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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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFO services and Cabot finance


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Yes they are completely evil I think...even worse than Cabot (if that's possible). I woud suggest everyone who has had a problem sends a complaint to the Office of Fair Trading in London. Contact name is Andy Lowther. Briefly outline your experience. You will only get a sort of polite repy but trust me they are keeping files on such debt collectors and if they get enough they will act. Turnbull Solicitors is in the same building and part of the same company. Have a look on the Debt and Debt Colectors threar there are two or three very interesting posts about HFO.

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yes i have read them, it just cant believe what we are hearing! we are due to get a call back on monday and they have asked for atleast a token payment of around £400! which we obvisouly havent got and they also said for us to defer are mortgage payments for 3 months in order to pay them!! we are already dealing with all clear finance who pay are creditors and have been paying off our morgan stanley credit card and they froze interest on it, now hfo are saying that they will not accept this payment and they dont deal with third parties..this isnt legal is it?

we were told that they should do, they also said that they are not a debt company?!? really?...the website said that they are.

what would are first steps in this case? should we speak to them on the phone?

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everyone who has had a problem send your complaints to the Office of Fair Trading in London. Contact name is Andy Lowther,this is best advice time HFO AND MORGAN STANLEY/GOLDFISH were tarred with same brush,this hfo are a shower and do not speak with them just pick up phone and ask who is calling and what does it concern as soon as they reveal this information,just tell them put everything in writing and put your phone down,and repeat this message on every single call thereafter..patrickq1

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yes i have read them, it just cant believe what we are hearing! we are due to get a call back on monday and they have asked for atleast a token payment of around £400! which we obvisouly havent got and they also said for us to defer are mortgage payments for 3 months in order to pay them!! we are already dealing with all clear finance who pay are creditors and have been paying off our morgan stanley credit card and they froze interest on it, now hfo are saying that they will not accept this payment and they dont deal with third parties..this isnt legal is it?

we were told that they should do, they also said that they are not a debt company?!? really?...the website said that they are.

what would are first steps in this case? should we speak to them on the phone?

NEVER SPEAK TO THEM ON THE PHONE

What they are telling you to do is a complete and utter breach of OFT Guidelines on the collection of debt. Have a read

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

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and if they take us to court and the court can see that we are paying through a debt management plan?...will the re payment that we were paying, or are paying still remain the same would you think?..as we have no extra money we could pay them or we wouldnt be doing a debt plan if we did!

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A CCA request is a formal request to a DCA requesting that they supply you with a copy of the credit agreement you signed. They have 12 working days to produce it. Send the letter N from the link below. Send it recorded delivery with a £1 postal order. Do not sign the letter and remember to write at the top of it I DO NOT ACKNOWLEDGE ANY DEBT TO YOU OR ANY COMPANY YOU PURPORT TO REPRESENT

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-162367.html

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If the cannot supply it within 12 working days THEY are in default and a debtor can legally refuse to pay. If they still have not produced a properly executed agreement containg all the prescribed terms after another calendar month they commit a Summary Offence and should be reported to TS if they make any more demands for money

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I have today recieved what in my eyes was a threataning phone call from a person called Philip at HFO Services, He said he was the manager i think ( i found him hard to understand with the accent he had) He told me that i owed over £3k to a company called Welcome Finance who had sold the Debt on to them. I was aware the debt was there. Anyway to cut a long story short He called me whilst i was at work i explained that i could not talk to him, but if he could call back in the morning i would talk then. He refused and said this needs to be sorted immediatley. I said i am a single bloke earning not much money, so i could only afford £40 per month. He said this was not enough and that it should be at least £170 with an immediate payment of £100 to stop a distress warrant being issued. I said that its too expensive and i simply cant afford the high payments. He then informed me that coz i aint paid today, someone will be visiting me for payment!

 

I see other people have had dealings with this company. Where do i stand?? HELP!!

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finally i have now sent my CCA to HFO ,though only just out of hospital i have decided that CCA first and when they fail to produce i shall then start with my complaint to TRADING STANDARDS,furthermore i shall also be making a formal complaint to the ICO and TS against MORGAN STANLEY for failing to produce under SAR notice (failing to produce all letters call records and the CONTRACT and for passing this debt to a third party whilst in dispute)so i will keep you all posted

patrickq1

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well it has been seven days since i CCA HFO

and this morning i have received from MORGAN STANLEY THAT WITH EFFECT FROM THE 14 JUNE 2007 WE HAVE SOLD YOUR ACCOUNT TO HFO CAPITAL LIMITED

from now on ,you must accordingly direct all payments due under the agreement(no agreement no contract has been shown by MS they have defaulted under the FOI)

as well as correspondance and enquiries ,to HFO SERVICES which is servicing the account on behalf of HFO CAPITAL LIMITED

NB.

although the assignment does not effect the terms and conditions of your agreement,you should note ,that from now on.no variation,ammendmant,release or waiver of your obligation to make payment may be granted without prior written consent of HFO SERVICES LIMITED

As i see it HFO will be in breach of the CCA within the next five days ....what will my options be,i am of a mind to write by registered letter again to MS and remind them that they have during default passed this debt to another party and they are still in default for not supplying the contract /agreement...is their any wording i should use

patrickq1

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I'm sure DaveFireWalker won't mind be posting this here for you he is in the same boat and so is my daughter. I don't know how to do a link, have tried before, but useless OAP.

 

Quote

just in case any of you are still reading this rather boring thread

 

just fired a letter off to morgan stanley...(another one I'm going after)

 

the cheeky so and so's have "assigned" my debt......not while its in dispute they havent

Dear Sirs

 

I am again in receipt of a third party letter demanding payment of my account this time from HFO services. Apparently you have unlawfully assigned this debt!

 

As you already know, this account is in dispute and has been for some time. Your promises of the refund of my charges have come to nothing, as is I suppose your promise of removing the unlawful default placed against my account.

 

You are in default of section 78 of the consumer credit act in that you still have not supplied an executed agreement. You are also in default of section 85 in that as no executed agreement exists you could not possibly have complied. I have let this lie for some time, but will now act upon it. I believe that the “agreement” is improperly executed and unenforceable at best, unexecuted and irredeemably unenforceable at worst. I shall be filing an N1 as soon as I get my POC sorted.

 

While this default exists you may not enforce the debt at all. This includes demanding payment or passing the debt onto third parties. You have already been previously warned via Section 10 of the data protection act about unlawful processing of inaccurate data. I shall also be doing a check on this and if it is found that you have been continuing to process my data inaccurately and unlawfully I shall file a complaint with the information commissioner.

 

This default has gone past the deadline for a criminal offence to have been committed and a complaint is being prepared for the relevant authorities. This offence carries a fine of £2500 or 6 months in prison or both.

 

Continuing to ask for payment will further compound this offence and will also be seen as harassment .

 

I hope to see you in court very shortly

 

 

and I have also sent this to HFO services

 

HFO services ltd.

 

 

Dear sirs

 

Please find enclosed my letter to morgan Stanley / goldfish

 

Please be assured that I know my rights, and will not be bullied.

 

I again state that all contact MUST be in writing, so that an evidential trail can be produced in court, and that any calls WILL be recorded without further warning.

 

If you feel like taking me on I suggest that you make sure that you have a PROPER copy of my EXECUTED regulated agreement.

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yes isny it funny how, the bill just seems to keep going up and up!! it was originally £3047 last year with morgan stanley and we are pagying them through a debt managent compnay and now it has been sold to hfo and we have recieved the exact letter as to what patrick was sent from morgan stanley stating that the balance was something elses..then recieved a letter from hfo in which the debt is now just over 5k!!!!

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ok , many thanks! just had a phone call from them tonight saying that they are sending round 2 field investigation people round on saturday at 2pm! how funny, we asked to put everyting in writing, there reply was ' sorry, thats not possible'...we have just hung up!!

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TWO Doorstep Dickheads? They must be worried that you might shout loudly and reduce a Single Simpleton to tears.:D

 

I take it you won't be putting the kettle on when they call. :lol:

 

Perhaps the kettle will be on for the police when they come round to shoo them there field agents away :lol:

Just hate every DCA out there

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