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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.

      Frankly I don't think that is any accident.

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Hubby's potential Insolvency / bankruptcy


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Quick update: an insolvency practitioner has been appointed on behalf of the creditors, and will be sending someone round to value to the house regarding hubbys beneficial interest.

Please can someone clarify that the only money that is counted as beneficial interest is half of the equity i.e. the difference between the current market value, and all of the mortgage & associated costs? Then divided by two (half mine, half hubby's)

thanks

Red

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Quick update: an insolvency practitioner has been appointed on behalf of the creditors, and will be sending someone round to value to the house regarding hubbys beneficial interest.

Please can someone clarify that the only money that is counted as beneficial interest is half of the equity i.e. the difference between the current market value, and all of the mortgage & associated costs? Then divided by two (half mine, half hubby's)

thanks

Red

 

so long as you've not made a legal arrangement to state anything else then that would be the case.

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Oh no she said Im sorry its the Bank of Scotland not the Halifax, can I take your security details again.

Most certainly not I replied, as I dont know who you are you could be anybody after personal information and Im not prepared to divulge that to any tom dick of harry that happens to call. But it really is the BOS she replied.

 

 

 

She`ll be heading for either re-training or the sack then...

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Thanks secquenci, I take it that you mean if hubby and i had a separate personal agreement that either share of the equity is greater than the other (we don't, more is the pity at this stage!).

Does the original deposit come in to the equasion, I am 99.99% sure that it does not, but hubby thinks that the OR/IP can have a claim on that as well. (just to clarify that following a re-mortgage the original deposit was effectively lost)

thanks again Red

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It could in theory come into play if there was funny stuff going on, but in 99% of cases not.

 

I would, btw, be prepared to get your own valuation of the property if you are looking to buy out the Trustee's interest and don't agree with his valuation.

 

Always room for a bit of haggling!

 

I am surprised creditors have appointed an IP as trustee if there is only £5k of equity in the house as you said and no other assets.

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Hi Gingerhead, thanks as always for your replies (although you seem to only have ever sent one mail?? confused).

We were a little suprised about the appointment of an IP. We think that the main creditor applied to have one, as we have really p**** them off and I am still arguing with them over a number of matters (they are a high street bank) and I did get my own valuation done yesterday ;)

sadly it does seem that house prices in the area have held their own and there is more equity than we thought, say £20k, but that is joint, so its not all doom and gloom.

What are the reasons for the IP involving the original deposit? i.e. if the deposit was paid just by hubby as an example? Need to know what could be fired at me on this one, so all info greatly appreciated.

Thanks for the advice, and help

Red

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Red I wonder if they are trying to work out who paid the original deposit. If you had paid it (please let this be the case) then you would own proportionally more of the equity than him and it wouldn't be worth them respossessing. (It's all to do with trust law). Like say the house cost 50K and you paid a deposit of 10K out of your own money then you would own the house at a ratio of 30:20 - or 60% of the equity would be yours and 40% his.

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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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Hey Gold Lady, thank you for your thoughts...we have pondered this one!

If on the other hand, Hubby put the larger deposit down, would the IP be after more beneficial interest? And how would they know who paid what?

Red

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If its owned as a beneficial tenancy then it is assumed it is a 50/50 share, regardless of who paid deposit etc. Any different and you would have been tenants in common with shares divided in % agreed

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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.

 

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Josie8 that is an intersting and potentially very helpful comment.

What exactly would be the fundamental difference between beneficial tenancy and tenancy in common, i.e. how do I know for definite which one applies?!

Sorry if this is a basic question!!

Red

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beneficial tenancy is the more normal and the net result is whichever party dies their share automatically reverts to the other party, bypassing the estate etc. The law assumes that if beneficial tenants then 50/50 split.

 

Tenants in common = the two parties decide to state that their shares are seperate (and can be left to anybody else) and can determine the ratio i.e 20 % to 80%.

 

Just a word about secured debts - check that your husband was able to no longer be liable because I was under the impression that secured loans and child maintenance (for example) can not be wiped out by BR. In other words if secured loans are owned jointly creditors can come after you but also him when out of BR. If secured debts in his name alone then they could come after him at end of BR.

 

I may be wrong but it would do no harm for you to clarify the position with the OR.

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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If it wasn't in your favour you just wouldn't mention it, but if for example you had paid it then you could argue it. My OH had a £9000 grant towards buying our house and we were told we could use that to say he owned more equity (as I was contemplating bankruptcy at the time), however the grant was eventually put in our joint names because the mortgage lender insisted on it, so that argument went out of the window.

 

There is another issue - if you have paid the mortgage payments out of your earnings this could affect your share as well.

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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Thx again Josie8

In simple terms then, most mortgaged properties are beneficial tenancy therefore assuming a 50/50 equoty split.

If hubby and i were tennants in common, then there would be paperwork drafted by a solicitor to note otherwise....and would this be public knowledge?

No secured debts, but I am being chased by creditors for joint unsecured loans, but that is another story.!

Red

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I suspect the tenants in common thing could be errr back dated:p

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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Goldlady, again the mortgage payments are certainly an avenue for us to have a look at. Before hubby's BR the payments were made through a joint account (although I have been chief earner) and then since May through my sole account.

my concern is that the newly appointed IP for the creditors thinks that we have lots of equity, or more importantly that hubby has lots of equity. But on the other hand we have an IP too.

Just looking down all avenues at the moment!

Red

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Haha, that would be pushing it I think. They also need to value your house at forced sale value so I understand.

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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I suspect the tenants in common thing could be errr back dated:p

 

 

 

No it can't be as it has to be done formally and registered at the Land Registry and the OR has the power to revisit transactions for I think the previous three years if the OR considers its a manouvre to deprive creditors.

 

If you weren't aware that you are tenants in common then you most probably have a beneficial tenancy.

 

You can normally negotiate a 10 -15% discount off the official value of beneficial interest with the OR.

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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Josie8, again thank you for your time and help,

I have dug out the paperwork, and have the land registry entries. Just to clarify, would a "declaration of trust" appear on this entry? I cant find any reference on the land registry but then i am not fully conversant with the terminology!

thanks

Red

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sounds like you both own it beneficially. It would state as tenants in common.

 

As to the car issue,

 

Registered keeper does not prove ownership. If you have been making payments out of a joint account etc then you should be able to prove part ownership at least. In which case the 700 you've just paid out - the OR owes you half. Whose name was the insurance in? If your husbands were you named driver?

 

Had you had the car liveried in any way for your business? In what way is the car specific to your business - you mentioned cards etc being printed.

 

The more reasoned argument you put up the more likely the OR is to settle.

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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Just been reasearching on the net and found a useful site

http://www.questbrook.co.uk/trust.htm

as I need to establish for my own peace of mind what the land registry entry says!

What would be the reason for the OR (or in my case IP) to accept a reduction in the equity, forced sale price? I thought that they wanted as much as they can get!

Also think the car issue is resolved, in our favour due to my lengthy documented arguments!

Back to the house!!

Thanks all!

Red

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There is established case law where the other half is owned by the wife. I'll root it out for 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.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Most of the caselaw I know about involves houses that were owned by the husband only (from the bad old days:D) where the wife was able to claim part of the equity because she had contributed to the deposit/paid the mortgage etc, or even done major building work!! But it is worth arguing that your salary, if it was a lot more than his, paid a larger chunk of the mortgage and that you therefore have more of a claim on the house than 50%. I think like the car you can put up a fight - I certainly would.

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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Thank you Josie8 for helping out and doing some extra research for me, I really appreciate it!

Goldlady, I will certainly be fighting and chosing my arguments carefully! Your support is so wonderful. Should have some more news tomorrow! so thank you again (think I can now sleep tonight!)

Red

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