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    • 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)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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Chances of getting a refund for PDL


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Hi All,

 

Can someone let me know what my chances of getting a refund from these PDL is? All the loans were repaid, except my last ever one with Payday Express which remains unpaid as a default on my credit file.

 

I have read elsewhere that proving affordability is key, but in the case of PDUK/Express despite them being smaller/less loans - can I expect them to atleast write-off/remove the default on the basis, my credit file was trashed, my income was circa £1000k p/m at the time and I had numerous other loans out with both their sister company and other PDL?

 

I have issued the template letter to all four companies, but none have yet to respond.

 

QuickQuid:

 

Lxsqxfx.png

 

 

Payday Express/PDUK:

 

Still waiting on Express to send a statement, but PDUK and Payday Express amounts to 7 loans from sister/same companies also during the same time period I was borrowing from QQ. Circa £800 interest from 2012.

 

Wonga:

 

Statement received, corroborates my own bank statements - sent the template letter but no response as of yet.

 

fhFHK22.png

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Nuff Said :)

So, What Should I Be Looking For?

 

There are no set circumstances in reclaiming for what we call Irresponsible Lending. But there are

some noticeable signs that a reclaim may be successful if you have suffered from the list below;

- Lots of loans over a period. Either Same or Different Companies

- Loans with increasing values over a period from either the same or different companies.

- Poor affordability checks / no checks completed at all or Missing bank statements

- No Credit Check completed.

 

- Checks completed but affordable income was quite low - IE 15% after all repayments

- Lending more after 1 account defaulted with the same lender

- Not checking other companies under the same umbrella that there were running / outstanding loans

 

- Lots of charges IE £5 for failed payment attempt - £35 for failed DD - £15 for letter sent etc

- Repayments were unaffordable on the amount lent which the chances of default were high

- Signs of gambling / addiction if checking bank statement if they were requested

 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thanks for the heads up on that guide.

 

Just one other query I have, during the same period around 2010-11 I stupidly managed to get a Cap 1 credit card - reading that guide makes it seem like I could argue a case for irresponsible lending for the credit card? Would it be worthwhile trying to pursue that also? At that time I would have had over 3000k in overdraft, a Vanquis Credit Card and 4-5 payday loans on the go.

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Oh I see �� Unfortunately we cannot comment on other forums I'm afraid however I would say that in you case... It depends upon the APR and credit limit... PDLs are easier to claim on than CCs

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I sent this:

 

To whom it may concern:

 

I have had 24 Loans from you between 2009 and 2013.

 

Your loans trapped me into a debt spiral, with the repayment taking so much of my wages that I had to borrow again to cover my next month expenses.

For this period my income averaged about £1000 a month.

My living expenses were roughly: rent/mortgage £300, Utilities and bills £200. Transport costs £100. Clothes £50, Food £200, toiletries, Total £850 per month. Moreover, you would have seen that the money was being put forward to gambling firms if my bank statements had been checked. This shows that there was no way I could afford these loans. When I repaid them, I had to borrow again to get through the next month.

 

You should have realised from the number of times I rolled loans or borrowed again that my debt problems were getting worse. It was not responsible to continue to lend to me.

The statements you have provided detail approximately 24 loans including numerous roll overs, some equating to three month roll overs.

My credit reports would have shown my other debt repayments and problems including late payments.

You should never have given me these unaffordable loans.

I would like to ask you to refund the interest and extra charges I paid. The Financial Ombudsman suggests that statutory interest is added to this sort of refund.

I only found out I could make this sort of irresponsible lending complaint in February 2018, I understand the Financial Ombudsman will consider all my loans, including those that are more than 6 years old.

Kind Regards,

 

Credit Limit was £1000 and APR was from memory about 35-40%

 

Oh I see �� Unfortunately I cannot comment on Debt Camel I'm afraid however I would say that in you case... It depends upon the APR and credit limit... PDLs are easier to claim on than CCs

 

Credit Limit was £1000 and APR was from memory about 35-40%

Edited by dx100uk
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Yes well you need to balance this out...

At what stage was the CC offered? The APR would represent the fact that you had a default or had a poor credit history so its not just a case of reclaiming against a CC...

 

Its mostly large increases in Credit Limits that its viewed as being irresponsible...

If i could be honest about your first post, I dont think that you will get the refund of what you want as per the spreadsheets you posted up...

Not putting you down i promise however, there has to be some give - IE 2 loans close together isnt really Irresponsible lending if small amounts however, you have a very good case with QQ and Wonga but im afraid that if youd like my help you need to give me more info.

 

We need to know loan amounts... etc to give you the best advice :)

Ignore your total refund column... This is not what you will get and reclaiming doesnt work like that :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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As soon as I get the SAR back from Capital 1 I will provide more detail, I don't recall any credit limit increases to be honest - I believe it was a straight £1000 with high APR from the offset.

 

With re. to your comments on the smaller loans i.e. Payday UK, Express and Money Shop.

 

PDUK amounts to 1 loan rolled over 2 times paid on third, Payday Express I will confirm in detail but also from 2009-2012 looking at my statements it totals 7 loans and finally The Money Shop in 2009 16 loans total £2750.

 

are you stating I am calculating the interest incorrectly, or just to not expect that amount if any back?

Edited by dx100uk
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There is no set way to calculate a refund because what is reasonable for a compensation claim is different to each person and how it is viewed by the FOS etc...

 

Yes they may offer 8 pc on top similar to PPI but this isn't PPI...

Let's say you had 15 loans in a short space of time, but you complain... It gets rejected... You go to FOS

They rule in your favour saying 11 were lent irresponsibly...

 

They would consider the below:

 

Refund of interest equal to 11 loans with possible 8 percent *OR* Goodwill Gesture

Removal of information from credit file for All loans

Removal of any searched

Write off outstanding debt

 

Did you get all that from the forum your referred to... There is no black and white scenario... Each is different...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Ive just had another thought... You have loans going back further then 6 years... This may prove troublesome as its on a case by case basis for IRR Lending...

But if i may ask, before your next steps after the responses - Come back here and we will advise... :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Afternoon all,

 

If PDUK/Moneyshop/Express are messing me around with regards to statement of accounts then can i proceed directly to FOS?

 

They started with refusing to send it without payment,

then I disputed that they couldn't charge me to make a complaint and I needed that information in order to complain.

 

They then agreed to provide it,

but have sent partial information,

I have bank statements with contradicts the statements they have sent me etc.

 

They've sent account info for 1/3 of the umbrellas orgs,

despite repeated asking for ALL transactions across all companies

- just generally being difficult.

Edited by dx100uk
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Well we are on!

 

Both PDUK and QuickQuid have responded with FRL stating they do not agree and to go to FOS now.

 

So I have got SOAs from QQ, PDUK, The Moneyshop, Wageday Advance, Wonga, Sunny and Mr Lender. I have put all these SOAs into a document, along with my complaint and the FRL - I have also included bank statements from that time showing my £2.5k overdraft maxed, credit card default, store catalogue default, mobile phone default. I also have included a SAR from HMRC showing my earnings for the years in question.

 

Will this evidence be sufficient enough to now send to the FOS?

 

Still no word from Payday Express re the SOA from their Nexus System.

 

Thanks

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  • 2 months later...

Update:

 

Finally had some movement on my 6 complaints, the Wonga one is being disputed by them due to age so requires more investigation apparently.

 

The one with PaydayUK has been rejected by the adjudicator as they feel it was affordable, however I've asked for this to go to the ombudsman along with a letter from The Money Shop (another sister company) which details I actually had a default with their sister company for unpaid loans prior to them lending to me under a different company name.

 

The others I've yet to hear back on FOS seem to be dragging their feet.

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Welcome back Dale...

 

FOS do take a while so dont worry - All i can say is just keep an open mind.

If the Ombudsman rejects then unfortunately that isnt much more you can do.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 1 month later...

Update 2...

 

FOS still dragging their feet, only one has got to an adjudicator stage which I rejected. The primary one which is QQ is under some form of review, to see if they will uphold the complaint as some of the loans date back to 2010.

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