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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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.

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SPML/LMC anyone claimed for mis selling and unfair charges?


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Or in the case of the FSA they come up with a big fat zero...A shower of sh*t? Absolutely...

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Sced

another 2 months to go by the look of it then,minimum.

RE authorisation I cannot find anything in the mortgage contract stating that capstone or anyone else is authorised to step into the lenders shoes and act for them can you? there is a bit about the right to assign but that is entirely seperate.

What infuriates me is that courts just accept this authorisation without demanding evidence of it even when the point is stressed and proof is demanded, because a solicitor presents the case,in fact capstone just assume the identity of the lender which in the case of sppl and lmc is a total impossibility.

I'm going to contact the feckin' FSA and ask them the reverse question;is their investigation into the 4 firms now over and have they all been exonerated ,might get a straight answer then.

Edited by ryde
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Im still waiting to hear back from Ernst & Young, not holding my breath though, aslo how long do FOS take to get back after a complaint has been filed?

If the SFO dont take up the investigation then perhaps notify the Met Police Fraud Squad at Holborn Police Station. I will post contact details when I get them!

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They were going down and the smart money knew it...

 

..isn't it also true that all UK based coffers were emptied prior to filing bankruptcy?

 

I still maintain the opinion that there will be a large number of accounts (secured loans) moved to SPML from LPL/SPPL, between late 2008 and early 2009.

 

What's the legality of contacting some of these LPL/SPPL customers?

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Sced

another 2 months to go by the look of it then,minimum.

RE authorisation I cannot find anything in the mortgage contract stating that capstone or anyone else is authorised to step into the lenders shoes and act for them can you? there is a bit about the right to assign but that is entirely seperate.

What infuriates me is that courts just accept this authorisation without demanding evidence of it even when the point is stressed and proof is demanded, because a solicitor presents the case,in fact capstone just assume the identity of the lender which in the case of sppl and lmc is a total impossibility.

 

No there is nothing in mine whatsoever and they still continue to refuse to provide any such evidence so I am in a stalemate situation and until they provide some form of authorisation they will not get another penny, court order or not. When in court the solicitor says they are acting on behalf of the lender but of course the instruction comes from Capstone.

 

My argument is that if the order is made in favour of the lender then it is the lender that should be paid. If it is the case that there is a third party administrator then either there should be notification of assignment or the court should make it part of the order that Capstone should be paid and if all goes wrong you can fall back on the court as making the error by not requesting the same evidence. Failing all that then as far as I am concerned the Lender is to be paid but they provide no means of being able to make such payments.

 

Capstone claim they do not communicate with the lender whatsoever and they have full control over the account and what happens with it So we just end up back with the assignment of administration issue. At the end of the day I dont think it is unreasonable to ask for written authorisation from the lender and in theory the courts shouldnt see this as an unreasonable request either.

 

Sced

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Are they refusing to accept a cheque made out to your lender,you have every right to use the super can't give valid receipt excuse if this is the case,but I would inform the court of this fact and the fact that they will not show you their authorisation just to cover yourself,think you may have already done this?

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eie

 

As I understand it if accounts and balance sheets have been deliberately manipulated to conceal large sums of money from potential creditors as may well be the case this is clear evidence of fraud. I know an accountant ( Known him for years actually). Could someone post it all in one place so I can ask him to have a look? This might be quite revealing.

 

I can post these all here in pdf form its just a matter of trawling back through the posts,mainly sceds.

What needs to be done is a chart or diagram showing whats owed by each one to whom then the whole picture will emerge and as most have been done seperately and with luck on a company by company basis there might be some big revelations and something that cannot now be covered up.

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eie

 

As I understand it if accounts and balance sheets have been deliberately manipulated to conceal large sums of money from potential creditors as may well be the case this is clear evidence of fraud. I know an accountant ( Known him for years actually). Could someone post it all in one place so I can ask him to have a look? This might be quite revealing.

 

I can post these all here in pdf form its just a matter of trawling back through the posts,mainly sceds.

What needs to be done is a chart or diagram showing whats owed by each one to whom then the whole picture will emerge and as most have been done seperately and with luck on a company by company basis there might be some big revelations and something that cannot now be covered up.

 

I have all these on my computer so it will be easier for me to get them to save trawling through the posts.

 

I will upload them all to one post later today.

 

Sced

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Are they refusing to accept a cheque made out to your lender,you have every right to use the super can't give valid receipt excuse if this is the case,but I would inform the court of this fact and the fact that they will not show you their authorisation just to cover yourself,think you may have already done this?

 

I dont have a personal cheque book i'm afraid so this is not an option. I have contacted the court to tell them but the clerk didn't seem overly interested and I assume they just put a note on the file.

 

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Has anybody with a LMC mortgage been contacted over Capstone taking over the administration of their mortgage in April?

 

I had letter today,is this where I can object at LR?

 

Dotty can you post the exact contents of the letter the wording is important.

Simply taking over the administration means collecting the money etc.It would have to actually be from lmc not capstone unless capstone produced a letter of authorisation direct from lmc(an impossibility as they have no directors).

LMC would still hold the legal title to your mortgage.

If it says that the legal title is being transferred thats an entirely different matter.

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Got your pm Dotty...Ta! The Eagle has Landed...

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Dotty can you post the exact contents of the letter the wording is important.

Simply taking over the administration means collecting the money etc.It would have to actually be from lmc not capstone unless capstone produced a letter of authorisation direct from lmc(an impossibility as they have no directors).

LMC would still hold the legal title to your mortgage.

If it says that the legal title is being transferred thats an entirely different matter

 

I will post it up later as I am just on my way out.

There is one thing though,my charges for being in arrears will be going up dramatically to £115pm where as now the arrears fee is 42.50.

 

Got your pm Dotty...Ta! The Eagle has Landed

 

No probs EIE,the eagle has certainly landed ;)

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Absolutely! Get it copied and send it recorded delivery. Copy or photograph the payment stapled to the letter. They seem to lose payments but get the letters. They may claim the cheque is unsigned, payment wasn't sent or whatever else they can dream up.

 

The cheque was cashed as I checked my Bank Account!!!

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I received a letter today off capstone, it is stating that our payment on the 1st april will be increasing to £xxx.xx no mention of the libor rate increase infact it does not even state the libor rate at all..(old tricks die hard) in theory there is an overall increase if £1 something... Capstone are kindly informing us that we actually have a credit on our account of £12.xx. If we would like to use this against the april payment of £xxx.xx then we are invited to do so. Bearing in mind that we appeared in court in Feb 09, and have adhered to the payment arrangement agreed with the juge of cmp + £50 per month against the £6k + some arrears (mainly arising from crapstones ficticious charges and underhanded bullcrap) the arrears still stand at £6k + some. Why have they not used it against the arrears? (interestingly this credit has not shown up on any quarterly statements received either).

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Dotty

from what it says it is administered for and on behalf of LMC so the legal charge will still be retained by LMC so no worries there at present.Will read through small print later,it will be interesting to see who signed the lmc headed paper.

We must get a plan together collectively to bring ITBG back from the wilderness.I think his head may have dropped.

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I received a letter today off capstone, it is stating that our payment on the 1st april will be increasing to £xxx.xx no mention of the libor rate increase infact it does not even state the libor rate at all..(old tricks die hard) in theory there is an overall increase if £1 something... Capstone are kindly informing us that we actually have a credit on our account of £12.xx. If we would like to use this against the april payment of £xxx.xx then we are invited to do so. Bearing in mind that we appeared in court in Feb 09, and have adhered to the payment arrangement agreed with the juge of cmp + £50 per month against the £6k + some arrears (mainly arising from crapstones ficticious charges and underhanded bullcrap) the arrears still stand at £6k + some. Why have they not used it against the arrears? (interestingly this credit has not shown up on any quarterly statements received either).

 

Isnt it strange that they write to tell you that the rate is going UP?, but when it goes DOWN we have to ring to find out what the new payment is!.:evil:

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HAVE YOU ALL NOTICED SINCE THE INCIDENTS ON THIS SITE OF APPROXIMATELY A WEEK AGO AND THE CENSURE OF VARIOUS MEMBERS THE JAWs ARE NOW ATTEMPTING TO RAPIDLY PUT THEIR HOUSE IN ORDER ,NEW DIRECTORS AFTER 5 MONTHS, LETTERS FROM LMC AUTHORISING CAPSTONE AS ADMIN.

THERE ARE STILL THEIR ACCOUNTS HOWEVER WHICH THEY CANNOT CHANGE OR PUT IN ORDER,THATS WHERE THE CONCENTRATION IS NOW FULLY REQUIRED.

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Sced

another 2 months to go by the look of it then,minimum.

RE authorisation I cannot find anything in the mortgage contract stating that capstone or anyone else is authorised to step into the lenders shoes and act for them can you? there is a bit about the right to assign but that is entirely seperate.

What infuriates me is that courts just accept this authorisation without demanding evidence of it even when the point is stressed and proof is demanded, because a solicitor presents the case,in fact capstone just assume the identity of the lender which in the case of sppl and lmc is a total impossibility.

I'm going to contact the feckin' FSA and ask them the reverse question;is their investigation into the 4 firms now over and have they all been exonerated ,might get a straight answer then.

 

It's stated that Capstone will administer..they can't hold money but have the power to act on their clients behalf. It's accepted that will be allowed to continue to do so until......The FSA are still keeping stum. I think even they didn't realised what was under the surface.

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It's stated that Capstone will administer..they can't hold money but have the power to act on their clients behalf. It's accepted that will be allowed to continue to do so until......The FSA are still keeping stum. I think even they didn't realised what was under the surface.

 

Its definately not stated that Capstone will administer. My mortgage was taken out when PML still administered their own mortgages.

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Hi All, Advice please should I talk to my solicitor

I have received yesterday a letter from London Mortgage Company telling me as from around the 10th April 2010 my mortgage will be serviced in the future by Capstone Mortgage Services Limited. Very strange it says should I have an queries relating to the ongoing servicing call the LMC Customer services teams ot collections teams who will be available. However if I have any questions concerneing the communication sent I should call Capstone Customer Service who will be happy to asssit. A full list of charges for my account have been supplied on LMC headed paper with the Gloucester address on. The info states that Capstone will hold my mortgage deeds for and on the behalf of my lender. It also tells me that my mortgage payments and interest rates will be set and applied in accordance with my Mortgage Offer and the terms and conditions of my mortgage. Has this happened to others on this thread, perhaps if your reading Littledotty, I am wondering why it's only just been sent to me when I think alot of you have already have management by this company

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It now seems quite apparent that the JAWs(lenders) are putting their house in order or at least attempting to.

The above letters although questionable as to authorisation as lmc have no employees are evidence of this.

It is my belief that the FSA having fined gmac as some token and example to the pressure against their own inertia intend to do little if anything else.

Their supposed invesigation should have been concluded in December,we are now in March.What exactly have they got to investigate??

The scale of capstones arrears charges levied is a published document.

All that is required is a comparison with industry acceptable standards and the gmac findings as a precedent,how long does that take , a week at most.

If their charges are above those of gmac and added to existing arrears they should be penalised on the same scale at the very least.

These new notifications are an indication to me that capstone may well have escaped any penalties and the intention is for the whole affair to be quietly brushed under the carpet.

I THINK THE ONLY WAY WE CAN GET ANY JUSTICE IF THIS IS INDEED THE CASE IS TO INVOLVE THE RELEVANT MPS.WHO CAN BE CONTACTED EASILY BY EMAIL.theyre the only ones with enough clout to force the FSA to do something.

Comments?Thoughts?

Edited by ryde
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