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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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Wescot for lowells - old home shopping personal finance - Valid CCA?


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Hi,

 

after CCA'ing my creditors as per advice here in an earlier thread back in October one of my main DCA's (Wescot has responded - took them a while!)

 

They are saying they have sent me my original agreement as requested and have now passed the debt back to Lowell who they were collecting on behalf of?

 

is the CCA a valid copy?

The original creditor was HSPF (home shopping personal finance)

 

Not sure if i should get back in touch with Lowell and start arranging payments again or not :(

 

Any help appreciated as always, i have uploaded copy of what Wescot have sent me.. next steps for me?

file_1_pdf.pdf

Edited by dx100uk
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think those T&C's are lacking somewhat IMHO

and poss not all the prescribed terms are there either.

 

tell us more about the history of this please and your payment history/

 

moved to the CAT forum and retitled for clarity

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, that will be the statement of account which they are legally bound to send you annually.

 

IMHO I'd ignore for now until Lowlifes send you one of their begging letters.

 

Has anyone offered a discount?

 

Have you reclaimed any charges and PPI/fees back?

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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Hi, thanks this isn't actually a catalogue it was a loan from a Company called HSPF i think they were something to do with RBS but the original loan was HSPF they are not a catalogue as far as i know.

 

I managed to make the payments for about 12 months then fell into a debt spiral, originally went into a DMP with Stepchange and then more recently with payplan.

 

To be honest i have just been making the payments into my DMP all these years until i found this forum.

I have uploaded the statements they sent me along with the alleged copy of the CCA, that is everything i received today from Wescot.

 

Any help appreciated not sure what i should do next.

s1_pdf.pdf

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Hi no i stopped paying last year after they failed to comply with the CCA request.

 

Then let that remain.

 

UNTIL they do comply.

 

IGNORE everything less for a court claim, if they're silly enough to chance their arm.

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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yes these were HBOS funded until just after that date when the cat company became their own finance company

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...

Hi,

Have received another letter from Lowells they say they are giving me until the 31/03 to get in touch with them and arrange repayments or they will start pursuing the debt once more. Based on the CCA in my original post should i get in touch and start paying them again or ignore? Really unsure what to do next...

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wetcloths don't buy debts 

and like all DCA's they are not bailiffs

and have 

zero legal powers.

 

 

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 my mistake the letter is from Lowells who wescot were collecting on behalf of, Lowells have now taken the debt back from Wescot and are saying they have complied with my CCA request and to contact them by 31/03 to arrange payments or they will begin pursuing the debt again.

 

Should i contact them to arrange payment?

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Part of Lloyds Banking Group, providing loans predominantly for the catalogue customers of Littlewoods etc. 

 

" Have received another letter from Lowells they say they are giving me until the 31/03 to get in touch with them and arrange repayments or they will start pursuing the debt once more. "

 

Isn't that what there already doing ?  Ignore them.

 

Andy

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Why not tell us a bit about the loan why  you defaulted on it ...was there a dispute with the original creditor etc...does it contain unfair charges...difficult to give advice just because they have sent you what purports to be a copy of the agreement...and an almost illegible copy at that.

 

Andy

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Of  course....

Originally the loan was from a company called  Home Shopping Personal Finance  (i think they were part of RBS) and was for 10k in 2008..

..i got into real financial difficulties when Northern Rock went under and my Mortgage deal was pulled and ended up defaulting on this and other loans in 2010

 

entered into a DMP with one of the debt charities,

i have been paying into that ever since and not missed any payments.

 

In November last year i found this site and decided to CCA all my remaining creditors based on the great advice given here.

.nearly all the debts have been passed on through various  DCA's over the years i have been on a DMP...

 

. Wescot were collecting this debt on behalf of Lowell's but passed back to Lowells after receiving my CCA request..

.Lowell's have sent me what they claim to be a valid CCA (in my first post) and  a payment history (6th post down) and are now saying the debt is enforceable again due to valid  CCA being provided and to arrange payment with them before 31/03 or they will take things off hold and  begin pursuing me for payment again....

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Just to let you know, that I received a CCA from Lowell, that was blurred, just like yours.  I wrote to them  with this piece of CCA Legislation.

 

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/422707/bis-10-1053-consumer-credit-directive-guidance.pdf

 

17.33 The agreement must be in writing and must contain the specified information. This must be clear and concise, and must be easily legible and of a colour which is readily distinguishable from the background medium.

 

I just qouted them the above legislation, and told them what they had sent me was illegible, and as a result unenforceable. They wrote it off and removed it from my credit file.

 

I know letter tennis isn't recommended on this site, but it worked for me !

We could do with some help from you.

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And your currently making payments to Wescot ?....who have now been removed from the equation 

We could do with some help from you.

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6 minutes ago, Andyorch said:

And your currently making payments to Wescot ?....who have now been removed from the equation 

 

Hi, no i removed Wescot from my DMP when they fell outside of the time limit to provide me with a valid CCA request in November, so i haven't paid anything towards this debt since November.

 

And yes Wescot are out of the equation now as passed back to Lowells

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9 minutes ago, London1971 said:

Just to let you know, that I received a CCA from Lowell, that was blurred, just like yours.  I wrote to them  with this piece of CCA Legislation.

 

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/422707/bis-10-1053-consumer-credit-directive-guidance.pdf

 

17.33 The agreement must be in writing and must contain the specified information. This must be clear and concise, and must be easily legible and of a colour which is readily distinguishable from the background medium.

 

I just qouted them the above legislation, and told them what they had sent me was illegible, and as a result unenforceable. They wrote it off and removed it from my credit file.

 

I know letter tennis isn't recommended on this site, but it worked for me !

Thanks for the info that's really interesting, i have noticed a lot of the wording is missing as crops off the edge of the page so i definitely wouldn't say it is fully legible at all and is also very blurry......

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I see.... Im clearer now on why the question of enforceability arises.Well in my opinion what they have provided is questionable but possibly enough to attain a judgment...also  you must be aware that as the amount in question is quite considerable should they litigate this will go Fast Track.....risky for you but also expensive for the claimant to litigate on and not be guaranteed recovering its costs should their claim fail.

 

I suppose the question for you and deciding your next move is how imperative that you avoid a CCJ ?

 

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

 

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6 minutes ago, Andyorch said:

I see.... Im clearer now on why the question of enforceability arises.Well in my opinion what they have provided is questionable but possibly enough to attain a judgment...also  you must be aware that as the amount in question is quite considerable should they litigate this will go Fast Track.....risky for you but also expensive for the claimant to litigate on and not be guaranteed recovering its costs should their claim fail.

 

I suppose the question for you and deciding your next move is how imperative that you avoid a CCJ ?

 

Andy

Yes it is very imperative i avoid a CCJ if at all possible.....thinking i should just add them back into my DMP now or wait to see what they do next?

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Or make an offer to Lowell and agree a new monthly payment plan...much reduced to what you have been paying...which is manageable and affordable and forgettable 😎

 

Its all very well us telling you yes its enforceable or unenforceable and illegible...a Court may have a different opinion...and you lose with substantial costs (Fast Track)

 

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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