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    • 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).
    • 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.  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 if paid promptly).  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 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 2) 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. 
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Lowell claimform - old vanquis debt


SimpleMinds
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You refer to section 77 within your defence...so this a loan agreement ?

 

 

Andy

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I think this is better now. Would someone just have a quick look over it. I'm away for work on Sunday for a week and a half so I don't want to leave everything last minute and potentially forget about filing it. I think I've matched it up to the original but I can't find an exact original / template (not that I expect a template defence).

 

1 - The defendant entered into a consumer crediticon Act 1974 regulated agreement with Vanquis under account reference xxxxxxxxxxxxxxxxxxxxx (the agreement)

2 - The defendant failed to maintain the required payments and arrears began to accrue.

3 - The agreement was later assigned to the claimant on 04/08/2013 and notice given to the defendant.

4 - Despite repeated requests for payment the sum of £2463.43 remains due and outstanding.

And the claimant claims

a - the said sum of £2463.43

b - interest pursuant to s69 county courts 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 £0.540, but limited to one year, being £197.07

c - costs

 

"The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made.

 

(1) The Defendant notes the opening sentence referring to an agreement between him and Vanquis. The Defendant has in the past had financial dealings with Vanquis. The Defendant is unaware of what alleged debt the Claimant refers, having failed to adequately particularise its claim.

 

(2) The Claimant alleges that the Defendant failed to make the required payments due. This is denied.

 

(3) The Claimant alleges the agreement was later assigned to them on 04/08/2013 and notice has been given to the Defendant. This is denied. The Defendant is unaware of any legal assignment or Notice of Assignment from assignor or assignee pursuant to the Law of Property Act 1925 s136.

 

(4) The Claimant alleges “repeated requests for payment”. This is denied.

 

The Defendant is unaware of what account or contract the Claimant refers to, nor having received any default notice pursuant to the Consumer Credit Act 1974.

The defendant denies owing any monies to the Claimant and the Claimant is put to strict proof to:

(a) Show how the Defendant has entered into a legal signed agreement with the Claimant; and

(b) Show absolute proof of how the Defendant has reached the amount claimed for by way of statements showing all amounts levied by the Defendant; and

© Show how the Claimant has the legal right, either under statute or equity to issue a claim;

(d) To provide an original assignment in writing signed by the assignor at time of alleged assignment pursuant to the Law of Property Act 1925.

(e) On receipt of this claim the Defendant requested by way of CPR31.14 and a section 78 request for copies of any documents referred to within the Claimants particulars to establish what the claim is for within the 14 day period. To date they have failed to comply with the section 78 request and remain in default with regards to the CPR31.14 request.

 

As per Civil Procedure Rule 16.5(4), it is expected the Claimant prove the allegation the money is owed.

 

On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act 1925 and Section 82a of the Consumer Credit Agreement Act 1974.

By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

"

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  • 3 weeks later...

did you copy to claimants sols too?

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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You have received your Notice of Allocation with the courts directions...what do you mean you have filed with them to ?

We could do with some help from you.

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The Directions form ?...you mean the Directions Questionnaire N180 ?

We could do with some help from you.

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So now your awaiting your Notice of Allocation (N157) with the court directions that you must comply with by the dates set next.

We could do with some help from you.

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  • 1 month later...

I received some paperwork from Lowell. It has a copy of my details showing my sign up for the card, a letter that shows they purchased the debt from Vanquis and a notice of assignment (on plain paper - not letter head).

 

The notice of assignment reads;

 

Dated 11 April 2014

 

Dear

 

We hereby give notice of the assignment of the debt due to us from you in respect of the balance of £2463.43 outstanding on you Vanquis account.

 

On 8 April 2013 your account was sold to Lowell Portfolio 1 Ltd.

 

Any further communications and payments must therefore be addressed to Lowell Portfolio1 Ltd."

 

Then they have put the address and phone number at the bottom.

 

Another document in the pack shows that Lowell purchased the debt on "04/08/2013" but this letter is dated the same date as the notice of assignment they sent (I suspect it may be a forgery given date errors).

 

So the account was sold 12 months before the notice of assignment was even issued - is that not a bit odd?

 

Also, going back to the ROP thing, they have provided a breakdown of payments which also shows "Repayment Option Plan" and I've added up all the charges for it. It comes to £521.04 - I never asked for this.

 

Mediation setup for 30/04

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scan it up to ONE multipage PDF please read upload

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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I'm really sorry but I can't do that as I don't have access to a scanner and I am using a friends internet connection. I can photograph it with a phone but can't remove person info so don't want to upload my personal ID.

 

I can type it out I guess? There are about 20 sheets of paper. They have sent a copy of the Terms for the card, a breakdown of the charges and payments, the letter I have retyped out above and a couple of sheets that look like screen shots of my personal info and my agreement to the card.

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well you can do it with a phone 1000's have

read the guide there are programs there listed that help you/

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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  • 2 weeks later...

Sorry for late response. I don't have a smart phone or camera type phone, I'm in my younger 80's.

I'm also relying on my friends computer and help with very little knowledge.

My friend has told me that I'm in the 90's with a phone with snake on it so I guess it is out of date.

 

I had a telephone conversation - mediation today.

Was told by the woman conducting the mediation that I was being "put to strict proof" and that I owed the money.

I thought that they were not supposed to give legal advice and to be impartial.

I guess that is not the case, I was awfully upset after it because of the pressure that was put on.

 

I told them I don't owe it and they must prove I do. End of phone conversation.

 

I am asking another friend to try and help me with the documents so I can post them up.

I only get chance to call in once a week or so which is why I am struggling so

 

with respect I would ask that you have a little more patience with me given I am recently only fully retired and your comment comes across as a little arrogant to assume I can do what 1000's have at my age.

Edited by dx100uk
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If you could manage to just upload 1.the Agreement...2.the Notice of Assignment that will suffice for now SimpleMinds.

 

With regards to your mediation session ...a defendant cant be put to strict proof..thats for the claimant to prove its claim...so forget about it.

 

Next stage is Notice of Allocation and the court directions...post when you receive this (N157)

 

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

 

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

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if you wish a secure email AD to send you unredacted photos too then please ask

i'll sort them for you and post them up.

 

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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I am recently only fully retired ?? sorry but what has this to do with answers, many of us retired years ago and never used that as an excuse (senile maybe Lol) do not start feeling sorry for yourself as you will be vulnerable to the prey of debt collection, you are above that!

:mad2::-x:jaw::sad:
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Hello,

 

As Andyorch requested I have managed to get copies made of the agreement and introduction letter and notice of assignment. The personal info has been taken out.

 

The default notice was issued on the 1st Nov 2012.

 

Lowell mention the account was sold to them on the 04/08/2013 - their introduction letter is dated 11 april 2014 (seems a long time to introduce themselves).

 

The notice of assignment sent is also dated 11 april 2014 but that one mentions they were sold the account on "08 April, 2013".

 

I'm not all that clever with technology and I might be a little silly for burying my head in the sand at a difficult time but either the date is incorrect or that piece of paper has been typed up and someone has not made certain everything matches.

 

The way the notice of assignment reads is that it has been sent by lowell but should it not be from the original creditor?

 

Should it not read something along the lines of "We hereby give notice of the assignment of the debt owed to Vanquis Bank by you which has been transferred to lowell?" It reads as though someone has tried to make a document up but got the wording the wrong way around and the dates.

Agreement & Notice of Assignment.pdf

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Default notice anywhere?

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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no thats the notice they are going to send one

where is the default notice itself [PDF please!]

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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That is everything I have been sent.

 

I have the breakdown of charges which shows the rop thing on it but that wasn't copied.

 

I thought that was the default notice.

 

Obviously not but there is nothing else to send.

 

I have sent you everything now, except the rop breakdown.

Edited by dx100uk
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well no DN is fatal to their claim

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 month later...

Hello

 

I received this yesterday from the court. I

 

've had a look at similar requests for a statement but could use some advice.

 

the order states that the claimant must send copies of the docs first, should i wait before sending them anything as i dont need to send anything til the 9th july?

Court Directions.jpg

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