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    • 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.  
    • 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.
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Old Blemain Loan Now Together finance- they are killing my chance of a REmortgage


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We unfortunately took out a secured loan in 2006, the loan ends this month.

 

To my surprise when i spoke with the a few months ago they told me i had a off schedule balance. This being when i looked further into was charges added to the account for letters, phone calls etc.  I am very sure you have all heard the same story now multiple times in here.

 

Things id like to point out, my initial contract has no payment date. They knew i was paid at the last day of every month yet set my payment date as the 22nd. When we started to receive letters telling us they had not received the payment on the 22nd we contacted them to let them know that the direct debit was set for the last day of the month. We were told each time it was OK and ignore the letter, they even went as far as setting the direct debit for the end of the month.

 

The payments on the contract were also broken up between the initial loan and an additional payment for payment protection.  We successfully got our money back for the payment protection ins however the payments still stayed the same. How can this be possible if the insurance had been closed.

 

I am at the point now that i need to consult a solicitor to get my head around it all because i am not going to pay back charges which equal more than the original loan.

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Hello and welcome to CAG. People who know about Blemain should be along over the course of the day to advise you but you could have a read around our Blemain forum for cases similar to yours in the meantime.

 

I've popped a few paragraphs into your post to make it easier to read for the advisers. :)

 

HB

Illegitimi non carborundum

 

 

 

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if you have all the statements ...

knock up a spreadsheet as most of the blemain threads here already and put in a reclaim against them all.

 

 

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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Has anyone had any luck in reducing the charges?

I’d be interested if anyone knows what is classed as a fair charge and what can be seen as an unfair charge.

 

My greatest bulk is the interest against these charges.

I had contents insurance but not buildings, because I didn’t read the contract correctly I didn’t know I needed it.

They contacted me about 4 years into the loan to say they would provide it.

This cost £800, the interest mounts to over £4000

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no fixed sum penalty charge is lawful, so thus the interest charged on these fees is also unlawful and reclaimable.

 

as for insurances, the only thing that must be inplace is building insurance.

sadly if you didn't have that they are entitled to charge it.

 

 

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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the agreement says nothing of the sort, that's the T&C's you are reading

and if everything in a T&C were correct they'd have been no PPI reclaiming nor historic bank charges reclaiming which is what created CAG 10+yrs ago.

 

i suggest you get upto speed by reading as many other blenmain threads as you can in the forum your thread is in.

 

get upto speed...

 

https://www.consumeractiongroup.co.uk/forum/290-blemain-finance/

 

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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I have been reading through quite a few of the threads and to be honest i thought it was me only who had this problem.

 

It seems they have a history of making peoples lives miserable, as if the additional money they gain from the initial loan is not enough that they have to exploit people more. 

 

A few things i noticed going through my paperwork,

 

1:- the inital loan was for 180 months at £200 + £29 for the insurance. I would have thought that once we claimed the ppi back from this they would not charge me anymore yet i have still been paying this amount for the remainder of the loan.

 

2:- I claimed to earn £900 a month salary, however the wage slips i sent back clearly show i earned far less (£200-300)

 

3:- There is nothing in the contract stipulating a payment received by date so as soon as they arranged a direct debit with me should that not be officially the payment by date

 

I am consulting a solicitor now i have my SAR and hopefully they can help me get them off my back.

 

Initial Loan £15k, £3k of which went to the bank for being behind on my mortgage so actually received £12k. Paid back thus far £41k and they still want £14k more

 

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Few solicitors are conversant with reclaiming.

Be careful you dont throw good money up a wall.

 

Everything you need is already here .

 

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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  • 4 weeks later...

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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I have just sent them this letter and canceled my direct debit to them now that my loan payments have finished and the only thing they want now is the charges to be paid off. I am not expecting them to go quietly so will post their intimidating response.

 

Dear Sir/ Madam

 

ACCOUNT NUMBER: xxxxxx

 

I am writing to ask you to refund the charges which you charged to my account in respect of late payment fees to the sum of £ 14,670.75. I now understand that such fees are unlawful at Common Law, Statute and recent consumer Regulations.

 

In addition your charges appear to represent an unfair term of contract which is contrary to the Unfair Terms in Consumer Contracts Regulations 1999 (SI. 1999/2083). My account falls within the ambit of Regulation 5 of the Unfair Terms in Consumer Contracts Regulations 1999 as I am a consumer. Your charges constitute an unfair penalty under Schedule 2 of the said Regulations, which provide an indicative and non-exhaustive list of terms which may be regarded as unfair. Under paragraph 1(e) of schedule 2 this specifically includes terms which have the object of requiring any consumer who fails his obligation to pay a disproportionately high sum in compensation. I would vigorously contend that this is the position regarding the fees which you deemed fit to apply to my account.

 

I would like to bring your attention to the following statement by The Office of Fair Trading:

 

"A term in a mortgage agreement which requires the borrower to pay more for breaching the contract terms than actual costs and losses caused to the lender by the breach (or a genuine pre-estimate of that) is likely to be regarded as an unfair penalty and to be unenforceable both at common law and (in a consumer mortgage) under the Unfair Terms in Consumer Contracts Regulations.

 

I believe that the charges you have levied of £14,670.75 far exceed any true cost to yourself as a result of our breaches and any genuine pre-estimate you could conceivably reach. If you disagree, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put to as a result of our breaches, in order to reassure us that your charges really do reflect your costs.

 

Thus I am asking that you refund the charges and other fees which have been levied on my account. If you do not respond, or you do not respond positively, within the time limits set out in your official complaints procedure I will enter a formal complaint to the Financial Ombudsman Service. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

I would also like to bring to your attention that you have been overcharging me on my payments. My initial loan repayments were made up of £200 for the loan and £29 in PPI. Since I claimed the PPI you had charged me in my complaint 2012 these payments should have stopped, however you still have been charging me the insurance. To date I believe the sum to be over £2700 not including any interest. However, I am prepared to relinquish my claim for this in in exchange for the buildings insurance I was charged for.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

Yours faithfully,

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did you inc your spreadsheet?

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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so how have you come up with the figures you quoted?

 

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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I got the start date from when we received our cheque from them for the PPI to the last day of our payments which was August, worked out how many months and times it by the amount we had been paying for insurance.

 

the figure is not 100% accurate as it will be more,

i just gave the basic lowest it could be without any interest added.

 

As i went through my contract there was a few more things i found,

the loan was minus what we already owed to the bank for missed mortgage payments and the wage i said i received was far more than the amount shown on my wage slips.

 

Would this go to a view of irresponsible lending if i already could not pay my mortgage and my wage was at least 1/3 less than i stated.

 

The PPI thing i also found out by looking through the contract where it stated how the figure is made up, £200 for the loan and £29 for the insurance. This never changed from August 2011 when we received the cheque up to the last payment in 2020.

 

A lot of the letters received were also for the payment date, they said it was contracted yet it does not state anywhere the date at which the payment should be received. They even arranged the direct debit with us for the end of the month and whenever we questioned them regarding the letters they told us dont not worry.

 

However what they were doing is charging us for the letter on the 22nd and then interest between then and the last working day of the month when payment was sent.

 

 I have since spoken to them and they told me that i still owed the amount of money and that interest was still being added daily which would go down as i make payments. So will take us now at the payments we were making previously another 7 years to pay the balance off with the interest being added.

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why are you talking to these fleecers on the phone?

 

if the balance is solely unlawful penalty fees+the int those created, then you don't owe anything.

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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They rang me in reaction to me cancelling my direct debit, i told her what i had done and stated i would be in touch via recorded letter.

 

She then reminded me i had a balance outstanding to which i inquired would this be gaining interest as well to which she told me yes £176 every month, however assured me that it goes down after each payment so lucky me!

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ruddy fleecers.

next time they ring

put the phone down stating writing only.

 

don't waste money on recorded post..as they don't have to sign for it now in covid restrictions anyway

just use 1st class and get free Proof of posting from the PO counter.

 

as the AC is still 'active'

i would use the FOSCISHEET

 

part their int rate in cell D15

enter EVERY fixed sum penalty fee in the sheet  on the date it was charged.

that will give you an accurate running figure that increases everyday until/id they are stupid enough to take you to court.

 

is this debt mention by a security entry on your deeds?

 

 

  • Like 1

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

DCA's view debtors as suckers, marks and mugs

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

and they

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

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

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  • 1 month later...

Well i received a reply from them, they told me that all the charges were within a satisfactory value and that my ppi i received back was for the entire amount i would have paid in the 15 years.

 

I am now going to raise the issue with the ombudsman and let them deal with it.

 

Any advice i can use for the ombudsman?

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Fos wont side with you on unlawful charges i doubt but let it run

 

can i just check this is or is not now secured on your property??

 

 

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

DCA's view debtors as suckers, marks and mugs

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

and they

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

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

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you say this is a secured LOAN, NOT a mortgage?

what are they doing charging you building insurance in conjunction with a secured loan?

 

please type out (minus anything that can ID you)

all the entries on your deeds that state blemain in 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... 

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