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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.  
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SallieMae UK statute barred loans and credit report


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Hello,

I have been following this intermittently since I joined last October 2015.

http://www.consumeractiongroup.co.uk/forum/showthread.php?452513-Sallie-Mae-UK-loans-statute-barred-or-not-scotland&p=4934734#post4934734

I am sort of the same situation, though I moved from Scotland to England in 2012.

 

I am not sure which year Capquest via Sallie Mae, are referring to, but I received nothing after 2007-2008 when the loan was started until 2015, from the annoying letters they started sending me that year.

 

I also had something from Arrow, but I have answered nothing for either Capquest nor Arrow.

 

I tried to contact Sallie Mae UK in 2009 I believe but got bounced emails and nothing except something from an address in Canada, which was dead upon my response.

 

So, seeing as how I am now in England, it is 2016, and theoretically the loan would have been statue barred in 2012 whilst I was still in Scotland, what would the advice be from the forum?

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ignore!! both of 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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Thank you for replying KEdin and dx100uk.

 

I will ignore as I have been since early on, and certainly more than 5 or even 7 years ago.

 

KEdin, I believe Sallie Mae UK should have contacted me in 2012 but did not.

 

I was still in Uni early in the year then and did not leave Scotland until that Summer.

I did not receive anything from Arrow nor from Capquest until 2015, as they stated in a letter recently.

 

However, I still believe nothing is valid from them.

I now think the debt is Statute Barred and has been since 2012.

And I agree, we never defaulted because they never asked either of us about this.

 

And it is interesting about the thousands of pounds of interest added to the original principal

– shocking really, and possibly criminal.

 

Does anyone know if adding the interest in this manner might be criminal?

 

I will follow the advice from posts 2-8 and will send the letters as per instructions in the links and will not acknowledge anything as you have done KEdin.

 

I noticed the loan is listed on my credit report however,

being listed from 2015 as having made payments beforehand when in actuality I never did,

nor heard anything from anyone until that year.

Before I send anything, does this credit report entry count for anything?

 

Thank you for all help and advice.

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so at you saying that you did not make any payments to this loan at all LCC?

if so it shouldn't be on your file at all.

who is the loan shown against as the owner? capquest or arrows or SM?

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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Hello dx100uk,

 

I never made any payments at all,

and now I see two loans on my credit record via Noddle,

both dated from 2007;

January and October.

 

I do not remember two loans in the first instance,

secondly, I never made any payments to either loan and both show a default from Nov 2013.

 

I never saw anything until 2015 as previously stated.

firstly from Arrow, then Capquest.

 

These loans are listed in Noddle as being owned by Arrow.

 

I made a dispute with Noddle in January 2016 when I discovered these loans,

but received something back from Noddle saying that I had requested as terms of the loan that no one should able to look at or communicate anything about these loans except for me and the lender

- which of course I never knowingly did.

 

The last update was from 17 Jul on my credit record.

 

So here I am stuck.

 

And as a reminder,

I have received no communication from Arrow recently,

only Capquest, the most recent being yesterday.

 

Still Statute Barred do you think?

 

And do you think I should still follow the advice as above and as KEdin has done?

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might be best you go star a new thread

of your own

 

 

and i'll move these posts over to it

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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posts moved over.

 

 

i'd be writing to arrows

 

 

stating unless they can prove payments

then the debts are extinguished as per Scottish law

and must be removed from your credit file as more than 6yrs has expired with no transactions

 

 

else a complaint and compensation will be sought through the ICO/FOS/FCA

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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Hi dx100uk,

 

I will follow your last advice and assert Statute Barred as per Scottish law and will also prepare complaint and compensation procedure just in case.

 

 

I cannot do this now as I need to be away from end of Aug until mid-Sep, in case I get a Claim Form and am not able to respond within the 14 days and thus unable to avoid a summary judgement (as I will be away).

 

 

I also will need time to prepare a defence in case it would go in this direction.

 

I have looked at the forms from KEdin's thread and the advice on all posts associated and will adjust accordingly, without acknowledging any debt.

 

Thank you very much for your advice and help. I will post when I have heard anything after I submit the letters to Arrow as advised.

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Doubtful youll get a claim form. Theres a whole pre-court protocol they have to follow and theyre likely well aware that its dead and buries

 

I also will need time to prepare a defence in case it would go in this direction.

 

No you dont! Deal with it IF it happens.

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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renegadeimp, Cheers for this advice. Nervousness about all the money they have piled on in interest, fees and potential litigation expense is causing me to think about potential futures. Thank you for the dose of sanity - and reality. I will put things together and post back when all is in motion.

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KEdin, Yes, bizarre indeed. They never asked for anything, and in my case, I asked for things very early on as you may have read. I think Statute Barred is the answer in both our cases. I will continue to ignore things and will sort all the paperwork when I return. I imagine you will wait on their response, but I can imagine it could get a bit dicey soon – or not. Do let me know what happens when the 40 days are over; or I will monitor. It will help me in my situation when I get ready to take them on. And cheers for sharing your experience. Horrible for both of us really.

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  • 9 months later...

Hi dx, Not sure what you mean? Me to post, or KEdin to post? I have not started this SallieMae nonsense again with them yet, but hoped to hear about KEdin's fallout after the last post on 15 Aug 2016. Did I make a mistake in some way with my previous post?

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  • 1 year later...

Hello All,

It has been awhile since I have looked or posted anything.

Nothing has happened on my end for months.

But, I received a letter in the post a few weeks ago from Capquest offering a settlement amount and then a mark in my credit file saying there will have been a partial clearance of the debt and the file closed.

 

Again, I believe this is statue barred.

I have ignored the letters as advised.

 

now, I have just looked at my credit file and have seen marks each month totting up, with a fictional start date, etc... as above. It looks like there is another loan, duplicated, with identical, fictional start and payment dates.

 

I have not done any other action as advised but want to apply for a loan tomorrow but cannot see how I might be successful with this hanging over me.

 

I want to put a dispute on my credit record using the Noddle account saying I do not recognise these accounts but am afraid this violates the "ignore directive" and might show me as recognising this supposed debt in some way.

 

 

 

Any advice on this?

 

 

But, this is good to see Tucoist has been successful with these numpties.

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loancreditcat said:

Hello All,

It has been awhile since I have looked or posted anything.

 

Nothing has happened on my end for months.

But, I received a letter in the post a few weeks ago from Capquest offering a settlement amount and then a mark in my credit file saying there will have been a partial clearance of the debt and the file closed.

 

Again, I believe this is statue barred.

I have ignored the letters as advised.

 

And now, I have just looked at my credit file and have seen marks each month totting up, with a fictional start date, etc... as above.

 

And now it looks like there is another loan, duplicated, with identical, fictional start and payment dates.

 

I have not done any other action as advised but want to apply for a loan tomorrow but cannot see how I might be successful with this hanging over me.

 

I want to put a dispute on my credit record using the Noddle account saying I do not recognise these accounts but am afraid this violates the "ignore directive" and might show me as recognising this supposed debt in some way.

 

Any advice on this?

 

But, this is good to see Tucoist has been successful with these numpties.

 

 

If the information is wrong on your CRF then inform the CRA to correct the information, you can always sue for defamation?

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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