Jump to content


  • Tweets

  • Posts

    • A full-scale strike at the firm could have an impact on the global supply chains of electronics.View the full article
    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Perch/TM Claimform - old MyJar PDL Debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 303 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there, sorry to jump on but this morning I have received exactly the same Claim Form dated 11 July.  For a My Jar account - amount lent was £450 on 21/8/17, amount paid back was £418.56 with last payment 28/11/17.

I stupidly did email MyJar in Jan 2020 offering F&F but they refused.

Credit Report is now clear of defaults and CCJ's so don't want them to ruin it. They are claiming total of £536.31

Seeing as I acknowledged in Jan 2020 to My Jar (not TM) do I offer to pay the difference between the £418 and £450 just to get it cleared?

FYI: They communicate by email. I did request a copy of the CCA on 6 April 2023, their response on 24 April was asking for me to call to go through security questions or email a copy of signed ID ie passport. I replied that I wasn't comfortable providing this and if they can't prove my ID how can they know they are threatening the right person with court. No reply

Requested CCA again on 13 July after an email saying they had issued court claim.

What's the best action to take now? Thanks for the help

 

Sorry, if I need to create a new thread just let me know

Link to post
Share on other sites

Today 14 July - I have received a Claim Form dated 11 July.  For a My Jar account - original amount was £450 on 21/8/17, amount I paid back over 3 payments was £418.56 with last payment 28/11/17.  Missed the last 3 payments.

I stupidly did email MyJar in Jan 2020 offering F&F but they refused.

Credit Report is now clear of defaults and CCJ's so don't want them to ruin it. They are claiming total of £536.31

Seeing as I acknowledged in Jan 2020 to My Jar (not TM) can I offer to pay the difference between the £418 and £450 just to get it cleared?  Would the court go for this if I cited unafordable lending due to poor credit file etc?

FYI: TM communicate by email. I did request a copy of the CCA from TM on 6 April 2023, their response on 24 April was asking for me to call to go through security questions or email a copy of signed ID ie passport. I replied that I wasn't comfortable providing this signed ID and if they can't prove my ID how can they know they are threatening the right person with court. No reply.  

Also requested copy of CCA from ACI in 2022 when they were chasing but no response or CCA.

Requested CCA again from TM on 13 July after an email saying they had issued court claim.

What's the best action to take now? Thanks for the help

Link to post
Share on other sites

you did not thus ack the debt

when was your last use/payment

what is the defeaulted date

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... 

Link to post
Share on other sites

Please read the following link carefully then copy and paste the questionnaire with your responses back here for further advice.

 

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

Link to post
Share on other sites

Last payment was 28/11/2017. Not used them since and they went into administration in 2020

Unsure of defaulted date - they don't show on credit report and I need to keep it this way :)

Edited by dx100uk
unnecessary previous post quote removed
Link to post
Share on other sites

Which Court have you received the claim from ?  MCOL Northampton NN1

Name of the Claimant ? Perch Capital Ltd

 How many defendant's  joint or self ? Self

 Date of issue – 11 July 2023

  What is the claim for –

1.The claimant claims payment of an overdue balance in the sum of £436.31 incurred by the Defendant under a MyJar Ltd, Running Credit, account number (8 digits).

2.The Defendant failed to maintain payments in line with the Agreement and the account has now matured.

3.The account was then subsequently assigned to the Claimant and the Defendant has been give notice of the accounts assigned

 What is the total value of the claim? £536.31 (inc £50 Court Fee and £50 legal rep fee)
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? 13 July – email saying Claim had been issued
 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No. No correspondence to address just email
 

Did you inform the claimant of your change of address? N/A

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL
 

When did you enter into the original agreement before or after April 2007 ? August 2017
 

Do you recall how you entered into the agreement...On line /In branch/By post ? Online company
 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No
 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Debt was with MyJar, now Perch Capital/TM Legal
 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Just checked emails, February 2022 NOA from MyJar to Perch
 

Did you receive a Default Notice from the original creditor? Just checked emails, Default notice by email April 2019 issued by MyJar
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I can see emails with this from 2019, 2020 and 2023 but nothing from 21/22
 

Why did you cease payments? Last payment 28/11/2017
 

What was the date of your last payment? 28/11/2017
 

Was there a dispute with the original creditor that remains unresolved? Apart from not receiving a CCA when requested twice
 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Jan 2020 – I was trying to clear all debts and made contact with MyJar to offer them the difference between the £450 borrowed and what I’d paid back – NO. Then offered a F&F settlement of £80, they refused and wanted the full amount outstanding. I did say we were in financial difficulty and they shouldn’t have even lent me the money based on credit report.
 

What you need to do now.

 Answer the questions above

 If you have not already done so – send a CCA request to the claimant for a copy of your agreement (If Applicable)

Requested this from TM Legal on 6 April. They replied 24 April saying if I wanted a copy I had  to call to go through security questions or email copies of signed ID Documents. I replied saying I wasn’t comfortable doing this and was entitled to a copy of my original CCA. I stated if they couldn’t provide it based on their emails chasing me for the debt how could they prove I was the original person anyway?

No response.

Requested CCA again on 13 July following their email informing me of a Court Claim.

 

Update just had this email in response to my CCA request yesterday:

We write further to your recent email and note your comments. On the 24th April 2023 we sent a communication regarding Right of Access under the General Data Protection Regulation 2018.

In order for us to process this request we required you to pass Data Protection checks. We received no response so therefore could not process your request. I did reply saying I wasn't calling or providing signed ID and just wanted a copy of CCA as I was entitled to this!

As we received no response a County Court Claim was issued against you on the 11th July 2023 and a Judgement is pending, you should have received a Response pack for you to complete which was sent to your postal address.

We have to advise that if you want to avoid the County Court Judgment being granted against you, lasting 6 years on your credit file, the balance must be paid in full within 1 month of the date the Judgment is granted.

Alternatively, we can offer you a Prevent Judgment Arrangement (PJA) to settle the account over a maximum of 4 payments. This would be £134.08 per month with the first payment due on the 21st July 2023.

If you wish to take advantage of this offer, please contact the office on 01253 531016 as a matter of urgency as if the Judgment is granted, we cannot honour the offer.

If the above is not affordable you can enter into a monthly repayment arrangement. Again, whilst we will accept this, we must inform you it will not prevent the Judgment being granted against you.

Please confirm your affordability by completing an income and expenditure at www.tm-legalservices.uk/login.where you can also set up a payment arrangement for a date preferable to yourself. Alternatively, you can contact the office on the number above and speak with one of our Case managers who will action your account accordingly. Please action this by the 21st July 2023 to prevent further communication from this office. 

Link to post
Share on other sites

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
Go to HMRC's login page.
Click the GREEN sign in button.
Click “Create sign in details”
Enter your email address where asked.
You will now be emailed a confirmation code. ...
You will now be issued with a User ID for your government gateway account.
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CCA Request running to the claimant
.
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
..
Leave the £1 PO unsigned and uncrossed
.
get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
...
https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

.
.use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt] 
https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

on BOTH type your name ONLY
Do Not sign anything
.do not ever use or give an email
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............


iy might also pay you to strat an irresponsible lending claim to perch.

we'vee seen these work to reduce the bal to no interest/charge with just the initial sum borrowed to pay of.

there are numerous perch/tm claimform threads here  get reading them.

get upto speed.

i would also be writing to them telling them to stop email use, you dont want them disclosing fake/doctored docs 1 min before a court deadline removing  your chance to rebut them.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • dx100uk changed the title to Perch/TM Claimform - old MyJar PDL Debt

yes means nothing.

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... 

Link to post
Share on other sites

ignore it happened for now, useful later

there is no requirement for ID with a CCa request...unless you've moved and not informed your debt owners.

immaterial now as they have issued a court claim to your current address?

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... 

Link to post
Share on other sites

:cheer2:

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... 

Link to post
Share on other sites

  • 3 weeks later...
On 14/07/2023 at 13:35, dx100uk said:

you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

already advised on this.

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...