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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).
    • 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?  
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How do I enforce a £5k+ court judgement against Royal & Sun Alliance Insurance plc ***Paid In Full***


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Hi, I recently brought a small claim online against a large insurance company (following a recorded delivery warning letter giving them 7 days to respond, which they ignored), they did nothing so when the appropriate time had expired I applied online for judgement against them, specifying I wanted the full amount, plus interest, costs etc, paid immediately (the original loss for which I claimed was 6 years ago). I now have the judgement as of 30th September, and confirmation arrived by post from the court yesterday.

 

The MCOL service show the next step as to issue a Warrant, but it then states that this is only possible for claims up to £5000. The judgement is between £5,000 and £10,000.

 

So, what would you recommend is the best way to get them to pay up? I'm looking for the easiest, rather than specifically the quickest method (though the quicker the better obviously).

 

Thanks in advance for any help.

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i'm pretty sure "bailiff advice" will be able to help point you in the right direction

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Please tell us the name of the insurance company. Don't keep this all to yourself.

 

The best thing to do is to have the matter transferred to the High Court and then in force by High Court Enforcement Officers.

 

You will find several companies online which will do the whole thing for you. Check the writing carefully and make sure that you get a company which will not charge you anything if the enforcement fails. This is essential because otherwise if it fails, then you could be liable for the costs which can be substantial.

 

Move quickly on this. Don't bother to tell the insurers. Start the process immediately.

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This one – http://thesheriffsoffice.com/is probably as good as any. Don't forget what I said about making sure that you only have to pay the initial fee and then after that it is down to them to make the recovery

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This one – http://thesheriffsoffice.com/is probably as good as any. Don't forget what I said about making sure that you only have to pay the initial fee and then after that it is down to them to make the recovery

 

This in interesting information. In my thread 'lending money to a friend' would this advice be equally valid to me ?

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This in interesting information. In my thread 'lending money to a friend' would this advice be equally valid to me ?

 

Yes if your judgment is over 5K.

 

Andy

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This in interesting information. In my thread 'lending money to a friend' would this advice be equally valid to me ?

 

Escalate to HCEO's : Yes.

Equally valid? Probably not.

 

The HCEO's will have right of entry to a business's address, and can take control of goods : so they can go into the insurance firm & say "pay up or we walk out with your computers".

 

A) they wouldn't have right of entry into an individual's private address

B) if there weren't assets to seize : you can't get blood from a stone.

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Thanks for your replies. What I received in the post from the court is a "Notice of Judgment Entered" - it has my Claimant details top left, and the claim number, Claimant, Defendant and Date in a box on the top right, then for the judgment details below everything it just states "In accordance with your request, judgment was entered against the defendant on the 30th September 2015." - the rest of the page is blank (except for a standard footer with MCOL's details).

 

So, there's nothing about "setting aside" or appealing the judgment - but please let me know what action the Defendant can take.

 

 

When I called the court service for advice previously they said that the defendant has up to 30 days to pay up, but I could still go ahead immediately and apply for a "high court writ" and I was directed towards the http://www.hceoa.org.uk

 

I also found forms EX325 (which doesn't apply in this case as far as I can tell, but worth mentioning in case it's relevant to anyone else finding this thread) and EX321 (which seems to apply mainly to enforcing orders against individuals, not businesses) and EX322

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/ex322-eng.pdf which refers to getting a High Court Writ using form N293

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n293a-eng.pdf

 

Part 1 of that form N293 is quite clear, part 2 is for the court to complete, but I'm not sure who fills in Part 3 as it asks for a High Court Enforcement Number which I obviously don't have yet. It also looks like I need to specify a High Court Enforcement Officer or I can just specify the region (so presumably the court appoints an appropriate HCEO).

 

I'm still not entirely clear what I should do next. It looks like either get advice on using form N293 or otherwise to employ a HCEO to handle it all for me (whilst making sure I'm not liable for any fees). Does that sound about right?

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I personally would send the insurance company (recorded letter, probably also an email) a copy of the CCJ asking when payment will be made and stating that you will send the debt to High Court Enforcement Officers if payment is not made by 29 October (i.e. one month from the CCJ).

 

If the insurance company tries to have this set aside later, proving that you have done this would reduce the chances of the company trying to say that they should not have to pay the enforcement costs.

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Thanks for your replies. What I received in the post from the court is a "Notice of Judgment Entered" - it has my Claimant details top left, and the claim number, Claimant, Defendant and Date in a box on the top right, then for the judgment details below everything it just states "In accordance with your request, judgment was entered against the defendant on the 30th September 2015." - the rest of the page is blank (except for a standard footer with MCOL's details).

 

So, there's nothing about "setting aside" or appealing the judgment - but please let me know what action the Defendant can take.

 

 

When I called the court service for advice previously they said that the defendant has up to 30 days to pay up, but I could still go ahead immediately and apply for a "high court writ" and I was directed towards the http://www.hceoa.org.uk

 

I also found forms EX325 (which doesn't apply in this case as far as I can tell, but worth mentioning in case it's relevant to anyone else finding this thread) and EX321 (which seems to apply mainly to enforcing orders against individuals, not businesses) and EX322

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/ex322-eng.pdf which refers to getting a High Court Writ using form N293

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n293a-eng.pdf

 

Part 1 of that form N293 is quite clear, part 2 is for the court to complete, but I'm not sure who fills in Part 3 as it asks for a High Court Enforcement Number which I obviously don't have yet. It also looks like I need to specify a High Court Enforcement Officer or I can just specify the region (so presumably the court appoints an appropriate HCEO).

 

I'm still not entirely clear what I should do next. It looks like either get advice on using form N293 or otherwise to employ a HCEO to handle it all for me (whilst making sure I'm not liable for any fees). Does that sound about right?

 

Not unknown for companies to apply for set aside, with reasons against the claim and the claim going missing, so they did not have chance to respond.

 

You might want to send an HCEO to the Insurers to gain quicker payment and to embarrass them. I am sure an HCEO will tell you exactly what needs to be done in completing the paperwork and once the court has actioned these, they will take over enforcement.

 

But you could send the Insurers head office a copy of judgement asking them to pay by x date or you will elevate for high court enforcement, which would add significant addtional costs for them to pay. They may choose to settle quickly and then you don't have to mess around.

We could do with some help from you.

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  • 2 weeks later...

Thanks everyone. The 30 days is nearly up and today I've instructed High Court Enforcement, based on the recommendation of a solicitor who's been dealing with a personal injury claim for me (I came off a motorbike a few years ago, small incident but fractured arm etc). I had also googled The Sheriff's Office for reviews and there weren't many good ones (from the point of view of a claimant i.e. their customers). The first step is for me to pay the £60 fee to have the case "moved up" to the High Court by the solicitors that HCE use, then they'll go and collect on the debt. If they're unsuccessful they charge a £75+VAT Compliance Fee (both TSO and HCE charges were identical - maybe they're regulated fees) - although that's unlikely in this case of course, being a multi billion pound business.

 

I probably should have instructed HCE weeks ago, although it might provoke the Defendant to apply for it to be set aside and I'm told that the longer they put off applying, the less chance of the court approving such an application. Whatever the case, I can't turn back the clock and I've instructed as of today.

 

I'll let you know how things go.

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I wonder what assets the head office of the insurer would have that the enforcement officers could take away?

 

You haven't said what kind of insurer they are or what the original debt is all about?

 

In any event be prepared for a set aside application from the Insurance Company.

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,

I wonder what assets the head office of the insurer would have that the enforcement officers could take away?

 

You haven't said what kind of insurer they are or what the original debt is all about?

 

In any event be prepared for a set aside application from the Insurance Company.

 

Quite a lot in my experience. They have artworks on boardroom walls often worth thousands. All the chairs, furniture etc.

 

They will pay up pretty quickly to save embarrassment.

We could do with some help from you.

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I wonder what assets the head office of the insurer would have that the enforcement officers could take away?

 

You haven't said what kind of insurer they are or what the original debt is all about?

 

In any event be prepared for a set aside application from the Insurance Company.

 

As I understand it, they can take whatever they want until they estimate they have enough stuff that can be auctioned to realise enough to pay the debt and their fees.

 

This relates to a non-injury road accident I was involved in with a driver whose motor insurance cover was provided by the company in question. I chose not to claim via my own insurance (though I notified them, as one is required to do) and claimed directly off the other driver's insurance company.

 

In normal circumstances it's difficult to prevent the other driver's insurance company from finding out who one's insurance is provided by (in order that they can deal directly with one another over the incident/claims), by virtue of the fact that vehicle details are required to be entered on the MID (Motor Insurers Database), but in my case cover was provided under the umbrella of an "any car" policy and whilst there is a minimum period after which it is mandatory to log a vehicle's details on the MID, in this case I hadn't had the vehicle long enough, so it wasn't on it. Hence, due to my large excess (four figures) and full but non-protectable NCD (which would likely also have meant a significant 4 figure increase to the following year's premium - unless liability was settled as 100% the other driver's fault, which he disputed), rather than claim via my insurance I set about claiming directly off the other driver's insurance company. They could have settled ages ago, but they didn't and I didn't chase it until the 6 year limit for bringing a claim was looming. As mentioned already, I wrote by recorded delivery and they ignored it, they also seemingly ignored the court claim, the result of which is that I now have judgement against them. They haven't yet applied to have it set aside and the next steps are to get the High Court Writ and then the enforcement officers will be knocking on their door (and yes, I did check their address to which I issued the claim was still current and correct, so there's no excuses for them not knowing about it).

 

Can they apply to have it set aside when there are enforcement officers present at their premises?

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As I understand it, they can take whatever they want until they estimate they have enough stuff that can be auctioned to realise enough to pay the debt and their fees.

 

This relates to a non-injury road accident I was involved in with a driver whose motor insurance cover was provided by the company in question. I chose not to claim via my own insurance (though I notified them, as one is required to do) and claimed directly off the other driver's insurance company.

 

In normal circumstances it's difficult to prevent the other driver's insurance company from finding out who one's insurance is provided by (in order that they can deal directly with one another over the incident/claims), by virtue of the fact that vehicle details are required to be entered on the MID (Motor Insurers Database), but in my case cover was provided under the umbrella of an "any car" policy and whilst there is a minimum period after which it is mandatory to log a vehicle's details on the MID, in this case I hadn't had the vehicle long enough, so it wasn't on it. Hence, due to my large excess (four figures) and full but non-protectable NCD (which would likely also have meant a significant 4 figure increase to the following year's premium - unless liability was settled as 100% the other driver's fault, which he disputed), rather than claim via my insurance I set about claiming directly off the other driver's insurance company. They could have settled ages ago, but they didn't and I didn't chase it until the 6 year limit for bringing a claim was looming. As mentioned already, I wrote by recorded delivery and they ignored it, they also seemingly ignored the court claim, the result of which is that I now have judgement against them. They haven't yet applied to have it set aside and the next steps are to get the High Court Writ and then the enforcement officers will be knocking on their door (and yes, I did check their address to which I issued the claim was still current and correct, so there's no excuses for them not knowing about it).

 

Can they apply to have it set aside when there are enforcement officers present at their premises?

 

No as that would take time, but they could apply for a stay of execution to stop HCEO action. Pretty unlikely. They will just pay up, if they have not taken any actions already e.g already applied for set aside and will ask court to look at urgently

We could do with some help from you.

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Thanks. By way of an update, the High Court Writ has been obtained and HCE have written to the company concerned giving 7 days (working days plus 2 days postage - so nearer 2 weeks in reality) to pay up otherwise enforcement officers will visit.

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  • 2 weeks later...

Well, the time expired and the job was passed to an Enforcement Agent on Saturday. When I spoke to him this afternoon he'd been looking forward to the job and was going to it as his first job this morning. On his way, however, he was notified that the Defendant had paid up in full. HCE have now confirmed that they have the total amount of my judgement, a statutory £111.75 (which effectively includes a reimbursement of the £60 fee I pre-paid to have the matter moved up to the High Court) and £80 in interest. However, they're bound to keep hold of it for 14 days before sending it to me.

 

It's fair to say I'm happy with the outcome and the process itself wasn't too arduous (it would have been a lot different if the Defendant had decided to respond and could perceivably have counter-claimed too). I'll reveal who it was once I've banked the cheque.

 

For now, I just need to dispose of the damaged vehicle that's been in storage for over 6 years.....

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Excellent ...well done NWB delighted that this has been resolved.

 

Thread title amended to reflect your success.

 

Regards

 

Andy

We could do with some help from you.

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  • 4 weeks later...

Just a quick note to say I received the cheque from HCE and it's now cleared my account. The legal department of the insurance company in question have since been chasing me to confirm in writing that the debt is satisfied so they can get it removed as a black mark on their record. I did email but had to put that it was subject to clearance of the cheque. I can't say I'm all that inclined to be helpful and quickly forthcoming given how slow they were, but all's well that end's well I suppose.

 

Anyway, I said I'd reveal who it was once it was all settled. It was Royal & Sun Alliance Insurance plc, Parkview House, Victoria Road South, Chelmsford, Essex CM1 1NG. The date of the judgement was 29th September 2015.

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