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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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mortgage redemption penalties


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:mad: Has anyone else come across this daylight robbery, I took out a very small mortgage with the lancashire mortgage co in 01. The loan was for £7500 over 180 months at £122.29 per month, the APR 24.62%. I paid 32 payments of £122.29 on time, without any penalties. I remortgaged to a much better rate in sept 03 with the Abbey and asked for a redemption figure around march 03, cant remember the exact figure, however 6-7 months payments later when the time came to redeem the figure was something like £350 more than the previous figure quoted £9,650.30, so my £7500 loan cost me £13,565,30 over 32 months.

I wrote to the Lancashire mortgage co to question these figures and this is the reply.

Your loan was for £7500 taken over a 15 year term. This loan being under £25.000-00, is regulated by the consumer credit act. This act provides us with the calculations which we must use when compiling a settlement figure.

In essence, on a 15 year loan assuming all payments made on time, a settlement figure will rise in the early part of the loan. At the time the loan was redeemed you were only 2.5 years into a 15 year loan. Hense the settlement figure was slightly higher than the figure quoted to you 6-7 months previously. I hope this answeres your query.

Can any one tell me if this is legal or have I been ripped off big time.

Any feedback would be most appreciated:?

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Sounds to me like they have thrown in some hidden settlement charges in addition to the redemption penalty. Have you checked your t's and c's to see what the clauses are for terminating the loan before term?

 

I would go back to them and ask them to explain properly the exact breakdown and a proper laymen explanation as to why, when you have paid more towards the loan, the settlement had increased? Seems completely illogical to me!

Lived through bankruptcy to tell the tale! Worked in various industries and studied law at university. All advice is given in good faith only :)

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Just read through my t's and c's and the only terms which relate to the discharge of the loan is

The borrower may discharge the indebtness at any time by paying the balance of the total loan and intrest outstanding at the date of payment together with a further sum equal to the amount of intrest which would have been charged after the date of payment if this agreement had continued without variation and if all repayments due after the date of payment had been made on the due dates after deducting a rebate to the borrower calculated under the Consumer Credit [Rebate on early settlement] regulations 1983. The term previous to this states, Payments made by the borrower may be credited first to capital or interest outstanding under this agreement at the discretion of the lender, so really as they never sent me a yearly statement I dont know how they reached the settlement figure. I will take your advise and write to them for a breakdown of their charges. Thanks for that

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  • 2 years later...
:mad: Has anyone else come across this daylight robbery, I took out a very small mortgage with the lancashire mortgage co in 01. The loan was for £7500 over 180 months at £122.29 per month, the APR 24.62%. I paid 32 payments of £122.29 on time, without any penalties. I remortgaged to a much better rate in sept 03 with the Abbey and asked for a redemption figure around march 03, cant remember the exact figure, however 6-7 months payments later when the time came to redeem the figure was something like £350 more than the previous figure quoted £9,650.30, so my £7500 loan cost me £13,565,30 over 32 months.

I wrote to the Lancashire mortgage co to question these figures and this is the reply.

Your loan was for £7500 taken over a 15 year term. This loan being under £25.000-00, is regulated by the consumer credit act. This act provides us with the calculations which we must use when compiling a settlement figure.

In essence, on a 15 year loan assuming all payments made on time, a settlement figure will rise in the early part of the loan. At the time the loan was redeemed you were only 2.5 years into a 15 year loan. Hense the settlement figure was slightly higher than the figure quoted to you 6-7 months previously. I hope this answeres your query.

Can any one tell me if this is legal or have I been ripped off big time.

Any feedback would be most appreciated:?

 

Hi GC

 

I know you haven't updated this thread for a while but you did post something on my Future Mortgages thread so thought I would pop in and assist if needed!

 

The £9,650 quoted above would be the Rebate on the interest you are entitled to.

 

Total loan would be (180 * 122.29 = £22,012.20), less rebate using R78 of £9,690 less payments already made (32 * 122.29 = £3,913) leaves a settlement figure of £8,408!

 

Based on the information you have provided they have overcharged you about £1,300.

 

As the loan is regulated by the CCA the Consumer Credit [Rebate on early settlement] regulations 1983 were applicable this would use the Rule of 78 calculation which is what it looks like they have attempted to do but got it horribly wrong!

 

I would be inclined to get this money back asap.

If you need any help, let me know.

 

BobbyH

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Thanks for the offer BobbyH

 

I think its about time I SAR'd them, what with your success and everything,

lucky for me, i've still got all paperwork relating to the loan so will be picking your brains over the next couple of weeks if thats ok

 

thanks again and very well done...Gc

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  • 1 month later...

SAR gone out to Lancashire Mortgage Corp will update when i receive a reply..but as they are part of Blemain i wont hold my breath...and my settlement had to be paid to another company called Prime Business Loans or they would not release the deeds for my remortgage....pleased i've started the ball rolling on this one again...thanks Bobby

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  • 3 weeks later...

Decided to write to Mr Howard laddin, this is the guy who replied to my original complaint last year with clap trap answer's...I've demanded a refund within 14 days or concrete proof that the settlement figure I had to pay to release my deeds was correct or I'm complaining to the relevant governing body and commencing court action....the only trouble with this lot is that they did'nt come under the remit of the FOS when I took out my "mortgage" as I've allready tried to complain to them, I believe its the leasing and finance who would handle my complaint....I need to be quick on this one as 6 years is up in sept....my letter went recorded delivery last week and up to now no reply which is no supprise...Gc

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And my solicitor was instructed to pay the balance to a company called prime business loans, who i have had no dealings with and they did not reply when questioned who this company are and why i had to pay them money...Gc

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This is the CCA and other info

 

http://i192.photobucket.com/albums/z274/joshsam03/DSCF0344-1.jpg

 

http://i192.photobucket.com/albums/z274/joshsam03/DSCF0346.jpg

 

http://i192.photobucket.com/albums/z274/joshsam03/DSCF0342-1.jpg

 

http://i192.photobucket.com/albums/z274/joshsam03/DSCF0347-1.jpg

 

http://i192.photobucket.com/albums/z274/joshsam03/DSCF0345-1.jpg

 

can anyone please advise me whether their calculations are correct, they are directing me towards their acting solicitors as regards to costs yet I borrowed £7500 but only received £6500 as the other £1000 was for their costs, I still have all my bank statements showing payments and amount they deposited into my account...many thanks Gc

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Bumping

 

can anyone advise please..I know the figures are wrong.

 

they are directing me to their acting Sols but the CCA i signed was with them and i only have until the 8th sept then the 6 year limitation's up

 

many thanks Gc

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http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/52933-mortgage-redemption-penalties.html

 

Hi all, sorry i started my thread in the "General Consumer Issues" instead of Mortgage an Secured loans, time is running out for me to try and get this sorted out as 6 years is up next month. I've requested a mod move my thread over, however in the meantime if anyone could take their time and have a quick look (link above) any advise would be very appreciated...Gc

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Hi - looking at the screen print it seems they weren't backward at charging for settlement. I can't get over them charging:

 

1 Discharge fee £58.75

2 Deeds release fee £117.50 (isn't this what the discharge fees is for?)

3 Collection charge £176.25

4 Legal & Doc fee £450 (isn't this a deeds release, sorry discharge fee?)

 

Curiously the Legal and Doc fee is less than you agreed to in the Disbursement Authority signed on 22nd August. I guess we should be grateful for that (sic).

 

The FSA has decreed that the actual costs involved in discharging security and releasing deeds is approximately £50 so I'd say you've been royally shafted here. Adding insult to injury the APR is scandalous and variable to boot.

 

Looking at your figures the loan cost you £6054 over and above the £7500 they loaned to you. This equates to £189 per month or 30% of the loan per annum, which is way more than a credit card would have cost - scandalous!

 

I think you'd need to know exactly what each of their extra charges was for. Under the current MCOB regulations you need to be advised of all related fees before you sign any mortgage agreements but I'm not sure this was a requirement back in 2000, but it certainly should have been.

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