complaint raised on decemeber 2015 and unfortunately we have not recieved correspondence from the FSO.

We would ask that you send us a copy of the outcome, to be able to investigate further.

Capquest will place a 30 day hold on your account ......

Any advice on the next steps?

 

Shall i send my deferment letter recorded again?

 

Doesn't seem they have acknowledged and/or are mocking it

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We have now investigated your complaint raised on decemeber 2015 and unfortunately we have not recieved correspondence from the FSO.

 

 

whats this bit about?

did you complain to the FOS then?

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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Thats what im puzzled about.

 

No i didn't, i requested a cca using the template link on here when they said they wouldn't accept my original deferrment,

 

i then sent a no cca response letter again states nothing about FOS.

 

Nowhere in my letters did it state this at all?

 

These letters were sent to then in 2014 not 2015.

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