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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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Lowells Portfolio 1 Jokers


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Have been posting in other threads so needed to start my own.

Quick recap.Lowells state I owe them £384 from old Abbey ac**** from 2002.

Sent CCA request by recorded deliveryon 28 June.

Lowells replied with:

We are in reciept of your request for a copy of the executed credit agreement in accordance with Section 78 of the Consumer Credit Act 1974.

The agreement to which you seek is not a regulated consumer credit agreement and is not governed by the terms of the above Act.

Our client therefore has no obligation under the provisions of the Act to supply the information requested by you.

We would therefore request you contact us on the number below to put forward your proposals to settle the outstanding debt.

 

Today I recieved another letter dating the day after the above one.

This one is from the so called Chief Operations Officer.

 

Looks like a standard request for payment by urgent phone call.

It ends with these winning words.

"Ignoring this problem will only make it worse" etc

 

So I got some advice on other thread to specifically ask Lowells :

Why the debt is not covered by the Consumer Credit Act?

Which I will do now by recorded delivery.

Also a S.A.R - (Subject Access Request) request to Abbey[which I will also do now.

 

Undoubtedly I will be reposting shortly for an update on my saga with these jokers.

Thanks for reading,Will post as soon as req

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Is this for an overdraft ? If so then it is covered by CCA, but normal bank accounts aren't.

 

Well if this was me I'd SAR Abbey and get the charges reclaimed.

While I'm doing this I send a DISPUTE notice to Lowlife and tell them that as the account is in dispute they can't take any action.

They wont like that and will probably send more demand letters, but tough really as they can't take any action as it's against OFT collection guidelines.

 

As and when they do then file everything and get a report ready for Trading Standards.

  • Haha 1

Be VERY careful whose advice you listen too

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Was just for regular account,no overdraught facilities.

 

How do I find the S.A.R - (Subject Access Request) template?

 

Also love the sound of the "In Dispute" letter.

 

Time is against me now[back to work]

Any help with any templates or advice gratefully recieved.

Thanks Again All who look and Fight

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Yes thanks for that have generated the S.A.R - (Subject Access Request).{that is a great device]

Is there an In Dispute letter on there?

I cant seem to find one,or do I just write to them stating I now consider this matter to be "in dispute",is that enough?

Can I do anything else whilst I am at it?

Cheers Again For All Advice

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Try something like this:

dear sir/madam

 

I would like to inform you that the balance of this account is in dispute with the original creditor. Therefore I consider this account to be in dispute and no further action shall be taken until this matter is resolved

 

your faithfully

 

That'll do for the moment.

Be VERY careful whose advice you listen too

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Will post S.A.R recorded first thing tomo.

 

Will also do letter "In Dispute" [also recorded delivery]

 

I am not exactly letter writing expert.

Seriously Thanks to all who have helped so far.

Greatly appreciated.

I am so glad I refused to give my mobile phone number to these jokers when I first called them[by mistake]

Cheers

Will keep posting as req

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Quick recap.Lowells state I owe them £384 from old Abbey ac**** from 2002.

 

If there was no overdraft facility how come Lowells state you owe Abbey money?

 

You may find after you get the results of your SAR that the boot is on the other foot and it is Abbey who owe you money.

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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I Think you are right.I NEVER had an overdraught facility with any bank.

I am almost certain the £384 is made up entirely of charges.

I can not see what else it could be.

I have done the SAR request now and the in despute letter to the lovely lowells.

So will see what it says.

Will keep posting.

Cheers to all.

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  • 2 weeks later...

vbmenu_register("postmenu_1001377", true);

Basic Account Customer

 

Join Date: Jun 2007

Posts: 14

reputation_pos.gif

 

 

icon5.gif Lowell Jokers Continued.

 

Quick recap.

Lowells asking for £384 they said I owed from old Abbey account.

Did cca request.

They replied saying debt was not covered by this Act.

I then repied with standard "in Dispute" letter .

I have heard nothing from Lowells since then[About 2 weeks]

I have never had an overdraught and think this debt[if exsists will be bank charges]

I have done a S.A.R - (Subject Access Request) to Abbey who have repied today with the following.

 

Unfortunately,I am unable to provide any information at this time as I have been unable to locate the account.The account number you provided does not match the customers name that you have given.Please resubmit the correct customer and account number to us and we will then be able to order the statements.

 

I did NOT provide any account number.Only my name and former address.

They also sent back the cheque for £10 for "safe keeping"

 

I am not sure what to do next as if they are bank charges I would like to know so I can reclaim them.I also want to keep the lovely people at lowells off my back,

 

Should I tell Abbey why I require the info{because of Lowells}?

Should I resubmit my request stating I have no account numer?

Any help or advice gratefully recieved.

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I think you should complain to the ICO as Abbey would seem to be wanting you to pay a debt that they can not substantiate in any way and would appear to have lost your account details as well.

 

You may also wish to send Lowells the letter below and ask for a copy of their complaints procedure.

 

Your home address)

_________________

_________________

Date: ____________

 

 

To: ______________

__________________

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name)

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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Thanks for that.

How do I go about complaining to the Information Commisioners Office?

What is the address?Do I explain the whole saga?

What about Abbey?

Should I try to resubmit sar or just leave it?

 

Thank you very much for the letter template.

Since I sent my "in dispute" letter I have not heard from lowells.

If I hear anything at all I will post imediately.

 

Apart from complaining to the Information Commisioners Office what should I do next ?Or will that in itself resolve matters?

 

I dont know how these things work which I guess these people rely on.

It all seems to be something and nothing now?

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The ICO's complaints page is here Complaints

 

Report Abbey for their in ability to supply the information you requested. I don't think it's worth sending them the SAR again as they have responded to it and you'll probably receive the same response. You could also consider reporting them to the FOS for pursuing you for a debt they can not substantiate but you will need to go through Abbey's complaints procedure first. Regarding the FOS you could also do the same with Lowells but again will need to go through Lowells complaints procedure first.

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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Thank you for the link.

 

When this all started I did recieve a letter from Abbey which included an account number[just found letter]

it says

Dear jooper

We hereby give notice of the assignment of the debt due to us from you in respect of the balance of £384 outstanding on your Abbey National PLc account.

 

On 30 April,2007 your account was sold to Lowells Portfolio 1 Ltd.

 

Any further communications and payments must therefore be addressed to Lowell Portfolio 1 Ltd.

 

Then gives address.

 

Now this letter was not signed and I did a cca req first off.[refused]

 

If this letter is genuine[which I am now seriously douting]

 

How is it they could not find my account details if they already had them?

 

Could this letter affect the situation?

should I resubmit the sar with this account number?

I have mentioned it before but as was not signed and so I did the cca request.

Any Help gratefully recieved.

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I have just recieved a letter from Lowells which states;

 

Thank you for your recent correspondance regarding the above matter.

[My letter about being "in dispute"]

 

We note your comments but would advise that we are not aware of any dispute you may or may not have in regards to this account.If it is the case that such a dispute exists please forward us full details together with any supporting documentary evidence.

 

Upon reciept of this documentation the matter will be fully investigated.

 

We trust this clarifies the situation and look forward to recieving your reply.

 

 

Ok so should I just send them the above letter template?

 

Why do they think I would send them anything?

 

Also not sure where to go from here as I have no details as S.A.R - (Subject Access Request) was declined?

Any Help would be gratefully recieved.

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Ok so should I just send them the above letter template?
Yes. It's just a standard template from Lowells. It's actually them who need to provide you with documentary evidence that you owe the money.

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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  • 3 months later...

O k quick recap first.Lowells stated I owed them £384 which apparently I previously owed Abbey.So I went on to do a sar .Abbey had no record of account.Then I told Lowells that the account was `in dispute`.

That was in July,heard nothing.

Now they have started again with this.

Almost exactly the same letter they sent in the first place.

What can I do to stop these letters?

I have no record of account and Abbey had no records for the account number Lowells supplied with my name.

Seems Lowells are pretty relentless no matter what.

Any help or advice gratefully recieved.

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I have contacted the OFT.

This is what they have advised.One last letter headed"Administration Of Justice Act 1974",to review the main details so far.

To state I have no records of the account.That Abbey replied with no record of the account.To provide evidence of the debt owing.If continues may be deemed as harassment.

To ask them to confirm my details are removed from their system.

 

They also said I should include a copy of the reply I recieved from Abbey regarding my SAR.

 

If anyone has any reasons to doubt any of this please let me know.

 

Many Thanks Again.

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