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    • 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).
    • 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. 
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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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Guidelines - Requests For An Original Agreement Under The Consumer Credit Act 1974


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I've found possibly the most useful document, which explains (amongst many other things) exactly what the OFT's interpretation of a valid agreement is:

 

 

 

So if and when you get your CCA reply, it is so important that you check its validity!

 

The document is here:

http://www.oft.gov.uk/shared_oft/reports/consumer_credit/oft786a.pdf

 

Sorry if it's been posted before, but it's just SO useful! :D

 

I is confused :eek: this Act is of 1974 S127 regarding non enforcement without both sigs, does this mean the CCA 1983 S127 cancels this out by default, if that is the case when you sign an agreemnet is states the 1974 act and not the 1983 act...

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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I is confused :eek: this Act is of 1974 S127 regarding non enforcement without both sigs, does this mean the CCA 1983 S127 cancels this out by default, if that is the case when you sign an agreemnet is states the 1974 act and not the 1983 act...

 

No

 

1983 only allows them to comply with a CCA request without falling foul of the law but does not apply to enforcing the debt

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I is confused :eek: this Act is of 1974 S127 regarding non enforcement without both sigs, does this mean the CCA 1983 S127 cancels this out by default, if that is the case when you sign an agreemnet is states the 1974 act and not the 1983 act...

 

Hi

 

I have just read the bank can recreate them

 

How trustworthy is your bank? | Money | The Guardian

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Hi MarkieMark,

 

Don't understand this, how can it be enforceable with no signatures?

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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Hi MarkieMark,

 

Don't understand this, how can it be enforceable with no signatures?

 

Newborn

 

If you're referring to Paul Walton's claim, it's because the debt was already enforced via a CCJ, so the missing signatures are irrelevant and a request to set Judgment aside because he had a realistic prospect of successfully defending failed.

 

For the full (very, very long) story, see here;

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/11427-walton-rbos.html

 

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The banks try and sell you identity cover, yet they are the ones who lose the credit agreement. I would have thought in the interests of sercurity they would keep proper records of customer accounts. In the media indentity theft is on increase.

 

I have made an application under section 77/78 of the CCA 1976 and they have 12 days and a further month, i think.

 

Failing this I will contact in Information Commissioner Office.

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Tried for an answer on another thread . Can anyone here help ? If after a summons is recieved you request copies of all the monthly C C statements. Should all statements be available ? And if say one is missing , could you apply for the case to be stuck out ?

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Stapeley I am defending a claim on the basis that 26 statements are missing and as our defence relies on mis-sold PPI to an extent I have asked for the claim to be struck out. I am not sure if one missing statement would have the same effect - in fact I don't yet know if my argument has worked.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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“77A Statements to be provided in relation to fixed-sum credit agreements (1) The creditor under a regulated agreement for fixed-sum credit—

(a) shall, within the period of one year beginning with the day after the day on which the agreement is made, give the debtor a statement under this section; and

(b) after the giving of that statement, shall give the debtor further statements under this section at intervals of not more than one year.

(2) Regulations may make provision about the form and content of statements under this section.

(3) The debtor shall have no liability to pay any sum in connection with the preparation or the giving to him of a statement under this section.

(4) The creditor is not required to give the debtor any statement under this section once the following conditions are satisfied—

(a) that there is no sum payable under the agreement by the debtor; and

(b) that there is no sum which will or may become so payable.

(5) Subsection (6) applies if at a time before the conditions mentioned in subsection (4) are satisfied the creditor fails to give the debtor—

(a) a statement under this section within the period mentioned in subsection (1)(a); or

(b) such a statement within the period of one year beginning with the day after the day on which such a statement was last given to him.

(6) Where this subsection applies in relation to a failure to give a statement under this section to the debtor—

(a) the creditor shall not be entitled to enforce the agreement during the period of non-compliance;

(b) the debtor shall have no liability to pay any sum of interest to the extent calculated by reference to the period of non-compliance or to any part of it; and

© the debtor shall have no liability to pay any default sum which (apart from this paragraph)—

(i) would have become payable during the period of non-compliance; or

(ii) would have become payable after the end of that period in connection with a breach of the agreement which occurs during that period (whether or not the breach continues after the end of that period).

(7) In this section ‘the period of non-compliance’ means, in relation to a failure to give a statement under this section to the debtor, the period which—

(a) begins immediately after the end of the period mentioned in paragraph (a) or (as the case may be) paragraph (b) of subsection (5); and

(b) ends at the end of the day on which the statement is given to the debtor or on which the conditions mentioned in subsection (4) are satisfied, whichever is earlier.

(8) This section does not apply in relation to a non-commercial agreement or to a small agreement.”

7 Further provision relating to statements (1) In section 78 of the 1974 Act (duty to give information to debtor under running-account credit agreement) after subsection

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Thank you for the reply Markir Mark , but does this apply to a credit card ? It says fixed sum ,which credit cards are not . Your spending and payments change monthly . So with out monthly statements , your lost .

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hi can anybody give me any info on this agreement it was a joint loan,there is apr but no interest rate,also this is supposed to be a true copy but the names have been tampered with too also there is no t+c`s with it this is all i was sent..

 

http://i246.photobucket.com/albums/gg101/daveym39/new2008147.jpg

 

http://i246.photobucket.com/albums/gg101/daveym39/new2008145.jpg

 

thanks.....

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The banks try and sell you identity cover, yet they are the ones who lose the credit agreement. I would have thought in the interests of sercurity they would keep proper records of customer accounts. In the media indentity theft is on increase.

another thing to be very very wary of is when they send you an updated credit card you will find it accompanied by a letter,this usually is to inform you of they have updated their credit terms buy disguising the fact they are saying firstly they have increased your dreti rating and what you can spend with the new credit terms they hope you will agree and when you use the card you have agreed to this new contract,i just read my wife new terms and cut her card up and sent it back all in little peices and also put in the envelope £1.00 along with the cca for the existing agreement,what a shock they got lol

patrickq1

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Just bumping this up my list of subscriptions, as similar actions next on my list of "to do's "

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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I would like to ask a question about CCA.

 

I need to find out if a credit check was carried out for a career development loan i took out in 2004. I know sometimes they were not carried out. Is there anyway of findin this out. I need real proof of this. was/wasnot carried out.

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Thank you for the reply Markir Mark , but does this apply to a credit card ? It says fixed sum ,which credit cards are not . Your spending and payments change monthly . So with out monthly statements , your lost .

 

 

I would have thought it applies to all contracts burden of proof?

 

Unfair Contract Terms Consumer Contracts Regulation 1999

 

(4) It shall be for any seller or supplier who claims that a term was individually negotiated to show that it was.

 

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I would like to ask a question about CCA.

 

I need to find out if a credit check was carried out for a career development loan i took out in 2004. I know sometimes they were not carried out. Is there anyway of findin this out. I need real proof of this. was/wasnot carried out.

 

Only apply for your credit report if you are NOT avoiding anyone

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Hello MM!

 

JonCris is absolutely right.

 

Take care, you must remember that the Credit Reference Agencies (CRA) are all part of the same loathsome Self-Serving Borg banking Backscratching Merry-Go-Round Circus that we all love to hate.

 

Some CRA's own Debt Collecting Agencies (DCA)...or at least that is what I understand to be the case. Either way, these people do not hold Data for our benefit. They hold it for their benefit, i.e. their financial gain, and to pass on any juicy bits to all of their banking Mates and Pals, who plug into this Data like the, er, um...like the Borg!

 

Having a bad Credit Report depends on how you look at it.

 

Someone with a shed load of Cards, a Mortgage, a few Loans, several bits and bobs on HP, but all Paid more or less on time, looks to most people as being the Report belonging to a poor sucker saddled with Debt. To the bankers, it's a Sitting Duck Target for more Finance, so that person will get a high rating.

 

It's very twisted.

 

Indeed, they ought to be called Debt Reference Agencies, as that would be more apt. They call it Credit, we call it Debt.

 

But many people have innocently requested a Credit (Debt) Report, only to find that a week or so later, a DCA pops up on the Scope chasing some long forgotten Debt (real or otherwise).

 

You can guess who logged the Name/Address details when the Report was requested and, when sent, they immediately popped those same details into their Borg Super Computer to see what else these details matched...and then proudly told their Mates over at the DCA.

 

Sadly, if you want Credit (Debt), then these Reports are an issue. So it's often necessary to find out what they say. But, if you don't want to Rock the Applecart, as it were, then think twice about Contacting a CRA...unless you are sure you have no old bones in the Cupboard they may be able to rattle out with some Database shaking!

 

Cheers,

BRW

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Hi

 

Can anyone help

 

I have sent several CCA requests but dont understnd what I do if they dont respond within 12 days? Then what do I do?

 

30days? What does this mean?

Continue to Cliam the Right!:-)

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Hi

 

Can anyone help

 

I have sent several CCA requests but dont understnd what I do if they dont respond within 12 days? Then what do I do?

 

30days? What does this mean?

 

Please give a little more information.

Who have you CCA'd and when?

Did you send it recorded delivery?

 

hsbcfiddled

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