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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.

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Big Motoring World/BMW PCP Finance/Warranties 2000 - Range rover Evoque timing chain fail at 76k


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that look so much like a PCP 

No front page to check their figures 

and some dodgy clauses in the t and c’s eg charging to collect car if VT

and numerous unfair unenforceable 

wear and tear clauses

The wording in the t and c’s is like its been compiled by the office junior 

 

PLease scan up the front pages with all the figures and anything else you've missed of

 

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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Hiya

I have a copy of the front page  will send it o er. Tbh this contract was sent to me towards the end of last year when I was querying ending the agreement. So had not seen it before as I signed a different contract with big motoring world...I also have a copy of the contract to send too. Bear with me 

 

Yes its pcp 

 

Thanks 

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We need the agreement you sign and everything sent with it 

 

Anything else sent later is not applicable nor enforceable on you 

 

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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Hi There,

 

Apologies for taking so long to come back.

 

I have attached 1st page of the HP contract along with the initial contract I signed at Big MW.

page hp agreement.pdf BMW pcp (3).pdf

 

Morning,

 

I've received an email this morning from Big Motoring world, apparently they are waiting for further information from me. However the last email I received from this person, stated that there was nothing they can do for me.  Strange.  

 

 

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why have you labelled the 2nd file PCP? 

there is NO PCP involved here at all.

 

£2100 pers loan too for a £1700 useless warranty...:frusty: 

 

 

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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Hiya,

 

What do you mean no pcp? I believed I agreed a pcp.

 

Also as you are an expert, I appreciate you questioning my decisions, however I am in the situation now and already feel chyte about it. Telling me off for taking a loan for the warranty was something I did at the time with  no thought and I am where I am with it.

 

I can't even express to you how much anxiety this situation is giving me.

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PCP (Pre Credit Contract Credit Information) ....but its still a HP agreement

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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headbang was to highlight Just how bad some dealership s are and shows how creation haven't changed their spots, they are very very well known here with a long history of ripping people off. 

 

Can I confirm your 2 uploads are the actual ones you signed and you've hidden your Sig (obviously).

 

 

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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Hiya

OK noted pre contract but still HP agreement.

 

Sorry I'm on half term this week so I have time to deal with this, time also gives me heightened anxiety.

 

From what I remember I did sign a digital contract, I don't believe I have this available, for sure I'll search through my files to see what I have .

 

Pre contract may have been the one I signed online, however the hard copy isn't signed.

 

The actual HP contract was sent through the post last year, after I made an enquiry to creations.

 

What are my options?  Dodgy contract, failed timing chain? Vt

 

 

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To VT total required 11848

By my quick calc you have paid 

 

30 months at 340 (10200 )plus your deposit 500 (10700) the loan payments don’t count so still around 1150 short which you would have to make up

The agreements as posted still seem to be incomplete 

Your battle at the moment is to get the finance co to honor the useless warranty 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks for this.  Yes I was under the impression that id have to make up the balance somewhere

 

I managed to log into the digital file. I've uploaded below, however please excuse the quality as, as its digital, the only way i could save a copy was to screenshot then paste onto ppt.

 

 

Obviously things have changed from last week, where I was going to VT.  And so the battle I have is for the finance company to honor and fix the fault....back to square one.  At present the last communication was an email to say they'd see what they can do. I haven't gone back to them.

 

Any suggestions?

 

Should I follow suit and carry on with the VT? or give finance company the option to accept and fix the fault or accept my vt claim?

 

Digital signature.pdf

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That’s just the loan agreement 

What is needed is the original 

finance agreement that you signed for the car finance not a later one that was sent 

Given the t and c’s I can foresee a real battle ahead with VT

At this stage I would be insisting that the useless warranty was honored pronto 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hiya 

 

All the copies that I signed/received from bigmotoringworld have all been attached.  

 

Do I need to send a sar request then?

 

Noted regarding vt, what would be the major issue here?

 

I didn't hear anything from my last post so went along with  Formal letter of complaint demanding the vehicle be fixed...I took some parts from dx earlier post. 

 

Its dragging somewhat, I just want the car fixed right now and can deal with the vt at a later stage.

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SAR to the dealer and Creation

Gather as much info as possible 

You believed you were signing a PCP but apparently ended up with HP with balloon which is quite common ,but mileage clause rare as hens teeth ,not to mention the myriad of goods return clauses all common to PCP

Formal complaint the right way to go demanding car be fixed as you have done 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Which the SAR to dealer and finance, should I expect to pay or offer to pay the £10 charge?

 

I gave Creation 14 days to comply or I'll take further action....FOS/legal action. Although they initially said it will take 8 weeks to investigate.  Not sure what they would investigate. But ok I'm happy to send SAR next week.

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SAR is free.

 

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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No just all data.

 

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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  • dx100uk changed the title to Big Motoring World/BMW HP Finance/Warranties 2000 - Range rover Evoque timing chain fail at 76k

Rarely do we see successful email SAR.

 

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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Share on other sites

  • 2 weeks later...

Morning, 

 

Just wanted to update.

 

Had a letter back yesterday from the finance company, simply saying that based on the information I gave them....which was my full name address and telephone number   they have no idea who I am.  Furthermore I'd have to send a separate request to Creation financial services Ltd.

 

Whether Creation consumer finance limited or creation financial services Ltd,  they are one of the same people. Registered at the same address and also residing at the same postal address.

 

My letter did state that " if you do not normally deal with these requests,   please pass the letter to your data protection officer or relevant staff member. 

 

Are they being silly with me or is this normal. 

 

I also noticed that on their reply, they spelt part of my surname incorrectly.

Furthermore I've never had an account number, just a customer reference number which begins with "3".

 

 

letter received 19_4_22 Creation SAR response.pdf

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Morning

 

I would love some feed back on the above. Furthermore, although I was annoyed with creations, simply saying that they have no idea who I am. I resend the SAR request to CREATION CONSUMER FINANCE LTD. 

 

I had a call from my mechanic this this. He now wants the courtesy car back that he borrowed me. He is happy to wait for Creation to finalise my complaint,  which will be in 2 weeks time, however this predicament could go on for ages.....its an unusual situation for me so I have no idea.

 

Anyway, when that time comes and creations are not willing to fix the car, it then leaves me in a dire situation. I'm a trainee teacher and a single parent to 3 children. My daughter has breakfast and after school club, due to the time I have to start work.  My work place is also in an area that's extremely difficult to get to from my house.

 

I'm stuck, at my wits end with stress and not sure what back up plan I could put in place here.

 

Help 

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Creation reply seems to be addressed to someone acting on your behalf? “Your client?”

Anyway if they refuse to help

you are going to need an Independent Engineers Report 

then off to the FOS

All this of course will take time 

so you may well have to hire a vehicle if you need a car sadly you need to be prepared to lay out money whilst awaiting any FOS decisions 

Due to the car being a non runner 

and given their t and c’s I can foresee a VT being a huge battle 

but if you cannot afford the hire etc and can’t wait on the FOS it maybe the only option 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Noted, regarding the independent inspection  that's always been at the back of my mind.

 

If I were to hire a car, could I claim the cost back? 

 

For the warranty,  I  still making those payments. Should I continue or stop?  I was worried that if I stopped, I may need to fall on it in some way....ie courtesy car? 

 

Should creations refuse to fix the vehicle,  could I propose they pay a percentage and I cover the balance?

 

 

In regards to vt, which part would be the trickiest/costly for me. 

 

Should I be ready to hash this out in court?

 

Sorry so many questions, it's giving me major anxiety. 

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