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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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Ruthbridge Ltd


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Hi to all and please can any1 help me??

 

First i want to thank all the ppl who, help and admen this site. THANK U ALL!!

 

1. If i have posted in the wrong place please forgive me i am very new to this and i have a sight difficulty's if i spell or miss place anything its coz i cant see the screen to well.

 

2 got a letter this week from (Mr Jason Evans, of Ruthbridge Limited a bunch of cow tippers) saying my dad owes their client Cabot Financial Europe Limited £1700.00 for some loan (we have not a clue what these idiots are on about) and we need to pay with in the next 7 days

 

ok i've been reading all the post on this thread and came to the conclusion i need to send them latter template N, for a CCA but someone has said not to sign is that correct?? do i just let my dad print his name at the bottom and not sign it?? any advice will be grateful i will past the letter here please can u tell me if i have done anything wrong or if it is ok to send many thanks to all from foxy

 

Dear Sir/Madam

 

Re:− Account/Reference Number *************.

Client Name Cabot Financial Europe Limited.

I do not acknowledge any debt from your client:

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

I do not acknowledge any debt and if you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

Mr...........so i do not sign?? i just let him print with the keyboard??

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Hi to all and please can any1 help me??

 

First i want to thank all the ppl who, help and admen this site. THANK U ALL!!

 

1. If i have posted in the wrong place please forgive me i am very new to this and i have a sight difficulty's if i spell or miss place anything its coz i cant see the screen to well.

 

2 got a letter this week from (Mr Jason Evans, of Ruthbridge Limited a bunch of cow tippers) saying my dad owes their client Cabot Financial Europe Limited £1700.00 for some loan (we have not a clue what these idiots are on about) and we need to pay with in the next 7 days

 

ok i've been reading all the post on this thread and came to the conclusion i need to send them latter template N, for a CCA but someone has said not to sign is that correct?? do i just let my dad print his name at the bottom and not sign it?? any advice will be grateful i will past the letter here please can u tell me if i have done anything wrong or if it is ok to send many thanks to all from foxy

 

Dear Sir/Madam

 

Re:− Account/Reference Number *************.

Client Name Cabot Financial Europe Limited.

I do not acknowledge any debt from your client:

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

I do not acknowledge any debt and if you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

Mr...........so i do not sign?? i just let him print with the keyboard??

 

YES do not sign, just type the name at the end of the letter. Some companies, such as Ruthbridge, are not beyond copying the signature onto a form they allege the client signed.

Also check this alleged debt is not statute barred, Ruthbridge are known for chasing these type of debts just before they become statute barred or when they already are.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Ruthbridge also send out a 'letter to occupier', this invites you to telephone them regarding a 'delivery'. IGNORE this letter and tell your father to do the same, it is just Ruthbridge and once they have your telephone number they will threaten everything from bankruptcy to killing your cat.

Any problems post back.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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  • 2 months later...
Hi

 

Recieved a letter this morning addressed to the occupier. Can I assume they are just phishing?

:!:

 

Yes. Ignore the clowns they will go after someone else when they see you are not playing. Keep the letter and report them to Trading Standards if you wish, sending out that sort of thing is against the rules.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Ok guys, sorry for late reply first thank u to all who helped and gave me advice thank u so much for ur time and help.

 

sent Ruthbridge Ltd, the temp letter above in the this post... not heard anything from them for along time so i'm thinking they had no leg to stand on and have left the issue.... did get a letter from Cabot financial few days after i sent Ruthbridge, the temp letter saying they are trying to find the original CCA but no nwes from them too i think its been all most 10 weeks so i;m hoping they have just written it off.

 

once more thank u to all who helped me and my dad

 

if i hear anything i will post here again

 

@ sammyfield

there are good ppl with good advice on this site..Ruthbridge ltd are a bunch of cow-tippers dont let them bully u and good luck i hope u get it all sorted.

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Whitefox.

 

Don't hold your breath waiting for the CCA that you are leggaly entitled to. One good point, no cca = no debt. If they keep on at you report them to trading standards who already have a substantial file on Ruthbridge.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Hi

 

We have now recieved a letter adressed to my partner. It states that

 

"we note that you have not relpied to mail directed to you"....well he has had no mail "directed" to him from this company - only the letter to the ocupier and they say that an agent will call.

 

They have not stated what this letter is about (ie what debt it relates to) or the comapny they are representing. I'm choosing to ignore the letter untill they write to tell us what it is about.

 

Any advice on what to do would be great thanks:-x

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Hi

 

We have now recieved a letter adressed to my partner. It states that

 

"we note that you have not relpied to mail directed to you"....

 

So, don't reply to this one either.

 

well he has had no mail "directed" to him from this company - only the letter to the ocupier and they say that an agent will call.

 

Don't hold your breath waiting for the 'agent', the names these clowns give themselves really is laughable.

 

They have not stated what this letter is about (ie what debt it relates to) or the comapny they are representing. I'm choosing to ignore the letter untill they write to tell us what it is about.

 

Even if they did tell you what it is about, still ignore them.

Any advice on what to do would be great thanks:-x

 

As above.

 

regards

Please remember our troops, fighting and dying in our name. God protect them.

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I usually pretty much ignore debt collectors except capquest see my thread , most of them are full of the brown stuff and all give up eventually, however i have read this thread with interest and am now contemplating getting into a bit of a tussle with them to keep me amused through the long winter nights. The debt belongs to the other half , they dont have any phone numbers for her so its just the usual guff they sent out , i have started to keep them and am filing them under F for funny I for illegal and BS well you can guess that one , actually i should name the folder BS and file everything else in sub catagories . Anyway the debt is a next store card pre 2006 and i imagine if she cca s them the only thing if anything she will get is an application form which i doubt will be enforceable , the OH is a bit dubious about rocking the boat , but these clowns have annoyed so many people . The most recent letter isfrom their Debt Hardship service where their trained staff will work to try to help her , negoiate an affordable repayment scheme .The service is entirely funded by Ruthbridge and is provided absolutely free of charge . All you have to do is phone the number below ( cool ) . Now the funny bit , Should you ignore our FINAL offer of assistance we will have no alternative to refer your account to our Debt Recovery division . Signed Jason Evans Debt Recovery Division , Now call me an old sceptic , but i am starting to doubt that Jason is being straight with me here , im beginning to think that the file hasnt actually been sent to the Debt Hardship Service, where their trained advisors are working tirelessly to help negoiate an affordable repayment scheme at all . No i believe Jason is trying to pull the wool over my eyes on this one , and what his letter should of said was . Dear Mucker , listen to i tell you this , christmas is coming up soon and everyone in Ruthbridge need the cash for skiing holidays etc, we have tried numerous ways to dupe you into giving us a bell , but all to no avail , we have tried the dear occupier letter , which usually makes people curious enough to call us , but that didnt work , then we had a go at the old bankruptcy one, people usually panic when they get that and are on the phone immediatley to us , but that effort was wasted on you , we tried the 72 hour one and waited patiently by the phone only to be dissappointed by your failure to take the bait. Look mate we are running out of ideas here please give us a ring , our dedicated staff are anxious to try and get some christmas money out of you , and some of the money we get from you will go towards sending out letters offering our Free debt hardship service to other people . We cant really get our message across to you on paper because we cant really put any of our bully boy threats on it , in case you show it to someone. So please please i beseech you give us a bell .

Your Mate

Jason

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If they want you to give them a bell there are plenty of santa xmassy bells around, could make a nice decoration for their offices!

 

Seriously the different divisions make me laugh, how about a "Ministry of Silly DCA Letters" round up thread, got to be won by the immortal "Valid even if not read by you" or the old Westcot letters designed to look like cout forms, but in scary varigated red....

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You could have some fun by reporting Ruthbridge to the OFT for their latest letter alone. Their application for a consumer credit licence, which was renewed after more than a year of consideration by the pen pushers, was notable for its deletion of the debt counselling element. So what Jason - who doesn't exist - is offering is outside the scope of the licence. Telling you that bankruptcy is an option in the same letter as offering you a substantial discount is just icing on the cake. Go get Jason!!!!

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  • 6 months later...

Just google Ruthbride their site is there and there is a load of links to CAG and other forums with complaints etc.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 months later...

Hi, I was wondering if anybody can help me. My mum recieved a letter from this company yesterday. They say they have been instructed by Cabot Financial Europe Limited who have passed the debt onto them for collection of an outstanding balance form a Credit Card. It also says its been assigned form somebody named Providian. My mum has never had a credit card in her life. What do we do? There's no threatening or abusive language in the letter it just says that we should get in contact with them to arrange a payment. Any help will be fantastic.

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There is no criminal offence now regarding non

compliance with a CCA request, the only sanction

is that the debt cannot be enforced in court, but

proceedings can be started, collection

activity is usually suspended while the request

is investigated, the debt remains live and recoverable.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi, I was wondering if anybody can help me. My mum recieved a letter from this company yesterday. They say they have been instructed by Cabot Financial Europe Limited who have passed the debt onto them for collection of an outstanding balance form a Credit Card. It also says its been assigned form somebody named Providian. My mum has never had a credit card in her life. What do we do? There's no threatening or abusive language in the letter it just says that we should get in contact with them to arrange a payment. Any help will be fantastic.

Hi, Ruthbridge are well known for chasing debts that no one else

will touch.

1. Do Not contact them by phone ever.

2. How much are they chasing for?

Providian own Vanquis Bank which

issues

''credit building'' credit card, but I believe

that they are/were involved in revolving credit

accounts as well.

 

You could be wise to check your mums

credit reference files to see if any thing

shows up, then come back to us for advice.

Ignore the letter for now Ruthbridge deal

in old and often statute barred debts.

 

Brig.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thank you Brig. Sorry, I am new to all of this. How would I go about checking my mum's credit refernce? The sum they are asking for is £425.86. My mum had all her debts wiped a few years ago. There is no date on the letter stating when this credit card was taken out. Could it be they have her mistaken for somebody else or could it be fraud? Could somebody have taken a card out in her name? Thanks again for you help :smile:

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