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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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RMR Financial Services Ltd,/ Compass Debt Counsellors DMP gone bust


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I have just found out my debt management firm is no longer trading saw this:

 

RMR Financial Services Ltd, formerly trading as Compass Debt Counsellors, has stopped trading and no longer offers debt management services.

 

The firm’s interim permission from the FCA, which firms must have if they wish to offer debt management services, lapsed on 8 March 2016. AARBS Ltd (insolvency practitioners) is holding a meeting of the firm’s creditors on 30 March 2016. RMR’s bank accounts have been frozen. This means that the firm will not be requesting direct debits from clients’ accounts and standing order payments will be rejected and returned to customers’ bank accounts.

 

This is an evolving situation and during the transitional period we would expect creditors that are authorised by us to show forbearance.

 

The company was holding around £500 of my money will i be able to claim it back what should i do first im clueless and extremely worried

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stop paying the ruddy fleecers

you should never ever use a fee paying DMC.

 

I doubt you'll ever see your money again.

 

'someone' will pick up the portfolio

just don't get sucked in again to being doubly done over

once by each SCA you are blindly paying

and by a fee paying DMC

 

list your debts please

who the original creditor was

what type of credit

what you took it out

who you were paying through the DMP.

 

ever sent any of them a CCA request

to check they legally hold the require paperwork to even demand money from 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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The payments were being made to :

 

Provident Central Collections

 

Direct Legal&collections

 

Ruthbridge Limited

 

Unfortunatly due to time circumstances and a house move which lost a good percentage of my possessions i cant say who ruthbridge Limited or Direct Legal were collecting on behalf of and im not sure if i have any of the few financal statements i did get ( after requesting them) in my possession

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I suggest you are being cash cowed on all 3

 

 

cca request to each one.

 

 

you could write to the administrators of the CMC and put in a claim for the F&F pot they always secretly hold that you've found

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 company was holding around £500 of my money will i be able to claim it back what should i do first im clueless and extremely worried

 

 

I e a full and final offer pot

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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There's a creditors meeting on 30 March.

 

http://forums.moneysavingexpert.com/showthread.php?t=5424617

 

It appears that Compass stopped paying creditors in December/January despite accepting payments from debtors. Their T&Cs state that the F&F 'pots' are held in 'trust' but the administrator is yet to confirm it.

 

Some creditors are being approached by Abbey Solicitors suggesting that creditors should continue paying them to have their agreements reviewed for unenforceability.

 

One of the 3 RMR directors is the husband of Conservative MP Amanda Solloway.

 

http://www.dailymail.co.uk/news/article-3488620/Hundreds-lives-left-ruins-debt-management-firm-run-Tory-MP-s-husband-goes-bust-500-households-facing-loss-large-sums-money.html

 

http://www.dailymail.co.uk/news/article-3490799/Resign-victims-tell-MP-debt-firm-scandal-Families-tell-anger-Tory-sits-business-committee-said-closure-sad-time-involved.html

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BBC Look North have just interviewed someone who was pretty much near to the point where his debts were supposed to be finished only to find he is still £thousands of pounds in debt.

 

Quote

Hundreds of lives left in ruins as debt management firm run by Tory MP's husband goes bust: At least 500 households facing the loss of large sums of money

 

Derby North MP Amanda Solloway's husband Rob ran controversial firm

Venture offered to eradicate household debts helping to deal with creditors

It also promised to reduce the amount of money that each client owed

Compass Debt Counsellors went into voluntary liquidation this year

Some clients have paid out thousands while not clearing any of their debts

 

 

Read more: http://www.dailymail.co.uk/news/article-3488620/Hundreds-lives-left-ruins-debt-management-firm-run-Tory-MP-s-husband-goes-bust-500-households-facing-loss-large-sums-money.html#ixzz43evuJmNF

 

 

 

I think it is now time to force DCAs and creditors to accept payment plans that debtors can afford so they are not put in a position where they need to use this type of company.

 

One of the main reasons that people use DMPs is that the pressure is off them with regards letters and telephone calls.

 

It is looking like some of these companies are like ponzi schemes. Then sadly when there are a lot of people coming up to the time where their creditors should be paid from the "pot" there is no longer any money left in it.

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  • 3 weeks later...

Hi sorry its taken so long to update but i'm finally sorted.

Taking the advice i was given here i have contacted every one who was owed money.

Not all of them were even aware there was a problem with compass.

They all put my accounts on hold for between 30 and 90 days to allow me to work out what was happening and have all accepted direct payments offers from me since.

Without the encouragement i got here i would never have done it and would likely be getting screwed over by a new firm as we speakk

 

THANKYOU ALL

Fluffy.

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Hope you sent a CCA request to each one first?

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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