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    • 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).
    • 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. 
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alanfromderby GE Money - DSAR (Failed to comply)


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Off we go then! Currently paying an old Debenhams chargecard debt via Aktiv Kapital. The original account was closed around 1999, and has obviously been sold on.

 

Sending the DPA request to GE Money (was GE Capital Bank) tomorrow for info on the Debenhams card, also for info on a Burtons and Evans card as well - although the latter two have been paid now. Have also sent a letter to Aktiv Kapital (below), to request the info they hold under the CCA 1974, and informing them that the debt is now "in dispute".

 

This should be an interesting journey as it pushes the statute barring question. I am very interested in establishing that a debt cannot be statute barred for one party - yet still active for the other.

 

This is the AK letter:

 

 

Dear Sirs,

Account Number: xxxx xxxx xxxx xxxx

Aktiv Kapital Ref: xxxx.xxxxxx

Please be aware that I no longer acknowledge this debt to your company, and therefore require you to supply the following documentation before I will correspond further.

 

Firstly, you must supply me with a true copy of the agreement you refer to in this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974 - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee.

 

I also require that you supply a signed true copy of the deed of assignment of the above referenced agreement.

 

You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. I am now initiating investigations with GE Capital Bank into the validity of the original amount that was claimed to be owed, and will be in contact with you again in due course. In the meantime please be aware that I consider this matter to be “in dispute”.

Yours faithfully

 

 

 

 

 

 

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Good on you Alan - can't wait for your update - will be following this closely!! :)

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

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Alan, if you haven't yet, look at my Debenhams thread, and keep an eye on what they do with your £10.00.... It would seem they used mine to re-open my account and give me £2300 to spend... The opposite of banks who close you down, it would seem :p .

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Alan, if you haven't yet, look at my Debenhams thread, and keep an eye on what they do with your £10.00.... It would seem they used mine to re-open my account and give me £2300 to spend... The opposite of banks who close you down, it would seem :p .

 

 

I only ever go in there to do Christmas shopping - if they do re-open the account, at least I could get Christmas bottomed early this year. LOL

 

 

 

 

 

 

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I'll be very interested to see how this goes. The only blip on my credit info is a default notice from Aktiv Capital for an account in disupte. Three years ago Aktiv Capital were asked to investigate because I made regular monthly payments which were not allocated to the account. We have heard nothing from them other than a couple of "we'll get back to you soon" responses.

 

The original debt was something like £400, which has since been increased to over £600, although they have made no attempt to contact us in that time. I have no idea how much of the original debt was down to charges.

 

 

Hope it goes well Alan

... a little

Mahala is a powerful thing ...

 

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All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

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  • 2 weeks later...

Rec'd letter from Aktiv Kapital this morning with the original credit agreement. All seems to be in order at their end - just a case of waiting to see what comes through from GE.

 

 

 

 

 

 

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  • 3 weeks later...

Decided it is time to turn the heat up on this one. The balance owing through Aktic Kapital is just under £600 for the Debenhams Card, but I am certain that over the three GE card accounts (Debenhams, Burtons, Evans), that the charges will have come at least to that amount.

 

The following letter is therefore going off to Aktiv later this afternoon:

 

 

Further to your letter of 5th May 2006, and the enclosed documents which were requested under the Consumer Credit Act 1974.

 

Please take this as formal notification that this debt is now the subject of legal action with GE Capital Bank Ltd, and therefore cannot be enforced by you, or any other Debt Collection Agency.

 

I would therefore suggest that any further correspondence be directed to GE Capital Bank.

 

Should you attempt any enforcement action the matter will be reported to Trading Standards, and any legal action will be vigorously defended.

 

 

With a bit of luck that will galvenise them into starting a foolish claim against me - or, if they have got any sense, they will realise that the game is up. :)

 

 

 

 

 

 

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Aktiv Kapital are not very happy bunnies!

 

Had a great letter from them this morning saying that they want full details of the dispute I have over the amount owing. This was in response to the letter above.

 

Very interestingly the state that they are "unable to forward any correspondence to....GE Capital Bank Ltd". They seem to have misunderstood what I said, but if they are saying that they have no dialogue with GE over this debt, then that makes thing very interesting.

 

Now, I do have one question which I would be interested in having some feedback on.

 

In September 2001, the debt was sold to Aktive Kapital. A year prior to that, GE obtained a CCJ.

 

Is it legally possible for a DCA to enforce a CCJ obtained by the original creditor, or am I correct in thinking that the company who originally obtained the CCJ would have to action any further enforcement?

 

If I am correct in that thought, and Aktiv do not have any channels of communication with GE, that would be game over!

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Alan, you have probably read Mahala v Activ Kapital and Seminole's cautionary post.

 

I will be following your thread closely as I too suspect Activ of hanky-panky.

 

When I received my credit reports from Experian/Equifax I discovered that I appear to have been defaulted TWICE for the same debt!! LTSB and Aktiv registered a default on the same day, but Aktiv's amount was nearly double that of LTSB!!

 

Needless to say Aktiv will shortly be receiving the appropriate letter and I will start my own thread.

 

Onwards and upwards

 

Elsinore

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Is it legally possible for a DCA to enforce a CCJ obtained by the original creditor, or am I correct in thinking that the company who originally obtained the CCJ would have to action any further enforcement?

 

If I am correct in that thought, and Aktiv do not have any channels of communication with GE, that would be game over!

 

The logic is that only the original claimant can enforce judgement. I can't see that it is possible to 'assign' a CCJ, but someone will tell us if we're wrong.

 

As to channels of communiction, I'll let you know!!

 

Elsinore

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Thanks for the information, and best of luck with your claim.

 

In many respects, I would welcome an attempt by AK to try and enforce this debt. I very much doubt that GE are going to come up with the goods, and legal action by AK may just allow me to unlock that evidence.

 

I really would prefer not to take action myself, as I cannot see that I will get anything out of it...apart from a major reduction in the debt. For the moment I am quite happy to allow a stalemate to develop.

 

 

 

 

 

 

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Alan, I've just caught up with your thread, sorry. According to GE replies to SARs, they only hold info for the last 5 years. If I follow your previous post rightly, this could pose a serious problem to AK, as they will not be able to document anything if they don't already have the info.

 

(And if they do get the info, all the other GE posters who have been fobbed off with the 5 yrs excuse are going to have a BALL!!! Now that's what I call a win/win situation!!!)

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No response from GE this morning, so they have now defaulted on my DSAR. This case is slightly more complex than my HFC cases, as the Debt Collection Agency was able to provide the requested CCA information - including the signed agreement.

 

However, I wish to challenge the legality of the original debt - and without the information from GE, I am unable to do so.

 

GE did obtain a CCJ for this debt - but then sold the debt on the Aktiv Kapital about a year later.

 

I am not 100% sure of the situation with the CCJ, as to whether a Debt Collection Agency are able to seek enforcement of a CCJ that was obtained by the original creditor.

 

However, if they decide to try, then I will seek a set-aside on the basis that I wish to challenge the original debt due to new information about the legality of charges applied to the account - and the failure of HFC to respond to my DSAR.

 

For £589.11, my guess is that they can do without the hassle - and legal costs. So, I think this one can be ticked off as well.

 

 

 

 

 

 

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  • 1 year later...

GE never provided the requested information, and had they tried to force the issue I would have had a valid claim against them for unlawful charges which would have more than wiped out the amount "owed". After an exchange of letters last year where I made my position very clear the matter seems to now be closed.

 

 

 

 

 

 

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  • 10 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

 

 

 

 

 

 

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