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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. 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. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Lowell Claimform - old Orange Mobile debt ***Claim Discontinued***


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Hello I wonder if someone could offer me some advice.

 

I received a letter from lowel Solicitors headed: Notice of Acting.

 

They asking me to pay an old Orange debt.

 

1- Should I ignore the letter? I haven't speak to them so far and always ignore them.

 

2- If there was no payment at all which date SB will be calculated from?

 

3- If the contract made in Scotland, SB referred to Scotland or the place you are living now?

 

Thanks in advance

 

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Statute barred will depend upon the jurisdiction in which the contract was made. If the contract was made in Scotland then the time will be five years from the date that the breach could reasonably have been discovered – in your case the date of the last missed payment.

 

Maybe you can give us a more details please

 

By the way, I haven't heard of "notice of acting" before but I dare say that someone else will come along and who will clarify.

 

However, I suspect that it may be some kind of procedural requirement if an action is being brought in Scotland. I say that simply because you have referred to Scotland so I am putting two and two together – but maybe I'm coming up with 5

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Thanks for quick reply.

 

This is for my friend.

 

1- Contract made early 2012 in Scotland.

 

2- No payment done from the begining (even first payment missed).

 

3- She was out of the contry for 10 months and then she backed to Birmingham and now she is in Birmingham.

 

4- Account defaulted on Oct 2012 based on credit report.

 

5- Received some letter from Lowell and some offer and discount that ignored.

 

6- Received a letter headed "pre-legal" assessment asking for full payment and stating that they are considering to refer this to the a solicitor.

 

7- Receive a letter from Lowell solicitor headed "Notice of Acting" and asking for full payment or monthly payment.

 

Nothing else in the letter regarding any legal action to be taken or threaten to do so.

 

Thanks

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Read the CONC rules relating to statute barred debts.

 

In respect of the Scottish contract, if there has been no payment since the last payment more than five years ago and if there has been no acknowledgement of the debt during that time then it should be statute barred. Under the CONC rules if you draw this to their attention then they are not allowed to take any further enforcement action. They should remit the file back to the original creditor who also should take no further action.

 

If anybody then goes on to take action after you've put them on notice then they are in breach of FCA rules

 

Please be aware that this simply means that the debt is unenforceable. It does not prevent the debt being entered onto a credit file and remaining there for six years.

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so she has moved from the address that the contract was taken out at

and has never informed lowells where she is living now

but are getting all these phishing letters?

 

oh and Scottish sb rules are different to conc statement.

 

in Scotland once a debt reaches 5yrs of no payment or written signed acknowledgement of the debt from the supposed debtor

the debt is EXTINQUISHED ..DEAD GONE DOES NOT EXIST PARROT..

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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Yes,

When she backed to UK,

after a while they found her address and starting sending the letters.

 

She changed the address several times without any contact to Lowell,

but I don't know how they could trace her and sending the letters to her new address.

 

@BankFodder;

 

Thank you for the information. I will have a look at them and if I need more advice I will back to you.

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shes not made any payments so the debt is now extinguished under Scottish law - it does NOT exist.

 

these phishing letters need to be answered in ONE letter which is the Scottish SB letter detailed below in the link

https://www.consumeractiongroup.co.uk/forum/showthread.php?387433-Statute-Barred-Letter-SCOTLAND-**Update-21st-April-2014**

 

this must be done as it will serve two purposes

the debt is dead

they will then have her correct address thus stopping a backdoor degree which they will go for as that's the point of the phishing letters

 

the days of ignoring DCA's, running away from debts are long gone.

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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Thanks for reply.

 

I just want to make sure that it is under Scottish Law.

 

It doesn't matter where are you from, or where do you live at the moment.

It is county based on the time you are signing the contract, where you are living (at that period she was living in Scotland), is it correct?

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residence at time of signing.

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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what is the supposed debt and who was the original 'creditor'

sorry this has not been asked

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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Share on other sites

oh god

they 'll never win anyway if defended

but thats by and by now as its confirmed extinguished

 

the major thing you need to do is protect against a backdoor decree

that's reason for the letters.

they've got the address from your [her] credit file

 

so if no response is forthcoming, they'll know that they'll be pretty successful in filing a claim against the old address.

 

in Scotland, a degree doesn't expire for 20yrs so get that letter running.

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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Sorry I didn't catch a degree doesn't expire for 20 years .., what does degree means?

 

and can you explain what do you mean by backdoor decree?

 

We didn't acknowledge any debt, should we first ask for any evidence or we accept the liability and send the SB letter?

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Sorry I didn't catch a degree doesn't expire for 20 years .., what does degree means?

 

and can you explain what do you mean by backdoor decree? even if the debt is sb'd if you don't inform them of your present address they can get a court judgement sent to her old address and she'll know nowt about it, , in Scotland that's called a decree.

We didn't acknowledge any debt, should we first ask for any evidence or we accept the liability and send the SB letter?

 

 

no need to ask for any evidence, its dead, extinguished..

send the sb letter I've already pointed too.

once a debt is sb'd you can't un bar it [reset sb] by sending any letter even if you sign it.

not even a judge/sheriff can unbar a 'SB debt'

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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  • 4 weeks later...

and?

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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Share on other sites

and?

 

Hi

 

Thanks you for the follow up.

 

I sent them a prove it letter and I got the answer back today.

 

They said this not regulated by Consumer Credit Act 1974 and the supplier may not retained a copy of agreement and the agreement are deemed to be accepted when the seal on the SIM card is broken.

 

And they asked us to pay the balance within 30 days or a claim may be issued in the County court.

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who said send a prove it letter??

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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who said send a prove it letter??

 

 

Legal Advisor.They said if the account already status barred nothing will happen while you don't acknowledge the contract.

 

We didn't acknowledge and asked for prove it and then we can sent the SB letter if needed. Is it wrong?

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then go shoot them....!! utterly useless advise

 

I said send our Scottish statute barred letter.

 

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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Sorry you are right.

However, you said nothing can change the SB.

So that made me relax if I send this letter without acknowledging nothing will change the SB.

Does this affect that?

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ends the matter..

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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Share on other sites

what part of post 6 are you not understanding?

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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Share on other sites

then go shoot them....!! utterly useless advise

 

I said send our Scottish statute barred letter.

 

dx

 

I undrestood that, however the advisor said it is tricky.

As she moved to England and living in England for several years, then the England rule might be applied.

 

what part of post 6 are you not understanding?

 

Please don't get me wrong.

When you are in situtation like this, you try to move very carefully and avoid mistake.

We tried to seek advice from different sources and try to move step by step and carefully.

We appreciated all you support, help and advice you provided. :)

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already answered that in post 10......................

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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