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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi - first-timer seeking help


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Hello everybody... first posting here... (oooh errrr :) )... but here goes.

 

The story is a long one. Very bad couple of years and huge debts. Divorce, lost business and forced to sell home (question on ERPs when forced to sell posting on the mortgage board soon). The good bit is that most of the debts are settled now. Got advice in the first place from CAB and then when I heard about the then Banking Action Group, read here and used the letters to add to mine when arguing a case for return of charges and reduced settlements. (With some success - thank you CAG!!! :) ) Anyway, as I say mostly settled but I have a couple of questions...

 

Firstly can someone explain this business with passing debts to CCAs and its validity? If I read it rightly - but I cannot find the original explanation - there are situations where that is not being done legally and it means that the debt is not validly claimed by them? I am anxious about this one, having paid a few this way and thinking I had done the right thing in getting discounted amounts.

 

Second, on the matter of credit records. I managed to avoid CCJs (damned heroic considering the mess we were in! even if I do say so myself ;) ) but I do have a couple of issues.

 

One is that many of the companies have recorded wildly inaccurate information which is probably going to take me many months to sort out. Just as a for instance Cap One has me 6 months late when the account was still in full operating order for the first few (they even upped my limit in that time!) and I missed just 2 payments before setting up an interim token payment anyway! The other star one is Future Mortgages who have recorded my mortgage as cleared 5 months later than is actually true! What can you do eh? I shall shortly be sending off my complaints and notices of correction of course. Any advice gratefully accepted though.

 

I have defaults and short settlements which I think will stay with me the full 6 years. Am I right on that? Can you clear old stuff off your records any way? Thanks.

 

And third and last question here... I have one debt outstanding. I have been offering to pay off an Egg loan since last July. First they ignored me, then they said make us an offer and rejected it saying they would require more for a F&F settlement, new offer got same result. When I got blunt about their lack of helpfulness on this point they said it was because my debts were not settled in strict proportion (I have paid between 50% and 85% depending on what they would accept and including the return of penalty charges by one bank.) They even argued I had paid in full one debt and that made it unfair but even they had trouble saying they were seriously arguing over a £230 debt in £50K settled!!! I asked them just how much time they thought I should have spent negotiating on that one if I divided my time proportionately and they appear to have given it up.

 

However I am no closer to settling. I owe £21k and have offered £17k cleared funds - ready and waiting since last July - but it appears they would rather have £1 a month and keep on demanding more and more info from me.

 

Are they waiting for me to get a job and for my situation to improve so that they can take more from me?

 

Sorry it's a long one, full of questions, and thank you for listening if you got this fa. I just want this settled so I can get on with my life. Send my ex his share and know what I have to live on until I can get myself straight again. Any ideas?

 

C

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Hmmm... new tactic from Egg that I would appreciate some thoughts on. They want ALL my financial details before they will consider any F&F proposal. I am looking at a request for full inc & exp, assets and liabilities, mortgage/rent statements, bank statements, utility bills and details and evidence of how the funds are being raised.

 

They already have information on the house sale and a full breakdown of where it's all gone to repay debts plus the info that I am not working and am living rent free etc at the moment til I get back on my feet.

 

I am not inclined to share all this with them - particularly as they could have had their money seven months ago!!! Arrrrrgh!

 

I wonder if they keep refusing hoping that I get back to work, settle with my new partner etc so they can insist on 100%. Proportionate settlement my @*$*!

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Hi Claire, you have quietly beavered away for some months working in the

background and now spring a heck of a lload of questions after you have completed most of what you wanted.:p

 

DCAs.

They can either act on behalf of the original lender, or they can buy the debt off them.

In an ideal world when they have the debt assigned to them, they should

have a copy of the original agreement that you signed. For legal purposes

however, a deed of assignment is sufficient to prove that they are the owners of the debt. What the DOA doesn't record is the amount of the

original debt, the rate of interest nor whether the document was properly

executed. If the DCAs you have paid have reorded their debts as being

settled on your credit file, then you have no problem.

 

Inaccurate details on your credit files.

You can certainly write to the companies pointing out their errors, but if you

still have defaults and partially settled debts, your credit rating will still be

zero after the mistakes are rectified. Unless you can clear up the important

black marks on your files, chasing these ones up appears a waste of time.

 

Defaults and short settlements

 

Yes they will last six years generally. Defaults are being removed by some companies where the person has paid off the whole debt and closed the account. It is usually best to attempt this prior to paying off the debt. After

paying it off you can claim that they have no right to continue processing

your data [ie the default] as your consent for them to process data ended

when the contract ended.

But I can't see that short settlements would be removed until six years had passed. As that being the case, chasing down defaults and errors seems rather academic.

 

Egg

Not sure what you owe with them. In one paragraph you say it is £230, and

in the following one you say it is £21k although I appreciate the £230 might

be only one of several debts to Egg.

 

Have you reclaimed all your unlawful charges from them? Point out that they could have had £17000 last July and that owing to other commitments you

are unsure of the exact amount available now-and the situation will not

improve in the forseeable future. Say that they are welcome to keep on receiving your £1 per month and that will continue until you are back earning money again. Howeveri If they are serious about resolving the issue please

furnish you with a mutually acceptable figure.

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Thanks for that Lookinforinfo, much appreciated. Yeah, you are right about coming up with questions at the end but some of this stuff wasn't happening when I started and I fled the country for a while last year. No matter, it's all good and the letters and info got my so called outstanding balance from IF chopped in half. One letter and they didn't even bother to reply - just credited the account. I swiftly added the other half and wrote to say 'thank you' LOL Reckon they could hear me grinning in every line.

 

Anyway, OK, I follow on the DCA thing now but don't think it really applies in my case.

 

On the credit record I undertand what you say but still feel that to accept such wildly inaccurate stuff is wrong. I shall get it put right - it could mean clearing six months earlier than otherwise. Not much in 6 years I suppose but ... all helps surely? I shall check for any fully closed accounts to get rid of bad history and see where that leaves me.

 

Egg, I am at a bit of a loss with their latest demand. A PM advisor also suggested a senior level letter with the offer one more time. I guess I will try as you suggest but this one is seriously stressing me out not being able to sort it for so damn long. I shall also check and challenge the last statement for interest since July - just in case they have added any cos I am blowed if I should have to pay while they sod around.

 

I am seriously considering not making any more payments and seeing if they send it back to Direct Legal as they threatened before - they might settle quicker and for less. What do you think? Or perhaps I should let it go to court and see what they think of all this messing about. It's not like a judge is going to take every last penny off me so leaving me unable to live or work is it?

 

... deep breaths... ANY ideas welcomed... this one is driving me nuts and stopping me from finally getting on with a new life.

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Claire the only point I was trying to mahe about your credit was that no matter that all the errors are amended, it will not alter your credit score one iota. So while the corrections may satisfy your own feelings, in reality no

company should be looking at your credit file for the next few years since

there is no possibility of being granted a loan.

 

I wouldn't advise stopping payment. Just keep pkugging away at them, using

all your powers of persuasion and coming up with as many reasons as you can think of, for them to settle.

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