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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.  
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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.
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      This is good ethical practice.

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

       

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SLC Cannot Supply The Original Agreement


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Here is the exact text from Cambridge TS:

 

It would appear that Amex should provide you with something (!) but note the words "executed agreement (if any)". A colleague from another Trading Standards service is quite categorical in saying that what this means is that in the absence of sending a signed copy, they can send you a copy of an agreement that you did sign.

 

I presume that because you have been paying the debt collection agency you actually accept that you entered into these agreements and are looking to avoid further re-payment as a consequence of alleged non-compliance with Section 78.

 

Whatever your motives for asking them to comply, I would suggest that you raise your enquiry/complaint formally with the Financial Ombudsman Sevice, who since April 2007 became responsible for dealing with complaints in relation to consumer credit agreements. As experts in the field I am sure they will be able to assist you further and, for ease of reference, their link is below:

 

FAQs - changes in consumer-credit complaints-handling

 

Best wishes

 

Hmm, do I smell something?

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Here is the exact text from Cambridge TS:

 

It would appear that Amex should provide you with something (!) but note the words "executed agreement (if any)". A colleague from another Trading Standards service is quite categorical in saying that what this means is that in the absence of sending a signed copy, they can send you a copy of an agreement that you did sign.

 

I presume that because you have been paying the debt collection agency you actually accept that you entered into these agreements and are looking to avoid further re-payment as a consequence of alleged non-compliance with Section 78.

 

Whatever your motives for asking them to comply, I would suggest that you raise your enquiry/complaint formally with the Financial Ombudsman Sevice, who since April 2007 became responsible for dealing with complaints in relation to consumer credit agreements. As experts in the field I am sure they will be able to assist you further and, for ease of reference, their link is below:

 

FAQs - changes in consumer-credit complaints-handling

 

Best wishes

 

Just to clarify/amplify my previous post.

 

TS are responsible for investigating and possibly prosecuting criminal offences (e.g. failure to comply with a S78 request within 12 days + 1 month) (Not that they ever have as far as I'm aware). As far as advice about your civil rights goes, that may well be down to FOS now.

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HI

a few points

Firstly it is the OFT who issue prosecutions and enforce the CCA 1974.

If you go to their site you will see a record of previous prosecutions. (Such as they are).The Trading Standards is the consumer arm of the OFT and in effect is the same body ultimately coming under the control of the DTI.

As I said the creditor can pursue the debt once the default has been lifted without the need for a court order. See letter from OFT.

Dear Mr Bardsley

Thank you for your email dated 12 February 2007 concerning a creditor's ability to enforce an agreement where it has failed to comply with a request under Section 77 of the Act.

Unfortunately I have not had sight of the previous correspondence or information that you refer and as such am not aware of any particular circumstances which might be relevant. In general where a valid request has been made to a creditor under Section 77 of the Act and the creditor has failed, within the prescribed 12 day period, to supply the requisite information then the creditor is not able to take steps to enforce the debt with or without a court order. The commission of an offence, should the failure to supply the documents continue for a month, does not affect the long term enforceability of an agreement as far as the Act is concerned. Once the creditor does comply with the request, whether beyond the prescribed period or not, he will be able to enforce the agreement again.

I should note however that the above is a statement of the Act as only a court has the power to issue definitive statements of the law.

I hope that this is helpful, but please do not hesitate to contact me should you have any further queries on this matter.

Yours sincerely

Henry Aitchison

Consumer Credit Enforcement

Markets and Projects (Services) Group

Office of Fair Trading

I also have other evidence to the same effect already posted earlier in this and other threads

The offence is committed after 44 days not 12 days that is when the creditor has committed a default.

Finiancial Ombudsman service is not a regulatory body and do not have the remit to prosecute creditors they are a counselling service.

From their web site:

Does the ombudsman punish or fine businesses?

No. Our job is to settle individual disputes between consumers and businesses providing financial services – where consumers think they have lost out. Our service is confidential. We do not publish the names of the businesses and consumers whose complaints we handle.

We do not write the rules for businesses providing financial services – and we do not monitor (or regulate) businesses to make sure they follow the rules. This is the responsibility of the regulators – for example the Financial Services Authority (FSA) and the Office of Fair Trading (OFT).

Note the mention of the OFT regarding regulation.

Best regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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If an agreement is unenforceable then the consensus is that to register a default is an attempt by the creditor to enforce the debt which is unlawful & you can demand it's removal.:-x

 

If they refuse you would have to seek, as a 1st part of your legal action, a judgment that the agreement was/is enforceable before a court would order it's removal.

 

In other words both arguments would form part of your POC - 1st the agreement is not enforceable, by order of the court - 2nd assuming that is the case, then the default be removed, by order of the court

 

I whilst a great deal of what happens will rest on who deals with your complaint you can report them for this practice. Trying to enforce the unenforceable is breach of the OFT guidelines & questions their fitness to hold a credit license.:)

 

It may even amount to a criminal fraud under the new fraud act 2006 which came into force April 2007:D

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Thanks for the info joncris.

 

A suitably worded letter will be on its way to Barclaycard's CEO...

 

Fraud? Yikes! :eek:

 

(In connection with their failure to comply with my s.78 request, I sent a section 10 notice to his office well over a month ago, which has been ignored, save for the fact they appear to have been spurred into complying with the s.78 request. So an action enforcment of my s.10 notice is also possible, I believe)

 

I discovered my original credit limit is not that as stated in the original T&Cs by way of the data supplied by Barclaycard under my S.A.R - (Subject Access Request).

 

(Talk about giving them enough rope to hang themselves. They appear to have gone over to B&Q, bought a length of good stout rope and some strong timber, assembled a scaffold and put their neck in the noose and are inviting me to pull the lever!)

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(Talk about giving them enough rope to hang themselves. They appear gone over to B&Q, bought a length of good stout rope and some strong timber, assembled a scaffold and put their neck in the noose and are inviting me to pull the lever! Pull it- and just to be sure i will hang onto their legs)

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I know there is a link somewhere in this thread about the prescribed term in a credit agreements. But I have been unable to locate it again. Anyway could somebody please point me in the right direction more specifically the term about the time for them to sign and return a copy of the contract to you.

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I presume that because you have been paying the debt collection agency you actually accept that you entered into these agreements and are looking to avoid further re-payment as a consequence of alleged non-compliance with Section 78.

 

Not wishing to go back over old ground but does this not suggest that this individual TS officer agrees at least in part with my comments about implied agreement by virtue of previous repayment and that a committed credit company MAY attempt to use this in court. I know what has been said about courts being prohibited from making enforcement orders but it would be an interesting test case if a CC really wanted to risk it.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Not wishing to go back over old ground but does this not suggest that this individual TS officer agrees at least in part with my comments about implied agreement by virtue of previous repayment and that a committed credit company MAY attempt to use this in court. I know what has been said about courts being prohibited from making enforcement orders but it would be an interesting test case if a CC really wanted to risk it.

 

How could a judge go so blatantly against what the law states?

 

Answer, they couldn't.

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The problems we have are (i) TS are longer are nolonger a resource, not that many were very useful anyway and (ii) the FOS is months and months behind, they are inundated with millions of complaints and do not have the resources to deal with it all. I submitted a complaint in early May and it has still not been allocated to a case worked.

 

Many ccc are being challenged, as evidenced here since many documents simply do not hold up to scrutiny. I have found this aspect the most surprising since joining CAG. The agreement is the most fundamental document after all, they can prove you spent the money but have no legal reference as to the terms on which you were to repay so therefore the alleged debt in unenforceable. The only resolution is a compromised negotiation since as mentioned above the court has little ability to direct given the wording in the Act.

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I might have to eat my words:eek:

 

I made a request back in January under S77/78 and the response from Cobbetts (Natwests solicitors) was that thier client is unable to locate the original agreement.

 

Today, without any prior notice or discussion, they have helped themselves to £950 from my current account to cover "loan shortfall". This was an immediate "transaction". The money was there at 12.20 and gone at 3pm.

 

I have tried ringing the collections centre and all they keep telling me is that it is "in the terms and conditions that if funds are available they are can take them to cover shortfall".

 

I have tried to tell them that the loan is unenforceable at the present time due to their admitted inability to provide a copy of the agreement and they seem confused to say the least but are resolutely refusing to give me my money back.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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blimey.. thats rough! Don't see why you don't have every right to call the Police and tell them someone has stolen monies from your account without your permission! grrrrrrr

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Here is the exact text from Cambridge TS:

 

It would appear that Amex should provide you with something (!) but note the words "executed agreement (if any)". A colleague from another Trading Standards service is quite categorical in saying that what this means is that in the absence of sending a signed copy, they can send you a copy of an agreement that you did sign.

I presume that because you have been paying the debt collection agency you actually accept that you entered into these agreements and are looking to avoid further re-payment as a consequence of alleged non-compliance with Section 78.

Whatever your motives for asking them to comply, I would suggest that you raise your enquiry/complaint formally with the Financial Ombudsman Sevice, who since April 2007 became responsible for dealing with complaints in relation to consumer credit agreements. As experts in the field I am sure they will be able to assist you further and, for ease of reference, their link is below:

FAQs - changes in consumer-credit complaints-handling

Best wishes

 

Absolutely disgraceful!

 

Cambridge TS have no right to question your motives. TS are the enforcement officers of The Consumer Credit Act 1974 (The "Act") and if the creditor has failed to comply with legislation that has been laid down in that ("Act"), it is up to TS to deal with the matter. It is not correct fro TS to attempt to 'pass the buck' to the FOS, who are not a government body or authority, they are also not a regulator.

 

My advice, don't take no for an answer, complain to a higher level.

Write back to Cambridge TS and state that you demand that your complaint be escalated, or you will make a complaint about their maladministration.

 

Love AC

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The problems we have are (i) TS are longer are nolonger a resource, not that many were very useful anyway and (ii) the FOS is months and months behind, they are inundated with millions of complaints and do not have the resources to deal with it all. I submitted a complaint in early May and it has still not been allocated to a case worked.

 

Many ccc are being challenged, as evidenced here since many documents simply do not hold up to scrutiny. I have found this aspect the most surprising since joining CAG. The agreement is the most fundamental document after all, they can prove you spent the money but have no legal reference as to the terms on which you were to repay so therefore the alleged debt in unenforceable. The only resolution is a compromised negotiation since as mentioned above the court has little ability to direct given the wording in the Act.

 

In reference to FOS timescales. I have had the 'acknowledgment' letter with case numbers from the FOS since reporting 3 creditors on the 2nd and 11th July this year. Albeit with the content that they 'have received high volumes of complaints and will contact me again soon etc'.

Would agree though that TS are a waste of space. All the non-CCA complaint letters i wrote.. and they have all been passed to Torbay TS who are, on the whole, ignoring them completely.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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I know there is a link somewhere in this thread about the prescribed term in a credit agreements. But I have been unable to locate it again. Anyway could somebody please point me in the right direction more specifically the term about the time for them to sign and return a copy of the contract to you.

 

 

Bump any answers please

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If any of these are missing or incorrect the agreement is improperly executed and can only be enforced on the order of a Court, but because of the wordig of s.127(3) the Court would be precluded from doing so under any circumstances.

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