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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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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.

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Reclaim Egg Card PPI


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Hi Everyone,

 

Anyone had success in claiming back the "Repayment Protector" on their Egg Card?

 

We took out a Egg Credit Card in 2003, and transferred over £15000 into it with the 9 months 0% offer, PPI adds upto approx. £4000.

 

I always thought the PPI thing was a standard charge they apply to all credit cards but after reading here, it seems we can claim this back, am i right?

 

Thanks.

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This was Egg Customer Service reply to my email, have we not got a chance to reclaim:

 

------------------------------------------------------------------

I've looked into your Egg Card account and I can see that when you applied for your Egg Card you requested to take Card Repayment Protection.

 

Repayment protection covers you against accident and sickness which prevents you from working or unemployment. After a waiting period of 30 days, it could pay off 10% of your outstanding balance each month, from the date your claim commences, for up to 12 months or until you return to work whichever is the earlier. It costs 79p per each £100.00 of your statement balance.

 

To order paper statements for your Egg Card, we charge £2 per paper statement up to a maximum of £10 per request to cover the additional expenses in producing a paper statement for our Internet card.

 

If you'd like to have any paper statements sent out to you, please send another message confirming the date range you require and that you accept the charge. Which will be applied to your Egg Card.

 

I've also requested that a signed copy of your Egg Card agreement will be sent to you.

------------------------------------------------------------

 

What do you think?

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Just reply and ask for a copy of your request to have the ppi added.

 

He is telling you, you asked for it, now ask him to show you the proof, if he can then no, if he cant, then yes.

 

Look in the PPI forum im just starting against PPI on an egg loan i defaulted on after 3 months, never got a penny back.............

 

 

Will soon tho :)

 

Well hopefully lol

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This is the latest reply i got from them:

 

----------------------------------------------

Card repayment protection was added to your Egg Card on 11th December 2003 when you accepted the credit card agreement.

 

I'm unable to send you written proof of this as stated in the Paperless Dealing Agreement. Please copy and paste the link below onto your web address bar for further details;

 

new.egg.com/visitor/0,,3_11089--View_1081,00.html

 

I'm also unable to send this secure message to any other email address for security purposes.

 

Please therefore accept this secure message as confirmation.

----------------------------------------------

 

What do you think, have i got a chance to reclaim the PPI?

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I've also requested that a signed copy of your Egg Card agreement will be sent to you.

 

BY no means am i a legel eagle, only know from what ive read on these here forums :)

 

 

Have you received the copy of your agreement yet?

 

Did you take you card out on Dec 11 2003?

 

Surely they would have to provide something to show the judge in any court case?

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thanks for your help wednesday1867!

 

Received the agreement today. Only 2 pages though and no mention of PPI at all! I signed and sent the agreement back on 10/12/03. Have asked for the full agreement and awaiting response.

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has anyone had experience of this situation before, what should i do if they can't produce evidence of me agreeing to the ppi?

 

do i have to prove that i never agreed or does Egg have to prove that i did?

 

Hiya Jimmy,

 

Got your message:D I am not a toughie, just god damn determined to get what I have been tricked out of:D

 

Reclaiming back your ppi is not difficult, but you have to play the game of denial. They will deny everything, but if you persist, they will soon realise that you are like a dog with a bone and will not give up. They will possibly do the right thing, and refund it, but you may have to issue a court claim.

 

First things first, you need to get all of the info that you need, so sent a S.A.R - (Subject Access Request) under the data protection Act. I will cost you no more than £10 and is money well spent. With the SAR they have to send you everything, and I mean everything. They will probably just send a little bit and then you have to ask again.

 

I see that you have received your credit agreement and there is no mention of ppi applied.:D Was it a credit card and can you post it to the site or pm me a copy of the agreement, if you can delete anything confidential . It would interesting to see it.:D

 

If you need help with letters etc or have any more questions please ask:D Just don't give up

 

Ooops sorry forgot to mention start a new thread on the ppi forum so I can keep an eye on your progress

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Sorry, I blame the wine!!!

 

Hello,

 

I am shocked drinking wine at this time.:shock:

 

Not really just jealous:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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