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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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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Lowel/BW claim form - EE mobile phone 'debt'


Ryanuk
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Hi everyone!

 

I'm looking for some advice after

 

I received a claim form from Northampton county court and BW legal.

This is the first time that I can remember having any contact from this company. But it's possible I have forgotten.

They say I owe EE for an iPhone contract I didn't pay.

 

When I was younger I wasn't the best with money.

I was immature and ended up getting credit then I losed my job and my home.

 

Luckily I have some amazing friends and I got back on my feet but I still had all this debt.

Over the next few years I moved from place to place and the debt followed me round.

 

At the time I was just realising that they kept finding me because somehow,

when I told my bank I had moved address (natwest)

I would then receive a load of debt letters.

 

The next time I moved house I changed my bank account address to my parents

and I never received anymore debt collection letters in my new address.

 

After a few months I rocked up at RBS with my tenancy agreement,

home insurance certificate and council tax bill and opened up a new bank account.

 

I was sneaky about this and said my previous address was my partners parents house and that I'd never had credit

or even a bank account because I was stupid with money. My parents managed it all for me I told them.

 

I'm guessing some people won't agree with what I did but anyone and I mean anyone who has experienced the truck loads of debt letters

falling through the door, the telephone calls and the threats from these companies

will agree you just end up totally beaten and in the end you will do anything to make it stop.

 

what I did worked and I realised I had a shiny new credit report with no defaults.

Three years on I still have the perfect of credit file but. I received a random claim from Lowell and BW legal ,

 

I thought the best thing to do was to respond to the claim saying I was going to defend it on the grounds that I don't believe the account is owned by me.

 

I was thinking they may drop them claim but now I'm worrying myself sick about it.

According to the claim form a default notice was issued against me back in 2011.

Obviously my credit file does not reflect this default or any default at all because of what I have done.

 

Have I done the right thing?

Or do I need to do anything else?

Preferably without having myself into the local police station!

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please can you fill this out

so that we have all the info to best advise you

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

 

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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Here you go and thanks.

I'm not able to answer some of the questions my memory is not the best.

 

 

I have had no contact with lowel at all.

I have their number blocked in my phone and return all their letters to them saying not known here.

I was thinking because my credit files does not show anything from my past that was the best thing to do.

 

Name of the Claimant Lowell Portfolio 1 Ltd

Date of issue – 28/07/2015

Date of def = 28/08/2015

 

What is the claim for –

 

1.the claimants claim is for the sum of £1,864.10 being monies due from the defendant to the claimant

under a mobile telecoms agreement regulated by the consumer credit act 1974 between the defendant

and everything everywhere limited under account number XXXXXX

and assigned to the claimant on 30/06/2013 notice of which has been given to the defendant.

 

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

and a default notice has been served and not complied with

3.The claim also includes statutory interest pursuant to section 69 of the count courts act 1984 at a rate of 8%

per annum a daily rate of £0.41 from the date of the assignment of the agreement to 30/06/2014 being an amount of £150.06

 

What is the value of the claim? £ 2000

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile Phone

 

When did you enter into the original agreement before or after 2007? Its going to be after 2007

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser issues claim

Were you aware the account had been assigned – did you receive a Notice of Assignment? I did receive some letter from Lowel which I returned to them unopened

 

Did you receive a Default Notice from the original creditor? Possibly, but to look at my credit file now there is no default notices on it.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that i'm aware of. At least not for the past 3 years

 

Why did you cease payments? I'm unsure. I don't even remember having the contract

 

What was the date of your last payment? Again i'm unsure

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan? No

Edited by Ryanuk
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Bingo, how right was I... Right have you logged onto MCOL yet?

 

WHAT!!! £2200 for an EE Contract!??!?!?!?!?! How much was the price plan per month?!?!?!?!?!?!!?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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MCOL is the Courts System to defend etc etc for Court Cases...

So youll need to look at the claim form, itll give you a password. When you have gotten it, go to https://www.moneyclaim.gov.uk/web/mcol/welcome

 

Register as an individual and use the Claim Reference and the Password. Defend All and leave jurisdiction unticked.

Now you go on an information investigation with EE and Lowell...

 

Time to wake up, if you dont defend this right, youll end up with a corker of a CCJ. This wont be easy money to Lowell and co...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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read the claimform

all is on there

 

go ack the claim [AOS]

on the MCOL website

defend all

leave juris unticked

 

hang on.

 

date of claim 28/7/2015????

 

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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Thanks for the response

 

 

on the claim form there is no reference to a password for any website.

 

 

In fact in anything I got sent there was nothing mentioning passwords.

 

 

I had a claim form,

with a reply pack which I sent back saying i was going to defend the claim in the grounds i don't believe the account is owned by me.

I figured I would do this then seek advice.

 

But there's no passwords listed in anything I was sent

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Ive just noticed that too?!?! Errrrrrrr.............. This isnt good....

Scratch the above..

 

 

. Can you spare maybe £4 now and maybe look at Noddle, Clearscore and Trust Online?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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when did you receive that claimform and how?

 

 

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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pop itup as PDF here

 

 

follow the upload

 

 

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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This came in the post on Friday and I sent the defence thing back the same day. I also just registered for Clearscore and theres nothing in relation to this on their either. According to my credit file this contract never existed.

 

 

why did you send it back

what did you put

and to whom did you sent 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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Here you go.

 

 

This is what I received on Friday in the post.

 

 

I sent it back in a panic!

 

 

I just stated I was going to defend the claim on the grounds

I don't believe the account belongs to me.

Because according to my credit file it doesn't

Edited by Ryanuk
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pers info showing

removed

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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is that ALL that came no letter too?

 

 

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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