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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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    • 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.

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      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

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


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Wanda,

 

No chance, the thrust of this process involves the creditor proving the debt that they are chasing you for (or rather not if they cannot come up with the agreement in the correct format), I can't see any Court allowing a creditor to go back to an agreement/debt that they settled.

 

Greater legal brains than mine (only a law student!) may disagree.

 

Charlie

Charlie

 

Won so far....

Lloyds Bank - £8500

Lloyds Mastercard - £800

Egg - £1500

Cahoot - £1500

HFC - £180

GE Money - £600

Midshires - £1100

Friends, family & neighbours I've helped - £5000+!!

 

Currently working on...

 

Charges:

Lloyds (again) £2200

CCA:

Lloyds (yawn) & Egg

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Can anyone tell me if the CCA process can be followed for debts that have been paid off. I have three loans 2002 - £1700 2002 - £3500 and 2004 - £10000, all since cleared but I was wondering whether you can use this process retrospectively

 

Thanks

 

No, as there needs to be an outstanding balance to make a CCA request under CCA 1974, but you can use a DPA SAR to request everything relating to the accounts and then challenge any Defaults recorded as a result of that.

 

:-D

 

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I have a debt of 14K, 7 years old with hsbc, gone to a debt collection company to which i pay £1-00pm. The debt was part overdraft and part loan, and is now seen as one account by the DC instead of the two origional accounts. Does the cca route still apply ?

 

YES.....cca them.

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  • 3 weeks later...

Happy 2009 to me I have just heard that the company acting on behalf of myself with regards to my CCA's has just wiped off a £14,000 Barclaycard Loan as they have lost the agreement - Happy Days.

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Happy 2009 to me I have just heard that the company acting on behalf of myself with regards to my CCA's has just wiped off a £14,000 Barclaycard Loan as they have lost the agreement - Happy Days.

 

 

How much are they charging you?

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

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court bundles for dummies

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Will they take cases on a no win no fee basis if we already know we have unenforceable agreeements, or do they they insist on the £99 fee first?

 

Only a Court can declare an agreement unenforceable.

 

They are offering opinions for £99 which may be wrong.

 

At least if you pay a Solicitor £99 you have some recourse should the advice be flawed.

 

I doubt these companies are sufficiently legally insured to cover such cases.

 

I did notice that one of these companies - who can't be named as it would be a commercial advert and against the forum rules - was advertising itself as being regulated by the Ministry of Justice for "claim management"...

 

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Ah, I see what you mean Car - I assumed that a solicitor would be involved with these companies.

 

Have absolutely no intention of paying them £99 for their opinion;) I was just intrigued by their no win no fee offer and the fact that they managed to get 14k written off for Rubio

 

I'm willing to see it through to the bitter end, just worried about the judge lottery.

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Only a Court can declare an agreement unenforceable.

 

They are offering opinions for £99 which may be wrong.

 

At least if you pay a Solicitor £99 you have some recourse should the advice be flawed.

 

I doubt these companies are sufficiently legally insured to cover such cases.

 

I did notice that one of these companies - who can't be named as it would be a commercial advert and against the forum rules - was advertising itself as being regulated by the Ministry of Justice for "claim management"...

 

It was a firm of solicitors I used.

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Danger Will Robinson!

 

 

Cheers,

BRW

 

 

Was just thinking that ..............................:eek:

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You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Oh #'*!:( Thanks for warning me, BRW and Josie. Sounded too good to be true, I guess.

 

Is it just a con then? I was always surprised that more solicitors didn't handle these CCA claims on a no win no fee basis - I should think they could make a mint (no pun intended), out of all the improperly executed agreements; more so than personal injury.

Edited by underdog13
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Ive looked at a few companies they usually say the same "

. Do you have a panel of experienced solicitors that you use?

A. Yes, we use a firm of Solicitors who will act on your behalf on a no win no fee basis; any costs will be covered within our terms. "

 

However i agree with Car you can do the work yourself and use CAG the only advantage I see is that a company or debt collection firm may take more notice of a letter from a solicitor rather than a person saying the same thing , should be the same outcome but it doesnt always work that way ..... CAG does wonderful work has great forums to help and great people on it too who know a lot more than me and probably more than some firms of solicitors !!!!

Regards Gaz

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My thoughts exactly, Gaz. Know the arguments and would not be frightened to put them forward, but very concerned about the judge lottery and thought a letter from a solicitor would bear more weight with the creds.

 

CAG certainly does do wonderful work - think I would have had a nervous breakdown without it - and I'm sure that the solicitors we have helping us on here are better than those we can hire from these no win no fee firms. Just so worried that most judges seem to side with the creds and in some cases won't even listen to LIPs.....

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My thoughts exactly, Gaz. Know the arguments and would not be frightened to put them forward, but very concerned about the judge lottery and thought a letter from a solicitor would bear more weight with the creds.

 

CAG certainly does do wonderful work - think I would have had a nervous breakdown without it - and I'm sure that the solicitors we have helping us on here are better than those we can hire from these no win no fee firms. Just so worried that most judges seem to side with the creds and in some cases won't even listen to LIPs.....

 

Hello,

 

I am very pleased that BRW has brought this miraculous debt write off to your attention. I had already picked up on this. If somebody who is new to the forum with just two posts, one on this thread and the same post on the credit agreement mammoth thread, with no history of anything, you have to think;) and he had nearly reeled you in:eek:. Always check out their previous posts and threads, it can give you a feeling as to their cred

 

I am of the opinion, that you will be more successful if you do it yourself, because you have a passion about it. You just have to have sure you do your homework, cover all bases and have a watertight case. Stick with cag and you'll do fine.

 

There is no up front fee and you are only asked to consider a donation if you are successful:grin:

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If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I am of the opinion, that you will be more successful if you do it yourself, because you have a passion about it. You just have to have sure you do your homework, cover all bases and have a watertight case. Stick with cag and you'll do fine.:grin:

 

 

Yeah, people who are paid to fight will crumble under pressure. People with a reason to fight will fight to the death, LOL

 

I like that!

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Thanks HHNF, NP and Gaz.

 

You all make valid points, and boy do I feel stupid for almost being caught! I was at a low point yesterday; you know how it is, somedays all the doubts start crowding in. I'm just so worried about the judge lottery and losing my home. It wouldn't be so bad if I lived alone, but I have family relying on me.

 

Given myself a mental slap and got my fight back this morning:)

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Yeah, people who are paid to fight will crumble under pressure. People with a reason to fight will fight to the death, LOL

 

I like that!

 

 

Don't you believe it Lawyers want to win too. In fact as it will enhance their reputation they may want it more than you.

 

Having said that I do agree with much of what has been said that we should be very careful about using such services.

 

However lets not throw the baby out with the bathwater much better to check their bona fides before making judgement & if anyone cares to give me their details I'll do just that

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Don't feel bad Underdog13. Remember we are at War with the Banks and Financial Institutions, and you will get Mercenaries offering to fight along side you for a fee. Nearly all run off and hide when the court case suddenly comes into play, and they leave you hanging.

 

We are monitoring, along with the regular users of this site, every post made. As you can see Joncris has posted. We have been watching this thread since this morning looking out for you. :)

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WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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