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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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House repossessed, proceeds still not received


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My home was repossessed by Acenden for SPML last April, and the sale completed on 28 November 2016.

 

I have still not received the residual proceeds, amounting to >£133,000.

 

Am I entitled to interest on this since the date of completion?

I'm severely disabled, in temporary accommodation and my health, already known by Acenden to be very poor, is suffering.

 

I need to buy a new home, I'm of an age where I'm eligible for an equity release mortgage, and there are much cheaper places to live than here.

I desperately need to get out of here.

 

Having read CAG Guide,

can I sue Acenden for breach of the FCA Code of Conduct?

 

It's a heavyweight document and would take me a long time to search for any pointers. Please, could someone at least point me to the section of it I need to read to find out?

 

TIA.

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Hi Tabbymog and Welcome to CAG

 

Its a little quiet at this time of year but im sure you will get some advice shortly.

 

Personally I would be considering seeing a Conveyancing Lawyer with view to issuing a claim...because of the amount involved you need good solid legal advice before taking this step and with the correct approach it may not be required.

 

Regards

 

Andy

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Hi Andy

 

Thank you for your reply.

 

 

I’ve instructed a solicitor for the future conveyancing and completed the identification procedures

– this was before Christmas.

 

 

The solicitors will also be drawing up my Will and acting as my Executors when the time comes.

We’ve agreed all this.

 

 

I have no family and all my close friends live in continental Europe, so it’s all necessary.

 

 

Do you know how difficult it is nowadays for a little greyhaired old lady off the street to find a solicitor who will act for her without an existing client able to vouch for her?

Such disrespect.

 

 

If there’s a forum for this I can name two firms of respected solicitors who gave me the bum’s rush without even bothering to consider that helping with a smaller issue could lead to further work, and that ........ people talk about their experiences.

 

 

When I was younger I had an ambition to be a cantankerous, independent old bat when I retired, a mad cat lady. I think I’ve achieved that ambition, despite being severely disabled, and I definitely have the mad cat.

 

The situation is a lot more complicated I've said so far.

Dentons, the solicitors acting for Acenden who are holding the sale proceeds, said they needed proof of my identity from a solicitor acting for me before they could release the sale proceeds.

They had this proof before Christmas and I still haven’t received the money.

 

 

I actually don’t believe that they needed this proof as they were acting for the mortgage lenders and instructions from the mortgage lenders to send the money to my bank account is all that was needed.

 

 

I have quite a lot of experience as a conveyancing secretary and although there have been some legal changes since I last worked in the field, I believe this is still true.

 

The problem is Acenden, they are incompetent and very poor communicators.

I’d better hold back my opinions of their honesty in a public forum.

 

 

They made sure they instructed Dentons to redeem their client’s mortgage, but they didn’t actually authorise Dentons on the two equitable charges on the property

– they did that after legal completion of the sale, which was on 18 November, 28th was a typo.

This is crazy and they have no excuse for letting it happen.

 

 

Dentons are also to blame for apparently not reading the office copies of the title.

Solicitors have a statutory duty of care to third parties not their client but who are directly affected by their actions in service of their client. That definitely includes me.

 

After studying the CAG Guide again, especially Chapter 4.

I listed all my complaints about Acenden’s behaviour since the repossession, their effect on my health and disabilities, did some more research on the Web, and came to the conclusion that I have a valid claim against them for breach of their statutory obligations to treat me fairly enshrined in the FCA’s Guide to Conduct Rules.

 

 

I’ve sent them a letter before action by email this morning which will be backed up by special delivery when the Post Office reopens tomorrow.

 

 

I took note of all the advice in the Guide about how to bring a claim,

thought it all through,

and was very careful,

polite and thorough in itemising all my heads of claim (five) and detailing their failures and consequences for me separately under all of them.

 

 

I was also very clear about what I want and when I want it by.

I won’t post those details in this post, probably later.

 

I’m currently reading (again) the Practice Direction for pre-Action conduct.

I’ll report back on the responses I get from Acenden and Dentons, if any.

 

 

Now that I’ve decided on a claim, I feel energised and organised, and that I have a bit of control, quite amazing. We’ll see.

 

 

Thank you for the Guide, it’s brilliant.

 

 

Having some relevant legal background helps with this, but the Guide is what made my mind up about actually doing it.

 

 

I also have litigation background too, in a different century.

I can’t file this claim online because I’m eligible for help with fees.

 

 

I have maximum award of Disability Living Allowance and don’t have a carer or claim care allowance, so I get paid Severe Disability Premium instead, which is paid as Pension Guarantee Credit.

 

 

I need to make sure I preserve that entitlement in whatever I do in the future.

 

More in a few days.

 

Cheers.

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Thank you for your reply!

 

The figure for interest used to be 4% over MLR calculated daily.

 

 

Now that MLR is so low a higher figure than 4% seems reasonable.

Thank you for the info.

 

 

I can't imagine how a commercial company should get themselves into this situation;

they don't even seem capable of instructing solicitors properly, and Dentons don't seem capable of explaining to their client what they need to do to get the job done properly and professionally.

 

 

With a registered title completion is only paperwork and electronic banking.

I used to do it myself.

The only complicated bit comes before exchange of contracts on the purchaser's side.

It's a good thing I have legal expenses insurance, with DAS.

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8% per annum, pursuant to section 69 of the County Courts Act 1984, from the date payment was due to the date of judgment...no connection with MLR. Period of interest runs “for all or any part of the period between the date that the cause of action arose” and the date of payment or the date of judgment.

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Thank you for that. I was thinking in terms of the way interest is (maybe was) calculated on conveyancing transactions that fail or stall for some reason after contracts have been exchanged. The Law Society standard contract irefers to a specific percentage over MLR, as did many commercial contracts I've seen.

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no, that is between the purchaser and Acendon (or whoever), you get what is called interest at taxation and that is what the HMRC and courts use and is currently 8% simple interest per annum. So, if they delay and you take them to court they owe you £28.49 a day from the day they should have paid you until they settle. So work out what the backdated amount is and then say £130000 capital pluse interest @8% so £3000ish interest and £28.49 per day until settled.

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Thankyou Ericsbro, I really appreciate it. I did find a page on the gov. website that showed how it was calculated and it's clear it was simple intereset, I was wondering whether it was compound or simple. Now it's wait and see until Friday.

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The sale proceeds, but no interest, arrived in my bank account today. I looked at 1pm and only saw the usual stuff. I received an email at 4.28 p.m. saying the proceeds had been sent. £134,658.85 is there. I've emailed the solicitors saying that to avoid immediate issue of legal proceedings they need to pay me the interest by the deadline of Friday 6 January. We'll see.

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Doubt you will get any interest...section 69 is only applicable to court judgments.

We could do with some help from you.

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You mean they can refuse to pay a large lump sum to its rightful owner for no good reason, and not pay interest on it? Doesn't the Law of Property cover something like that?

 

It's about 10 years since I did any conveyancing work and an issue like that didn't come up in relation to this situation. I'm going to be suing Acenden for damages anyway for their breaches of the FCA's Conduct of Business Rules under several headings including severe damage to my physical, emotional and mental health - I'm severely disabled and the archetypal eggshell plaintiff.

 

I’ve been denied the opportunity to find myself a home that can be adapted to my needs for an unreasonable amount of time while being forced to live in accommodation that has features that cause further damage to my spine. I don't expect they'll agree the kind of figure I have in mind in negotiations but that figure is well researched.

 

Not paying someone money for 44 days days after it became due definitely is a breach of those FCA Rules. The FCA introduced those Rules after 2008 and take them very seriously, most especially the 'Fair Treatment' Rules which I intend claiming for breaches of. They'll pay interest one way or another.

 

So far they've refused to account to me for the payments they've made out of money that's otherwise mine and have even refused their solicitors permission to send me copies of the accounts. The ****** are going to get thoroughly sued.

 

To get me to abandon strongly held principles when I don't know yet what my physical injury amounts to although I know it's serious; when I can't quantify my losses in terms of loss of property through not being allowed back into the house after the repossession until I have unpacked in my new home, that's a very high bar for them to get over.

 

I already know that £1,100 worth of camera equipment was stolen on the day of repossession; a £300 Bluetooth streamer that pairs with my hearing aids has gone missing; the movers who brought some of my property to my present accommodation smashed a £1000 computer monitor, a £400 scanner and a £200 printer. All that has to be accounted for and repaid plus whatever I find is missing later on that I can produce receipts for, which is 95% of everything I own.

 

Oh yes, Acenden are going to get thoroughly sued and I have DAS legal insurance cover for that. I’ve already spoken to DAS about this and am complying with their requirement for me to follow the Court’s pre-action protocols before issuing proceedings.

 

In these circumstances where my health and wellbeing are demonstrably suffering to the extent that I can no longer manage my disabilities and look after myself properly, the short deadlines I’ve given Acenden are entirely justifiable.

 

Did I say Acenden are going to get thoroughly sued? Acenden are going to get thoroughly sued, successfully.

 

Cheers. :-)

Edited by honeybee13
Inappropriate language removed by andyorch, paras added by HB
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All very true ...but unless you ask for it legally by way of a court claim and attain judgment...they wont go out of their way to offer it.

We could do with some help from you.

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That is exactly what I want - justice.

 

Without you knowing what my disabilities are and the effects Acenden's multiple failures have had on me you can't know whether I probably have a case or am just blowing hot air.

 

I have a case. DAS know my situation in detail and are happy for me to go to the next stage taking action myself. The insurance will kick in when they are satisfied I've given Acenden enough time to show whether they're going to negotiate reasonably or not. DAS are happy that my situation justifies these short deadlines.

 

If the interest arrives in my account by this Friday the deadline for agreement on damages becomes 27 January, with payment five working days thereafter. If the interest doesn't arrive by Friday, I file the claim next Monday.

Edited by honeybee13
Paras.
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They dont owe any interest as there is no cause fro action by you over this matter. When suing them for the stolen/broken items you should name the shifters as co-respondents so they have the opportunity to use their insurers to settle. Wont give you the same satisfaction but that is not something that is within the court's remit anyway.

The sale proceeds, but no interest, arrived in my bank account today. I looked at 1pm and only saw the usual stuff. I received an email at 4.28 p.m. saying the proceeds had been sent. £134,658.85 is there. I've emailed the solicitors saying that to avoid immediate issue of legal proceedings they need to pay me the interest by the deadline of Friday 6 January. We'll see.
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I've laid out very carefully and completely the injuries and distress they've caused me. I have the correspondence they've refused to answer. I have the medical evidence. I don't care whether that £1200 or so is called 'interest' or not. I don't care who pays the damages, I'd expect it to be their insurers, it's not my concern. I have a cause of action, my insurers are satisfied with that. Your own Guide makes much of the power the FCA's Conduct of Business Rules gives the service user. Have you read it? I'm following its advice carefully. I'll let you know the outcome in due course. I've done a lot of litigation work, from PI to ADR construction claims as well as conveyancing so I have a good background as to process and proving a case.

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Tabbymog with the greatest respect I think you seem to be taking the advice given wrong and out of perspective.

 

We appreciate everything that you have suffered and are suffering at the hands of this outfit and we accept all the posts/points and work you have done...and quite rightly so.

 

All we are advising is that until such time a claim is issued and you get judgment and request interest within your particulars of claim...dont expect any interest being paid from them.

 

They are not subject to section 69 of the County Courts Act 1984 until you have a judgment nor is there a cause of action...and therefore not legally obliged to offer or pay it.

 

Regards

 

Andy

We could do with some help from you.

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Post unapproved.....please watch your attitude or you will be put you on moderation.

 

Andyorch

We could do with some help from you.

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Having read the unapproved posting I was surprised the OP came to a self help Forum!

 

If you are not prepared to consider advice given here by people freely and unbiased why bother. Even if you do not heed what is posted it very often gives one a different perspective to ones own which has been very helpful to me asking for advice on here.

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  • 4 weeks later...

Tell your solicitor that, since being bought out of administration in January 2015 by part of the giant equity group BlackRock, Acenden ceased to have locus standii (no longer had "skin in the game") to instruct solicitors in possession proceedings against anyone with an SPML-originated mortgage. That they continued to do so is, I believe, contempt of court and worse.

 

Edited to add: and their solicitors are in contempt for accepting Acenden's instruction in possession proceedings after January 2015 against borrowers with SPML-originated mortgages.

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