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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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    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Help again please with 1st credit


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Hi babybear,

been reading your thread for sometime now.

 

The best thing is your still here, and helping so many people with your threads and the way life is treating you.....Thank you, for making so many people feel they are alone.

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Babybear, I suspect that after the shock of bankruptcy, you can start to feel a real sence of hope. You've got an entire new chance, and sooner than you know it you'll be a discharged bankrupt.

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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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Thank you all for your very much needed support, help and kind words of encouragement :)

 

I wouldn't be here now if I hadn't found CAG.

 

The DCAs made me feel so ashamed, helpless, almost criminal to be honest...

 

I'd had a very good paying job before all this happened, but we never know when bad luck/ill health/permanent disabilities will strike us. If I'd known that, I certainly wouldn't have got myself in the mess I ended up in :(

 

Bo, no-one gets anything, I have nothing...

 

I'm still getting letters from SC&M re: the CCJ even though the OR has contacted them (had a very interesting conversation with them yesterday ) Here's the link to my short thread on them http://www.consumeractiongroup.co.uk/forum/general-debt/103568-ltsb-ccj.html...And also cabot chasing an alledged debt included in the bankruptcy...

 

The transcript of the conversation with SC&M will be passed to OR ASAP along with their letter and the one from cabot.

 

You're right tom, the intial proceedings were very daunting but I had a very understanding judge, court staff and my support worker who all helped make the process as painless as it could be...

 

For anyone in a similar position, contact CCCS who helped me get my bankruptcy costs from the charitable organisation of a former employer. Numerous DCAs said I couldn't go bankrupt as I didn't have the money to petition, and one particular nasty guy gloated over this and made me cry. That's when I phoned CCCS again and asked if there was any way I could get help with the costs. They asked my who my former employers were, gave me links to sites and even supplied a letter recommending the bankruptcy.

 

I was prepared to pay any enforceable debt, but they made my life such a misery I felt I had no other choice.

 

At least now I can get on with my studies and look forward to a new and exciting career :)

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Thanks Cas :)

 

I'm studying for my BA Journalism...Might do a nice feature on this bunch of *****, including all the other lovely DCAs I've had to put up with so they don't feel left out ;)

 

That's the spirit! You'll never be short of people to base stories of financial nightmares on anyway! :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi Babybear

 

I found this site, and your thread, by accident when I did a Yahoo search for 1st Credit. Bless you all - you are an inspiration and a shining example of mutual help and support. We act for our son who is abroad; this isn't our debt and 1st Credit have so far failed to convince us our son owes anything, so we can be a little more detached about it than most. Even so, let's say I am not impressed with 1st Credit's interpretation of the law.

 

[BTW I see that the director of 1st Credit has been elected CSA President. Nice long spiel about integrity, etc. When I have sorted out our problem I hope to write to him personally congratulating him on his appointment and asking if he is aware of what is going on in his own back yard. Maybe he knows already, judging from your correspondence about 1st Credit checking up on this site.]

It was an inspiration to read your story - talk about empowerment!

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Welcome to the forum, Gussie.

 

If you have anything you need help with, please feel free to post a new thread on http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/ .

 

for example, if there is some doubt as to his owing money, you might consider S.A.R. ing the original creditor.

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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A S.A.R. is a request under the Data protection act 1998 to recieve all data held about you by an organisation. It normally costs £10.

 

A very simple letter sent to the Data Controller of the organisation such as:

 

Your Address

Accounts No:XXXX, XXXXX

 

Dear Sir or Madam,

 

Please send me all personal data to which I am entitled under the Data protection act 1998. i enclose payment of £10.

 

My previous address was XXXXX.

 

I enclose a copy of driving license / council tax bill / utility bill as proof of identity.

 

Yours faithfully,

 

XXXX.

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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For anyone in a similar position, contact CCCS who helped me get my bankruptcy costs from the charitable organisation of a former employer.

There are also a number of utility trusts who will help you with the costs of paying for self bankruptcy, often paying the full cost.

 

Enjoy your studies BB and best wishes for your new career :)

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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  • 1 month later...

Hi,

As you know i am having problems with 1st credit too,but whats confusing me is whether they will have a CCA for the debt they are chasing me for,they must have bought it off citifinancial so is obvious they were sent the CCa,this is new to me ,

 

Should i write and ask them for one and will it halt them in their tracks concerning their threat for a charging order on my property do you think ?

 

thanks

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Hi,

As you know i am having problems with 1st credit too,but whats confusing me is whether they will have a CCA for the debt they are chasing me for,they must have bought it off citifinancial so is obvious they were sent the CCa,this is new to me ,

 

Should i write and ask them for one and will it halt them in their tracks concerning their threat for a charging order on my property do you think ?

 

thanks

Hi HMD,

No, it doesn't work like that. There's a brilliant thread by OnTheBrink on the 'General Debt' sub-forum here (Inside a DCA!), which explains it much more but no, I very much doubt they'll have the CCA. They're very unpleasant gamblers, they take a chance on 'debts' they buy. Most people haven't heard of CCA requests or their legal rights, and that's what DCAs gamble on. When you request a CCA you put the account into dispute. I think anyone who has dealings with 1st Credit should always CCA them straight away - they shouldn't be underestimated, but they rarely have the required documents. The only thing you can do is ask, wait and see. They might have a letter of assignment, but that's not a CCA :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Hi howmuchdebt,

 

You must put this debt in dispute ASAP as long as you're not comfortable with the way in which 1st credit are handling it.

 

Whilst the alledged debt is in dispute they CANNOT apply for a charging order.

 

To do this you need to write recorded requesting a true copy of the properly executed consumer credit agreement - CCA. Here's the letter you need:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

YOUR ADDRESS

DATE

 

 

THEIR ADDRESS

 

Dear Sir/Madam

 

Re:− Account/Reference Number XXXXXXX

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment is NOT to be paid used for any other purpose.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

Amend to suit and send with your £1 payment in postal order form keeping a record of all to track, trace and ensure things are cashed, recieved etc...

God luck, best wishes and a very Happy Easter :)

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Hi howmuchdebt,

 

You must put this debt in dispute ASAP as long as you're not comfortable with the way in which 1st credit are handling it.

 

Whilst the alledged debt is in dispute they CANNOT apply for a charging order.

 

To do this you need to write recorded requesting a true copy of the properly executed consumer credit agreement - CCA. Here's the letter you need:

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

 

 

YOUR ADDRESS

 

 

 

 

 

DATE

 

 

 

 

 

 

THEIR ADDRESS

 

Dear Sir/Madam

 

Re:− Account/Reference Number XXXXXXX

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment is NOT to be paid used for any other purpose.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

Amend to suit and send with your £1 payment in postal order form keeping a record of all to track, trace and ensure things are cashed, recieved etc...

God luck, best wishes and a very Happy Easter :)

Hi thanks for this info.

the thing is though we are paying £9.61 per month through payplan and sent them a toaken payment In January with a signed letter from myslef and hubbie,so we are ackowledging the debt arnt we ?

 

I hope we can still dispute it as its playing on my mind all the time and making me feel quite ill at times :(

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We were paying Citi through Payplan too. They sold the debt to 1st Credit, hubby phoned to get the new details for Payplan and was kept on the phone for at leasrt 5 minutes by a woman who wouldn't stop, threatening bankruptcy, telling him to sell house etc. We sent the CCA request, they wrote back growling they'd request it, we waited the 12 + 1 month and wrote a bog off letter from here (CAG). They bogged off! They want to make you feel ill. CAG gives you muscles! :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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We were paying Citi through Payplan too. They sold the debt to 1st Credit, hubby phoned to get the new details for Payplan and was kept on the phone for at leasrt 5 minutes by a woman who wouldn't stop, threatening bankruptcy, telling him to sell house etc. We sent the CCA request, they wrote back growling they'd request it, we waited the 12 + 1 month and wrote a bog off letter from here (CAG). They bogged off! They want to make you feel ill. CAG gives you muscles! :)

Hi Thanks this is really interesting i never even thought of anything like this until reading this forum,

 

We are sending a letter today i have a stamp and its going in the post first thing ,

 

Happy Easter to you :) even though there is about 2-3 inches of snow outside :o

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Hi howmuchdebt,

 

You MUST send the CCA request by RECORDED delivery or SPECIAL delivery which means that the request must be signed for and you will have confirmation that they got your letter.

 

:)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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