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

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Baines & Ernst now CCCS - many debts


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GETTING FED UP WITH IT ALL...:(

why is this cabot crap taking so long ?

is it me ? I dont seem to be able to stick to my timetables when i come home from my 12 hr day i end up noding off and leaveing things till tomorrow..

i thought after my personal win at citifinancial that this would follow the same path seeing as they dont have the CCA .:(

to wait another two weeks is bordering on the unbearable..:-x

 

sorry for the moan..

spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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GETTING FED UP WITH IT ALL...:(

why is this cabot crap taking so long ?

is it me ? I dont seem to be able to stick to my timetables when i come home from my 12 hr day i end up noding off and leaveing things till tomorrow..

i thought after my personal win at citifinancial that this would follow the same path seeing as they dont have the CCA .:(

to wait another two weeks is bordering on the unbearable..:-x

 

sorry for the moan..

spuddly

Just two weeks to get these a holes off you case. Worth it I think

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Thank you for your continuing support.

spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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on a positive note...sent final payment to halifax loan £95 contacted them over the phone and asked for letter to send to my credit file company to prove no account with them so then remove from file straight away , as i did with citifinancial last week and checked my file today NO DETAILS left on file ( i scanned the account closure letter from citifinancial and attached it to the enquiry ) :D

 

paid overdraft off finally halifax £152:D

 

chatham finance accepted two payments to settle one this week £250 ,one a month from now£250 , thats them done as well:D so i will have settled four accounts by this time in august.

 

 

(off topic i know but i feel tons better now reading this here )

spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Thanlks for the support..:)

1 week is over and still no contact from Cabot or Citicards...:D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Been to TS today about CITICARDS/CRAPBOT still no CCA or T&C after given a further 2 weeks notice( good film!!), i digress,told to report the SOB to FSA ASAP by phone or "tinternet".

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Been to TS today about CITICARDS/CRAPBOT still no CCA or T&C after given a further 2 weeks notice( good film!!), i digress,told to report the SOB to FSA ASAP by phone or "tinternet".
GO FOR IT:D

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Just thought i would post my next communication i am sending .

 

Cabot financial (Europe) ltd

PO Box No 241

West mailing

Kent

ME19 4NA

COMPLAINT

Dear Sir or Madam

Re

Despite numerous requests to Cabot financial (UK)/ The Associates, I made a formal request for a copy of the signed, executed credit agreement for the above account under Section 77(1) and Section 78(1) of the Consumer Credit Act 1974 and a true signed copy of the Deed of Assignment has not been complied with.

 

Further, I do not acknowledge any debt to Cabot/citicards.

 

Regarding the original reply 26/03/07 I was told it would be 21 days but could take 8-10 weeks to retrieve the information required from archives it has now been 19 weeks and still no credit agreement or deeds of assignment.

 

On the 27/06/07 I received a phone call from CITICARDS, to say I was surprised is an understatement as I had no idea who they were? I was informed that they had bought The Associates a few years earlier and why was I asking for a copy of the agreement, I explained my reasons why and was told that the agreement still exists and it would take a further 2-3 weeks to retrieve from archives in the meantime I would be sent a copy of the terms and conditions within the next few days, it has now been 6 weeks and I have not received anything.

 

May I point out that at no time was I informed of CITICARDS purchasing The Associates and therefore my account with The Associates had been transferred to CITICARDS ownership? I believe I should have been notified at the time by letter from both parties involved of my account transfer, I have received no such letters (Deeds of Assignment) I believe that my DATA has been shared without my knowledge or consent under the DATA protection act 1998, which I intend to report to the information commissioner’s office. I sought further advice from trading standards and they contacted citicards and spoke to Joanne who confirmed I was the account holder before she would discuss the account with T/S officer Joanne told T/S that they have the letter that I sent requesting the CCA but don’t know where the £1 cheque is that I sent with the letter.

And it will take them a further 2 weeks whilst they find my CCA as they have to send a request internally, two weeks have passed and still nothing.

 

I have been back to Trading standards and been advised to report the matter to FSA.

 

In my personal opinion and after dealing with other creditors who have been able to produce all the relevant Credit agreements within the allotted timeframe I feel that the whole procedure in dealing with Cabot/ Citicards has been a long and unnecessary process that should have been resolved within the 8-10 weeks as promised in the original letter.

 

To resolve this complaint

 

1. I would like a true copy of my Credit agreement

2. I would like a true copy of the Deed of Assignment

 

If these cannot be produced

 

1. The account closing

2. A zero balance

3. Removal of all defaults entered by Cabot/kings hill no1 /The associates also including citicards. Note this is to be a complete deletion and not merely an amendment

4. Also you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group.

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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unfortunatley i posted the letter earlier today..

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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recieved this in the post today

 

citicards1stletterdeit.jpg

citicards1stletterdeit-1.jpg

 

first attempt blurred posted again..

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Nevertheless, I'm sure that our friends will need to rely on it as no doubt it is all they have.

 

Which begs the question... if Citi KNOW that all they have is an application form, unenforcable in law, don't Cabot have a case to go back to Citi to ask what the feck they think they are playing at?

 

But of course, that's totally up to them. Isn't it, my little MIB chums?????

 

:):):):):):)

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hmmmm..!! loosks like more fuel for my chimenia.

well i was expecting my first letter from citi to be a copy of the T&C at least with this letter?

also i was told on the phone a few weeks ago that they DID have a copy of my agreement and it was on its way ...So is christmas love:p .

spuddly:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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what do you think to this next reply from CITI.......

 

 

 

 

citinoobligationdoc.jpg

 

 

looks to me like cabot are in for a rough time!!

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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They have broken the Law.

 

From the Data Protection Act 1998

SCHEDULE 1

The data protection principles

Part I

The principles

 

1 Personal data shall be processed fairly and lawfully and, in particular, shall not be processed unless—

(a)at least one of the conditions in Schedule 2 is met, and

(b)in the case of sensitive personal data, at least one of the conditions in Schedule 3 is also met.

2 Personal data shall be obtained only for one or more specified and lawful purposes, and shall not be further processed in any manner incompatible with that purpose or those purposes.

3 Personal data shall be adequate, relevant and not excessive in relation to the purpose or purposes for which they are processed.

4 Personal data shall be accurate and, where necessary, kept up to date.

5 Personal data processed for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

6 Personal data shall be processed in accordance with the rights of data subjects under this Act.

7 Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

8 Personal data shall not be transferred to a country or territory outside the European Economic Area unless that country or territory ensures an adequate level of protection for the rights and freedoms of data subjects in relation to the processing of personal data.

 

From ICO's Data Protection Act 1998 Legal Guidance

 

Chapter 3: The Data Protection Principles

3.1.4 Lawfulness

 

The Act does not provide any guidance on the meaning of “lawful”. The natural meaning of unlawful has been broadly described by the Courts as “something which is contrary to some law or enactment or is done without lawful justification or excuse”.

(R v R [1991] 4All ER 481). The term applies equally to the public and private sector and to breaches of both statute and common law, whether criminal or civil. An example of information unlawfully obtained might be information, which is obtained as a result of a breach of confidence or in breach of an enforceable contractual agreement. Since 2 October 2000 it applies to a breach of the Human Rights Act 1998 by a data controller bound by that Act.

 

Citi are not permitted to sell your data or pass it on until they comply with the CCA request. Cabot are not allowed to process your data until such as a time as Citi comply with your CCA request. Both can be reported to the ICO at this time.

 

Best Wishes

MoonHawk

I think it would be a good idea.

Mahatma Gandhi when asked what he thought of Western civilization

 

Advice & opinions of MoonHawk are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

Lloyds TSB - Unlawful charges - Settled £8,807.68

Motor Help UK - Misrepesentation Act - Settled £111.25 (Thread Here)

Next Directory court action without a CCA for £605 - Settled & account closed (Thread Here)

CABOT - Can not produce CCA and refusing to accept it - In progress

Aktiv Kapital - Can not produce CCA and also refusing to accept it - In progress

Barclaycard - Can not produce CCA for an account of £2,000. After a long fight used CPR - Settled

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what do you think to this next reply from CITI.......

 

 

 

 

citinoobligationdoc.jpg

 

 

looks to me like cabot are in for a rough time!!

 

 

Hi,

 

 

This is almost exactly the same letter that they sent me!

 

It does look like the "rights and duties" have gone from Citi!

 

Funny how only the rights have ended up with Cabot!:grin:

 

Now where the hell are them f****** duties at!!?:-)

 

 

Regards, Jeff.

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Now where the hell are them f****** duties at!!?:-)

 

There is a big chasm between the OC and the debt byer :D:)

 

Best Wishes

MoonHawk

I think it would be a good idea.

Mahatma Gandhi when asked what he thought of Western civilization

 

Advice & opinions of MoonHawk are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

Lloyds TSB - Unlawful charges - Settled £8,807.68

Motor Help UK - Misrepesentation Act - Settled £111.25 (Thread Here)

Next Directory court action without a CCA for £605 - Settled & account closed (Thread Here)

CABOT - Can not produce CCA and refusing to accept it - In progress

Aktiv Kapital - Can not produce CCA and also refusing to accept it - In progress

Barclaycard - Can not produce CCA for an account of £2,000. After a long fight used CPR - Settled

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Hi,

 

 

This is almost exactly the same letter that they sent me!

 

It does look like the "rights and duties" have gone from Citi!

 

Funny how only the rights have ended up with Cabot!:grin:

 

Now where the hell are them f****** duties at!!?:-)

 

 

Regards, Jeff.

 

 

I have a letter like this off CITI too - like you I wonder how only the "Rights" end up with Cabots - Me thinks they have "selective reading syndrome" in there!! :confused:

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ok, here is there response to a complaint i made to Crapbot

 

cabotcomplaintresponse.jpg

comments....plz

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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