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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Lowell Solicitors / Halifax Personal Loan now Court Claim Received ***Claim Discontinued***


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It was set to zero in 2015, and that’s when it ‘switched’ account numbers. It says on the loan report ‘state of account is repaid - written off’

As far as I can make out, the original loan account ceased to exist in 2015.

Again, happy to stand corrected as there is so much stuff in the SAR and it’s incredibly confusing!

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So why was it assigned to Lowell if it was wrote off ?

 

Quote

 It says on the loan report ‘state of account is repaid - written off’

 

 

Can   you scan redact and upload this report Spam ?

We could do with some help from you.

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Maybe it only reached the written off stage when it was sold to Lowell, it's just that the only dates on there are the 2015 ones......

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Interesting status report states date of 17th Dec 2020...does the DSAR reveal anything about the assignment to Lowell ? 

We could do with some help from you.

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I think the 17 December just relates to my SAR request and when it was processed by them. 

The account was sold to Lowell in December  2019 under the account number I don't recognise apparently.

I'm sure I saw something about the account being written off on one of the Westcott screenshots, but I need to go back and find it again. 

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Keep checking....and you dont have a copy of the Notice of assignment ?

We could do with some help from you.

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Apparently Copies of Default, Enforcement, Termination and Assignment notices are not saved by Customer name so Halifax are unable to provide copies under a DSAR.

 

I have contacted the DSAR team today because the only glossary of terms missing relates to recoveries, therefore I'm having difficulty completely understanding some of the terminology.

 

With regards to the potential write off of the loan in 2015 there is an entry on the repayment sheet listed under WRO , Bad Debt account transfer and the balance is set to 0

 

On an accompanying sheet there is an entry, among others that says ' Set recoveries write off'

 

There are no other  mentions of the account being written off before the sale to Lowell in 2019.

These entries are on the same day  in Feb 2016.

 

Without the glossary I can't be sure what the 'WRO' stands for so I'm hoping that they will send me the list I've asked for...... although the phone call asking for it was like pulling teeth...

 

Spam 🤓

 

 

 

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WRO , Bad Debt account transfer and the balance is set to 0

 

Account transfer would appear to be logical as I've already said...complete write offs are as rare as chickens teeth.

On the upside.....given Halifax have no documents...then neither do Lowell.

We could do with some help from you.

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Get your AOS done by Friday 12th .400pm

We could do with some help from you.

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  • 4 weeks later...

I Submitted my defence last weekend,. In short, denying all allegations and requesting that the claim be struck out as claimant has no documents to support their claim and  have failed to provide any evidence whatsoever that any monies are owed to them by me and I considered it an abuse of process.

 

I have now received their directions questionnaire where they are championing 'Mediation over the telephone'

 

Should I agree to mediation once I receive the questionnaire from the court bearing in mind the dispute is about the existence of the alleged account and the lack of documents to prove it exists/ existed?

 

All I can say in mediation is that I've never heard of the account...... Do Lowell have to provide documents to the mediator? 

 

Thanks in advance for any advice offered and sorry if the answers can be found elsewhere, but I'm not sure where to look 🤓

 

Spam 

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Just about any card or loan clamform thread here

You agree to mediation until the actual call on the day

If by then you still dont have enough info to make an informed decision..you say no.

 

3 copies n180.

 1 wit you

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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and what defence did you file please?

 

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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Thank you both.

My defence was as vague as their Claim.

 

1. I am the defendant in this claim and litigant in person. All allegations made by the claimant are denied.

 

2. The defendant does not recognise the alleged agreement xxxxxxxxxxx as mentioned in the particulars of claim therefore it is denied that any such agreement exists.

 

3. The defendant has requested copies of the alleged agreement under Data Subject Access Request, Consumer Credit act 1974 s.77/8 and Civil Procedure Rules 31.4 but to date the claimant has failed to provide a copy of this document.

 

4.The defendant has also requested copies of the default and termination notice for the alleged account xxxxxxxxx as required to legally enforce the alleged debt, but again the claimant has failed to provide either.

 

5. In addition the defendant has requested copies of statements for the alleged account xxxxxxx showing the amount of monies allegedly owed to the claimant. To Date these have not been provided.

 

6. The defendants view is that this claim is vexatious and an abuse of process as the claimant has failed to provide any documentation to support their claim and respectfully requests that the said claim be struck out.

 

As an aside, I noticed that the 'statement' they did provide had a different figure on it to what they are claiming, so I will hopefully be able to flesh out quite a bit in my skeleton argument.

 

Spam 

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  • 4 weeks later...

Hi all,

 

I filled in the allocation questionnaire, sent it to Lowell and the court agreeing to mediation.

 

Lowells response was to send me a Tomlin Order.

 

I contacted Lowell to inform them that I would not be signing their Tomlin order and advised them I had only agreed to mediation in the hopes that they would provide some documents.

 

I then received another email basically trying to bully me into admitting I had this alleged account/loan.

I decided that mediation was no longer a good idea and have cancelled it and elected to go for a hearing.

At least the Judge will see what trash they have provided me with as 'evidence'.

 

One thing Lowell has said is that they do not need a default notice as the alleged loan is now past its fixed term.... is this correct or is this another dirty tactic?

 

I always thought one was needed to legally enforce a debt.

 

Perhaps those in the know can advise me. Thanks in advance....

 

Happy days,

 

Spam 🤓

 

 

 

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i thought you'd been reading up?

the lowells tomlin letter is a std tactic on almost all lowell claimform threads detailed here already

you should have simply ignored them.

 

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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you seem to sadly and repeatedly suffer, for some reason, always to forget advice given directly in your thread or to others from those you read. it might be far better going forward to always check here 1st before you act by yourself in the future........

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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Quote

 they do not need a default notice as the alleged loan is now past its fixed term

 

Depends on what date the breach (default) of contract occurred...I doubt very much is was after the fixed term and more likely half way through it. Therefore the agreement never reached its fixed term....and the creditor must serve a default notice to allow you the opportunity and time to rectify any breach to allow the agreement to resume subject to b) and c) below.

 

A fixed term loan cant possibly continue its full term when there as been a breach in the agreement.

 

sec 88 Contents and effect of default notice.

(1)The default notice must be in the prescribed form and specify—

(a)the nature of the alleged breach;

(b)if the breach is capable of remedy, what action is required to remedy it and the date before which that action is to be taken;

(c)if the breach is not capable of remedy, the sum (if any) required to be paid as compensation for the breach, and the date before which it is to be paid.

We could do with some help from you.

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Thank you Andyorch, that's extremely helpful.

The default they are saying that's not needed, according to them was served in 2008, the alleged loan was for 7 years taken out in 2005, so they are contradicting themselves left right and centre.

 

Despite the fact that I have made a huge faux pas in engaging with Lowell with regards to mediation, it has actually given me a heads up in to how they were going to attempt to ambush me.

I've informed the court and the mediation service that I won't be partaking and I shall sit here quietly waiting for the next move. 🤐

 

Spam 🤓

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They say money talks......mine just keeps saying "Goodbye"

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54 minutes ago, Spamalot said:

I shall sit here quietly waiting for the next move.

might be much better to get reading up on witness statements the next stage

 

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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