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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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      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Lowells. Can I trust this site? goldfishl now Barclaycard


carpenterchrist
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Hello,

I'm sure I'm probably starting off on the wrong foot. But I received a letter from Lowells yesterday morning. They've been assigned a debt which I'm 50/50 might be statute barred.

 

I googled for help on how to handle them and your good selves came up, but also a lot of links warning me that this site gets paid by Lowells to get posters to reveal as much information as possible so they can use it. CAG is apparently letting Lowells post here and view threads, etc, and even certain posters keep asking for documents to be scanned up as pdfs so Lowells can get a better idea of who/what/etc.

 

Please tell me this isn't true?

 

Again, sorry for sounding paranoid, but having heard things about the owner working for bailiff company Marstons and an over-zealous site team of ESA claimants with too much time on their hands who edit and delete threads because it makes them feel important and gives their empty lives meaning, I just wanted to double check this isn't the case....

 

Thanks.

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I always go by the rule that you never reveal information online that would be of any use to anyone searching for you. I would not upload any letters or other documents, which had any identifying marks on them. Why give any oppostion information which might help them with strategy.

 

As far as i know this site has no link to Lowells. In fact the current legal Director of Lowells, said that CAG was the nemesis of debt companies, in an article for the association of debt companies. At one time, the Lowells complaints manager posted to various online forums, including CAG, Moneysupermarket ( when they had a forum). CAG gives advice to people that helps them win against Lowell.

 

The rubbish that you are reading comes from other forums, following spats over a number of years between various. It is all just a load of nonsense. I would say more, but i don't want to fuel the same old argument.

 

If you want help with Lowell, just post up some general info on the debt.

 

Nb. Re the Marstons issue that was just the site owner invited to join an independent committee looking into bailiff problems. It was a load of consumer advisors and interested parties, asked to provide feedback on what was happening to people.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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This site has no links to lowells and certainly isnt funded by the **** at all.

 

You have to be careful as a lot of freeman of the land sites try to discredit this site, because CAG helps people for free, where those other sites will make you pay for their help, and drop you in deeper trouble 100% of the time.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks.

(Sorry for joining all aggressive, but I'm paranoid by nature and I just wanted to check first my post wasn't deleted to prove my point).

Okay cool then.

Let's start again,

Any advice I can get will be greatly appreciated.

I've got a credit card with Goldfish from 2004. I got into financial difficulty around 2007 and stopped even paying the minimum monthly payment.

At the time the debt was about £6,000. (What blows my mind was my salary was around £14,000 pa at the time) but each few months they'd raise my limit until I had credit limit around £11,000! Go figure! But this was pre-2008 crash).

Anyway, I moved around a lot Europe until start of 2016, when I (perhaps foolishly) got back on the Voters Roll. Now I've had this letter from Lowell saying blah blah, debt is now £8,500 and we will go for a CCJ.

Trouble is I'm not sure when I stopped offering them £1 a month.

I don't want to kick the hornet's nest by phoning them up, but neither do I want to bury my head and end up with a CCJ by default, as I've finally got my credit rating looking better than Robert Maxwell.

Edited by honeybee13
Language.
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Who has been writing to you ? Lowells have recently started doing their own in house legal stuff, whereas in the past it was farmed out to debt collector Solicitors to issue court claims.

 

Is it just a general debt collection letter or a letter from Lowells legal department ?

 

Did you offer Lowell £1 token payments in writing ? If so, was this within the last 6 years ?

 

Have you actually made any payments towards this debt within the last 6 years ?

 

Have you checked your credit record ? Is this debt showing ?

 

Answer these questions first and then we might be able to suggest next step.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Check your credit file first.

 

When did you stop paying them anything?

 

Ignore lowlifes for the time being, they often say this and say that, when in actual fact there is pretty much nothing they can do, if Goldfish wanted their money then they would have acted sooner rather than later, and I very strongly doubt, that they would flog a 6k to a tin pot powerless DCA, UNLESS there was something seriously wrong with the account.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I've totally ignored the debt since 2007, when I left the UK.

 

 

I had a bank account with Santander that I also defaulted on and left,

which had a dd for £1 to Goldfish at the time - I've no idea how long they paid the pound for.

But the Santander account is now SB and has dropped off my credit file.

 

All my other liabilities have now dropped off too

- except for the original goldfish credit card default which still shows as red D each month.

That's why I thought it was now safe to go back on voters roll and register a UK address again.

 

The letter looks like a typical DCA letter, it's all "may", "might" "could well do, if you ignore us, etc"

But I'm just nervous because it's so much money and I'm not totally sure when the last pound monthly payment might have hit the original goldfish account.

 

Edited to say - thanks BazookaBoo.

I don't think Goldfish as a company exist anymore,

so that was my concern,

who knows who they might have sold the original debt to,

albeit for pennies in the pound back in the day,

but I could still be liable?

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On your credit file what is the date of default against the red marker?

 

If the satansbank is now SB then you can bet your bottom dollar that this is also SB.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The Goldfish default should not still be on your credit record, as the default was more than 6 years ago.

 

If Lowells have added this default back on your record, that is wrong.

 

It might be a good idea to find out which Bank took over Goldfish accounts and to send them a Data Protection Subject Access Request. In the request, specifically ask them for copies of all statements of account, as well as all other records held. With this information, it might help you with this debt and enable you to get the default removed.

 

If the Santander account which paid the £1 payments is SB'd, then this Goldfish debt should also be SB'd.

 

Given that Goldfish no longer exist, you could send Lowell a CCA request, as they might have difficulty getting it.

 

Nb. Barclaycard would deal with your Goldfish Subject Access Request.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Good advice. Thanks mate.

I'm on it first thing tomorrow.

It's just in my nature with things like this that it's usually better to let sleeping dogs lie than start the whole letter tennis bollox.

Appreciate the input. I'll let you know when it comes back whether a bark or a bite.

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you say you are not In this country?

 

oh and where did you read we are tipsters for lowells

i'd love to read it

 

ah just read that later unspaced post

you are back here not

if they are all from 2007

pers i'd ignore then.

 

yea go get your credit file

that could be useful.

 

goldfish will now be Barclaycard as it was sold to morgan Stanley then BC bought them out.

 

whats the default date not the D's from the calendar section

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 say you are not In this country?

 

oh and where did you read we are tipsters for lowells

i'd love to read it

 

ah just read that later unspaced post

you are back here not

if they are all from 2007

pers i'd ignore then.

 

yea go get your credit file

that could be useful.

 

goldfish will now be Barclaycard as it was sold to morgan Stanley then BC bought them out.

 

whats the default date not the D's from the calendar section

 

not sure if i'm allowed to post links, but to answer your question I googled cag and lowell and this was one of the first results: http :// forums.moneysavingexpert.com/ showthread.php?t=2594633

 

EDIT. as I thought, I can't post link. But close the gaps on the above one, to see what I was talking about.

Anyway, it's all good now, I've had some good advice without being told to post up pdfs, etc, so I'm comfortable. forget it.

Edited by carpenterchrist
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well even if we do want scans we always ask you to totally redact stuff

and if you don't

we do it.

 

 

just go look around

you'll see scans of peoples letters but as we know 99% of stuff from

dca's are templates anyway they cant tell who its too or from

even if they do 'read' the forum..

its also worthy to note

if you look in the legal successes forum

by far the greatest number of 'wins' against DCA's are from lowells

pretty conclusive answer me thinks....

 

 

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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http://forums.moneysavingexpert.com/showthread.php?t=2594633

 

oh that ole debacle...

 

they never did keep up their membership...

trouble was they couldn't be honest and upfront

with how they conduct themselves

even on the phone

esp when we posted up several telephone conversations where they were telling 'debtors'

they were bailiffs and coming round to get stuff.

 

as for the bailiff thing and marstons..

yes we do/did have member on their customer relations team/meetings

better to fight them from within to play fair etc etc.

 

doesn't mean we bend over mind...

 

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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