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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.   
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CCA to Lloyds tsb Visa


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Hi. I sent a CCA request to Lloyds Tsb regarding a Visa account last week (16th May). Today I received my cheque back, no covering letter, just on its own.

 

Does this possibly mean they will not be able to supply an agreement?

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Guest Mincemeat

Excellent news. Now make sure they remove any adverse information they may well have posted with a CRA and you're home free

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No, it probably means that they don't want the £1, but that's their choice.

 

They can't ignore the CCA request though and the prescribed timelines still apply. Presuming you sent by rec/del and they've signed for it keep all your paperwork in order and sit back and wait.

 

Good luck, regards, Dave.

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When I sent a CCA request to LTSB via BLS collections (in house DC's), I got my £1 back too but with a covering letter stating that they don't keep agreements longer than 6 years.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68852-ltsb-no-agreement-cca.html

 

The trail's gone a bit cold on this now, they're just ignoring me (& i'm letting them!).

 

Regards, Dave.

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One of my TSB debts was taken out in 2001, just cant seem to remember what month.

If I can hang on a little longer, I might get lucky unless they have got wise and started keeping them longer now after getting stung by members of sites such as CAG.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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  • 1 month later...

Hi. I sent a request to Lloyds TSB in regards to a Credit Card for SAR back in mid April, 40 days passed and nothing received. I also sent a request for a CCA for which they sent me an application form. This defaulted on 5th June. I have since sent an LBA for my SAR and they have just sent a letter saying we are looking into you complaint.

 

So we are way over the time limit for an SAR and soon they will have committed an offence. Problem is, they wrote telling me if I dont pay them they will help themselves to my bank account.

 

 

Are they able to do this under the circumstances stated above?

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When was the letter dated advising they were going to help themselves to your bank account?

 

Dont ignore this, you have to open a 'safe' account ASAP and change any salary or benefit details so it is paid into this new account. If you cannot do this immediately you need to send the bank a letter of appropriation ASAP highlighting that the money in or coming into to your account is to be used for priority bills / debts only (you will find a template letter on the site). This will stop them from helping themselves but it is possible they will close your account down.

 

As for the SAR you need to report them to the information commissioner for non compliance to your request.

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TSB did this to me a few years ago catapulting me into the situation I am in now.

They will do it.

Open another account today.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Spot on Yaffsimone & Belaflat - new account is the immediate priority. If you have a poor credit history or you aren't weanting to be credit checked for whatever reason then just make sure you ask for a basic bank account as you shouldn't need to be credit checked as they don't offer an overdraft ( they will need proof of ID and may check that you are not an undischarged bankrupt ).

 

If you are looking to exercise your first right of appropriation in the meantime you need to do this at least 7 days before funds are due to be paid in. I advise you hand the letter in at a branch, get a receipt and ask for it to be read there & then.

 

If they are not complying with SAR then you could go route of complaining via Information Commissioner:

 

Information Commissioner's Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

 

Tel: 01625 545745

Fax: 01625 524510

E-mail: [email protected]

Website: www.informationcommissioner.gov.uk

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  • 4 weeks later...

Story so far:- Re: LLoyds TSB credit card

Wrote to Lloyds Tsb in April requesting SAR, 40 days up 30th May

Wrote requesting CCA in May - 12+30 days up 5th July.

 

I have proof of receipt for both of my requests.

 

I have received an application form + t&c's only. I have sent reminders and the last letter I received from them was dated 12th July saying they would resolve the outcome of my complaint within 2 weeks. They are way past all relevant time limits and to top it off they are dipping into my bank account for the minimum payment each month despite everything!

 

What do I do now? Any advice would be appreciated.

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The first thing to do is change your bank account so they can't dip into it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Move banks to a safe account ie a bank you have no debt with - LTSB are exercising their first right of offset against your account.

 

Once they are past relevant time periods you can approach trading standards to take these up on your behalf as potentially criminal offences have been committed

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I have moved my account so they can nolonger help themselves!!

 

I also sent them a letter requesting all monie sto be repaid to the account for failing to produce a SAR (April 2007), nothing received and for failing to produce a credit agreement (May 2007), alls they have sent me is an application form with T&C's.

 

Today I received a letter stating that as far as they are concerned, the application form is the agreement (they have actually said that) and that I signed to accept the terms and conditions and have enclosed a copy and will continue to take money in accordance with these.

 

They say that I made a verbal request for my last 2 years statements. I made no such request, I made a full request for a SAR. They then say please allow 28 days for them to be delivered!!! Can you believe it??!!

 

Well they can't help themselves to my money anymore and I shall not be paying them. I think I will also CCA them for my overdraft now.

 

Where do I go from here? Is there anyway I can issue legal proceedings? This is a complete joke!

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What address did you use please for the Credit Card. My daughter has had terrible harassment from them even up to 4.30 pm on Sunday. Today I've sent them a 3rd Harassment letter and copied in OFT, FOS, FSA and TS. I am now going to CCA them so if you could give me the best address to write to this would be appreciated.

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  • 3 weeks later...

I CCA'd BLS for an old account with LLoyds TSB.

 

 

They are way past the criminal offence stage but keep asking for money despite this.

 

 

I have now reveived a letter advising that they do not have an agreement for this,

they nolonger have any statements due to the age of the account

but as I have been paying it for the past how many years this is an admission

that I owe the money and please resume payments.

 

Can someone advise on how to respond please?

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Stop mucking around with BLS they'll just run you around in circles.

 

Go down the formal complaint route with LTSB, this will also give you the option of approaching the FOS later on if need be.

 

Service Recovery Centre, Lloyds TSB, 125 Colmore Row, Birmingham B3 3SF.

 

Lloyds TSB - Complaints procedure

 

Good luck, Dave.

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Good advice there Madh21. . . that is the best option.

 

Uk

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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