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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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Blemain, desperate for help


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Good Morning

 

I have a problem with Blemain and wondered if anyone had come up against it before.

 

For various reasosn I was stupid enough to go for a loan with these people through Ocean Finance.

I ran into trouble a year agon and clocked up £800 in arrears.

I had an email exchange to try and sort it out but they refused and went to court for possession.

 

They told me via email that thay would settle for a suspended order and as I didn't have funds to clear it I went to court.

On arrival their solicitor advised that they wanted the full order granted.

Luckily I took copies of the mail trail with me and the judge granted a suspended order.

 

I agreed to pay £200 per month via an increased direct debit.

The debit duly kicked in and I forgot all about it until I checked my online account and found that they had continued to take the extra £200 for an extra 2 months.

I contacted them but had to resort to cancelling the DD before they would do anything. I

 

t has taken another month to get them to send me a fresh DD mandate but on checking I have found that they had added another £19 per month to my normal repayment. On calling them I was told that the additonal charge was for legal fees dating back to last year.

I don't recall an order for costs being made.

I have never seen a bill and there has never been a mention of these charges in telephone conversations.

Can they apply these charges ?

 

I have told them that I want a fresh DD with the original rate reinstated and that I want a separate statement to cover these fees and I will pay them separately if I have to. Surely they cannot just tack these charges to the loan repayment?

 

Any help much appreciated

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Hi

 

 

You have my sympathy as I know full well what these sharks are like.

Use the search facility at the top of the forumn and you will find many threads about them, none of them good!

 

Firstly you need to do a SAR and state very clearly what you require. Ask them to include the underwriting sheet and ask for a full statement of account and a full statement of charges. This will give you a clear picture of how your account stands (hopefully as they are not known for complying with these requests!).

 

I had them take money without consent and it took 6 months to get it back off them. I now pay by standing order and refuse to give them access to my account. If I were you I would do the same.

 

Once you get statements from them you can work out what to challenge them on.

 

Good luck

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  • 2 weeks later...
  • 7 years later...

I am aware that people have problems with this company who now call themselves "together Money".

 

Mine is a sorry tale,

back in 2006 I ran into problems with my main mortgage lender as I was out of work.

 

I started to get eviction letters so panicked and went to Ocean Finance for assistance, they pointed me at Blemain.

 

I borrowed 13k, this was to clear any arrears and hopefully leave me a few pounds.

I barely received a penny,

the arrears were cleared but I was charged an arrangement fee and a brokerage fee which amounted to nearly £1000.

 

On reflection I should have also been concerned when Ocean told me to change the reason why I wanted a loan to "home improvements".

 

That said I was in a panic and just wanted some peace.

 

Some hope of that with these people, we have had constant disagreements over additional charges.

 

On one occasion I found that they had amended a direct debit without warning to include charges for buildings insurance.

 

They were sent my policy documents on three occasions and have never refunded the money.

 

Right now they have an eviction order against me for £800, they resort to this every time there is an issue.

 

I have tried to get help but as the loan is over 6 years old the FCA wont get involved.

 

My problem is that a loan of 13k repayable over 15 years with no change in monthly payments is extortion,

I have repaid the loan with interest but they still want £180 each month until 2021.

 

Is there anywhere I can go to fight this please.

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firstly have you got all the statements

and have you put in a reclaim for everything you should not have paid?

 

I cant believe for one minute that once all the evidence was infront of the judge at the case for eviction he didn't make them take the lot off.

 

how did you defend yourself?

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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can I suggest

you don't mean eviction but a suspended possession order.

 

how many times have theyhad you in court

 

or have they simply used that as a weapon to make you pay

 

yes my thoughts too SPO

 

what seems like unnecessary building ins

 

and prob £1000's in arrears fees and god knows what else.?

 

please expand on the story

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 for the replies,

 

they applied for and got an eviction date of September 26th.

 

I am going to have to pay the arrears and get it dropped.

 

My main reason for posting was the hope that I could find someone who would know if I could challenge the validity of the loan in some way.

 

I have sent a copy of the loan agreement that shows the brokerage and arrangement fees etc

but I don't hold out much help.

 

In the meantime I am saddled with another 5 years at £180 per month which totals another £10k.

 

Bearing in mind the original loan was only 13k and I have paid since 2006 this has to be legalised extortion

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we need a time line of events and some history and uploads please

 

 

...get it all in place then those in the know will be able to help properly.

 

 

it is difficult, with only scant info to advise on such an important issue.

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

I found all if the names of the current directors and finally got someone to take me seriously.

 

Strangely enough I emailed their collections team last week to ask why the length of the loan had not reduced when I have been paying £20 over the correct sum each month.

 

I received a letter on Saturday informing me that they had made an error and they have credited me £890.

I have passed the letter to the director who has responded.

I have also asked to go over every penny of every charge and overpayment dating back to 2006 when the loan started.

 

This is not the first time they have admitted errors I just didn't keep a record.

I have sent the letter to the ombudsman as well. Is there anything else I can do please

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What a surprise there!!!!

They don't make mistakes!!!

 

So eviction is off and have they now cancelled the spo too

As you owe nowt so the order is null and void?

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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  • 3 years later...

Hi

I can see by the the listings that I am not alone in having difficulties with Blemain.

I took out a loan with them via Ocean Finance in October 2006.

The loan was 13K with a credit charge of 18K.

The term was 180 months at £176.37

. I know the terms were bad but I was self employed and had run into difficulties with my main lender so my home was at risk.

 

I have asked them repeatedly for some sample figures but they persist in sending out a 20 + page statement.

The latest figures that I asked for are as follows

 

As at March 2019 I had paid them £24,076.82 they stated that a balance of £18,893.39 with two years left there is no way it would be anywhere near complete by the end of the original term.

Looking back at records they have applied charges nearly £8.5K

 

I have had constant battles with these people around charges.

For instance I have always overpaid each month but the loan duration has never reduced and the over payment is always swallowed up with charges. They have levied £726 in solicitors charges, I have asked for a detailed breakdown but they refuse, they actually charge for emails from their solicitor. 

 

With the arrival of IR35 It contracts are hard to come by and I have been out of work for a couple of months and couldn't pay them. I have explained the position but I now fully expect them to try to repossess my home.

 

Is there anything at all that I can do please         

 

    

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4 threads merged for history

 

send them an sar get all the statement and the comms log

I bet there are £10'000's of insurances fees and today its raining charges to reclaim.

 

p'haps don't forget to comeback this time and update us?

 

dx

 

 

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

click sar

not by email no.

dx

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

Also

if anyone is interested,

I originally applied for the loan via Ocean Finance,

I chased them today for a copy of my original application form as I believe there may be discrepancies that I want to check.

 

Please see the reply from Ocean Finance below.

It seems that my documents and data are lost, the name Ocean Finance still exists so I have asked for details of their compliance officer   

 

"Thank you for your email. You have requested information relating to a loan that we believe you had previously taken through Ocean Finance and Mortgages Limited.

 

Unfortunately we are unable to assist you further with your request as Intelligent Lending Limited (company number 04291279) which trades under the name Ocean and Ocean Finance, is a separate company to Ocean Finance and Mortgages Limited (company number 04892540). 

 

Please be advised that in August 2012 Intelligent Lending Limited purchased the Ocean Finance brand from Ocean Finance and Mortgages Limited.  If you therefore took out your loan before this date it would have been through Ocean Finance and Mortgages Limited (company number 04892540) and not Intelligent Lending Limited. 

 

Ocean Finance and Mortgages Limited has however ceased trading on 16th August 2016.

 

 

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who are you paying?

 

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

The loan was arranged by Ocean Finance with Blemain (now Together money) . I want to see the original application documents but it seems that records have been lost due to the changes of ownership of Ocean Finance. I am checking out the viability of reporting them under data protection and FDR. 

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who do you pay 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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Share on other sites

then that's who should of gotten your SAR.

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... 

Link to post
Share on other sites

should be in the sar.

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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