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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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RBS - PPi and life insurance on same claim?


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Correct, a loan and mortgage PPi from before this 2003 product have been refunded

 

Yes, it is active with Aviva after RBS transferred it to them

 

It almost looks like this life assurance department didnt get all of the information from the 2019 claim I made, where I stated I was advised it was compulsory to have PPi and also this decreasing term insurance/assurance thing.

 

In this case i'll draft a response stating these bits and ask to you give it the once over

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short and curt...

 

dx

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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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It seems not all the information from my initial PPi and associated insurances claim made in 2019 has been transferred over to you.

 

I stated I was mis-sold the decreasing term life assurance, as at the time of purchase I was informed this was compulsory for my situation and type of mortgage

 

I only learned this was not true in 2019, along with the loan and mortgage PPi’s. This is within the six year limit you mention and would explain why RBS recently acknowledged the other two PPi’s were indeed mis-sold also and have since been refunded.

 

This life assurance was transferred to Aviva in 2011 and is currently being paid monthly, whilst this is resolved. If I had known it was not compulsory, somewhere along the line I would have cancelled it.

 

The statement I made that I do not have an endowment mortgage, so there ‘was’ no legal requirement to have nor ‘should’ the bank have made this plan compulsory, was from information I learned in 2019. Also that the only beneficiary was the bank through ultimate direct payment should something have happened to me, settling the mortgage sum.

 

To be absolutely clear, the concerns I have raised were not known to me at the time of purchase and I was not aware that I had cause for complaint at that time.

 

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On 10/02/2021 at 14:44, NGEddie said:

When looking into complaints, I am guided by the rules from our Regulators, the Financial Conduct Authority. These rules are known as the Dispute Resolution rules, or DISP rules. These rules place a responsibility on customers to raise any complaint or concerns within a reasonable period of time; a complaint should be raised within six years of when the advice was provided or, if later, within three years from when a customer first became aware (or should have reasonably become aware) that they had cause to complain.

 

if the above were true and is the stance of your bank, bearing in mind ALL other policies, including this xxxx policy, which is our mutual  concern today and were all on the same initial original complaint letter,  why have they all been accepted as mis sold and have already been refunded ? Why suddenly is this time policy only relevant to this part of my complain?

  • Like 1

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 thank you for your letter dated xxxx, it's contents are duly noted.

 

then as above

  • Like 1

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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saves postage

 

  • Like 1

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...

Have a reply! I sent exactly as you said and...

 

In relation to your comments regarding your claim about your other plans, these were Payment Protection Insurance (PPI) plans. PPI claims are allowed to be investigated after the 6 year time limit has passed. However, this moratorium is just for PPI plans and not for other plans or investments.
 
During the infancy of the PPI review into possible mis-sold PPI plans, several ‘test cases’ went to Court. This was partly due to the fact that many PPI plan holders weren’t aware that they had taken out PPI with their loans, credit cards or mortgages (for example) in the first place. As a result of these Court rulings, the standard time limitations, as stipulated in the Dispute Resolution (DISP) rules, were lifted for PPI claims only.
 
However, the DISP rules apply to your plan, as above, which is a Decreasing Term Assurance.
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On 03/11/2020 at 13:56, NGEddie said:

Hi HB

 

Sure, I recall being told I had to have the decreasing term life assurance alongside the mortgage which started in 2003 and this was by an advisor in the branch.

 

I submitted the PPi claim in 2019 in time which covered a loan ppimortgage ppi and this decreasing term life assurance. I referred to them all together as 'ppi and associated insurances' on advice.

 

They have admitted to miss-selling the loan in 1998, the mortgage ppi in 1999 but are saying there is a separate decreasing term life assurance team who I now need to make the complaint to which is where I am a little concerned?

 

Hope this helps.

 

E!

 

Anyone advice please?

 

Really not sure how to reply as feels like they are trying to separate the ppi and life assurance by pushing me to the other department. The whole thing with this was to group them together 

 

expand on the above, not got time to scan further back, but are you indicating that the reason for  this life protection was a loan that has since been deemed mis-sold by the original creditor?

 

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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read the letter in post 23 here 

Payplan - Cover My Life & Cover My Payments - Debt Management Plan Companies - Consumer Action Group

it explains how the 3/6yrs works straight from the ombudsman's mouth.

 

 

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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Hi dx

 

Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.

 

I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.

 

Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.

 

If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank' 

 

The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.

 

Many thanks

 

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try now

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 now working and i've had a read.

 

I seems to make sense. They claim there were pressured into it, but were written to half way along advising it was optional and that would have been their time to complain.

 

In my case, I certainly didn't have anything saying it was optional, either at the start or part way through.

 

My form submitted in 2019 said

 

Finally, tell us now why you are unhappy with the policy(s) that you purchased:

 

I was told the ppi/associated insurances were compulsory for my situation and type mortgage and only recently learned this is not the case.

 

Where do we go from here please?

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i don't think the matter of you were told the Decreasing Term Assurance was compulsory makes any difference, it doesn't detract from the fact the FOS appear to agree that disp does apply and you are out of time .

 

i don't think there is any harm going to the FOS with it..BUT

although, and this twigged my memory about DISP ( which didn't exist then) but the ABI code did, and i believe that doesn't cover your situation, i'e , the fact it was made compulsory is not against any guidelines that were around at the time.

 

you could drill down on the ABI coding and see what it advised about lenders making DTA compulsory, but sure as eggs is eggs, by 2005, when disp had arrived..all lenders were forced or had stopped long before making any type of life cover compulsory. so they knew their mis-selling of such was on the cards

 

Critical illness cover (financial-ombudsman.org.uk)

 

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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there is no link between the 3 and 6yrs limits.

they are sep entities 

 

you are being told under the 3yrs disp rule that you are out of time, the FOS seem to concur - re that other threads letter, however that rules might not apply if you have exceptional circumstances.

 

i am wondering if to date the lack of ref to the ABI code of conduct, if it applied in your case, fits the exceptional circumstances criteria.

 

you need to go look at the ABI code of conduct. i'e it should not have been made compulsory, i don't believe the other code DISC was in force till 2005

 

AFAIK ABI covers aLL INSURANCE PRODUCTS NOT JUST ppi....MIGHT BE A ROUTE?

 

 

ppi GISC + ABI code info case omb-decision-C.pdf

  • Like 1

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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the mortgage it protects is still active is it not?
 

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

you mean you paid the mortgage off that the policy protected and financed it with another policy from elsewhere...???

so why have you been paying for life insurance on a mortgage that has not existed since 2009?

 

surely the policy was to protect the mortgage is was taken out for and no longer has any benefit whatsoever to you and no-one will get anything out of it should you die?

 

what does it state it protects and who gets what ?

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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As you have made this so black and white, I have just realised I have probably made a total mess up here 😕

 

Yes, the original RBS mortgage from 1999 changed in 2009 to a buy-to-let with a different mortgage company, for the same property.

 

As I thought I had to have a life assurance, this would be ok, even though it was a much smaller amount.

 

It states the policy holder as myself and the property address and says 'in return for the payment of agreed premiums the company will pay the benefits in accordance to the policy conditions' it doenst really specify who would be paid. I have actual document here.

 

Something to mention, when I bought this property it was uninhabitable and I have never actually lived there. It was empty for ten years until 2009 when I got some additional borrowing, renovated it and let it out.

 

In 2011 therefore when it changed to Aviva, that mortgage had been paid off 2 years before.

 

I have a feeling you are going to say it was my responsibility to have cancelled the policy in 2009 with RSA or with Aviva?  

 

As I had been advised by RBS, I thought I had to life insurance/assurance of some kind as I had a mortgage.

 

 

 

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Do you think  I have anywhere to go on this please?

 

Should RBS have told me to cancel the policy when I stopped using them as a provider?

 

Should Aviva have checked the mortgage was in place when it transferred to them in 2011?

 

Does it make any difference RBS knew I wasn't living in the property 2003-2009?

 

Many thanks

 

 

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what does the policy actually do?

if you died tomorrow what would happen ?

what payouts would goto who about what?

why don't you directly ask aviva?

  • Like 1

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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Called Aviva...

 

what does the policy actually do?

 

Covers/insures my life over 22 years from 2003 and decreases by 10% each year

 

if you died tomorrow what would happen ?

 

The policy would pay out the amount it has reduced by at that time

 

what payouts would goto who about what?

 

Payouts would go to the estate and this is not linked to any property or any mortgage or company

 

Thoughts?

 

Very frustrating as I do recall being advised I needed to have this 🤨

 

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