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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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lowell PAP letter of claim - old Studio CAT debt - balance all charges


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The process is very similar to PPI claims or Mortgage claims....look at some of those threads to get an idea of how to lay out your particulars.

 

As for chances of winning...depends how thorough you make your claim and do your research...and what judge you get on the day.

We could do with some help from you.

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Thank you Andyorch

 

I am hoping to make a start tonight so will start on those thread areas you mentioned – is there a particular wording I need to use for the ‘Particulars’ or do I just simply plead our case?

 

Kind regards

 

Maudy

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You will see the particulars they have used and reasons...simply adapt

We could do with some help from you.

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Hi Andyorch

I've been a busy bee trying to gen up on everything!

 

I have trawled the forums for POC help, but most of the ones i found were companies taking people to court rather than the other way around

 

- i found one which i have attempted to adapt and would be really grateful if you could take a look over it and guide me a little (pleasseeee).

 

I am just a bit stumped on the last part

- i hopefully marked it in red (And the Claimant claims onwards).

 

I can't work out which figures to add in,

as i have two spreadsheets (one for compound interest and the other for statutory).

 

I also read on the thread i adapted it from that the POC may require certain wording if the charges are older than 6 years

- the first charge was 2009.

 

I'd really appreciate your help

- i've tried so hard to find the info but this is hopefully the last hitch.

Huge thanks again - Maudy

 

BETWEEN

 

Maudys hubby

 

Claimant

 

and

 

Studio – Express Gifts

 

Defendant

 

PARTICULARS OF CLAIM

 

1. The Claimant entered into an agreement with the Defendant on or around 13/12/2008, whereby the Defendant was to advance credit facilities to the Claimant under a running credit account, Account no xxxxxxxxxx .

 

2. The Agreement essentially consisted of the Defendant providing the Claimant with a credit account (mail order goods) which would allow the Claimant to make purchases in advances on credit via mail order. In return the Defendant was entitled to charge interest at the published rate.

 

3. The Agreement was a Regulated Agreement for the purposes of the Consumer Credit Act 1974.

 

4. At all material times the contract was subject to the Defendant’s standard terms and conditions which could be varied from time to time.

 

Summary

 

5. Throughout the course of the Agreement, the Defendant has added numerous penalty and default charges to the Account for the Claimant’s failure to make the minimum payment on the due date

– the majority of which were added during a period of agreed reduced payments and despite the Defendant being fully aware of the financial difficulties the Claimant was experiencing.

 

6. The default charges were applied in accordance with the standard terms of The Agreement which were:

a) A penalty payable on breach of contract and thus unenforceable: and

b) An unfair term under the unfair terms in Consumer Contracts Regulations 1999 and therefore not binding on the Claimant.

 

7. The Claimant is accordingly entitled to repayment of the sums wrongly added to the Account.

 

And the Claimant claims;

 

(1) A declaration that the sums totaling £xxx.xx plus interest in restitution of £xxxx have wrongly been applied to the Account plus court cost of£xxxx.

 

(2) Interest under section 69 of the County Courts Act 1984 at the rate of 8% per annum on the amount claimed daily rate of £xx.xx per day until judgment or sooner payment

 

(3) Section 19 (1) (2) is as below:

 

I declaration that adverse data reported about the account by Credit Reference Agencies be removed as the amounts so reported are inaccurate due to the inclusion of unlawful penalty charges.

 

I believe that the facts stated in these particulars, comprising of X pages, are true.

 

Dated

 

Signed

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What is (3) Section 19 (1) (2) ?

 

I would rethink the term " Declaration " you dont want anything declaring...simply refunding and adverse information removed (you may struggle with that one but worth a go)

We could do with some help from you.

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Hi Andyorch

The section 3 stuff im not sure about

- the thread i found it on was titled 'Help with starting a County Court claim for Charges on Argos card.' I have probably cocked that bit up by copying what was there

 

- my understanding of this is poor I'm afraid and i'm becoming increasingly anxious that i'm not up to it

- which is sad because i dont see how they will be able to wriggle out of it.

I just wish i had the knowledge i need to get started...

 

do you think calculation sounds better than declaration?

 

Just to explain

- my last claim for penalty charges was back in 2007 and although it was 3k worth of success my health isnt what it was back then

(i am disabled and have chemotherapy twice a week for an immune system disorder)

 

please excuse my witterings, endless Q's which may seem repetitive or annoying

- i really dont mean to be i just dont recall the details from back then.

 

If there was somewhere i could go to pay someone to sort it on our behalf i would!

Hope that explains things lol

 

Maudy x

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Hi Andyorch

The section 3 stuff im not sure about - the thread i found it on was titled 'Help with starting a County Court claim for Charges on Argos card.' I have probably cocked that bit up by copying what was there - my understanding of this is poor I'm afraid and i'm becoming increasingly anxious that i'm not up to it - which is sad because i dont see how they will be able to wriggle out of it. I just wish i had the knowledge i need to get started...

 

do you think calculation sounds better than declaration?

 

This is the thread you are basing your particulars on....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?438906-Help-with-starting-a-County-Court-claim-for-Charges-on-Argos-card./page9

We could do with some help from you.

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And the Claimant claims;

 

(1) The sums totalling £xxx.xx plus interest in restitution of £xxxx plus court cost of £xxxx.

 

(2) Interest under section 69 of the County Courts Act 1984 at the rate of 8% per annum on the amount claimed daily rate of £xx.xx per day until judgment or sooner payment

 

(3) Any adverse data reported about the account to Credit Reference Agencies be removed as the amounts so reported are inaccurate due to the inclusion of unlawful penalty charges.

 

 

I would run with the above...but I dont hold out much hope for 3.

 

Andy

We could do with some help from you.

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As for (1) and (2) which spreadsheet do i use to complete those amounts? I have completed a compound interest calculation plus penalty fees redress which dx kindly assisted with...but im unsure as to which one i use to complete the blanks. sorry :-(

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1.would be the standard statin sheet and 2 does not require one...you simply add 8% sec69 interest when you submit your claim and MCOL does it for you.

We could do with some help from you.

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Hi Andyorch

I spent the weekend reviewing the info etc ready to get the claim going this week, I even got hubby to dig out the old PC box in order to retrieve the original letter we wrote asking for reduced payment etc.

 

The letter we wrote back in Dec 2012 was a standard change of circumstances letter requesting that they accept no payment at that time as our income/expenditure sheet showed no surplus income. From trawling back over the replies i wrote they responded Dec 19th and said the lowest amount they could accept was £13 per month and that all default sums/charges would be frozen if we accepted their offer.

 

We replied to say we would make the payment before the 15th of each month - their most recent correspondence in May 2017 states that the agreement (and they say they provided this along with terms and conditions in Feb 2013 - i cant find the copy :-() we made was for payment every 28 days and as we haven't adhered to that we are breaching that agreement and they can place the charges on the account.

 

My concerns are that as i don't have a copy of their offer letter - do i really have a leg to stand on? Will the docs they refer to be used against us? And do you think it still worth pursuing? Is there any way i can request such a copy at this stage?

 

Apologies for all the Q's....

 

Maudy

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Maundy...with or without the letter...the reality is if you breach an agreement then you default on the agreement and the T&Cs of that agreement kick in which you agreed to when signing up to use the account agreement.

 

Its their letter of 19th Dec accepting your proposal thats important (is this the one you have no proof of)?...not the May 2017 stance.

 

Making a claim for unfair charges is always a gamble...the amount involved the particular creditor on what basis you make the claim... must all be taken into account.

 

The whole ethos is to make the threat...see how they react....but as we always advise do not make that threat if your not prepared to follow it through.

We could do with some help from you.

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Hi Andyorch,

I totally understand

- unfortunately it is their letter of 19th Dec 2012 i can't locate,

I only know the precise date as i have gone back through this old PC yesterday.

 

This was our reply to their letter dated 19th Dec 2012.

 

Thank you for your letter dated 19th December 2012.

Please find enclosed a cheque for the accepted amount of £13 which I will ensure is with you by the 15th of each month.

Thank you so much for your help and understanding during this difficult time.

 

We must then have received a further payment demand as the next response we sent was this:

 

Thank you for your letter dated 2nd February 2013 – ‘Overdue Account Notice’.

 

Please can you explain why I have received repeated phone calls from your company when you have made an agreement to accept payments of £13 per month until we are back on our feet?

 

Your letter dated 19th December clearly states that so long as I accept your offer of the reduced payment plan then all further default sums and service charges will be placed on hold yet they have been applied to my latest statement number 47. I

 

confirmed acceptance of your proposed payment plan in writing by letter dated 4th January 2013 and also enclosed a cheque for the first instalment which I know you have received as the cheque left my bank account on 18th January 2013.

 

We are experiencing huge financial problems at present and my wife is undergoing chemotherapy for an immune system condition

– I would really appreciate your help rather than demands for payment and extra charges which you have previously agreed to waiver.

Please advise as soon as possible.

 

Payments were then sent by cheque each month

but as they say we didn't adhere to their 'every 28 days'

- the balance is now mostly made up of charges and default sums.

 

 

I totally understand that they think we have breached their T&C's but payments were made each month.

 

 

We queried the reasons why charges kept on being added but didn't receive any response until we queried for a second time in October 2016.

 

Are we within rights to request copies of these doc's now or is it too late?

I know its all a risk but i need to minimise that as much as poss if we can

- alternatively we just make Moorcrap an offer i guess?

I just dont want to pay out court fees if ive not covered everything.

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" alternatively we just make Moorcrap an offer i guess? "

 

Absolutely not...that wont achieve anything......having not read the thread completely...if the account is now terminated and in the hands of a DCA I wouldn't do anything..including issuing a claim.

 

Studio dont do court.

 

Andy

We could do with some help from you.

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Ah ok

- wow thank goodness I didnt chuck over £400 at it :-(.

What would you advise on the next course of action then,

my main concern is the negative impact on hubbys credit rating.

 

 

I have no objections to paying the account but as the balance is mostly charges we are in no better position than we were 4.5 years ago when we asked them to freeze interest/charges.

 

 

Moorcroft are hounding us for payment/contact

- i expect that as they probably aren't aware we have this dispute.

 

Thank you again for your help Andyorch - its very much appreciated.

 

Maudy

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Paying it wont make the credit file any better..the default remains on file until its 6th anniversary..paid or unpaid.

 

So do nothing and wait until Studio make their next move...they may assign it to a DCA who then maybe litigate and you can defend and use the full facts of your intended claim.....if they dont then 6 years and its statute barred anyway.

 

Regards

 

Andy

We could do with some help from you.

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

 

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the debt has already been default they cant harm his Credit file anymore than that

 

 

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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  • 1 year later...

Hi all,

I know its been a while since i posted but i'm in need of some advice again i'm afraid and I'm hoping you guys can help given you know the history of this.

 

The account has now been assigned to 'Lowell' and now Lowell Solicitors which i assume are one and the same??

 

they are now threatening to take us to court regarding the outstanding balance on the account £1000,

(which you may recall is made up of penalty charges and interest - they owe us far more than we owe them!!

but i believe from others experience Studio/Express Gifts are notoriously difficult to take to court successfully and i dont know if im up to it).

 

latest letter consists of a letter of claim,

particulars of debt and then a reply form which asks info such as 'do you owe the debt?'

'i don't owe any more than this because...'

'i dispute the debt' etc .....

 

Can anyone advise what to do next?

 

I can't risk a CCJ...

but i haven't responded to these and the letters are getting stronger :-(

 

Thank you

 

Maudy

Edited by dx100uk
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title updated

 

you need to follow post 4 here.

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?170-Financial-Legal-Issues

 

put for the reason you dispute it is that the balance is solely made of unlawful penalty charges

 

inc a copy of your spready's

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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We could do with some help from you.

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

 

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thanks andy wrong link oppss..:madgrin:

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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