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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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Credit AGREEMENT -or- APPLICATION? RBS Advantage Card


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I may get accused of trying to hijack this thread if I post anymore in here :-) but I think that most of it is relevant to the discussion of agreements / applications etc. I am just having a go at Morgan stanley CC. I have CCA'd them and got given just as the twelve days was up

 

1 a photocopy of the t&c (age unknown)

2 a copy of an unsigned agreement (very recent)

3 a photocopy of my application (signed on the back as a true copy of the original)

 

and a covering letter saying " as requested please find enclosed a copy of your executed agreement, a certified copy of your APPLICATION form and a copy of the current terms and conditions"

 

Now then I dont think that they have complied with sections 60 / 61 of the act in that a properly executed document must contain two signatures

 

Any thoughts

 

dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Now then I dont think that they have complied with sections 60 / 61 of the act in that a properly executed document must contain two signatures

 

Any thoughts

 

dave

 

Hi

 

For the purposes of complying with any section of the Act that require a 'copy' of the executed agreement to be sent, the creditor may omit any signatures and the name/address of the debtor.

 

However, If they want to enforce via the court they would have to show a fully compliant document with signatures so they might as well send the full monty in the first place, but they don't have to. Strange, but true!! :confused:

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi

 

For the purposes of complying with any section of the Act that require a 'copy' of the executed agreement to be sent, the creditor may omit any signatures and the name/address of the debtor.

 

However, If they want to enforce via the court they would have to show a fully compliant document with signatures so they might as well send the full monty in the first place, but they don't have to. Strange, but true!! :confused:

 

Regards, Pam

 

So.... I would write back thanking them for your copy of the application form and the T&C and the agreement document. Ask them for the T&C which were originally sent with the agreement and also your true copy of the executed agreement containing all the prescribed terms and your signature.

If this cannot be supplied, then they have an unenforceable agreement.

 

Z

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Lets hang fire here until we see the application form shall we? How many applications have we seen that could fly as an agreement albeit with a court order for enforcement?

 

Dave, is there any chance you can post the application form on this site? Scan it and save it in photobucket (I'm not too sure how this works, maybe someone else can give us a hand?).

 

If the application form isn't a goer, stop paying them. Pam is resident SPI (Spotter of Prescribed Items)

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sure will do ... bit rushed at the mo will post it later...

 

but it is an application, they admitted it was am application and it only has my sig on it

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Pam is resident SPI (Spotter of Prescribed Items)

 

Eeehh! When did that happen then?!? :eek::)

 

I'm glad you haven't chosen the title - Spotter of Prescribed Item Terms!! :-D

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Eeehh! When did that happen then?!? :eek::)

 

I'm glad you haven't chosen the title - Spotter of Prescribed Item Terms!! :-D

 

dont be daft - we all know thats a dog..:D:D:D

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Hi Pam

 

Scanning the thread. Did m55 call you spotty?

 

Not having him insult you(my job);)

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Pam

 

Scanning the thread. Did m55 call you spotty?

 

Not having him insult you(my job);)

 

Peter

 

Careful though, I might respond with a 4 letter word!!!

 

 

 

 

 

PINS!

 

:lol::lol::lol::lol:

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Woops Peter - you've done it again, are you feeling the pain:eek:

 

Hi LB

 

No, he's behaving himself at the moment but I have just made a bulk purchase - just in case!!:D;):):D

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Oww

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Aftrenoon everyone:)))

Look what came in the morning to my mailbox

 

Beating Banks With Bad Credit Agreements? - 30/03/2007

 

I also wanted to say a Big THANK YOU to PAM and DAVE for all your help...I am going to draw the letter to WF to advise them that i am stopping my payments as the agreement is not properly executed and therefor unenforcible.

And if they submit the defence i will amend my N1 to the court( thread Itsme VS Welcome Finance )...Now...being not english( english is not my first language)...it's a bit hard to make right wording for the letter...I will use Dave's as a sample....but if you have any more ideas, please let me know:)))

 

Kind regards,

 

Maria

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Aftrenoon everyone:)))

Look what came in the morning to my mailbox

 

Beating Banks With Bad Credit Agreements? - 30/03/2007

 

 

Hi Maria

 

I have also seen this. Don't go wasting the £30 they are charging for a report on your agreement though! It is easy enough to show why your particular agreement is unenforceable by simply reading the CCA's regulations.

 

I will get back to you this evening about wording for a letter unless Dave or anyone else does it first, and also about the PPI/Medicare issue.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi Maria

 

I have also seen this. Don't go wasting the £30 they are charging for a report on your agreement though! It is easy enough to show why your particular agreement is unenforceable by simply reading the CCA's regulations.

 

I will get back to you this evening about wording for a letter unless Dave or anyone else does it first, and also about the PPI/Medicare issue.

 

Regards, Pam

 

Pam

 

Will this help or can you suggest any changes

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/79147-consumer-credit-act-resources.html#post698254

 

Z

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Hi Zubo

 

The letter Maria is going to send is a definitive 'take a hike' letter because she has received a copy of the full monty agreement but unfortunately for the lender :-D they have omitted to enter the 'Amount of Credit'! This is a prescribed term so her agreement is totally unenforceable!

 

I will give any feedback on your proposed template letter later as I don't have time now.

 

Do we get royalties?? :D:D

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi Zubo

 

Your linked thread has mysteriously disappeared!?!

 

I have now tried twice and keep getting 'invalid thread'!!

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi Zubo

 

Your linked thread has mysteriously disappeared!?!

 

I have now tried twice and keep getting 'invalid thread'!!

 

Regards, Pam

 

not sure what admins are doing...

 

i assume its an admin - maybe they dont like the idea????

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what do you think of this

 

mbna.jpg

 

its an application form...

 

also where exactly are the financial prescribed terms... their signature..

 

gotta go

 

Z

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As far as I can see it doesn't mention interest rates, it doesn't have repayment frequency and it doesn't have a credit limit, so as far as I can see it is unenforceable, but the text is a little bit hazy.

 

What was on the back? If the other bits are there the consensus of opinion is that it still is unenforceable, but I have reservations about that. Wait for Pam to comment, we all bow to the SPI :D

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hi Zubo, m55dlc

I have blanked their signature, there is nothing at the back and there are no T&C.

 

If you read the top right corner no.3 it clearly reads SIGN YOUR APPLICATION FORM.

 

forgot to mention this was originally with BOS and have since sold part of their business to MBNA

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