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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).
    • 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?  
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Lowell Financial or Lowell Portfolio 1 Ltd


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:cool: will smith now i would not kick him out of bed.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

Hi newbie here!!!! I been reading the posts on this forum for a couple of days and I decided to get some advice for my specific case. I have received a few letters recently from Lowell Financial saying that they have purchased a debt from Abbey National but it was in fact a Cahoot Loan. Apparently I owe this debt of £3800 from Cahoot Loans at an old address that I used to live at back in 2001. Now I haven't heard from Cahoot since leaving that address....come to think of it I cannot ever remember receiving any letters from them at all. I got into financial difficulty as I broke my leg, couldnt work and had a really traumatic time during 2001/02. So does that actually mean now that since no one has contacted me for over 6 years that this debt is in effect unenvorcable? I have not contacted Lowell Financial regarding the letters and my new girlfriend is starting to worry as we plan to purchase our 1st house together in the next year and doesn't want this hanging over us. Do I need to send any letters to them regarding the Limatation Act or anything like that or shall I just proceed to ignore their requests to pay the balance??

 

Thanks!!!:confused:

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Send Lowell the Statute Barred Letter. The burden of proof is on them to prove it isnt.

 

Dear Sir/Madam

 

Acc/Ref No

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

We look forward to your reply.

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Send Lowell the Statute Barred Letter. The burden of proof is on them to prove it isnt.

 

Dear Sir/Madam

 

Acc/Ref No

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

We look forward to your reply.

Hi,

Lowell are trying to claim a debt which they say is 12 years old,

If I write to Lowell and state because this debt is over 6 years old it is 'Statue Barred' can they or will they put a black mark on my credit check?

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Hi rover75,

I have exactly the same problem myself re Lowell Portfolio/ Red Debt etc.

I downloaded and sent the letter template "N" and then sent it again after Lowell/Red Debt just ignored it. This is the letter that says your claim is time barred even if you have a judgement. My case is more complicated because I moved to Scotland and you now have to cope with the cross-jurisdictional issues but I sent it nevertheless to make sure they got the message loud and clear - Barclaycard Visa had their chance years ago but stood aside to let Barclays Bank pummell me instead. It's over!!

 

The fact is these folks don't have the power to do anything with credit agencies that is purely the remit of the Registry Trust.

 

I have now contacted my CAB to see what support they can lend and will advise what they say.

 

In the meantime, follow the great advice on these forums: -

Never call a DCA

Send everything in writing by recorded delivery

Never, ever admit you owe a debt

Do not be bullied - you are NOT ALONE!

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Hi rover75,

I have exactly the same problem myself re Lowell Portfolio/ Red Debt etc.

I downloaded and sent the letter template "N" !

I trust you meant letter M.

 

Do not worry about Lowells. The debt is Statute Barred after 6 yrs (5 in Scotland) and in spite of what Lowell may say there is nothing they can do about it. If they continue to chase for a Statute Barred debt report them to TS.

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Can anyone help me.

 

I have a disputed default on my credit report from Lowell Financial and to cut a long story short i asked them for a CCA they replied saying,that after liaising with there client in an effort to obtain this document we have been advised that it is no longer available. Under the circumstances,we have closed our files in relation to this account,which has now been returned to our client.we can confirm that no further contact will be mad by us regarding this accout.Great!!

 

But now they are refusing to remove the default from my credit report,which will be statute barred in 2010!!.

 

I have treid the ICO but they will not remove it, beacause there is evidence that the debt exists, by way of a few bank statements.hardley proof!.the only way they would remove it is if I had proof I paid it,but yet they have no CCA!.

 

I feel if the debt is not enforceable and Llowells have closed the files on it,surely, if its on my credit report thats enforcement in itself.

 

I called The OFT who seem to agree with me,where do I go from here?

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Write to Lowells and demand proof of the debt. Without the CCA the CANNOT prove that they have a right to process your data. They cannot enter a default if they cannot prove a debt exists. Also write to the CRA disputing the entry.

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The ICO is confused. Without an enforceable agreement then there can't be entries. See flash's post of his correspondence with the ICO and quote it back at them!

 

http://www.consumeractiongroup.co.uk/forum/general-debt/125119-ccas-post-april-2007-a-4.html?highlight=default+office+view

 

Thank flash cos he's done all in a similar position a great favour!

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Thanks I will try that, Ive have written to Lowells so many times asking for this, but they hav'nt got any proof only copies of a few old bank staemants and some DD mandates.

 

It dos,nt seem to make any difference what you say to them, they seem to be a law unto themselves!!!.

 

Ive Tried the CRA whs say they do not have the power to remove it.

 

The ICO are also adament that as long as there is evidence the entry is valid.

 

I will try flashes reponse but failing that. I just do not know where to go from here,it seems I have very little say in the matter, which cannot be right!!

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  • 3 weeks later...
  • 4 months later...

Hi, I defaulted on about 13 debts when I hit hard times around 8 years ago. I started paying off through a debt management company that then went bust although they were still collecting my monthly payments. I started to get letters from DCAs and am paying small amounts off. I have been chased by Lowell for some time now for an old Bank of Scotland debt that they say is some £17,000. Lowell started to send letters threatening legal action but I have now sent them a CCA letter and they have just defaulted on the 12+2 deadline. They did, however, reply offering me a settlement figure of £7000. I have just written to them to say that I now dispute the debt and have asked for the money back that I have already paid. I have no idea whether I owe this money or not. I will keep you posted.

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afta05 I suspect you may have them on the run. A quick £7k for an non-existent agreement would have made someone's week/month/year.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi, I defaulted on about 13 debts when I hit hard times around 8 years ago. I started paying off through a debt management company that then went bust although they were still collecting my monthly payments. I started to get letters from DCAs and am paying small amounts off. I have been chased by Lowell for some time now for an old Bank of Scotland debt that they say is some £17,000. Lowell started to send letters threatening legal action but I have now sent them a CCA letter and they have just defaulted on the 12+2 deadline. They did, however, reply offering me a settlement figure of £7000. I have just written to them to say that I now dispute the debt and have asked for the money back that I have already paid. I have no idea whether I owe this money or not. I will keep you posted.

Bog standard Leeds Loser nonsense. They have no CCA. Stop payments NOW

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Thanks everyone. I have today received another letter from Lowell which states that the original creditor is still looking for the agreement and when they get it I will have to pay up but in the meantime they will not correspond further. I have decided to send CCA letters to 3 other DCA that I have been paying to see if they have legal documentation. They are Roxburghe, Thames Credit and Moorcroft. Anyone know about them?

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Moorcrap - Bully Boys who always send letters from their laughingly entitled Pre-Court Division

 

Thames Credit aka The River Rats - Part of the Aktiv Krapital shower. They will probably respond to your CCA request that as they are not the Original Creditor they do not have to supply CCA. Total crap. S189 of the CCA 1974 hits that silly argument on the head

 

Roxburghe - They havent polluted my post box yet so unknown.

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  • 1 month later...
There are many members of the lowell family listed at company house, they all live here :-

 

ENTERPRISE HOUSE

1 APEX VIEW

LEEDS

LS11 9BH

 

must be getting a bit cramped ........................

 

Do they also have an address at PO BOX 8743, ML4 3WU

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That's dear old Bellshill, near Motherwell.

 

I think there's a little old lady who accepts undelivered mail sent to Scottish victims on their behalf. They use the address north of the border as some things are slightly different in Scotland and to get a letter from Motherwell carries a bit more weight than Leeds, especially if the home visit threat has already or is about to be introduced.

 

This is, in fact, the real reason why Scotsman do not wear anything under the kilt. If you get a letter from Lowell Financial, the side splitting laughter that it can incur can cause an increase in laundry bills - something a true Scot can well do without.

 

;-)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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  • 2 weeks later...

I have received a letter asking for money regarding a Barclays debt ignored first letter with which they sent a notice of assignment.

On looking again at the notice of assignment that came with the letter from Lowells, I thought It looked dodgy, I am sure ithe notice of assignment although on Barclays papers is printed and sent by Lowells. t is clearly from the same place as the barcode at the top of the letter is exactly the same and if you line the papers up the everything lines up to the body of the message. Is this legal for Lowells to provide their own notice of assignment as I feel this is clearly not from Barclay's.

I really hope that someone can help me with this one.

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The notice of assignment must come from the original creditor.

 

The Law of Property Act 1925 sets out specific guidelines for the issue of a notice of assignment. Specific to this case is the fact that s136 of the statute states that the notice of assignment must be written by the assignor personally.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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