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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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    • 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
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Mass complaint ;Add your name here if a dca has acted incorrectly with your account.


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I have been a victim of Capquest over many years.

 

They have abused my colleagues at work, left details for me to call back that could compromise my job,

perpetually barraged me with calls day and night and verbally abused me on the phone,

not to mention them actually having the nerve to ring up my next door neighbours asking if I still live here!

 

my neighbours are in their 80's and frail but after a 1471 call from their phone up popped the usuall call centre number for Capquest.

 

I have more paper work from them and their allleged solicitors, baillifs, door step callers than my recycle bin has room for!

 

As for the HL legal team, they actually ran out of the green ink headed logo once and just sent me a black and white photocopy....very legit and proffessional I must say.

 

Two years ago they sent me a letter saying they were going to file and serve me with papers for bankcruptcy within 28 days, it never happened

( as I suspected it wouldn't as I asked for a deed of assignment and that didn't happen either, appart from a photocopy of my original agreement for a paid up loan

... with Capquest scribbled on the bottom in a marker pen...surprise surprise....making me bankrupt would mean I paid them zilch anyway )

 

One year later...May 2010 I got a letter stating that they had evaluated my financial assets and knew the value of my house!

 

Well I am sure the Council would like to know what value they put on their property seeing as I have been a tenant for 5 years and 3 months ahem!

 

As a result of all this I dug a little deeper as a self detective. Hl Legal, Scott Call etc etc.....one of the same.....Crapquest company...as for the value of my property...

I discover that my family home that I sold in divorce proceedings for £124,000 back in 2004/05 was resold in 2007/08 for £154,000 ....

exactly the figure they quoted in the letter.

 

I decided then to find out how they knew that.

 

So I asked for my credit file and low and behold it showed my old family home on there as being resold for that amount.

 

My mind then began to get alarm bells ringing!

 

Strange thing also is that Capquest didn't appear on my credit file though even though they told me they had filed for bankruptcy!

 

I started to check online forums and discovered that people that had small debts, CCJ's, defaults etc

and which had been discharged were all the victims of their nasty ways and there seems to be a connection between Capquest and a Credit Reference Agency,

like someone has a finger in both pies and they are getting a lot of information from one source then using it to extract monies from people.

 

Capquest are a company working out of the UK America and South Africa....

 

They use a SA based operation called Telogram to make their contact...

telling you there is a parcel or message for you...more intimidation!

 

Well I got wise early on. Changed my Sim card, my landline, bank details and threatened them with the Data Protection Act and Telecommunications Act.

 

They have written to me twice since last summer 2010 and they have done nothing because they don't have a leg to stand on.

 

I was a victim of domestic violence and I have 2 children to care for......

these characters are worse as they attempt to break your heart and soul but they are small potatoes to me after the battles I have fought to be where I am today.

 

The main things are....Do not speak to them on the phone at all....just ignore them. Only correspond via post x

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Cap Quest contacted me at my home two days ago looking for my brother - who has never lived here.

 

I told them so and asked them to stop calling.

 

They called again this evening and I told them again that the person they are looking for is NOT at my home, that I was the only person living here and they should stop calling.

 

The person I spoke to acknowledged that they had contacted me two days ago, acknowledged that I'd asked them to stop calling and then talked over me the whole time so I just hung up.

 

I intend to send them a registered "cease and desist" letter tomorrow.

 

I've been through all this myself and do NOT want this harassment when its not even me they are 'after'.

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I wish to add CRS. As they have constantly ignored my requests that the debt is in dispute as I am disputing the debt as the agreement/contract contains "unfair terms" in my opinion. I have had 8 months of continual letter writing and not got a straight answer from CRS whenever I have quoted them chapter and verse about the fact that they are clearly in breach of the OFT guidelines, debt recovery procedures etc etc...

 

 

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  • 2 weeks later...

Dont know about DCA's but I'd like add a Creditor (GE Home Lending).

 

Account sold to Link who quickly issued a court claim & lost at trial - cca unenforceable.

 

Link passed/sold the account back to GE who, after six months are now chasing the debt.

 

Despite being told otherwise, including getting copy of the judgement continue to send arrears letters & have issued DN's & have just started processing data to the CRA's.

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  • 2 weeks later...

I'd like to add CSL (Credit Solutions Limited) and P2C (Power2Contact) for: harassing phonecalls despite being told not to, crappy intimidating yellow postcards threatening a visit (despite Implied Right of Access being revoked). And NOT providing a requested CCA.

 

Dirt balls, all of them.

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  • 5 weeks later...

Moorcroft - Told them that the debt was in dispute they said they would speak to Virgin next thing I knew there was another letter threatening court action. I even offered to pay half to get rid of them but they wouldn't accept it. (debt is £60) Ignored them and now they have sold the debt to Rossendales Collect.

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I think you could add every DCA in the UK could be included in this!!

 

I wonder just how the DCA's survive selling thess debts on and on for pennies in the pound each time with the cost of attempting to

collect on top.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Has everybody on this thread sent their complaints to the OFT? They are currently carrying out a 12 week consultation: OFT DEBT Collection Guidance Consultation and you can tell them about your problems with DCs now. Gordon Ramsay (no not the Chef!) is the Team Leader, Nigel Cates is Project Director and Jane Shepherd is the name to send complaints to. Ray Watson and David Fisher are Senior Responsible Officers. Here's the link: http://www.oft.gov.uk/OFTwork/consultations/current/debt-collection/

 

All the best, SJ

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Has everybody on this thread sent their complaints to the OFT? They are currently carrying out a 12 week consultation: OFT DEBT Collection Guidance Consultation and you can tell them about your problems with DCs now. Gordon Ramsay (no not the Chef!) is the Team Leader, Nigel Cates is Project Director and Jane Shepherd is the name to send complaints to. Ray Watson and David Fisher are Senior Responsible Officers. Here's the link: http://www.oft.gov.uk/OFTwork/consultations/current/debt-collection/

 

All the best, SJ

 

Yes many have complained,although the OFT will not deal directly with complaints,if there are issues in relation to Consumer Credit Licensing ,they will log it.I have done a few.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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been trying to keep up with this thread but have a question - it's been active for over 4 years now, is it going anywhere?

 

It is a platform to see how they are dealing,and is giving us ideas of who the main offenders are.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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My plans were to make a table showing the overall results,and reconcile this with any enforcement action that had been actioned.

In the last 4 years much has happened,and some DCAs have had sanctions,warnings and are currently being investigated.

We now have CPUT 2008,and there has been further guidance from the OFT,including consultations with them and the CSA on a number of matters including guidance on the wording and content of letters.

 

With over 1000 responses here now,I will try to find some time to get some stats.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Has everybody on this thread sent their complaints to the OFT? They are currently carrying out a 12 week consultation: OFT DEBT Collection Guidance Consultation and you can tell them about your problems with DCs now. Gordon Ramsay (no not the Chef!) is the Team Leader, Nigel Cates is Project Director and Jane Shepherd is the name to send complaints to. Ray Watson and David Fisher are Senior Responsible Officers. Here's the link: http://www.oft.gov.uk/OFTwork/consultations/current/debt-collection/

 

All the best, SJ

 

YES SJ,we are aware of this and will be offering submissions on behalf of the CAG.

We do have a thread in consideration.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Currently having problems with LLoyds TSB cc .On dmp with cccs who pay LLoyds who have agreed plan/payments last 4yrs and are now out of the blue showing arrears on monthly statements.No payment been missed , still 0 int ,when contacted say please ignore its a mistake.This fig now increasing every month and they refuse to put statemnt rightand can offer no break down.

Irwin mitchell and Mercers are by far the worst though.

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Lowell Portfolio 1 - in conjunction with 3G (UK) - default on my [previously immaculate] credit record at an address I hadn't lived at for 21 months (which 3G knew because of constant correspondence) and where no contract exists and still has had no evidence presented to substantiate their action - is this Burma?

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