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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Mooky vs Lloyds TSB - please help!


Mooky
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Hi,

Been reading this forum for a good while now, and would like to take a moment to commend everyone involved for their participation, tenacity and open sharing of information. Knowledge is indeed power, and this is the biggest consumer revolt I have experienced in my 23 years; very comforting to know people will not longer lie down and take it!

Anyway, the story so far is…

After leaving uni, I had no job and was therefore unable to make my Lloyds credit card payments. Late charges, interest and PPI fees took me over my limit, and subsequent charges snowballed from there, meaning I am now over £350 over my limit, an amount which in addition to not being in a position to clear, I feel ethically I should not pay. Although I made donations where possible, amounting to just under £200 (this was when I was taking their phonecalls and threatening letters seriously), these donations haven’t dented my arrears.

I am now doing the ping-pong letter game, having sent a LBA and demanded my statements for 6 months (although it seems the problem has been going on longer than this as I am already over my limit in the first statement, so shall have to request some more!). After receiving various threatening letters (exact copies of which I have read on this forum) and a default, I am now stuck as to what to demand.

Initially I demanded all my statements, my charges refunded and my credit record wiped of the default, which has fallen on deaf ears.

The majority of the arrears are composed of £12 late payment/no payment charges, crazy interest, and PPI fees. What strikes me is the insurance is not protecting my lack of payments, and has served to drag me further into the red, therefore how can they justify it? Also, the charges are less than £12, therefore are they immune from my demands for a refund? All I want is to get back to my limit, however if I can get the charges/PPI disregarded, my voluntary contributions thus far should have paid some debt off…

Oh and they even phoned me on boxing day. Swine!

Any help on where I should go from here would be greatly appreciated!

Best,

M

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I am not an expert I am sure someone more knowledgeable will be along soon but were you a student when you applied for the card? - I applied for a credit card and told them I was a student 12 months later I found out that the PPI wouldn't cover me because I am a student MNBA agreed to repay the PPI premiums provided I provided proof of student status

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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Thanks for the interst in my case! Unfortunatly, I got the card before being a student, and was working 18 hours a week the whole time, however in between July and mid Sept I was unemployed, do you think this has any relevance?

Many thanks :)

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I honestly can't answer that but it is worth asking about. But it might hinge on whether you told them you were a student and also how long you have been sucessfully making on time payments (and therefore PPI payments) before you became unemployed

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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So does anybody know if its legitimate to file a case against the extent to which i am over my limit via charges + PPI? I guess its not so much claiming money back as they never took it, just added it to my balence...

 

Cheers!

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So does anybody know if its legitimate to file a case against the extent to which i am over my limit via charges + PPI? I guess its not so much claiming money back as they never took it, just added it to my balence...

 

Cheers!

 

Hi

Go for it, let us know how you get on.

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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The plot has thickened...

 

Got a letter from lloyds saying they have passed my credit card account onto MBA Collections; when I phoned them, they wanted me to set up a pay-back plan for the entire account within 3 weeks, or they'll take me to court. They say even if i do win my charges/PPI back from Lloyds, they'll just take it off the balence I pay them.

 

What should I do? thus far I have demanded a budget form, and that everything be done in writing, but dont know if i should pay a penny to anyone until this is settled... going to write a 5th letter to lloyds tallying up what they've added in charges to my account over 6 months and what i've paid where I can, however should I risk being taken to court by MBA?

 

Any help would be much appreciated!!!

 

Ta

 

Mooky :)

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do a little more reading around - i understand that when an account is in dispute the bank can not do any thing with that account until the dispute is settled .

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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Thanks Butterfly Collector

 

have been reading around - am I right in thinking that I need to send the DCA a CCA requesting the documentation of Lloyds selling my account to them, so that they have to prove they own the debt?

 

And can i then nail Lloyds for selling on a debt that is in dispute?

 

Thanks in advance!

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  • 2 months later...

I filled against LTSB for charges, ppi, mis-applied interest and expenses (total: £1970 ish), and they just dumped £750 in one of my accounts. Haven't received a letter yet, but this obviously doesn’t cover what they owe me… should I ignore it and press on with my claim, or call them/write to them and find out why they have honored one of my points but not the rest?

Many thanks!

 

Mooky

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Hi

Send them one of the letters from here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

Then carry on for the rest of your claim.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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