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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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Barclaycard - never defaulted me - help


Teldave
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HI hope somebody can help me as I am searching site and internet and cannot seem to find an answer

 

when I check my credit file I have a BC debt which is over 6 years old so should have dropped off my credit report however they have never defaulted me in the 6 years despite no payment since 2008

 

They have never contacted me in 6 years provided any statements and my last contact was in 2008 when they said they were unable to find copy of my credit agreement not to mention they sent me somebody else credit agreement

 

The credit reference agencies are saying this will not drop off until 6 years after default if they have never defaulted will then be reported and wreck my credit history forever

 

I went to the ICO to report this the fact they have never defaulted me in over 6 years and tbh they did not want to know complete waste of time

 

Any advice will be greatly appreciated the debt should be stat barred as no payments have been made in 6 years

they owe me more in PPI charges)

 

if I contact Barclays and tell them they are in breach of regulations for not defaulting in first 6 month period

will they then default me as of now thus starting the 6 year period again

 

I am so confused how to get this off my credit file

or is it going to haunt me forever until they follow guidelines and register a default

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Hi Tel,

 

I'll move this into the Barclaycard forum for you. :wink:

 

We've seen a few cases similar to yours recently - http://www.consumeractiongroup.co.uk/forum/showthread.php?441346-Barclaycard-Default-date&p=4692944&viewfull=1#post4692944

 

Read others here in this forum.

 

Was your complaint to the ICO in writing or by phone ?

 

:-)

Edited by slick132
got name wrong !

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Wow that was so quick thank you

 

ICO was all done via email their basic response was contact Barclaycard I can share emails from them if it helps

 

My response was I contacted Bcard and they have not responded they told me to do so again because of the time frame since last contact were completely uninterested in the fact they have not defaulted me in 6 years and still reporting on me

 

It was just ping pong back and forth me asking the question to ICO how are they allowed to do this and their response contact Bcard complete waste of time

 

This is why I posted on here to get excellent advice as always how best to proceed

 

Again thank you and of course will make a donation you guys deserve it for all the hard work you put in to keep this site up and running without it a lot of people would be at the end of despair

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the issue here is there is nothing now that the ICO guidelines state about this scenario

they used to state 6mths

but the rules were changed in 2014 [well guidelines.

 

so ts in negative bal?

or there are 1,2,3,d, markers in the history

what is causing you the issue with it being on the CRA file?

 

if you've got PPI/Charges get reclaiming!

that's might sort it.

 

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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The issue is there is a very high balance

I stopped paying them when they couldn't provide me a CCA

 

I tried to work with them but they were totally unhelpful

 

 

upon them saying no agreement I thought seeing as you have been so unhelpful

you can go sing for your money because you have no agreement

 

 

They took £300 out of my account saying I made an arrangement to pay

at no point did I agree any arrangement to pay as they rejected my offers

at that point I changed my bank

 

 

The issue is as they have not defaulted me in over 6 years

the CRA's are still reporting arrears on my credit file 6 months after the 6 year period

 

 

my question is

will they continue to do this forever as they have never defaulted me nor made any contact

my credit file will never be clean if this is the case

 

I don't advocate not paying debts but in my mind not claiming PPI offsets me not paying them if you get my drift

 

This debt is statute barred

no payment or contact has been made in 6 years

they have never sent me any statements in 6 years

 

 

however they are wrecking my credit file as without defaulting me the CRA's continue to report arrears past the 6 year period

hence my reach out for advice

 

 

what can I do to get this removed and stop BC wrecking my credit file by not having ever defaulted me

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could ask them to 'update'/correct your credit file accordingly. it shld've been defaulted within around 6 mths after no payments according to the ico guide.

but, cld check with the ico first see what they think shld be on your file.

then there is correction notices re a credit file, s159 con credit act

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As per previous post I

already contacted ICO

they didn't want to know told me to take it up with BCard

 

CRA's have told me that the 6 year period for reporting is from date of default no default have ever been issued

 

I reached out here to find out what I should do

my concern is if Bcard never default me then it will continue to be reported forever

the 6 years is up 6 months ago and by Bcard never defaulting me it wrecking my credit file

 

If I contact Bcard will they default me from now thus starting another 6 year period

or should they record default from original 6 month of no payment date which would be December 2008

 

Do I have any grounds to lodge a complaint with Bcard for wrecking my credit file by not ever defaulting me after 6 months of non payment

 

I confused what the best course of action is

 

 

I don't want this on my credit history forever and CRA's are advising they will continue to report

and not remove as there is no default date lodged it already 6 months over the 6 year period

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soz, yeah, already been to the ico.

there have been threads where files have been updated favourably without recourse to further action. have a look at those.

but if barclays wont update/correct files informally then cld do a formal notice. re s159?

 

ps. one thing re s159. it can force them to respond. and if unresolved, then for the ico to get involved and determine.

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what's the PPI / PENALTY charges worth at restitution rate of 24.9%.

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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Why don't you send a subject access request to them, see what they have recorded on the communication log.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for advice people

 

 

will contact Bcard

little concerned if I do this and highlight the fact they have never defaulted me

will they then default me as of now starting the whole 6 year ckock again

 

I know it a catch 22 situation if I dont have a default the CRA's will continue to report on it

but I want to make sure what Bcard should do to rectify this

ie admit they made a mistake and the default should have been applied in 2008

 

Apart from SAR Bcard any suggestions how I should word the communication

highlight the fact the debt is stat barred and no default has been applied or how should I approach them

 

I agree if I dont take the bull by the horns and make contact it will go round in circles

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a priority!!

 

 

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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Share on other sites

Hi Tel,

 

Do you have any statements at all for the a/c, even old ones. If so, do they show any PPI or penalty charges.

 

They took £300 out of my account saying I made an arrangement to pay
- When did this happen ?

 

If the debt is already SB'd, then I would focus on challenging BC to have the adverse data removed. I would use the SB letter in our Library and add a demand that all adverse credit data be removed immediately or you will take action seeking compensation.

 

Letters to them now will not reset the SB clock as long as you do not "acknowledge" the debt.

 

Keep reading other threads here for similar cases that will help you.

 

:-)

We could do with some help from you

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If the debt is already SB'd, then I would focus on challenging BC to have the adverse data removed. .......

 

 

ditto. if barred then there shldnt be anything there, it cant now then be recorded on cra file as a default if over 6yrs!

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Hi Tel,

 

You haven't told us, When did they take the £300 from your a/c ? An approx date will suffice.

 

:-)

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apologies here is full details

 

in May 2008 I was self employed my contract finished and I had no work. I reached out to Bcard and explained and they said they would accept reduced payments for 3 months. the figure was agreed and it was only at this time I found out I had PPI on the account.

 

I never requested it and the fact I was self employed would not have qualified for PPI in the first instance it was Bcard who told me they would stop the PPI charges I queried this at the time saying how can I have this I never signed up for it lots of fluffing on their part but tbh I just wanted to try and resolve and make the lower payments

 

After the 3 months was up May June and July (they had my debit card details to take these payments) I advised my work was sporadic and could I continue with reduced payments and they said NO were completely unhelpful told me to speak to citizens advice bureau for debt advice.

 

So this is where I got tough and stopped payments as they could not provide me with an agreement

 

I then discovered August they had taken a payment of £298 out of my account because they had my debit card details without my authority and marked my account as arrangement to pay. this was never agreed and tbh it left me in considerable hardship and caused my bank t pull my OD facility. I have copy of letter I sent them disputing this payment so I can be specific and correct on this date and I changed my bank end of August 2008

 

Since August 2008 no payments have been made nor any contact. they sent me out a copy of agreement in response to my letter to them in August which was for a completely different person

 

This is why I am so certain the debt is now Stat barred as no payment or contact since August 2008. however as they have never defaulted me in the 6 year period it still being reported on my credit file even though they have never sent me any statements nor updated the account since 2013. mind you they continued to add interest until 2013

 

On my credit file it shows following for this account :-

 

Default Date Not Defaulted Not Defaulted

Account Holder StatusNormal Not Available

Account Status Delinquent Not Available

Reported Until 6 years after account closure 6 years after account closure

 

Therefore it will continue to show on my account forever as I have never been defaulted nor account closed and it already over the 6 year period

Edited by slick132
adding para spaces, full stops, etc
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Hi Tel,

 

I have just edited your post to include paragraph spacing and full stops. Please take the time to post using paragraphs, capital letters to start sentences and full stops. If folk can't easily read a post, they're likely to ignore it.

 

I would be writing to BC telling them to remove the adverse CRA data immediately, failing which you will take court action seeking damages. See the letter here for ideas about the case law you could refer to - http://www.consumeractiongroup.co.uk/forum/showthread.php?429557-Late-payment-charges-made-mortgage-in-arrears&p=4692697&viewfull=1#post4692697

 

Also, instead of referring to MCOBS, you would refer to COBS.

 

:-)

We could do with some help from you

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