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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Corona Virus- Budgeting during a crisis


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Hi

 

Thought I would start a discussion thread, so people can share their budgeting tips/advice or information.

 

Which household bills are a priority ?

 

Government help being offered  ?

 

Which debts are a priority ?

 

Actions that can be taken to reduce outgoings to avoid going into debt ?

 

People will be worrying about how this crisis is going to affect them, their families and their businesses.

 

Perhaps we can help others by sharing  our experiences and offer any tips/advice.

 

 

 

 

 

 

We could do with some help from you.

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So here my offering - I am rather lucky. The industry I am in at the moment is in High Demand to keep people connected.

I also dont have to travel into London to work and can do so from home.

 

I pay a modest 3 figure sum every month to travel into London from West Sussex - For maybe the next 2 months I might not have to pay this which is great.

But not everyone will be as lucky etc.

 

It makes me wonder about supermarkets though. Predominantly I shop locally to me from my convenience store as I always used to be on the move which hasnt been ransacked.

But with Supermarkets - Are people going to queue round the block like they have been doing?

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Definitely list what you normally buy price it up, remove what is not absolutely essential, and plan for that

 

My Local  Council said Council Tax will have to be paid whatever,  but to contact and come to an arrangement, and are planning on seeking Liability Orders as usual through the Crisis.  MOJ might kibosh that. They said the system of letters and Liability Orders is highly automated, and the only human intervention is to manually put a hold on the account, don't contact them and the LO goes through automatically.  However, If someone is on Reduced Income they should apply for Council Tax Relief whether Renting or buying.

We could do with some help from you.

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This is my first post on the forums here but budgeting is an area close to my heart.

 

My top-5 tips:

1. Ever more important now to shop around for the cheapest energy supplier / insurance / mobile phone contract.

2. Buy bigger packs of items where the unit price is often cheaper (e.g. washing tablets) and look out for 2-for-1 offers etc.

3. Switch to LED lights, turn off electrical items on standby.

4. Don't throw out food just because the Best Before date has been reached - there is often a window of safety with BB dates.

5. Be wary of auto-renewals on subscriptions - check when annual subscriptions end and make sure they are cancelled in time.

 

Hope that is of some help.

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if you are paying ANY debt collection agencies (DCA's) ANY money at all - STOP PAYING THEM NOW.

or id you don't feel that brave yet..drop to <£5PCM.

 

the above is a far too short a statement but GENERALLY applies to every DCA you are blindly paying.

 

but PLEASE DO NOT ASK QUESTIONS ON THIS THREAD

create a NEW TOPIC by hitting +CREATE in the top RED BANNER.

 

there are three exception:

 

1. LOOK at their letters - if the letter says OUR CLIENT xxxx - seek advice start a topic

2. if this is a secured debt - i.e THEY are named on your DEEDS .

3. if they have already attained a CCJ/CO . 

 

but if the above do NOT APPLY - PLEASE follow above

the current climate is probably one of the only chances we will ever have of destroying many DCA's and the £B's of money they FLEECE from people everyday.

 

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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Plus,

 

I called a DCA we have been paying £50 per month for the last couple of years towards a CCJ. I have lost some income, and my wife is classified as someone vulnerable who needs to stay inside for 12 weeks.  Luckily she works from home and has a good , secure job.  However the DCA suspended payments and is going to write of the remaining £1000 plus balance.

 

I also called the mortgage company, and we have a 3 month (extendable) mortgage holiday waiting if we need it. This will not affect our Credit file.

 

Everyone is in the same boat right now, and will be able to help. Don't lose anymore sleep, get on the phone.

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We could do with some help from you.

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Lantern UK are still open and still attempting to get money. 

I asked what their policy and whether they would be closing up due them being a non essential business. Of course you know the answer already...

 

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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With regards to Mobile Phone contracts, sometimes better to buy a phone, some decent ones around and get a SIM only, or even keep your existing phone if still good at end of contract and sim only in that.

 

Councils seem to be still after Liability Orders for Council tax, arrears but don't think Bailiffs will be allowed to call soon.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Giffgaff!!

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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Some decent deals there DX

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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and no contract and as the network used by o2 has (so i'm told by my ex emergency planning boss ) recently signed a deal to provide the background data streams for the all the new 999 tetra replacement system along with the existing use of EE can only get better

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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Just got a written confirmation of my mortgage holiday, with no adverse affect on my Credit file.  I would implore anybody in short term financial trouble to call their bank or building society.

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That's good news, HA's and Councils are discussing what to do about the Rent rises they jhave planned, as well.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Do not go overdrawn on your main Bank account, as the costs of doing so, can be very expensive.   And you may lose the Bank account if it is closed.

 

If there is not enough money available to pay Direct Debits or Standing Orders,  please do cancel these by contacting your Bank or using online/mobile Banking.

 

When you cancel Direct Debits or Standing orders, please do contact the companies/organisations in writing to advise that due to the current circumstances e.g. Loss of work, the DD or SO has been cancelled. If you are in a position of hardship, please do tell them this and ask what help they are able to offer.

 

As soon as you have an alternative source of income, then look to start paying all priority bills. Do not restart DD's or SO's unless the new income source is reliable and you are able to manage your finances.

 

 

 

 

We could do with some help from you.

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Please do use a Benefits Calculator to find out what help might be available. Sites such as Turn2Us and Entitledto have calculators and benefits advice.

 

Please do contact your Landlord, if you are unable to pay the full rent.

 

Please do contact your Mortgage company, before you cannot make a payment due, to discuss the help available.

 

Please do contact your local Council Authority if you are in extreme hardship circumstances, as most have a one-off welfare fund. This is where you have run out of money, are waiting for Benefit applications and have no other source of help.  

 

DO NOT FEEL EMBARRASSED ABOUT YOUR SITUATION. Remember that millions of people during a major crisis period, will have very similar issues and feelings. 

 

Make a list of all Household budget items.

 

Decide what items you don't need.

 

You will end up with a priority list of spending.

 

Concentrate on the priorities. Keep in contact with those companies that provide you with the priority services and do your best to pay these priority bills, using any benefit money, if this is required.

 

 

 

 

 

 

We could do with some help from you.

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With regard to UncleBulgaria's advice the new FCA rules on Overdrafts have made them a no no for many as the interest rates exceed even Credit Repair credit cards,and possibly payDay loans Cancel those DD s after contacting the creditor, and offer alternatives as suggested, like payment holiday, or reduced payments, Look at Council tax Relief that doesn't just apply to renters.

We could do with some help from you.

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Absolutely, definitely not the time to be taking on any credit.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Good point HB, but Credit Unions are having issues due to much of their day to day being face to face with manual transactions. we need to find out which are accessible digitally as well.

We could do with some help from you.

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This is the link to a local CU near me, they are face to face, with payroll deductions and other methods looks like they have cut back due to Covid-19

https://www.cambriancu.com/en/?utm_source=www.findyourcreditunion.co.uk&utm_medium=Website&utm_campaign=www.findyourcreditunion.co.uk-link)

 

We could do with some help from you.

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  • 2 weeks later...

FCA announcement 9/4/20

From interest-free overdrafts to credit card payments, the FCA has told banks to help borrowers during coronavirus crisis: What will it mean for you?

  • The FCA said banks must offer interest-free overdraft buffers of £500
  • It also said people could put their credit card repayments on hold for 3 months
  • This would not affect their credit score but they would still be charged interest
  • This is Money explains what the proposals mean for consumers  

 

https://www.dailymail.co.uk/money/cardsloans/article-8203647/What-todays-new-FCA-debt-measures-mean-you.html

 

https://www.fca.org.uk/news/press-releases/fca-confirms-temporary-financial-relief-customers-impacted-coronavirus

We could do with some help from you.

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