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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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DCA enforcement of supposed 'debts' (only purchased debts)


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I have recently been doing some research into legalities of purchasing debts and enforcing them..

From what i've read online and social media sites

When a DCA purchases your debt you do not have a contract with them.

 

you run up a bill with BT avoid paying for 3-4 years then lowell/cabot etc crawl out of the woodwork

and decide to chase you for said debt....

 

however technically you never entered into a contract with lowell/cabot etc only the original creditor

when you ask for documentation regarding your contract with said DCA

they can only provide you with copies of the original contract with the original creditor

which is no longer your debt as the DCA has purchased said debt.

 

in effect the DCA has paid your debt off for you you have no contract with the DCA therefor do you have to pay?..

 

.. i challenged Lowell a few weeks back and guess what they agreed that my account was indeed paid off

and no longer worth them chasing me for it,

it wasn't statute barred by any means just me challenging them..

 

 

I can post the letter I received from Lowell to show you how i did it

and if someone could give me their input on what i've done

or simply remove my post if moderators do not agree with it :madgrin:

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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think you were just lucky for other reasons

not for following the freeman of the land twaddle.

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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yes, statutory legislation ie re assignment.

and, 'buyers' sometimes return a debt to the original creditor. either themselves, or under instruction from the fos for eg.

but of course if any of that can be challenged in any way, please say so. help us all. :)

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Dont start following freeman of the land crap. Youll end up in MUCH more trouble if you do.

 

under the law of property act 1925, a creditor can sell and transfer all rights and obligations to a new owner. The new owner inherits ALL rights and obligations towards the debt, so they can chase you as if they were the original creditor.

 

FOTL arguments fall back upon an 1800's law which was rescinded and replaced by the 1925 act.

 

And if those idiots start spouting magna carta rubbish, pretty much every rule under it has been overwritten since.

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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.

but of course if any of that can be challenged in any way, please say so. help us all. :)

meant to say 'legitimately challenged in any way.....' :)

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I'm not 'into' freeman of the land crap as you put it renegadeimp..

. this was merely using what i have learned here in CAG and researching online.

 

 

. yes companies can legally buy debt.

. but after consulting with bulk centre for ccj processing recently

they confimed as did a legal advisor that on a technicality

you can indeed challenge the legality of the purchase

(not acting on behalf of client mind you)

as you were only ever in a contract with the original creditor.

 

 

in theory Lowell/Cabot have purchased your debt from your cc company or catalogue company

and very generously paid it off for you.

 

 

I indeed have challenged this theory and have several debts returned to zero

just recently i can add photo's to show this as well as letters i sent

 

 

I was merely researching the legality of the debt purchase and contracts...

 

this was a £700+ debt to Lowell as they had purchased from Provident personal credit..

 

 

I also used this same challenge with Lowell against a relatives old talk talk account..

I'm not saying it would work on every occasion and indeed i may have been extremely lucky

I was merely challenging the legality of the purchase

IMG_4189.jpg

edited image.jpg

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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Much better.

 

Can you say what you wrote to the Leeds Losers to elicit that reply.

 

My thinking is that they didn't have full documentation to back up any claim so did the only thing they could. Lie and close the account.

 

They did something similar to me back in 08 and a few letters back and forth saw them off.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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This is what a legal friend and I came up with after reading lots of stuff online and questioned the legality of assigned deeds we worked on the assumption that lowell had no deed assigned to them with my permission

 

 

Reference Number:

 

Dear [Person who wrote to you],

 

 

Thank you for your recent contact dated [Date In Full], the contents of which I note, but do not accept.

 

 

I hereby request that communication from this point forward be made in writing only,

and that you do not attempt to contact me by any other method

 

For the avoidance of doubt, this notice does not constitute a complaint, and should not be treated as one.

 

I wish to verify whether any claim made against me is lawful.

I therefore request that you provide evidence of my liability.

I am happy to effect payment upon receipt of the following documents:

 

 

 

  1. The original instrument of indebtedness, or proof that said instrument still exists.
  2. Either of the following;

    1. If this is a demand for payment under the Bill of Exchange Act 1882, copies of any bi-lateral or tri-lateral contracts which create obligations on each party to perform, including any delegated Instrument of Novation, signed and sealed in a tripartite contract and a signed invoice in accordance with said act OR
    2. If this is an assignment of a legal thing in action under the Law of Property Act 1925, a Deed of Assignment (not a notice of assignment). This should be executed as a Deed, granted by the grantor or original creditor and endorsed by instrumentary witnesses in solemn form.
       
      On and for the record, I am willing to accept redacted copies of any documents that may contain sensitive commercial data or personal details of other clients providing that evidence relating to myself is apparent.
       
      Should you not be in possession of any of the aforementioned documents, or should you terminate your claim against me without first providing proof of legitimacy, then you will be deemed to be party to a fraudulent act

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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sorry that is FMoTl

 

"endorsed by instrumentary witnesses in solemn form."

 

"reading lots of stuff online and questioned the legality of assigned deeds we worked on the assumption that Lowell

had no deed assigned to them with my permission "

 

"Bill of Exchange Act 1882"

 

"a Deed of Assignment (not a notice of assignment)."

 

 

 

 

they prob dropped it because they knew they had No CCA.

prob pennies anyway

 

 

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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All readers of this thread are advised not to use or copy the above letter in post#8.

 

Regards

 

Andy

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It was for £789 to be honest and it was through a friend who is a legal advisor that helped pen it together fmotl is not something i have read up on tbh.. He only deals with bank debts through a charity advice centre so i dont get why you would insist i have used fmotl

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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no charity advice centre would ever allow such a letter to be used on their behalf

or a 'solicitor' that worked for them to use those highlighted issues in my post above..

 

anyway.

the reason why lowells decided to drop both debts

would have been because 99% of privy doorstep loans are totally unenforceable anyway

and

a mobile phone debt of that size

will either be disputed call charges

or

cost to end of contract

neither of which a court would judge upon in lowells favour.

 

 

bet they had a good giggle at the letter.

 

 

that sols want shooting.

 

 

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

no charity advice centre would ever allow such a letter to be used on their behalf

or a 'solicitor' that worked for them to use those highlighted issues in my post above..

 

anyway.

the reason why lowells decided to drop both debts

would have been because 99% of privy doorstep loans are totally unenforceable anyway

and

a mobile phone debt of that size

will either be disputed call charges

or

cost to end of contract

neither of which a court would judge upon in lowells favour.

 

 

bet they had a good giggle at the letter.

 

 

that sols want shooting.

 

 

dx

 

More like a Playground Lawyer! - dangerous!

:mad2::-x:jaw::sad:
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Not a lawyer just a legal advisor who does thing by the book in a charity based advice centre this was something we came up with together outside of this arrangement after i read lots of stuff online using what i used here previously and just challenged the legality of the debt with the dca x my

Stance was i hadn't signed a contract with the dca and thats what i argued with them over the debt x i guess i was lucky is all x

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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AAAHHHH!!! A DCA is an admin company usually only been appointed to chase and collect monies Alleged owed & act on behalf of Owner, A debt purchaser buys an alledged debt and becomes the owner, therefore your idea that a DCA needs a contract with you to chase is void, as they act on behalf of the originator.

:mad2::-x:jaw::sad:
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AAAHHHH!!! A DCA is an admin company usually only been appointed to chase and collect monies Alleged owed & act on behalf of Owner, A debt purchaser buys an alledged debt and becomes the owner, therefore your idea that a DCA needs a contract with you to chase is void, as they act on behalf of the originator.

 

Like i said i did some reading online and with some help challenged i'm not saying its correct and maybe like someone else mentioned they didn't have a cca to begin with, hence i got lucky..

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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  • 1 month later...
Much better.

 

Can you say what you wrote to the Leeds Losers to elicit that reply.

 

My thinking is that they didn't have full documentation to back up any claim so did the only thing they could. Lie and close the account.

 

They did something similar to me back in 08 and a few letters back and forth saw them off.

 

Sounds about right.

 

I asked for a copy of original agreements for one of the accounts they held. Was told they didn't have it and they closed the account and wrote to me saying they would not chase me for that or any other debt they held (total of 3).

 

Makes me wonder if they hold any documentation.

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no they never do

all they get in the portfolios they buy and sell

[we call them phishing lists]

is one line in a spreadsheet

 

 

that's put in the computer

and it sends out automatic threat-o-grams

to see if they can spoof mugs into coughing up.

 

 

sadly 99% of people do

hence these lists are potentially worth £M's

 

 

the day people realise that a DCA has no more powers than you or I

- can only try for a CCJ - as that's all we can do on debt

the UK will be a far wealthier place.

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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