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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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CCA's and Dave against the world !!!


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Thanks for all the good wishes guys.....Its not that bad ....yet, and i'm working on it. If I had Help48xxx's problems, I dont know what I'd be like.

 

onward and upward

 

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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Just to keep me occupied, time now to turn the screws on Morgan stanley / goldfish......

 

its been a while since I refused their offer of £800 (for charges) they wanted me to sign a confidentiallity clause and not to be mean to them EVER again.

 

Well I wasnt having that, so I refused. I did say that I would accept the £800 if they sent it with no conditions attached, and as Dianna Ross sang " I'm Still waiting".

 

So I dont have too much to do tomorrow, might just get up to the courts and file.

 

I need to get this out of the way then I can badger them for the big one....the return of interest wrongly paid and compound on that

 

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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Thanks for all the good wishes guys.....Its not that bad ....yet, and i'm working on it. If I had Help48xxx's problems, I dont know what I'd be like.

 

onward and upward

 

Dave

 

 

HANG ON ....... you have stolen my Onwards and Upwards !!!

Court Action may be taken unless you send me three billion quid by tomorrow

Legally Binding even if not read by you.

 

:lol:

 

Onwards and Upwards

 

Chalkitup

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Sorry chalky....

 

but no copyright infringement exists....I used the phrase onward and upward......no plurals.

 

If however you you wish to try your luck could you please forward any copyright registrations and any patent registrations to me

 

:):D:)

 

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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Sorry chalky....

 

but no copyright infringement exists....I used the phrase onward and upward......no plurals.

 

If however you you wish to try your luck could you please forward any copyright registrations and any patent registrations to me

 

:):D:)

 

Dave

 

Paperwork??? What is that???

I have assigned your debt of three billion quid to a nasty company. They will be in touch soon to harrass and threaten you with legal proceedings.

Failing that our local collector will call on you.

 

:D:lol:

 

Onwards and Upwards

 

Chalkitup

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in that case....i'll treat you with the same respect as I show all those that threaten me....batten down the hatches........whooooosh (s.a.m. being fired) followed by sh*tload of flak.

 

any callers Will be dealt with (severely) there are more guns per capita in merseyside than almost anywhere else !! (ouch...think I'll move)

 

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

 

i have sent for cca's on several of my accounts.....can anyone actually tell me if they have had a debt written off or if they have gone to court and won?

also has anyone had success with an egg card which was applied for over the internet and if so how they handled it.

 

many thanks

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Goldfish have sent, in response to my cca request, the original application form and todays t & c's. How should I respond anyone??

 

Does the "Application form" contain the prescribed terms ?

 

If not send them a letter and say that they havent complied with S78 in that the T&C supplied were not the original ones. Without the original ones they cannot say for certain if they had the right to vary them or to charge interest

 

They will write some BullS**t back saying they have complied and mention S7 of the copies of documents regulations. This is quite easy to counter.

 

you are on step 2 of about 12....... go through the motions, tell them they havent complied. in the meantime I'll look up some regs and a letter for you.

 

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

 

i have sent for cca's on several of my accounts.....can anyone actually tell me if they have had a debt written off or if they have gone to court and won?

also has anyone had success with an egg card which was applied for over the internet and if so how they handled it.

 

many thanks

 

If you read back a page or so........barclays have just offered to write off £3.5k which I of course refused :)

 

there are quite a few egg threads and I would suggest you try to find one, and ask your questions there, as egg tend to be a law unto themselves

 

try typing egg into the search box and see what comes up

 

 

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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Guest dvdriley

sorry forgot to add, no mention of any credit limit. Its basically a pre approved application, sign if you want to be bound by its terms

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thanks dave....i think what you are doing is fantastic and i have been in a real mess financially and not had any help from my creditors. I found this thread and its been inspirational to the point where i feel i may get a life again xxxx

 

If i have any questions i hope you dont mind me asking you....there is that much info on here its mind blowing lol

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thanks dave....i think what you are doing is fantastic and i have been in a real mess financially and not had any help from my creditors. I found this thread and its been inspirational to the point where i feel i may get a life again xxxx

 

If i have any questions i hope you dont mind me asking you....there is that much info on here its mind blowing lol

 

If I can Help I will :)......

 

in fact this thread is visited by quite a few knowledgeable people.....I'm sure we can all help each other.

 

Best to start your own thread and leave a link here or on the other "large" cca thread, we'll pop along and see what we can do

 

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 again......just wanted to know when i get my stuff back i know what to look for and if it does not comply, is there a quick way to get them to settle that you now know of?

 

Hahahahahah........(sorry)

 

Nope...they tend to take it to the wire.......some even turn up at court.

 

Its not really a problem if you know that you will win in the end.......its just a bit lengthy and a right pain in the a**

 

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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sorry forgot to add, no mention of any credit limit. Its basically a pre approved application, sign if you want to be bound by its terms

 

To be able to pass any sort of judgement I'd need to see it.

 

Best thing....start your own thread.....upload the images to "Photobucket" or similar and then put a link here and I'll pop over and have a look

 

There are certain decisions that can ONLY be made after "seeing" the docs

 

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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ok, but i started my own thread and got no replies!!!!!

 

Post a link here then......and on the main cca discussion. If I dont know where it is I cant pass any comments.....

 

I'll have a look now to see if I can find it

 

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 dave...just wanted a bit of help ...i dont seem to be able to start a new thread, i have no icon on my screen saying new thread. can you assist?

 

Hello katie3105,

 

I think Dave is having a snooze:lol:

 

Try this link .... then left hand side near top is new thread icon.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/

 

 

Onwards and Upwards

 

Chalkitup

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Hello katie3105,

 

I think Dave is having a snooze:lol:

 

Try this link .... then left hand side near top is new thread icon.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/

 

 

Onwards and Upwards

 

Chalkitup

 

Yawnnnn...hmmm whats happening :)

 

just had a bit of running around to do...then someone gave me a bottle of Merlot as payment for a favour........ yes I succumbed...:)

 

anyway it seems as though chalky has sorted you (cheers buddy)

 

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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Morning Dave.... r u up yet

 

course I am....:)

 

cant stop though....got some work to do

 

catch you later

 

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 dvd, same as my OH got so try this:-

Thank you for your letter dated xxxx

It would seem that you are of the belief that you have discharged your obligations under the Consumer Credit Act 1974 in particular section 78(1).

You have provided me with a copy of an application form and I feel it is my duty to draw your attention to some serious flaws in your comments.

Firstly to comply with section 61 of the Consumer Credit Act 1974 which by the way refers to the signing of an agreement (not an application) a document must conform to regulations made under the provisions of section 60(1) Consumer Credit Act 1974 otherwise it cannot be properly executed.

The regulations I refer to are the Copnsumer Credit (Agreements)Regulations 1983 (S1 1983/1553) These regulations set out the form and content of agreements. For an agreement to be compliant with the regulations it MUST embody within the agreement, the prescribed terms laid out in the S1 1983/1553; without the prescribed terms the agreement does not conform to section 60(1)1974 and therefore cannot be properly exuted as described in section 61(1) Consumer Credit Act 1974.

For your information in case you are unsure the prescribed terms referred to are contained in schedule 6 column 2 of the Consumer Credit (Agreements)Regulations 1983/15532 are inter inter alia:- A term stating the rate of any interest on the credit to be provided under the agreement and A term staing how the debtor is to discharge his obligations under the agreement to make the repayments which may be expressed by reference to a combination of any of the following:-

(a) Number of repayments

(b) Amount of repayments

© Frequency and timing of repayments

(d) Dates of repyaments

(e) The manner in which any of the above may be determined or in any other way and any power of the creditor to vary what is payable.

Now, nowhere on the application form that you supplied is there any reference to these terms. I wish to remind you that the absence of these terms will render a document unenforceable in court and I also wish to point out that these terms MUST be contained within the agreement and NOT in a separate document headed terms and conditions or words to that effect.

Since the document you have supplied is a clear mailer application form, I cannot believe for one moment that these very important terms would be contained on the opposite side of the form unless they are there for the postman to read whilst he delivers the mail. Therefore they must have been contained in a separate doccument which is prohibited by the S1 1983/1553 as there is no clear link to them within the signature document.

Therefore you have failed to supply an enforceable document which is correctly executed as to be so, it must conform to the Regulations under s60 Consumer Credit Act 1974.

I am of the opinion that a court is precluded from enforcing this agreement by s127(3) Consumer Credit Act 1974 as it is improperly exuted under s61 CCA 74 the consequences of improper execution are set out in section 65 of the Consumer Credit Act 1974 and s65 sets out that only a court can enforce an improperly executed agreement subject to certain qualifications on of those is that the document is signed and contains all the prescribed terms. Now since this document does not contain all the prescribed terms s127(3) CCA 1974 strictly prevents the court from enforcing this agreement.

If you cannot supply me with a document which complies with the CCA 1974 and ALL of the Regulations made under the Act, I shall be forced to make a complaint to TS and I will also draw this to the attention of the OFT.

I respectfully request you review this matter in light of my comments above and I request that you supply me with the required information or alternatively confirm the account is closed and the debt written off with a zero.

I respectfully request a reply within 14 days of the date of this letter.

Obviously put paragraphs in and where I have abbreviated put the full thing. Good Luck:-)

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