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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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Insurer declines cover for gardener suing for injury


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My sister received a letter this week from a solicitor advising that their client will be seeking recompense for an injury which he suffered in June 2015. This was the first she knew of the injury.. she uses an established gardening firm and this person was one of his employees.

As instructed by the solicitor she passed the letter to her house buildings and contents insurers. They have declined outright to deal with the matter. They say there is no cover for such matters but her policy includes public liability. They say it's the gardening firm who should deal with it.

Any advice

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How was the gardener injured?

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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My sister received a letter this week from a solicitor advising that their client will be seeking recompense for an injury which he suffered in June 2015. This was the first she knew of the injury.. she uses an established gardening firm and this person was one of his employees.

As instructed by the solicitor she passed the letter to her house buildings and contents insurers. They have declined outright to deal with the matter. They say there is no cover for such matters but her policy includes public liability. They say it's the gardening firm who should deal with it.

Any advice

 

I think there is a little bit of misunderstanding here. All the Insurers are saying is that the liability issue described does not appear to be something they can help with, as there does not appear to be any negligent act by your Sister to cause this gardener to have suffered any injury.

 

Buildings cover liability is in respect of the house owner say not maintaining the house and a defect causes injury to a third party.

 

Contents cover liability is in respect of house occupiers, personal liability, liability to domestic employees. So if your Sister under the contract actually employed the gardener, if she was responsible for the gardener getting injured, then this section should assist with any proven liability.

 

Be aware that the gardeners Solicitor may issue a court claim against your Sister, if they believe they have a case. If this happens, then your Sister should make her Insurers aware of this urgently and do what they ask. They should ask her to forward it on to them and they will deal with it. They will defend the claim on your Sisters behalf.

We could do with some help from you.

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I think that the gardener amy have tried to claim from the employer's insuracen but was declined so taking a chance bu trying it on with OP. Either way the gardener should be claiming from the employer and nto from the OP. Probably one of those injury claims lawyers chancing their arm.

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I think there is a little bit of misunderstanding here. All the Insurers are saying is that the liability issue described does not appear to be something they can help with, as there does not appear to be any negligent act by your Sister to cause this gardener to have suffered any injury.

 

That's not how I read it.

 

It seems like the insurer is refusing to indemnify as the claim isn't for something that is covered by their policy.

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That's not how I read it.

 

It seems like the insurer is refusing to indemnify as the claim isn't for something that is covered by their policy.

 

Who knows, as malinmaid has not come back and they are only going by what their sister told them.

 

I was trying to read between the lines, that a Home Insurance covering a households liability against third party claims, is unable to help with an incident because what has been described is not covered by the policy. Claim lacks merit and not that the policy excludes liability to employees contracted by the home owner e.g a gardener, cleaner.

We could do with some help from you.

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Sorry, for not replying sooner. Very ill 91 year old mother as well.

My sister knew nothing of the incident. I read the solicitors letter. It's the usual " on or about" an injury occurred. You are liable. Forward this letter to your insurers. She did. They said they don't offer cover for such an incident. It's up to the employers own liability insurance . She doesn't understand why the claim has arrived with her as she also thought this reputable gardening firm who have continued to maintain her garden , with no warning of danger, would have insurance to cover this.

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I think there is a little bit of misunderstanding here. All the Insurers are saying is that the liability issue described does not appear to be something they can help with, as there does not appear to be any negligent act by your Sister to cause this gardener to have suffered any injury.

 

Buildings cover liability is in respect of the house owner say not maintaining the house and a defect causes injury to a third party.

 

Contents cover liability is in respect of house occupiers, personal liability, liability to domestic employees. So if your Sister under the contract actually employed the gardener, if she was responsible for the gardener getting injured, then this section should assist with any proven liability.

 

Be aware that the gardeners Solicitor may issue a court claim against your Sister, if they believe they have a case. If this happens, then your Sister should make her Insurers aware of this urgently and do what they ask. They should ask her to forward it on to them and they will deal with it. They will defend the claim on your Sisters behalf.

The insurers haven't made any investigations regarding the incident. They don't know what happened. She could have had a bear pit in her garden. They aren't interested in the circumstances. Straightforward " nothing to do with us"

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The insurers haven't made any investigations regarding the incident. They don't know what happened. She could have had a bear pit in her garden. They aren't interested in the circumstances. Straightforward " nothing to do with us"

 

Think your Sister will now get a further letter from the Solicitors.

 

My gut instinct is telling me that this gardening company don't actually employ the gardeners and have no Insurance for them. Each gardener is self employed and the home owner is contracting with the gardener. The gardener has already looked into Insurance cover from the gardening company and there is none. It is then referred to Solicitors or one of these no win no fee companies and they write to your Sister, without providing information.

 

IF the Solicitors write again, your Sister should contact her Insurers again. Home Insurance does include liability cover, but the third party looking to claim needs to explain why your Sister is liable.

We could do with some help from you.

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Sorry, for not replying sooner. Very ill 91 year old mother as well.

My sister knew nothing of the incident. I read the solicitors letter. It's the usual " on or about" an injury occurred. You are liable. Forward this letter to your insurers. She did. They said they don't offer cover for such an incident. It's up to the employers own liability insurance . She doesn't understand why the claim has arrived with her as she also thought this reputable gardening firm who have continued to maintain her garden , with no warning of danger, would have insurance to cover this.

 

As I thought.

 

We need to know exactly what the accident circumstances were.

 

You'll then need to very carefully check the T&Cs of the insurance policy.

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As I thought.

 

We need to know exactly what the accident circumstances were.

 

You'll then need to very carefully check the T&Cs of the insurance policy.

She doesn't know. She wasn't advised of an incident at the time -June/July 2015. Late summer 2015.- September, I think, the owner of the gardening firm asked her if she had had a letter from a solicitor. She said "no- what for?" He said oh he must be going through my insurance. That was that. No complaint about a danger in the garden, no suggestion of any danger. He has worked on her garden for 10 years plus.

Friday a week ago she got Solicitors letter- no details of injury or circumstances - just forward to your insurers.

She is very stressed to find her public liability insurance doesn't seem to be her safety net.

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She doesn't know. She wasn't advised of an incident at the time -June/July 2015. Late summer 2015.- September, I think, the owner of the gardening firm asked her if she had had a letter from a solicitor. She said "no- what for?" He said oh he must be going through my insurance. That was that. No complaint about a danger in the garden, no suggestion of any danger. He has worked on her garden for 10 years plus.

Friday a week ago she got Solicitors letter- no details of injury or circumstances - just forward to your insurers.

She is very stressed to find her public liability insurance doesn't seem to be her safety net.

 

It should be her safety net, but so far no liability has been proven, so nothing for Insurers to respond to.

We could do with some help from you.

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It should be her safety net, but so far no liability has been proven, so nothing for Insurers to respond to.

 

 

That's not what the insurers are saying though.

 

They're saying that the accident circumstances aren't covered by the policy, therefore there won't be any assistance or investigations from them and certainly no financial safety net.

 

It's vital to find out the precise accident circumstances from the OP.

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Think your Sister will now get a further letter from the Solicitors.

 

My gut instinct is telling me that this gardening company don't actually employ the gardeners and have no Insurance for them. Each gardener is self employed and the home owner is contracting with the gardener. The gardener has already looked into Insurance cover from the gardening company and there is none. It is then referred to Solicitors or one of these no win no fee companies and they write to your Sister, without providing information.

 

IF the Solicitors write again, your Sister should contact her Insurers again. Home Insurance does include liability cover, but the third party looking to claim needs to explain why your Sister is liable.

Thanks. This is a small village and the Garden Firm is long standing. My sister engages the firm, not the individuals who have changed regularly over the past 10 years..

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So what is the purpose of the liability section of house insurance policies? If my sister deals with this privately through courts are the insurers then liable for any awards to OP

 

We still have no idea what happened.

 

But if the accident isn't something that is covered by the insurance for whatever reason then the insurer won't be making payments to anybody and the homeowner will be personally liable.

 

That's why we need to know the exact accident circumstances and details of the insurance policy.

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That's not what the insurers are saying though.

 

They're saying that the accident circumstances aren't covered by the policy, therefore there won't be any assistance or investigations from them and certainly no financial safety net.

Only if the claimant can prove negligence on the part of the homeowner. The TV ads may like to give the impression that there's a possible easy personal injury claim round every corner but individuals tend to defend. That's why these claims companies like a nice easy insurer or public body who will pay out up to a certain level without question.

 

Do they have more information than the homeowner? If they only have the letter forwarded to them then they're as much in the dark as everyone else and the situation is as described by unclebulgaria in post 15.

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Only if the claimant can prove negligence on the part of the homeowner. The TV ads may like to give the impression that there's a possible easy personal injury claim round every corner but individuals tend to defend. That's why these claims companies like a nice easy insurer or public body who will pay out up to a certain level without question.

 

Do they have more information than the homeowner? If they only have the letter forwarded to them then they're as much in the dark as everyone else and the situation is as described by unclebulgaria in post 15.

 

I don't know what red top newspaper you've been reading but absolutely no insurers have a policy to payout automatically up to a certain level. That's a fallacy.

 

Liability has nothing to do with indemnity and if the insurance policy covers the claim. As things stand we've been told that it doesn't so the homeowner will have to either defend the claim themselves or pay privately for solicitors to do it.

 

However, once the Claimant finds out there is no insurance policy to pay out any potential settlement they may not bother continuing.

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Op, the best thing to do would be to dig out the full insurance policy documents and read them. The policy will tell you what is covered and what is not covered.

 

You need to find the bit which talks about public liability/third party claims and read it to see whether you are covered.

 

If you are covered, you will need to go back to the insurer. If you are not covered, as Ganymede said your sister would be personally liable and would need to defend the claim herself.

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I find it difficult to believe that a standard Home Insurance does not cover liability to third parties including gardeners contracted . But agree that we need to know the policy wording and what situation is being claimed for.

 

Perhaps the gardener suffered an injury and it has already been considered by the employers Insurance, without a claim being paid. It has taken over a year for the homeowner to be contacted, so something may have gone on since that time. It could be that the employer had no responsibility for any injury suffered by the gardener, as they had provided all necessary training and equipment. The gardeners Solicitor is therefore pointing to something the homeowner has done or not done leading to the injury being suffered.

 

Depending on what is found out about the gardeners claim, it might still be possible for the Home Insurers to deal with the claim. If the Home Insurance also includes legal expenses cover, they can help with that.

We could do with some help from you.

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I don't know what red top newspaper you've been reading but absolutely no insurers have a policy to payout automatically up to a certain level. That's a fallacy

 

Try Octagon insurance.

They paid out £4.9k to a false claim despite me warning them that the "accident" was a light touch bumper to bumper without even a scratch and the apparently injured woman insisted on £250 cash there and then to avoid insurance claim.

I even told them where she worked but they accepted that she needed 6 months off work to recover despite never taking a day off (?!?!)

All in 3 weeks.

Apparently when claim is under £5k they don't investigate.

Nice earner!

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