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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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CCA's and Dave against the world !!!


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Oh well dave maybe a rite of is not what you wanted but it will stop you having to pay them.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi all

 

just sent this to HFO in reply to their please contact us letter

 

HFO services

 

Dear Ms p*****

 

Thank you for your latest letter informing me of the huge savings to be made by contacting you and negotiating a discount on my alleged debt.

 

I have decided to save myself even more money by not paying you at all.

 

I have previously sent you a number of letters explaining my position, of which you seem to have read none. So I will put my final response below.

 

I don’t know how many times I have to say this………

 

I AM NOT PAYING YOUR COMPANY ANY MONEY AT ALL

 

NONE,…… ZILCH,…..NOTHING,….. ZERO,…..ZIP,….. NADA !!!!

 

I cannot believe that it will not sink in

 

Please do not write any more, unless it is to inform me of the court date.

 

Mr D firewalker

Edited by davefirewalker

** 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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Just been going over my lads bank account charges, which are being chased by crapquest

 

As a student he didnt really handle money very well at all....

 

but in a four month period they added £1800 in charges....??? no wonder he was depressed at the time...grrrrrrr

 

I'm now after them too

 

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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you back on the warpath again dave lol

the reason i am being stubborn and diggin my heals in with MORGAN STANLEY ,is i honestley beleived that the PPI insurance would clear the debt,i have a leaflet here 4 years old and it says it will clear debts upto 15000 then when they wrote to me in july last year they slipped in only pay 3% well with intrest at 29 % it would nt even pay for toilet paper so that is my main contention with them,liars i cannot stand and to cap it all they added another PPI when i began the claim ? this is not acceptable,i rang them at the time when they started charging the second PPI and they said it was in case i took ill on a different matter,how dumb am i i did not question it at the time,and during the PPI payment33 mths they defaulted me 3/4 times,so they can go to court i think any right minded person would see this as a complete farce and also trully deceptive of them...so i am sticking to my guns and as for the Muppets they keep offering the debt to ive had six different companies and this last one is about as stupid as they can get HFO ,what a nice company they are they keep ringing me now it is down to 3 times a day but i love it when they do i am really enjoying their calls ,so much that i kindly play some fantastic pink floyd for them i am sure they appreciate it cause they keep ringing up for more.

patrickq1

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Hi all

 

just sent this to HFO in reply to their please contact us letter

 

HFO services

 

Dear Ms [EDIT]

 

Thank you for your latest letter informing me of the huge savings to be made by contacting you and negotiating a discount on my alleged debt.

 

I have decided to save myself even more money by not paying you at all.

 

I have previously sent you a number of letters explaining my position, of which you seem to have read none. So I will put my final response below.

 

I don’t know how many times I have to say this………

 

I AM NOT PAYING YOUR COMPANY ANY MONEY AT ALL

 

NONE,…… ZILCH,…..NOTHING,….. ZERO,…..ZIP,….. NADA !!!!

 

I cannot believe that it will not sink in

 

Please do not write any more, unless it is to inform me of the court date.

 

Mr D firewalker

 

 

Say what you mean Dave. Dont waffle.

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Say what you mean Dave. Dont waffle.

 

I'm sorry....was I being a bit long winded....:)

 

muppets

 

 

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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"I have decided to save myself even more money by not paying you at all."

 

Oh Dave ... What a fantastic line.

 

Cheered me up no end ..... been away for some time with illness but picking up the fight again with my creditors very soon.

 

Onwards and Upwards.

 

Chalkitup

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"I have decided to save myself even more money by not paying you at all."

 

Oh Dave ... What a fantastic line.

 

Cheered me up no end ..... been away for some time with illness but picking up the fight again with my creditors very soon.

 

Onwards and Upwards.

 

Chalkitup

 

I try..... :)

 

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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May partner has just gave me a brilliant idea and l thought it was good enought for posting.

 

If they write to you again offering a discount or summing maybe what you should do is search for a online translator and see how may languages you can find that tells them

 

Go away.

I am not paying you.

or any variation of that you wish to use.

 

That should keep them busy for 5 minutes.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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May partner has just gave me a brilliant idea and l thought it was good enought for posting.

 

If they write to you again offering a discount or summing maybe what you should do is search for a online translator and see how may languages you can find that tells them

 

Go away.

I am not paying you.

or any variation of that you wish to use.

 

That should keep them busy for 5 minutes.

 

Chrissi

 

 

I somehow dont think they will write again........:)

 

on the other hand they are so stupid, that it might take a few attempts to get through to them.

 

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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Hi all

 

just sent this to HFO in reply to their please contact us letter

 

HFO services

 

Dear XXXX

 

Thank you for your latest letter informing me of the huge savings to be made by contacting you and negotiating a discount on my alleged debt.

 

I have decided to save myself even more money by not paying you at all.

 

I have previously sent you a number of letters explaining my position, of which you seem to have read none. So I will put my final response below.

 

I don’t know how many times I have to say this………

 

I AM NOT PAYING YOUR COMPANY ANY MONEY AT ALL

 

NONE,…… ZILCH,…..NOTHING,….. ZERO,…..ZIP,….. NADA !!!!

 

I cannot believe that it will not sink in

 

Please do not write any more, unless it is to inform me of the court date.

 

Mr D firewalker

 

LOL ;) I think the judge might have a hernia from laughing so much, if he sees that letter;)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I'm sorry....was I being a bit long winded....:)

 

muppets

 

 

Dave

Muppets is being to kind. Just a pity the Cagbot wont let us say what we really think of these W (think of what a boat drops to stop it from moving) S

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status 8 i.e. default is clearly stated by the cra as meaning the agreement has ended, for me this is causing some confusion, because if the agreement has ended means the agreement has been forceably ended in as much as it is defaulted and the creditor now intends to take some other action, notice of default or not? but the rules on taking that action also require a notice of some kind dont they?

 

sorry I know I have mentioned this before but how can an agreeement be deemed to be 'ended' and then 'ended' again some time later, isnt there some contradiction in the meaning or intention of this default scenario.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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this could be bigger than Wilson itself!!!!!

 

please give a great deal of consideration to the legal arguments and also i urge you to fully research this first before jumping in with both feet

 

Hi

I’ve seen quite a few comments about the Wilson v FCT case but nothing about the other Wilson cases that, to my mind, seem just as relevant to Dave’s case, if not more so.

In the Robertson case:-

Wilson v Robertsons (London) Ltd [2006] EWCA Civ 1088

She was trying it on (sorry – perhaps shouldn’t say that!) in the same way that she was in the previous pawnbrokers case:-

Wilson v Pawnbrokers [2005] EWCA Civ 147

She was trying to say that when she renewed each agreement, because they were unenforceable, that she should get the principal amount back for each renewal of the agreement. The court decided that this wasn’t right (big surprise). However, what is important is that it was held that there was no dispute that she was entitled to keep the principal amount of the loan, have her security returned and to have all the interest paid by her returned. There was no comment on return of payments she made towards the principal amount as she hadn’t made any, she was just paying off the interest.

The issue

15 Mrs Wilson claims that, on its true legal analysis, each renewal was a "novation", involving repayment of the original loan followed by the making of a new agreement for a loan of the same amount, secured by the redeposit of the same item.

 

16 The consequence, according to her argument, can be best seen from an example:

i) Mrs Wilson enters into agreement 1 under which she pawns the watch for £400, and receives a loan of £400.

ii) At the end of the period, she enters into agreement 2 under which the same item is stated to be pawned for the same £400 amount. She pays the interest due on agreement 1. No further money changes hands, but her liability to pay the sum of £400 is treated as a liability under agreement 2.

iii) This process is repeated with agreement 3 replacing agreement 2, and then agreement 4 replacing agreement 3. Again she pays interest due on each agreement, but no money changes hands in respect of principal, her liability being transferred to the new agreement.

17 At the end of this process, because the agreements were unenforceable under the Act, it is not in dispute that she is able to retain the £400 loan, to recover the watch, and to receive back all the interest payments actually made. However, in addition, she claims that she is entitled to payment (in this example) of a further sum of £1200 (£400 x 3), on the footing that, even though no new money changed hands, on a true legal analysis she had paid £400 to discharge each of the agreements. This, she argues, was "an amount received by the creditor… on realisation of the security…" within the meaning of section 106(d) of the Act, and therefore is repayable to her.

The interesting bit here is from p17:-

At the end of this process, because the agreements were unenforceable under the Act, it is not in dispute that she is able to retain the £400 loan, to recover the watch, and to receive back all the interest payments actually made

 

And also here from p3:-

3 Following that decision, the stay on the present proceedings was lifted in November 2003, and the case came for hearing on April 2005 before HH Judge Rose. His judgment in turn was subject to an appeal before Laddie J in June 2005. The combined effect of those decisions was that the agreements were held to be both defective and extortionate. There was no dispute that Mrs Wilson was entitled in principle not only to retain the amount of the loans to her, but also to return of the pawned goods, and to repayment of interest previously paid by her.

I hope that this is of some help.

Regards

Nicklea

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Thanks for that Nick....

 

I was aware of the cases mentioned and have done a LOT of research into this......

 

Just waiting on some last minute developments and some advice then its full steam ahead.........

 

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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Dave,

 

Sorry if I'm teaching my grandmother to suck eggs. I'd be interested to hear how things go with you. In my case, I'm looking to use this as part of a counterclaim that I'm putting together against Goldfish.

 

Regards

 

nick

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Dave,

 

Sorry if I'm teaching my grandmother to suck eggs. I'd be interested to hear how things go with you. In my case, I'm looking to use this as part of a counterclaim that I'm putting together against Goldfish.

 

Regards

 

nick

 

No probs matey...

 

I always keep this thread updated.....as much as i can

 

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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"Failure of a Default or Termination Notice to be accurate not only invalidates the Default or Termination Notice (Woodchester Lease Management Services Ltd v Swain & Co - [1998] All ER (D) 339) but is an unlawful rescission of contract which would not only prevent the Court enforcing any alleged debt, but give the Claimant a claim for damages. (Kpohraror v Woolwich Building Society [1996] 4 All ER 119)"

 

Dave, can you explain this part you have included please?

 

Where in Kpohraror does it say that unlawful rescission of contract prevents a court from enforcing an alleged debt?

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"Failure of a Default or Termination Notice to be accurate not only invalidates the Default or Termination Notice (Woodchester Lease Management Services Ltd v Swain & Co - [1998] All ER (D) 339) but is an unlawful rescission of contract which would not only prevent the Court enforcing any alleged debt, but give the Claimant a claim for damages. (Kpohraror v Woolwich Building Society [1996] 4 All ER 119)"

 

Dave, can you explain this part you have included please?

 

Where in Kpohraror does it say that unlawful rescission of contract prevents a court from enforcing an alleged debt?

 

Dave originally got this from me and I originally got it from tomterm8.

 

I think there should be a reference to Wilson -v- FCT somewhere in there, which is the way I'm playing it, after "prevent the Court enforcing any alleged debt".

 

Kpohraror is the authority for the counterclaim to the value of £1k in substantial damages, without having to show special damages.

 

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Dave originally got this from me and I originally got it from tomterm8.

 

I think there should be a reference to Wilson -v- FCT somewhere in there, which is the way I'm playing it, after "prevent the Court enforcing any alleged debt".

 

Kpohraror is the authority for the counterclaim to the value of £1k in substantial damages, without having to show special damages.

 

Ah right, but we need to clarify this. If asked by a judge how this conclusion is reached, we can't just say 'I got it from a mate who got it from another mate' :D

 

I agree that some further reference to Wilson would be appropriate. There is a clear precedent for the £1,000 damages but if the amount owed is substantially more, and the creditor can still enforce it, then the £1,000 is of limited benefit.

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Hi Ian

 

The debts ARE unenforceable....No prescribed terms at all.....one doesnt even have a creditors name and address. so no problems there...:)

 

 

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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Ah right, but we need to clarify this. If asked by a judge how this conclusion is reached, we can't just say 'I got it from a mate who got it from another mate' :D

 

I agree that some further reference to Wilson would be appropriate. There is a clear precedent for the £1,000 damages but if the amount owed is substantially more, and the creditor can still enforce it, then the £1,000 is of limited benefit.

 

No, I wouldn't say that neither. ;)

 

I would say "the Creditor hasn't followed the prescribed process under the Act and Regulations and should lose the possibility of further enforcement under the agreement as a financial penalty, in line with the Woodchester and Wilson Judgments".

 

Might be just an opinion, but it has to be pursuasive argument at least. (If not binding!)

 

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I'm thinking that if a default and then a termination notice is inaccurate and invalid, then we could argue that a further default notice (corrected) cannot be issued as the agreement is no longer in force. This is the creditors own fault as they have acted unlawfully.

 

If they cannot then follow the correct procedure, then they can't take the next step in issuing court proceedings.

 

Just thinking out loud really, is there any merit in this?

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