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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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    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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capitalising on capital one


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Do you think that you should be able to abuse credit and financial agreements and there not be any repercussions?

 

.

 

 

Do YOU think financial institutions and the scummy DCAs they employ should be permitted to flagrantly break the law in the manner they approach people who whatever reason fall into debt.

 

I am so happy for you for living in a Utopia where everything in your garden is rosy.

 

Most people on here never intended getting into financial difficulties. However life changing events such as illness, loss of employment and marriage breakdown have all had their toll and forced people into difficulties. Most banks and Credit Card companies DO NOT (contrary to the propoganda line you are peddling) do not care and within several weeks pass the debt on to some DCA who immeadiatly DEMAND payment followed by threats of all sorts of illegal consequences.

 

You claim that you think Bank Charges are reasonable. How can they justify £30 for a computer generated letter sent out automatically. They cannot. Unlike you I can prove this. that is why on THIS SITE alone £15419603 in UNLAWFUL CHARGES has been returned to 9081 people.

 

You go on to abuse other members of this forum by attempting to sound superior and saying WE cannot enter into a debate. We can and and at least backed up of views something which you have singularly failed to do. You are trying to justify the unjustifiable. Please ask the people who pull your strings to supply you with FACTS not just the opinions of greedy people who for years have been fleecing money off people without challenge. You claim to have a great deal of knowledge about the law. You appear to have forgotten the most basic piece. He who alleges must prove. Yet day and daily Credit Institutions try it on relying on the ignorance of people they are dealing with.

 

What about this for a debate. Is this ok for you or woul you prefer a Mass Debate

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I should jolly well hope that I'm not being accused of discouraging people; my comment previously was aimed at you Foreskin, with your daft comments aimed at disheartening and insulting people. Start a thread if you want to engage in intelligent debate rather than jumping in and hi-jacking another's ...

 

Are you a relative of the much reviled MotleyCrue perchance?

 

Mods, are you taking note here?

 

No need for petty insults. I'm not trying to dishearten people. I think they would take more heart in having the money they have been refunded/about to be refunded than losing it all chasing even more.

 

I will start my own thread though, as you're right, shouldn't hijack others. I imagine it will be quite a ferocious thread tough!

 

ODC, I will happily back up my arguments in a private forum, but unfortunately I'm not prepared to do so on a public domain. Feel free to PM me though.

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you know or -(seem to think you know) so much about crap ones ppi and their policies and proticol on charges so you must be one of their DEDICATED staff.

 

you know all about ppi-i know nothing-so why have i just won a £1300 claim BEFORE i even issued a court claim??????-perhaps it was out of the goodness of their hearts.LOL.So youre telling me that if i work as a casual worker which means that i may have no work for the next three weeks and then say,6 hours the following week followed by lets say 10 hours over the following 3 weeks-crap one ppi will pay my credit card bill of say £200 when i go into hospital for the next 12 weeks for abdominal surgery-

 

you also KNOW that crap one will win if cci is taken to court-take a look on the crap one threads-YOU'RE WRONG-read km-S thread-he has filed for warrant of execution and is claiming cci-perhaps youd like to spend some of your valuable time reading the successes with ppi-and i'd better not assume that as this is office hours you would ever dream of pilfering work time by using the computer and time for your own benefit..tut.tut.costing your company money which could affect all those others pay rises-ah just nipping the bud..............

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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ODC, I will happily back up my arguments in a private forum, but unfortunately I'm not prepared to do so on a public domain. Feel free to PM me though.

What have you to fear. Except the truth.

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Why should you fear public debate seeing as you are so sure of your facts. Whats wrong people reusing to answer your security questions when you ring them. Obviously you cannot sustain the debat which you requested so we nust assume that you are as we suspected a droid employed by a DCA or bank to stir up trouble. Bad news for you mate you have failed. Surely somone in your office is capable of presenting a reasoned argument backed up by FACTS.

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Paintball, I don't think I have made any petty insults at all on this thread.

 

Jubaxt, to invoke PPI you would take into account how much you said you earnt when given your credit limit and how much you are currently earning. If you have a lay off period of over 4 weeks, the insurance would cover the minimum payments on your card.

 

Claims against PPI are for people who claim to have been sold it without knowing, they are being refunded to ost of what they paid into the insurance, it's nothing to do with working hours or earnings. I think you should read your terms and conditions a little closer, rather than just buynig into the CAG propoganda machine. Each time someone replies, they are coming across in such an agressive tone and are riddled with almost official CAG party lines.

 

Also, not that it matters, but why do you use so many exclamation points and question marks? Do you not see that it makes your points seem daft and easily dismissable?

 

anyway, give any credit card company a call and ask them how the PPI works. The very point of it is to cover yuor payments when you cannot do so through no fault of your own.

 

Things like voluntary leave or redundancy would obvioulsy not be covered, but if you found yourself in the situation you say you were in, I can 100% confirm that the CC company woud have at least made your minimum payments, providing you had PPI. Obviously if you are on a salary and off sick you are still getting paid, so would have no reason to use the PPI.

 

what do you thnk PPI is used for, just out of interest?

 

Now you have overstepped the mark - BYEEEEEEEEEE

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What have you to fear. Except the truth.

 

Erm, if I worked for abank, which some of you seem to think I do ( I don't btw) then why would I pander to your needs and divulge information?

 

I know a bit, and I know that what I say is true. Ignore it if you wish, thats fine. All I wanted to do was have soem healthy debate, but yo've all just jumped right down my throat.

 

In fact, if I did work for a bank, I'd take great pleasure in dismissing your claims. I think your attitude towards this is all wrong. There is no empathy towards the other side. All you seem to care about is profitting from this.

 

Do you care about the law beig adjusted to be fairer?

 

Wold you give up your claims if the government and the banks declared fees in the future would not exceed 5 pounds?

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Erm, if I worked for abank, which some of you seem to think I do ( I don't btw) then why would I pander to your needs and divulge information?

 

I know a bit, and I know that what I say is true. Ignore it if you wish, thats fine. All I wanted to do was have soem healthy debate, but yo've all just jumped right down my throat.

 

In fact, if I did work for a bank, I'd take great pleasure in dismissing your claims. I think your attitude towards this is all wrong. There is no empathy towards the other side. All you seem to care about is profitting from this.

 

Do you care about the law beig adjusted to be fairer?

 

Wold you give up your claims if the government and the banks declared fees in the future would not exceed 5 pounds?

We are still waiting on the facts you promised. Probably to late now. I dont think you have the intelligence to work for a bank.

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Please note - this thread has turned into a personal debate and will not be allowed to continue in that manner.

 

If you have something constructive to add to the original question, or to questions raised by the OP since, then please feel free to contribute.

 

If you wish to argue the merits of something completely different, start your own thread in the relevant section.

 

Further off topic posts will be deleted without warning.

 

Any further personal remarks will result in account moderation, without warning.

 

I trust that this clarifies our position.

..

.

 

Opinions given herein are made informally by myself 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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i agree clarion-there is much more small print on a ppi policy than some people think-i won a claim for ppi,with cci-not crap one though but it would be interesting to see crap ones ppi t/cs

 

most do not cover pre-existing medical conditions/casual work/e.t.c

 

and many people are sold it when they either dont need or dont want it.

 

70% of ppi policies are actually mis-sold!!

so if anyone has a policy -look into it

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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I think a lot of the time people are not so much mis sold it as the box ticked without the issuer asking any questions.

 

I think if the actual details are explained clearly, most people would sign up to it.

 

It works out at about 0.5% of your balance and covers you against lossof income through sickness and such like.

 

If you had PPI Jubaxy I'd be inclined to call and ask about the details. Yo may be pleasantly surprised.

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my ppi/claim wasnt with crap one -it was with another company-i did loads of homework and when i rang the insurance claims dept -(pretending to be a potential claimee) i found that i wouldnt have a valid claim because i was a casual worker.

 

i then used this info to subsequently go on and have refunded my whole ppi,the interest theyd added to the premium and cci on top.

 

they also paid back £380 worth of charges on the account and cci on those aswell.it took my outstanding balance from £3322 down to £1680.

 

i ahve also helped fellow colleagues at work fight against mis-sold ppi with different institutions and theyve all got it back before filing in court.

 

out of 6 cases-all with different companies-not one was valid either due to pre-existing medical conditions/not working over a certain amount of hours/not having been in continuous employment for a specific time.

 

this is what i base my opinion on-experience,research and the fact that all these companies admitted wrong doing and avoided the courtroom door!

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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take a look at the ppi forum-there are many people caught in this wrangle over ppi

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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i also work in a position wher i have known patients try and claim off various ppi and health insurance to discover they are not covered and some of these are dying people

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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I always refuse PPI on anything i have taken out, even after i rejected Capital Ones offer of PPI they still charged me for it, although back then i never took any notice of what was on my statements so didnt actually realise they had been taking it from me till way after my account was closed. IMO they are worthless, especially as i was working for an agency at the time.

:madgrin:

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my ppi/claim wasnt with crap one -it was with another company-i did loads of homework and when i rang the insurance claims dept -(pretending to be a potential claimee) i found that i wouldnt have a valid claim because i was a casual worker.

 

i then used this info to subsequently go on and have refunded my whole ppi,the interest theyd added to the premium and cci on top.

 

they also paid back £380 worth of charges on the account and cci on those aswell.it took my outstanding balance from £3322 down to £1680.

 

i ahve also helped fellow colleagues at work fight against mis-sold ppi with different institutions and theyve all got it back before filing in court.

 

out of 6 cases-all with different companies-not one was valid either due to pre-existing medical conditions/not working over a certain amount of hours/not having been in continuous employment for a specific time.

 

this is what i base my opinion on-experience,research and the fact that all these companies admitted wrong doing and avoided the courtroom door!

Nice to see FACTS being quoted. I am fortunate with a PPI I have when I took a serious illnes in January. Onece I completed the forms they pay me out monthly regular as clockwork so they are not all bad. I suppose it depends on the company and the salesperson

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sorry paintball-the only reason i mentioned it-was because i actually got cci back without filing---------------

sowerby -please come back-where are yoouuuuuu!!!!!!!!!!!!!!!!!!!!!!!!!

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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well then all this fratching not helping anyone lol. What do i do got aq to fill in by 30th july but not got a cheque from capone either so doubt it would clear by then.help!

Personally i would continue the claim until you have CLEARED funds in your bank account, until then the claim is not settled, and if the court have requested AQ then failure to comply with this could result in the claim being struck out, but make sure you claim the £100 AQ fee back from C1 too

:madgrin:

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