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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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Erudio student loans - account terminated for failure to defer


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Hello, any good advice welcome 

Trying to be brief: 

three loans transferred from SLC to Erudio along with a lot of other people’s Have been diligently deferring every year for nearly twenty years as always well under threshold. Until 2020... 

went to defer online, form slightly more complicated than usual (partly as has just started claiming UC due to loss of work due to Covid) and also because they wanted a letter from an accountant along with my tax return, which usually is all I’ve had to send).

So paused it.

Then forgot about it.

Low winter with no work, lockdown related stuff, a bereavement), stupidly thought I’d be ok to defer whenever and was just accruing a few arrears (although I now realise that apparently they don’t do the 25 year wipe with outstanding arrears anyway).

legally perhaps all responsibility is mine here.

They send letters that I don’t open.

Actually wasn’t clear they were from them - some had M&S taste card logos on so assumed they were junk Mail. 
 

Try to pick up online deferment again last week but not there.

Phone them and an told account now terminated and full amount (£6500 inc arrears) now due.

They try to get financial info off me on phone, how much council tax I pay etc but I don’t give them much and say I’ll call back.

They know I am on UC. 
 

Lots of research done since but am overwhelmed and unsure how to proceed.

A lawyer friend has helped me draft a letter that I haven’t sent yet saying I don’t accept termination, that I’d like to go back to deferrals (presumably they won’t do this ever now they have me where they want me). Ask for TCs and copy of original agreement. I guess they’re within their rights but is there any grey area?

Also I’m guessing I’m not statute barred as have been deferring regularly? Although not on paper for perhaps over six years. 

now a letter yesterday from them pretty much just reiterating but also sneaking in vague idea that I could suggest a settlement. 
 

how to proceed?

What will they do?

Is it right that even after a CCJ they’d only ever get a couple of quid a month from me as a friend suggests?

How do I weigh up letting them get least amount possible and also getting rid of them forever.

Settlement sounds tempting of course but not sure I could give them much over 800 (my overdraft) 

would appreciate succinct advice from people who know.

Thanks in advance 

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let them run 

just dont ignore a letter of claim.

 

lets really see where things stand 

have you access to the old SLC portal?

can you go look and see if to them your deferrals ( which you should never have done post 2013...!!) are showing.

 

how late are you.? when was your last successful DF date?

 

you should never have been using their DF form, they ask far too many questions they are not entitled to know the answers too.

always use the old blank SLC form pre 2013 which is the stickies of this forum.

i'm temped just to send that back dated😏 ( oh you didn't get it when i sent it before here is a copy lucky i took one at the time)

 

you are not over the threshold NO? and have never been?

 

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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1 minute ago, ThommyB said:

there’s something in terms and conditions that I originally agreed to or since inadvertently whilst deferring? 

 

in relation to what?

 

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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wouldn't trust/believe them on anything.

don't think we've seen a court claim for 'failed to defer / we've terminated.' ruse

last thing you should ever do is phone a fleecer

they LIE!!

 

SLC Portal?

 

 

 

 

 

 

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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Have spoken with CAB just for their opinion.

 

They advise first of all requesting original Terms and Conditions  .

That legally the 98 ones should hold as a condition of the sale from SLC.

 

For a start the CAB guy seemed to think it was wrong that as a result of the account being terminated  & i lose the right to have the debt written off after 25 years.

 

He also thinks it’s 25 years after signing last loan agreement (2000 in my case) rather than end of studies. 

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never seen any luck with SLC not in  T&C's to do it

everyone loans got sold by the Gov't.... none have ever been successfully challenged to sale was OTT regardless to any T&C's.

 

as for the dates:

 

When will your student loan be written off? - Martin Lewis' Blog... (moneysavingexpert.com)

 

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’re saying Erudio don’t care about original T&Cs?

What I want to know is what are the rules on how much notice of termination (due to lateness or failure to defer) they are required to give 

 

Also have people in my position eventually been issued a CCJ? 

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it doesnt matter if there is anything or not in the T&C's...thats immaterial now...

the gov't sold the debts from SLC to Erudio (arrows DCA in sheeps clothing). negates lots of things.

 

there are numerous Erudio claimform threads here use our search top right.

 

i think what this boils down to, in erudios eyes, is you've not deferred since the 2019-2020 season, so last 'contact' was feb 2019 .

they always either issue a backdoor claimform to an old address or as you legally told them of your correct and current address by repeated referral, they default and terminate you. either simply happen because of a long term lack of contact. they think it gives them the right to try and mug people.

 

there are a few claimform threads here where by they issued a backdoor CCJ/Claimform, people defended with like situations like yours and they go quiet and let the claim get stayed.

 

i'd use and wack off a copy of the old SLC deferment forum in this forum to them, for this year, they can't refuse it, even though they'll write and say already terminated or wrong form excuses, 

 

see what they do but do not ignore a letter of claim, comeback here if you get one.

try and stay away from places like CAB/Stepchange/Payplan as 8/10 their advice on any debt is totally useless and typically ends in you paying.

 

just remember the golden rules...

 

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... 

 

 

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. It’s just confusing trying to work out exactly how to respond and how they may progress. Presumably there’s no chance of them ever getting 6500 quid of me and they know that 

 

On 11/02/2021 at 15:57, dx100uk said:

i'd use and wack off a copy of the old SLC deferment forum in this forum to them, for this year, they can't refuse it, even though they'll write and say already terminated or wrong form excuses, 

Original SLC Forms for Deferment here.. - Student loans/SLC - Consumer Action Group

Thank you.

I don’t know if I’m being muddy headed.

I have had no other debt to speak of so not even overly familiar with terms.

But I’m finding it hard to get a handle on whether they are legally entitled to claim this money and whether this all drawing it out since eventually a court judgement would find me owing, and whether by that time total will have increased 

And won’t they just refuse old deferment form saying too late account closed your right to deferment finished?

What is point in sending? 

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as i said ....there have been numerous court cases by erudio here whereby the 'debtor' had not earned over the threshold and have sent a 'late' deferment form in and erudio refused saying your loan has matured, terminated, etc etc , they have gone nowhere... now stayed sitting dormant without judgement.

 

don't ever think on any debt whereby a powerless DCA issues a speculative court claim, that they have any special powers whatsoever, the only powers they have are exactly the same as you and me if we think someone owes us money, issue a court claim.

 

although you say you've read up , i suggest you spend a day or two on here only use our search top right for Erudio, that will get you upto speed upon why/what i've suggested might be the best idea.

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 for all your advice 

Sorry, a question because I can’t see readily anywhere else and I may not quite understand the technicalities,

 would you assume that I am not statute barred if I’ve been deferring, albeit online rather than in writing, every year?

That constitutes accepting the debt?

Last time I physically deferred on paper may have been 2014

. Before I write or send a paper backdated signed SLC form 

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Correct

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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if you had not missed a deferment when would your normal deferment now be due?

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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so october 2019, that ran till oct 2020 ...feb 2021 some 5mts late with this current deferment...

 

15 hours ago, ThommyB said:

(although I now realise that apparently they don’t do the 25 year wipe with outstanding arrears anyway)

 

you only supposedly have arrears now because you failed to defer since oct 2019?

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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Yes, well about four months late I think (in a lockdown, in a pandemic, not that that should bother them) 

but no, arrears now are since beginning of October ‘20 I think - about £500 

Questions:

are they within their rights to terminate? Guess it looks like they are but... 

what are rules and protocols surrounding this and have they been followed? 

Can they refuse an attempt to backdate deferral? 

Can they produce evidence of my original signed agreements? 

will they ever attempt to put through a CCJ for this?

They know apart from anything that I am on universal credit so even after this would only I assume get a pretty measly monthly payment off me) 

Sorry I realise you say you think it unlikely to go anywhere in court 

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They are the creditor so yes they can terminate etc etc but when fronted they can just as easily remove it.

Its pretty much immaterial anyway.

 

Stop fretting on court if if if it goes that far its a walk in the park to sort it.

Go get reading up..all these questions you will answer for yourself.

 

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.

I think I’ll write telling them I don’t accept or acknowledge, ask for my original signed agreements and put in a backdated SLC deferment. And see what happens.

Will carry on reading and ask questions if necessary if that’s ok x

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2nd bit only.

dont invite pointless letter tennis with pointless posturing

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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  • 1 month later...

Just for the record:

no acknowledgement by Erudio of deferment on SLC form sent and received by them recorded delivery six weeks ago.

Now three separate statements of arrears arrived by post today for each of my three loans.

Amounts as was when informed they’d terminated my account in January.

Guess I’ll just ignore

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  • 6 months later...

yep

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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Hi there, 

just wanted to update this thread.

Eight months since initially told account has terminated and no contact except for three automated statements.

No threats or demands, so that’s good. 

I’m at the point in the year when I would’ve ordinarily deferred.

I expect you’ll say it would be a daft idea, since it would set back any potential future SB status, but just checking you don’t think there’s any merit in sending another old SLC form, or doing anything else at this stage besides what I’ve been doing which is to sit quietly. 
 

I must say I expected them to start hassling me.

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