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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 Claimform - Old shop direct CAT Debt***Claim Dismissed***


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Good morning.

 

This morning my wife has received a claim form from the county court business centre.

 

I have been reading up and would thus be the correct process to challenge the debt?

 

 

The POC is as follows-

 

The defendant entered into a consumer credit act 1974 agreement with shop direct under account reference Xxxxxxxx (the agreement)

 

The defendent failed to maintain the required payments and a default notice was served and not complied with.

 

The agreement was later assigned to the claimant on 01/07/2011 and notice given to the defendant.

 

Despite repeated requests for payment, the sum of £2827.72 remains due and outstanding.

 

 

And the claiment claims

 

the said sum of £2827.72.

 

interest pursuant to s69 county court act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.620, but limited to one year, being £226.22.

 

Costs

 

So therefore if i send a CPR 31.14 to lowell solicitors limited which is on the claim form this would be requesting them to send me all the documents that relate to the agreement that they are claiming for??

 

And also will need to complete and acknowledge of service online?

 

Regards, dave.

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Hi dave I have moved your thread to the Financial Legal Issues in view of the claim form received,

 

Please read the following link which will explain the process and what you need to do.

 

Copy and paste the Qs and your responses back here so we have all the relevant history of the debt and answers in one post.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

 

Regards

 

Andy

We could do with some help from you.

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Thanks mate

 

Name of the Claimant ? Lowell portfolio Ltd

 

Date of issue – 22 Feb 2017

 

What is the claim for – the reason they have issued the claim?

 

1.The defendant entered into a consumer crediticon act 1974 agreement with shop direct under account reference Xxxxxxxx (the agreement)

 

2.The defendent failed to maintain the required payments and a default notice was served and not complied with.

 

3.The agreement was later assigned to the claimant on 01/07/2011 and notice given to the defendant.

 

4.Despite repeated requests for payment, the sum of £2827 remains due and outstanding.

 

And the claiment claims

 

the said sum of £2827

 

interest pursuant to s69 county court act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.620, but limited to one year, being £226.22.

 

Costs

 

What is the value of the claim?

Amount claimed 3053

Court fee 185

Legal costs 80

Total amount 3318

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? The claim is from a catalogue (shop direct group)

 

When did you enter into the original agreement before or after 2007? Not 100% sure but either 2007/8

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to debt purchaser lowell.

Were you aware the account had been assigned – did you receive a Notice of Assignment? I believe she did

 

Did you receive a Default Notice from the original creditor? I believe she did.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not too sure.

 

Why did you cease payments? I think it was about January 2011 but again not 100% sure

 

What was the date of your last payment? Possibly January 2011

 

Was there a dispute with the original creditor that remains unresolved? No.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? I don't believe so no.

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" So therefore if i send a CPR 31.14 to lowell solicitors limited which is on the claim form this would be requesting them to send me all the documents that relate to the agreement that they are claiming for?? "

 

Correct and also a CCA section 78 request

 

" And also will need to complete and acknowledge of service online? " Correct

 

Andy

We could do with some help from you.

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Just signed her up to noddle. Date of default was 28/06/2011

 

" So therefore if i send a CPR 31.14 to lowell solicitors limited which is on the claim form this would be requesting them to send me all the documents that relate to the agreement that they are claiming for?? "

 

Correct and also a CCA section 78 request

 

" And also will need to complete and acknowledge of service online? " Correct

 

Andy

 

Cheers Andy.

 

Just noticed this on her credit report but we know nothing about this.

It's under the ccj and showing as ACTIVE

 

Name Xxxxxxxxx

Address xxxxxxxxxxx

Judgment date 28/05/2012

Amount £ 690

Court name Northampton Ccbc

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so vanishes may next year.

 

 

theres no harm in ringing SD and asking last payment date.

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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Just realised too that the claim form is in her maiden name, does this make any difference? No

 

And also do I send the cpr to the address for sending documents? Yes and the CCA

 

Regards.

 

Andy

We could do with some help from you.

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Andy

 

Thanks for quick replies Andy, much appreciated.

 

Both letters are now written up and printed ready to be posted.

 

Would it be best to send them both separate and recorded or in one envelope recorded along with the £1 postal order for the ccj request?

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If its recorded...yes thats fine

We could do with some help from you.

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If its recorded...yes thats fine

 

Just a quick update. Relevant forms got posted recorded and I've checked the tracking and it states they were delivered and signed for yesterday, 27/02/17.

 

We have also been online and done the AOS.

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now don't forget to go ring SD and ask last payment date?

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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so vanishes may next year.

 

 

theres no harm in ringing SD and asking last payment date.

 

Sorry must have missed your message the other day.

But there is no details as to what the ccj is for or for whom.

 

And I assume your saying ring shop direct to see when last payment was?

 

Thanks

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wont hurt. to ring SD in case it might be closer to SB if the Default was registered late?

 

 

as for the other CCJ - you have the CCJ number

go ring northants bulk and ask for a copy of 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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Update.

 

My wife today received the following letters from lowell.

 

Not sure if i have attached them ok.

 

One states that the account was actually opened 22nd November 2005, also states that i asked for cca 24th feb 2014 (typo?).

 

Another states that they got legally assigned the account on 11th January 2011

(therefore is this now statute barred as she had not made any payments or arrangements to pay any of this?)

20170302_175549.pdf

20170302_174857.pdf

20170302_174635.pdf

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Notice of assignment then

Won't go anywhere without a signed agreement

But whatever happens don't miss your def date

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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go back and read that link in post 2

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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great work well done!!

 

 

so when was her last payment

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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dave keep the 2 copies of the notice of assignments safe with varying dates that they think they bought the debt...but not really sure...this will prove excellent disclosure for your defence. :wink:

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Sorry for late reply. Her last payment was 11th November 2010.

 

dave keep the 2 copies of the notice of assignments safe with varying dates that they think they bought the debt...but not really sure...this will prove excellent disclosure for your defence. :wink:

 

Yeah I've kept everything together cheers.

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Sorry for late reply. Her last payment was 11th November 2010.

 

Then its statute barred

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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