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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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      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.

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


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Hi, has anybody got a link to the last set of SPPL's accounts that were submitted. I'm sure I've seen them posted but been searching through the posts here for a good while now without any luck :(

 

Hi Sawyer

 

if you go back onto the main forum

 

Mortgages and Secured Loans - The Consumer Forums

 

and click on the paperclip for this thread, it will let you see all the files that have been attached to this thread.

 

Hope that helps

 

Payback

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Finally got a letter from Capstone . I quote,

"You Originally applied to SPML for a loan, SPML provided the loan for youon 12th August 2004. Your loan agreement is with SPML as a lender. This loan is secured by way ofa first charge with SPML as the mortgagee(and you executed a mortgage deed to this effect)

SPMl retained legal title to your loan and is the lender of record. Accordingly SPML is the proper party to anyproceedings in relation to your loan.

 

The name of the SPV which includes your mortgage is'SPS04-2 First Charges'Your loan was securitised on 29th November 2004.Capstone Mortgage Services Ltd is appointed as administrator to act on behalf of Southern Pacific Mortgages Ltd in the day to day administration of Loans & Mortgages. Capstone acts in accordance with the terms of its servicing agreement with Southern Pacific Mortgages Ltd. There is therefore no single or individual employee from which Capstone takes instruction, rather it takes instruction from Southern Pacific Mortgage Ltd the company, which is a legal person"

 

This was written by Charlotte McKearnan of the collections department. the same person who told me that SPML & Capstone were the same company!!

Well that is as clear as mud!! Can anyone tell me what this means ?

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It tells me that they are trying to have their cake and eat it. Use CPR 31.6 for a copy of the service agreement, if you are already in proceedings.

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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Hi - is SPPL defunct or not? - appears on companies house as active with note "proposal to strike off" and the note to shareholders dtd Dec 2009

Southern Pacific Sec: Notice to Noteholders | Company Announcements | Investegate

 

informs that insolvency is imminent and the notes transferring to the Issuer with permission from Trustee - errrrr the Issuer?? capstone??

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Complex stuff this particular securitisation model. Sppl are a busted flush. The issuer is the spv most likely one or other of the Eurosail entities.

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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Complex stuff this particular securitisation model. Sppl are a busted flush. The issuer is the spv most likely one or other of the Eurosail entities.

 

Received at Companies House on the 13/01/2010.

 

Southern Pacific Personal Loans Ltd.

SAIL Address

The address for an alternative location to the company's registered office for the inspection of registers is:

Pellipar House

1st Floor

9 Cloak Lane

London

EC4R 2RU

 

The following was moved to the alternative address:

Register of members. Register of directors (blank page?) Register of secretaries. Records of resolutions and meetings.

Instruments creating charges and register of charges: England, Wales and Northern Ireland.

 

The main occupant of Pellipar House is: Tradelink Worldwide Ltd.

 

Licenced by the OFT, looks as if they are in the securities business ( what a surprise) some of the other names that came up were: Meerbrook Finance and Leek Finance.

 

Two new licences applied for late 2009, at the moment pending.

 

So on the 13/01/2010 SPPL was a shell, no directors and all the company records removed, but thats the date Companies House were told I wonder what the date was of the actual transfer?, so was any repossession action taken in the name of SPPL after the 13/01/10 legal?.

 

What a tangled web they weave.

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So the FSA register as we know is completely out of date attia having resigned some time ago last year,arent they under an obligation to tell the FSA this.The second point being that they say spml are responsible under the FSA for the actions of their agent and that sppl is therefore not regulated by them which asks the question that any agreement made with sppl is therefore NOT a regulated agreement?.

Aren't all agreements after a certain timeline regulated under some act?

 

..just to clarify on this a little further & so as to avoid confusion..

 

SPPL act(ed) as an appointed representative of the principal SPML.. therefore they achieve(d) their regulatory authorisation via this relationship with SPML..

 

..it's somewhat like acting as a sales agent.. you execute the loan through SPPL but for all intents and purposes it is really with SPML..

 

..SPPL agreements and letterheads etc should state that they act as an appointed representative of SPML..

 

..I believe, in this situation and as far as the courts are concerned, either SPPL or SPML can register title for example, or take legal action against you..

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..just to clarify on this a little further & so as to avoid confusion..

 

SPPL act(ed) as an appointed representative of the principal SPML.. therefore they achieve(d) their regulatory authorisation via this relationship with SPML..

 

..it's somewhat like acting as a sales agent.. you execute the loan through SPPL but for all intents and purposes it is really with SPML..

 

..SPPL agreements and letterheads etc should state that they act as an appointed representative of SPML..

 

..I believe, in this situation and as far as the courts are concerned, either SPPL or SPML can register title for example, or take legal action against you..

 

SPPL only made loans regulated by the CCA,(under £25K) and were a registered company at the OFT, any loan over £25k was unregulated and to make those loans you need an FSA licence.

 

SPML, FSA and OFT regulated.

 

SPPL, OFT regulated only.

 

You also need an FSA licence if you offer first charge mortgages regardless of the size of the loan.

Edited by not another b----- letter
Something left out.
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Just going off topic for a minute have a look at this item on ebay; read the description of the goods, going to bed with a smile on my face and I have not read it all going to keep some for tomorrow.

 

 

2005 RENAULT CLIO DYNAMIQUE 16V BLUE on eBay (end time 23-Mar-10 15:10:07 GMT)

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Hi - I have a copy of my original application form for an SPPL loan sent by Capstone - it is mostly illegible but cant see anything about being appointed representatives of anyone - I do note however that this printed on Capstone paper with their details rather than SPPL's and a declaration of theirs about transfers, assigns etc., "who may rely upon the truth and accuracy of the information" - hmmmmm

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@ campari2 - that's a rather suspicious sounding copy of the app. form is it not.. hmmm indeed.. if you can remove identifying information and post it up here then perhaps some useful questions can be raised..

 

..also, have you requested and received a copy of the loan cheque from the bank you deposited it with?.. it will at least confirm which company performed the loan agreement..

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@ campari2 - that's a rather suspicious sounding copy of the app. form is it not.. hmmm indeed.. if you can remove identifying information and post it up here then perhaps some useful questions can be raised..

 

..also, have you requested and received a copy of the loan cheque from the bank you deposited it with?.. it will at least confirm which company performed the loan agreement..

Zillak: no need - I have the original - just wanted to see theirs!:)

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I have now managed to catch up finally on all the posts I have missed during my absence.

I must relate a rather amusing story that occured yesterday.I was assisting a colleague who had got into difficulties with her mortgage repayments, due to illness, with a reputable company.We attended a court hearing yesterday and at its inception we were seated with the opposing parties in the court room.The judge,a rather priggish, po faced,world weary and crusty elderly gentleman entered the hushed and tense courtroom in headmasterlike fashion and in obedience and subservience befitting his stature we all rose.

The judge on seating himself broke wind in an outrageous thunderclap fashion and then continued oblivious to his actions as though he had just wiped his nose and as though such behaviour was the most natural in the world which made matters for us intolerably worse.The opposing parties sat down without comment,sound or expression.

My colleague and I in utter stunned shock and disbelief sat down nervously and were unable to look at each other at all throughout the proceedings without corpsing violently ,our faces scarlet in attempted futile containment ,our case suffered markedly as a result.

The austere judge looking over his spectacles took notice of our actions and behaviour and stated that he could not understand why we found the proceedings so amusing.!

I leapt to our defence crying "NERVES YOUR HONOUR"

All to no avail as he awarded rather contemptuosly a suspended possession order.

Does anyone think we have any grounds for appeal?

Edited by actionnotwords
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Hi - I cant believe that this is a serious question. It will be noted immediately that the other side 'coped' and there's your answer - I'm sure it was distracting but not a riot eh - not wanting to sound harsh but it really doesnt seem worth consideration, to me anyway.

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Hi ANW

 

An amusing anecdote but a less than satisfactory outcome.

 

If you are able immediately request an EX107 which is a transcript of the hearing. I'm afraid it costs a considerable sum of money but is vital...possibly in the region of £150.

 

Next did the judge, AS HE MUST, assess the overall contract for the fairness of the terms? I bet he didn't.

 

I can furnish you with the relevant law later if you want to mount a viable challenge to the SPO.

 

You then appeal and the SPO is overturned. IT HAS TO BE...Otherwise the court is violating Community Law and national courts are pro tanto Community courts. End of.

 

I wish people would take this EU dimension more seriously. It's where the vast majority of our consumer protections lie and our courts are bound to make these assessments. It is a non contested appeal...there are no grounds for challenging such an appeal. There has been a visible and material error in law...

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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Hi ANW

 

An amusing anecdote but a less than satisfactory outcome.

 

If you are able immediately request an EX107 which is a transcript of the hearing. I'm afraid it costs a considerable sum of money but is vital...possibly in the region of £150.

 

Next did the judge, AS HE MUST, assess the overall contract for the fairness of the terms? I bet he didn't.

 

I can furnish you with the relevant law later if you want to mount a viable challenge to the SPO.

 

You then appeal and the SPO is overturned. IT HAS TO BE...Otherwise the court is violating Community Law and national courts are pro tanto Community courts. End of.

 

I wish people would take this EU dimension more seriously. It's where the vast majority of our consumer protections lie and our courts are bound to make these assessments. It is a non contested appeal...there are no grounds for challenging such an appeal. There has been a visible and material error in law...

 

I have just paid £120.00 for a transcript of proceedings in my case, sent cheque 2 weeks ago, not cashed yet and transcript can take up to 28 days but will be worth it in my case

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Further to my experience above,the initial expected outcome of the hearing was a suspended repossession order.Fortunately my colleague's loan is not with the people here on this site and is within her limits.

If one can take a moral lesson and a positive from this experience it's to always be prepared for the unexpected.!

One old fart can usually be handled in the frosty and serious confines of the courtroom , two is almost impossible.

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