Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Welcome Finance - This company needs to be banned.


tightbum
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4586 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I cannot believe these ******* cowboys who say they have never received Recorded Delivery letters.

 

I loathe and detest this company.

 

A very angry Voda

 

G'rrrrrrrrrrrrrrrrrrrrrr !!!!

 

no they have just received it today (I had to fax it as they said they didn't receive the letter which they signed for)
Link to post
Share on other sites

  • Replies 9.6k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I cannot belive these ******* cowboys who say they have never received Recorded Delivery letters.

 

I loathe and detest this company.

 

A very angry Voda

 

G'rrrrrrrrrrrrrrrrrrrrrr !!!!

 

It is weird Voda because we also sent a cca request on same day and both letters were signed for by same person (although post office say signature illegible) but the only one that went missing was the one putting the account in dispute ......I feel the dispute letter was filed under B for bin.

I was pretty angry too as it meant a full morning trying to figure out how to work my fax machine that I have never used and fax it through to them :mad:

Link to post
Share on other sites

Hi Millymo,

 

It really is unbelievable in this day and age that firms such as this still exist.

 

They remind me of individuals or companies that are investigated by Rogue Traders or Watchdog.

 

I am just waiting for the day when I can deal with someone else once this organisation goes to the wall.

 

It is weird Voda because we also sent a cca request on same day and both letters were signed for by same person (although post office say signature illegible) but the only one that went missing was the one putting the account in dispute ......I feel the dispute letter was filed under B for bin.

I was pretty angry too as it meant a full morning trying to figure out how to work my fax machine that I have never used and fax it through to them :mad:

Link to post
Share on other sites

Ok as you have paid more than 1/3 of the agreement they cannot 'just come and take the car' they would have to get a court order for that so please do not worry.

 

Were you given any rebate of this PPI - if so how much were you given? and did they just take this off the back end of the loan?

 

Have you sent either a CCA or SAR to get all your information off them as I bet you'll find a hefty whack of charges on their as well

 

 

i wasnt given any rebate of the PPI, and they havent take anything off the back end of the loan, i havent sent any cca or sar to get all the information i need, how can i do that? writing to them? because i would like to know more information about that just in case it goes to court, i feel have to get as much information as possible so i have some grounds, thank you very much for your reply

Link to post
Share on other sites

So what everyones opinion on Cattles now?

 

Do you think they will survive?

 

Do you think there is more bad news to come?

 

Whats happening with the newspaper/fraud stuff that was going on behind the scenes on here? Is it still looking bad for them?

 

Could they be waiting for the G20 sumit to start so they can bury the bad news in the media?

Link to post
Share on other sites

RNS Number : 8746P

Cattles PLC

01 April 2009

 



1st April, 2009

 

 

 

 

Cattles plc

 

Update on impairment provision review

 

On 20 February, 2009, the Board of Cattles plc ("Cattles") announced that it would delay the release of its preliminary results announcement for the year ended 31 December, 2008 pending completion of a review of the adequacy of the Group's impairment provisions. Since then, an independent review commissioned by the Audit Committee, with the assistance of Freshfields Bruckhaus Deringer LLP, Cattles' legal advisers, and Deloitte LLP have confirmed the Board's belief that there has been a breakdown of internal controls which has resulted in the Group's impairment policies being applied incorrectly.

 

 

Consequently, the Board reported on 10 March, 2009 that, based on information received to that date and subject to completion of its external audit, it believed that the Group incurred a significant loss before tax for the year ended 31 December, 2008, and that it will be necessary to restate the Group's financial statements for the year ended 31 December, 2007.

 

 

The review continues to make significant progress. The Board has now received a draft report from Deloitte setting out an estimate of the potential additional levels of impairment provisions likely to be required. The Group's external auditors have commenced their review of that report. The contents of this announcement therefore remain subject to completion of both the review and the Group's external audit. In particular, the financial data contained herein is subject to possible amendment.

 

 

Potential additional impairment provisions

 

The Deloitte report estimates that the Group will need to make a provision of around £700 million in excess of that originally anticipated with respect to the value of customer loans held as at 31 December, 2008. As reported in its most recent interim statement, Cattles' gross receivables were £3.6 billion and impairment provisions were £0.4 billion as at 30 June, 2008. The potential additional impairment provision represents the aggregate amount that would be needed in respect of impairment in the years ended 31 December 2008 and 2007 and, potentially, earlier years.

 

 

The amount of this provision that should be reflected in the profit and loss account for the year ended 31 December, 2008 versus earlier years remains to be determined. However, the Board continues to believe that such a provision will result in the Group reporting a significant loss before tax for the year ended 31 December, 2008 and in the requirement to restate the Group's financial statements for the year ended 31 December, 2007. It is possible that such a restatement of the 2007 financial statements could result in a significant reduction in previously reported profit before tax for that year. The impact on the Group's financial statements for earlier years is still being considered.

 

 

Incurred but not reported ("IBNR") impairment provision

 

The Board is also considering whether to include an additional IBNR provision consistent with accounting standard IAS39. Based on work carried out to date, the Board believes that the adoption of such a policy would result in an IBNR impairment provision of approximately £150 million with respect to the value of customer loans held as at 31st December, 2008.

 

 

Background to the underprovisioning

 

As previously announced, an independent forensic investigation, led by Freshfields Bruckhaus Deringer LLP with support from Deloitte, is continuing to examine how and why the underprovisioning happened. Six senior executives of the Group, including two directors of Cattles plc, remain suspended pending the final outcome of the investigation.

 

 

In these circumstances, the Board is not yet in a position to provide a definitive explanation for the breakdown in internal controls which resulted in the Group's impairment policies being applied incorrectly. However, in order for the breakdown in internal controls to have occurred, and for the extent of underprovisioning to have remained unrecognised (despite specific and repeated questioning by members of the Board as part of its monitoring of the Group's credit risk position) the Board believes that the Board as a whole received inaccurate and/or incomplete information.

 

 

Current position

 

The Board also reported on 10 March, 2009 that it believed Cattles was in breach of covenants under its borrowing arrangements. Cattles continues in discussions with its banks and the holders of its outstanding Eurobonds and US Private Placement Notes.

 

 

The management's focus is now on working closely with its debt providers to sustain their support for the Group's programme of action to stabilise its financial position. The core actions include: the appointment of new management from both inside and outside Cattles to key roles; the consideration of selected disposals of businesses and assets; a controlled process of debt recovery and cash collection; and the simplification of the Group's operating model to reduce costs. The Group has continued to make good progress with collections and has generated net cash receipts in the first three months of 2009.

 

 

As regards new management, Cattles is pleased to announce that the Board has resolved to appoint Jamie Smith to the Board of Cattles plc as interim Finance Director with immediate effect, subject to the approval of the FSA. Jamie was previously a restructuring partner with one of the big four accountants.

 

 

As explained above, the review has made significant progress in identifying the potential extent of the impairment underprovisioning and this has cleared the way for the external auditors to continue their work with respect to the financial statements for the year ended 31 December, 2008. However, it is not expected that this work will be completed until the outcome of discussions with Cattles' debt providers is clearer.

 

 

A further announcement will be made when appropriate.

 

 

For further information:

 

 

David Postings, CEO, Cattles plc

020 7269 7252

Paul Marriott, Financial Dynamics

 

 

 

 

 

 

 

 

This information is provided by RNS

The company news service from the London Stock Exchange

 

 

 

RNS news service provided by Hemscott Group Limited.

Link to post
Share on other sites

I think they are up to their necks. the amount of understating they have done is unreal! I could help this investigation if they'd have asked we could have told them. welcome pad their accounts and even make them up naughty welcome

Link to post
Share on other sites

I think they are gonners, damage limitation and as much debt collecting done as quickly as possible and that will be done from a few smelly little offices by morons. The banks will bleed them dry until they get there money as they are up to there necks in it also.

Link to post
Share on other sites

Morning folks,

 

Well they will not get any more money from me other than the amount I am now paying as I don't have any...:-(

 

I think they are gonners, damage limitation and as much debt collecting done as quickly as possible and that will be done from a few smelly little offices by morons. The banks will bleed them dry until they get there money as they are up to there necks in it also.
Link to post
Share on other sites

looks like they are letting out snippets of good info first to build up confidence for the shareholders and major players, the pure fact that they had to bring in do-little&touche is bad news so still waiting for brown stuff hitting whirly thing

Link to post
Share on other sites

thanks mojo,asked for a c.c.a they sent the one for an old account,have sked for a s.a.r,don't suppose i'll get the correct one of those either,how do i go about a disclosure and what is one?

 

Morning Biddy, do you have a thread on this? I think something very dodgy has happened with you and need digging into.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Well its obvious cash collection is a main focus and (a already seen) they will put considerable effort and pressure to rewrite as many possibly unenforceable agreements as possible and secure debt.

 

Many many folk will be pushed into signing these agreements and it drives me nuts :mad:....what can we do about it?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Go Public and hopefully Postie has already supplied this and other information to the Newspaper he has been to see.

 

I wonder if Postie will be able to tell us more today !!!

 

Well its obvious cash collection is a main focus and (a already seen) they will put considerable effort and pressure to rewrite as many possibly unenforceable agreements as possible and secure debt.

 

Many many folk will be pushed into signing these agreements and it drives me nuts :mad:....what can we do about it?

Link to post
Share on other sites

Have just seen this on LSE - there is a small Forum there

 

 

Today 10:54

Today's Update

 

 

Deloitte report estimates that the Group will need to make a provision of around £700 million in excess of that originally anticipated with respect to the value of customer loans held as at 31 December, 2008. As reported in its most recent interim statement, Cattles' gross receivables were £3.6 BILLION and impairment provisions were £0.4 billion as at 30 June, 2008. The potential additional impairment provision represents the aggregate amount that would be needed in respect of impairment in the years ended 31 December 2008 and 2007 and, potentially, earlier years. So CTT need to borrow ADDITIONAL 0.7 billion? i.e. bit Profile: Andrew Fisher, Provident Financial FD - Accountancy Age There is NO cert bet but... GL ALL!!!

Link to post
Share on other sites

lifted from reuters

 

 

The company, which has already suspended six senior executives including its finance director, said a draft report showed it would have to find 700 million pounds to make up for the fact it did not set aside enough funds to cover bad loans.

A provision of 150 million pounds may also have to be made if Cattles decides to adopt accounting standard IAS39 which governs the way companies measure financial assets and liabilities.

"The board continues to believe that such a provision will result in the group reporting a significant loss before tax for the year ended 31 December, 2008," the company said in a statement.

A restatement of 2007 accounts could result in a significant reduction in pretax profit for that year while the financial impact in previous years was still being considered, Cattles said.

The company made a net profit of 114.7 million pounds in 2007 and its market value is now less than 20 million pounds after its shares slid from more than 400 pence a share in early 2007 to less than 4 pence.

"The board is not yet in a position to provide a definitive explanation for the breakdown in internal controls which resulted in the group's impairment policies being applied incorrectly," the company said.

Shares in Cattles were down 8.4 percent at 3.15 pence by 0707 GMT.

Cattles said it remained in talks with its banks and bondholders to find a way to stabilise the company's financial position.

The company has appointed Jamie Smith as interim finance director and said it had generated net cash in the first three months of 2009 after "good progress" with collections.

 

The last part of the report should read

"The company has generated net cash in the first three months of 2009 after a bullying and intimaidation campaign to scrare people into paying".

 

I still think they are on borrowed time... i just cant see how they can get out of it.... they have more than just debt hanging around there necks.

Link to post
Share on other sites

LONDON, April 1 (Reuters) - Troubled sub-prime lender Cattles Plc (CTT.L) faces a bill for 850 million pounds ($1.2 billion) -- or more than seven times its 2007 net profit -- to plug holes in its accounts.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4586 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...