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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Capquest and 17 year old Liverpool Victoria debt, help appreciated


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Hi All

 

I'm new to the forum and this is my first post.

 

Today,

I have decided to take action with 2 old Liverpool Victoria debts,

one was a personal loan taken out in the end of 1999 or early 2000 for 10k over 5 years.

 

 

This was defaulted on around 2002 and payment arrangements made with Liverpool Victoria, then sold to Capquest July 2009.

 

 

I have been paying £12.00 per month by direct debit for years at least since before the debt was sold

Capquest have been adding on large sums of interest and charges, my debt continues to grow.

I believe that I read somewhere on this forum that interest and charges can't be added after the length of the original agreement.

 

The second was for a LiverPool Victoria Credit Card, same story as above but the debt when sold was £2945.27.

 

I'm not sure that PPI was claimed for the credit card i know that it wasn't taken out for the loan

- should i send a PPI request to Liverpool Victoria to start with?

 

I haven't received an annual statement from Capquest since October 2012

and have had no dealings with them since the debt was sold and the direct debit was set up.

They haven't even bothered to ask for an increase

and now I'm inclined to think that's because they don't want to rock the boat.,

 

I am scared of dealing with them as they added a second default for the same debt to my credit file years ago and despite sending off the evidence off the the Credit companies and the Ombudsman it wasn't removed and my credit file is perfect now.

 

I now that it's not statue barred as I have been making payments,

surely they can't me to court for a 17 year old debt,

after spending the afternoon reading some threads on here,

i'm beginning to think there is no paperwork to back up these debts

and the loan was agreed over the telephone,

I do remember that.

 

I'm assuming I CCA request Capquest first

have only been learning information from the site today,

any help and advice would be appreciated on these two debts.

 

Thanks for reading, i hope it's all clear.

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Keep on reading the site to improve your understanding. You are doing pretty well so far.

 

Yes, send CCA requests to everyone and also if you suspect any PPI – even if you don't, then send SARs to get previous statements to see if there are any payments there.

I expect that our team member DX will be along soon and will give you more detailed advice

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CCA request first and foremost, ensure you get ''proof of posting'' which is free from the PO counter.

 

You're being mugged off, and are what is know as a Cash cow, the reason why they're not contacting you is because they know you're easy pickings and will pay forever.

 

IMO, I'd stop paying now all together, they've had more than their fare share of profit out of you.

 

At the VERY LEAST you need to cancel those direct debits, if you want to continue paying them, then set up a standing order, this will stop them emptying your account.

 

Seriously consider stopping paying them anything.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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That's great news and made me more determined to sort this matter out.

 

A quick question, I'm not sure if these debts were in my originally in my single name or married name, the deed of assignment is in my married name but I haven ow reverted back to my single name-I'm assuming legally I should use my maiden name for the CCA's and SAR's?

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Thanks Bazooka Boo, for your input,

after looking at this site I sort of realised why they hadn't been in touch - easy target!

 

 

Do I send the letters to Capquest or Capquest and Liverpool Victoria or both?

Sorry Just clicked on the link it's Capquest.

 

I will post the letters tomorrow and make sure I get proof of posting.

Edited by Roxy201788
Failed to read the link!
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I called Liverpool Victoria to discuss my payment due to a change of circumstances and they advised me and also sent me a letter for both debts confirming this. I also had a letter from Capquest confirming but haven't found this yet, I do have another pile of paperwork to go through but I know that I wouldn't have binned it, so it must be somewhere.

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Well a ''Deed of assignment'' is a confidential document, between two corporations which you won't get sight of.

 

They probably mean 'Notice of assignment' which to be honest isn't worth bothering about.

 

CCA requests, and STOPPING payments to these vultures is your priority!

 

I dread to think how many hundreds of pounds you've wasted paying these chancers.

 

Stay OFF the phone, if they ring, laugh and hang up.

 

Whoever is chasing you, or whoever it is you're paying now, send them the CCA request, enclose the £1 postal order, BUT ensure you leave it blank.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for your reply. They haven't got my phone number or correct address yet as I moved last year and I won't give them any phone numbers, as I still remember those threatening calls in the past from debt collectors.

 

Is there a reason that I don't put a payer on the Postal Order?

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Thanks for your reply. They haven't got my phone number or correct address yet as I moved last year and I won't give them any phone numbers, as I still remember those threatening calls in the past from debt collectors.

 

Is there a reason that I don't put a payer on the Postal Order?

 

Once you request DSARs and CCA requests they will have your address...as they should otherwise they could issue a court claim to your previous address and you would not be able to defend it.

We could do with some help from you.

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Is there a reason that I don't put a payer on the Postal Order?

 

Yes , you leave it blank so they can fill it in, IF they have anyone that can write!

 

If you fill it in, then they simply return it saying it should be addressed to bill & ben, or some other, simply to frustrate the legal process.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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