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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.   
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Backdoor CCJ Erudio/Drydens - old SLC Loans - successful set a side- *** Claim Struck Out failing to comply with court directions*** Now New Claim 2023***2nd Claim Discontinued***


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So it says by 24th October claimant to file with court and defendant

 

full statement of account from inception to date

default notice

credit agreement

letter before action

copies of all correspondence sent to defendant in last 8 years

 

i have to file an amended defence by 8th November 

 

hearing fee to to be paid by 15th November-no fee no claim basically 

 

there is a wArning para further on saying failure to comply may result in claim being struck out or evidence not being considered, but nothing specific to filing of evidence......

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there is a warning para further on saying failure to comply may result in claim being struck out or evidence not being considered, but nothing specific to filing of evidence......

 

Cant be more specific than  " failure to comply may result in claim being struck out or evidence not being considered "  

 

You shouldn't have to make an application when the court attaches a warning to an order.They should strike it out or bar them from using any documented evidence of their own volition 

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So how do I get the court to put it before a judge without paying the £100 fee?

The court are saying that’s what I have to do, otherwise submit my defence (based on no evidence) and the judge will deal with it in court?

 

I know some of this could just be a waiting game, but I want to get this sorted and move on? 

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bet if you ring again and say the claimant has failed to comply, you'll get a diff and correct answer 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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Submit your defence on time then and refer to their failure to comply within your defence and the courts order which states that it may be struck out or precluded from submitting any documented evidence.

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Thats all you can do but with the beginning intro redrafted to include the points I have raised above....have a go and I will check it for you before you submit.

 

Andy

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  • 3 weeks later...

and?

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Apologies, I had been locked out after changing my phone!

 

so still no service of documents by erudio, but they have paid the hearing fee!!

I submitted my witness statement on time in accordance with directions, so really no idea what is happening!! 

 

I have today emailed the court and asked the judge for a point of clarification.

That is should they be allowed to proceed to hearing if they have not complied with the directions to produce evidence? 

 

If if the judge won’t consider it, then I don’t know whether I should submit a formal application to get this done and sorted before any hearing? 

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Whatever prompted you to do that?

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 asked the court how it could be possible that they should be allowed to proceed if they didn’t comply with directions, they told me to email and they would put it before the judge. Shouldn’t I have done that? 

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sorry I remember now, this is a hearing following your successful set aside 

the judge gave directions for filings by 24th october

the claimant has failed to comply, whereby you have.

 

claim should be struckout.

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’s what I believe, however erudio seem to be playing a funny game, paying the hearing fee but not actually producing evidence that directions told them too! 

 

If if the judge won’t consider the email, would you make an application and pay the fee? 

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they have failed to comply to the specific directions of the judge

typically we see a resolution upon this whenever anyone phones.

however CCBC could be busy so email is fine.

 

the fact that erudio paid the fee is somewhat immaterial, it comes out of an account with CCBC simply by an erudio employee clicking a box, whom doesn't have a clue about your case

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’s helpful DX, I assumed that someone would have had to go to the trouble of making the payment, which seems at odds with the fact they haven’t bothered to submit anything to me or the court! 

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Copy of your witness statement  uploaded to this thread would be helpful also.

 

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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 I make this statement as my amended Witness Statement to the claim brought by Erudio Student Loans.

 
2. The claim is in relation to a student loan, regulated under the Consumer Credit Act 1974. The claimants Particulars of Claim are vague and omit vital information, including the original agreement numbers despite the particulars of claim making reference to these.


3. Following the successful application by the defendant to set aside the Judgement in Default issued in July 19, the Court issued directions, that the claimant submit the following to both myself, and the Court, by 24th of October 2019:


I) A full statement of account from the contract inception (20-10-1998)
2) Copies of the original credit agreement,
3) Default notice,
4) Deed of assignment
5) Letter before action
6) And any other correspondence issued to the defendant in the last 8 year


4. To the date of signing and serving this amended witness statement, the claimant has failed to comply with the Court's directions and the documents listed above have not been provided, to either myself, the Defendant or the Court.


5. As a result, I remain embarrassed that I still cannot submit a full defence.


6. Whilst embarrassed, these are the aspects that I would ask the court to consider:

 
7. The defendant submits that the alleged debt falls under the remit of the Limitation Act 1980, in that no payment or acknowledgement has been made in over 6 years. 

 

The claimant previously confirmed, in a telephone conversation with the defendant, that no payment or acknowledgment has been made since 2012 when their records begin. Therefore, under section 5 of the Limitation Act, they were not entitled to pursue this action through the Court.

 

The claimant has been given every opportunity to provide a full statement of account, or other evidence to the contrary, however this evidence has not been forthcoming, and as such, I would urge the Court to conclude in the first instance, that the Limitation act does apply and as such, the claimant's action was Improperly brought.

 

The Court has already accepted, by virtue of setting aside the Judgement in Default, that cause of action notice was improperly served which negates any and all re-setting of the clock arguments the claimant may put forward. As such, and on this basis, I would ask the court to consider dismissing the claimant's action as bound to fail.


8. If the court is not persuaded by the basis of the Limitation argument, I would ask the Court to consider the following


9. The claimant, in a telephone conversation Immediately prior to the set aside hearing, advised the defendant that no default notice exists in relation to the alleged debt. They stated that a termination notice had instead been issued without
default proceedings, again to my previous address as the account had reached maturity and as such no default notice was required.

 

I would draw the courts attention to the fact that fixed term loan agreements are also subject to section 87/88 of the 
CCA 1974, and as such, unless all contractual payments were made appropriately within the life of the contract and in line with the prescribed terms and conditions, the account would not have reached maturity and as such, the default process
was very much required as a precursor to any enforcement action.

 

The claimant has failed to issue notice of sums in arrears or take appropriate  action to appropriately terminate the account, and as such, ask the court to put the claimant to strict proof that their actions have not contravened those required under the CCA 1974 to legally enforce the alleged debt as the claimant has failed to produce a default notice i an unable to submit on whether  prescribed terms for enforcement action are indeed contained, and ask the court to put the claimant to
strict proof that any default notice exists. This is the same for any of the other documents the Court required the claimant to submit.


10. Additionally, the Court set aside the Judgement in Default under CPR 13.2, as the Court stated the claimant had reasonable cause to establish proper residency of the defendant following more than 4 years of unanswered correspondence.

 

As such I would ask the Court to consider the propriety of service of any legal, or otherwise required notice set out in Sections 87, 88 & 98 of the CCA 1974. As such, I have not had the opportunity to respond to, or rectify any default before the claimant instigated legal action against me and as default was improperly served.


11. As such, the defendant asks the Court to dismiss the claimants claim in line with the directions given that failure to comply with the directions Issued by the Court may lead to the claim being Struck out


12. If the Court is not minded to do so before the hearing, the defendant respectfully requests that the Court ignores any late evidence submitted by the Claimant and considers the case on the basis of the evidence contained herein.

the evidence contained herein.
13. Statement of Truth
I believe the facts stated in this witness statement are true

 

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how did that mention of an embarrassed defence and deed of assignment get in there?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes 

IMHO it needs tidying and parts removing/adapting

 

can you just simply open the docx file 

and copy and paste the complete text to a msg box here at text so we can copy/edit at will

 

thank 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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No not if its not in your statement....should have waited until we had chance to check it.

 

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

If you want advice on your Topic please PM me a link to your thread

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Is there anything fundamentally missing Andy?

I know I should have got it checked but I had to submit it really quickly as I waited for the other sides evidence, but it still wasnt forthcoming.

I’ve still not had anything from them and neither has the court.....

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