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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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      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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Lowell portfolio 1 - HELP


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This company above gave me a Default on my credit file for a debt from capital one.

 

I sent this company a CCA and £1 and how long do they have to respond and if they dont what is the next step?

 

They gave me a default for a debt that was from a credit card not from them and i never signed anything from this company or got notifed about getting a default.

 

Now i got a letter from another company saying the above company has sold the debt onto them and now there chasing it.

 

Can anyone help please

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after 12 days the agreement is unenforceable and after 28 days it is a criminal offence. Maybe not paying them could be a good idea.

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after 12 days the agreement is unenforceable and after 28 days it is a criminal offence. Maybe not paying them could be a good idea.

 

 

am not paying them as they have passed the debt to another company and i want the CCJ removed they put on my record

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Your thread moved here.

First of all you should send an s10 notice to the original creditor Cap 1.

This will be useful, later if you decide to launch County Court action for removal.

LP should have informed you that the debt had been transferred......We do need a little more info tho.

When did Cap 1 sell this debt to LP ?

Are there unlawful penalty charges involved wholly or in part with regards to this debt.

At any point have you acknowledged liability for the debt and if so what were arrangements/responses from you and LP ?

Have the new owners been in contact ?

My guess is that LP could not supply the info from your CCA request so offloaded.

They should be reported to your local trading standards and also the FOS.

From what you say you already have enough to take steps to put an end to this,and there is legislation in place to do just that.

Unfortunately if you read some threads in this section you will clearly see that DCAs are not interested in playing ball.

It would be interesting to hear from other members who have had dealings with LP too.

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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Correct me if I am wrong but I understood the CCA request and timescales are only valid on Live consumer credit Act agreements and not one that accounts have been closed and passed for debt collection. That's how I understood it from some threads on here.

 

Hope that helps

Capital One - Claim filed 5.12.06 6QZ90559 £759.25 (15/12/06 not aknowledged yet)

MBNA - Claim filed 5.12.06 6QZ90575 £764.45 (Aknowledged 7.12.06)

Barclaycard - S.A.R - (Subject Access Request) 30.10.06 (County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

Goldfish (Lloyds) S.A.R - (Subject Access Request) 30.10.06 - Dropped as Lloyds liable

RBS Visa S.A.R - (Subject Access Request) 30.10.06 - received and holding on as own bank

RBS Bank S.A.R - (Subject Access Request) 30.10.06 (recieved waiting to open new A/c 1st)

 

Lloyds TSB - County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

 

Lowell Financial Ltd - County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

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  • 1 year later...

hi everyone

hope this is going in the right place,its early morning and i`m slightly stunned by the letter i`ve recieved from lowell.i have moved several times in the past couple of years not bothering to register on the electoral role just milling around since being primary carer for my mother who had dementia,i looked after her untill i could do no more (3 years) before eventually giving in to social worker and doctor pressure and putting her in a home who took six weeks to kill her through neglect but thats a different story my problem now is i have recived a letter from the lowell portfolio saying they have been trying to contact me regarding my mothers address and that they have recently been supplied with information that suggests i previously resided there this could be for a number of reasons none of them good unfortunately at the time i was suffering from depression and cant remember much but as they are debt collectors its not gonna be good.when i left there i ran away from the world to try and get over what happened but always steered clear of using that address for anything now i`m employed have a mortgage and a credit card and am in the process of getting my life together and suddenly this happens,the only thing i have done recently is apply for car insurance with a different insurer paying in installments.the only way i can see anyone associating me with old me is through name and date of birth,on this letter it says they want me to contact them to confirm the update of my address details and if i dont they will assume they are correct and update their records accordingly

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

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hi everyone

hope this is going in the right place,its early morning and i`m slightly stunned by the letter i`ve recieved from lowell.i have moved several times in the past couple of years not bothering to register on the electoral role just milling around since being primary carer for my mother who had dementia,i looked after her untill i could do no more (3 years) before eventually giving in to social worker and doctor pressure and putting her in a home who took six weeks to kill her through neglect but thats a different story my problem now is i have recived a letter from the lowell portfolio saying they have been trying to contact me regarding my mothers address and that they have recently been supplied with information that suggests i previously resided there this could be for a number of reasons none of them good unfortunately at the time i was suffering from depression and cant remember much but as they are debt collectors its not gonna be good.when i left there i ran away from the world to try and get over what happened but always steered clear of using that address for anything now i`m employed have a mortgage and a credit card and am in the process of getting my life together and suddenly this happens,the only thing i have done recently is apply for car insurance with a different insurer paying in installments.the only way i can see anyone associating me with old me is through name and date of birth,on this letter it says they want me to contact them to confirm the update of my address details and if i dont they will assume they are correct and update their records accordingly

Hi Sscat :)

Am just bumping this up for you. You had a dreadful time, I'm sure people here can help you through this part at least. If you start a new thread, it will be easier for us to follow your posts. :) xx

Shrodingers cat's thread is here

Edited by sosumi
added link

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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hi

thanx i`m having problems finding my way round the site i will try that when i find the new thred bit x

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

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  • 2 weeks later...

Hello,

I'm new too and not found out how to make a new thread. but i'm also having a problem with Lowell Portfolio 1 Ltd.

They say i owe £156.13 and are acting on behalf of O2. I haven't been with O2 since 2004.

They sent me numerous letters from Red debt collection services and Hamptons Legal.

In response I sent them the recommended letter where you ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974.

However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so.

So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings.

If anyone can help, I'd really appreciate it!

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Hi squishter,

 

To start a new thread in the 'debt collection industry' forum, simply click go to the forums, click on 'debt collection industry and at the top of the page above the announcements you'll see a 'New thread' Button. It's better if you start your own thread as it makes it much easier for people to help you with out confusion.

 

Cheers

 

Kholo

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Hello,

I'm new too and not found out how to make a new thread. but i'm also having a problem with Lowell Portfolio 1 Ltd.

They say i owe £156.13 and are acting on behalf of O2. I haven't been with O2 since 2004.

They sent me numerous letters from Red debt collection services and Hamptons Legal.

In response I sent them the recommended letter where you ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974.

However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so.

So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings.

If anyone can help, I'd really appreciate it!

Mobile Phone agreements are not generally covered by the CCA. HOWEVER Lowells must provide you with WRITTEN proof of the alleged debt and their right to collect its.

 

Do please start a new thread of you own and we will help you sort them out

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am not paying them as they have passed the debt to another company and i want the CCJ removed they put on my record

Have they actually got a CCJ (County Court Judgement) or is it just a DEFAULT. There is a huge difference

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Thank you everyone for your response. I wasn't sure if i was going to get a reply.

Anyway I managed to start a new thread, thanks to Kholo.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/145356-lowell-portfolio-1-ltd.html#post1530884

 

But in response to ODC, the letter says "Legal proceedings may now be issued and served upon you without notice through the county court which may then incur you with payment of the following costs: " and they basically go on to list a load of extra costs for solicitors and court fees.

so does this mean it is a CCJ or default?

 

thanks again for your help.

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This is bog standard Lowell Bovine Excrement. First of all they have to PROVE a debt exists. Then if you refuse to pay it they MAY take you to court and if they do they MAY be successful and a court MAY order you to pay the debt and the court MAY award costs to Lowells. If you re-read their threatomatic letter you will see that just as in my reply there are an awful lot of IFs and MAYs in their letters.

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