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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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      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.

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Welcome Finance - This company needs to be banned.


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My daughters boyfriend took out a loan with Welcome last November for £2500, PPI £1275 and Interest £1701.:-x

 

I really think he may have been mis-sold this PPI as he didn't really know what it was.

He and my daughter are now living together and know that this loan must be repaid but I wondered if it is worth trying to reclaim the PPI or are we too late because of the position Welcome are in now.

 

Hello there DawnyTrish. Firstly as is normally advised on here, you would be better off starting your own thread on this. The detail of the answers to specific questions such as yours can get lost amongst all the stuff this thread contains.

 

However, yes, it is worth starting a claim for the refund of the PPI. Once you have started your claim, whatever happens to Welcome, someone will have to pick up the liability.

 

Also he hasn't got a bank account and they telephone every week for a payment. My daughter gave them her Debit card details and now they have stopped phoning and just take the payment anyway.

 

How they handle this is up to them. If they don't want Welcome to phone and are happy to pay the money then they need do nothing. However, I suspect your inference is that they would rather not have Welcome taking money from her account at their whim. In that case I would suggest that she calls her bank, tells them that she has lost her card/washed it in the washing machine/it has split in half/whichever story she feels easiest telling, and asks them to cancel the old one and issue a new one. This will have different numbers, and Welcome won't be able to take any money any more. (Do make sure she takes enough cash out of her account to get her through the week or so it will take for the new card to arrive before she phones the bank.)

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Hello there DawnyTrish. Firstly as is normally advised on here, you would be better off starting your own thread on this. The detail of the answers to specific questions such as yours can get lost amongst all the stuff this thread contains.

 

However, yes, it is worth starting a claim for the refund of the PPI. Once you have started your claim, whatever happens to Welcome, someone will have to pick up the liability.

 

 

 

How they handle this is up to them. If they don't want Welcome to phone and are happy to pay the money then they need do nothing. However, I suspect your inference is that they would rather not have Welcome taking money from her account at their whim. In that case I would suggest that she calls her bank, tells them that she has lost her card/washed it in the washing machine/it has split in half/whichever story she feels easiest telling, and asks them to cancel the old one and issue a new one. This will have different numbers, and Welcome won't be able to take any money any more. (Do make sure she takes enough cash out of her account to get her through the week or so it will take for the new card to arrive before she phones the bank.)

 

Hi, Thanks for the reply.Have been reading this thread all weekend.It is amazing.(Still only on page 93:D)

 

Have had a look at the paperwork but all daughters boyfriend has is a Statement of Price...which he had to sign???

We have today requested a copy of the agreement which he says he can't remember signing.(They have taken him for everything...ppi Accident ins and Lifecare for 5 years ...even though the agreement is for 3years)So we will see.

 

As for the payments he has requested Welcome NOT to take anymore payments from my daughters card and he is going to pay cash at the local office every week.They seem to have agreed to this so again...We will see.

She did ask the bank for a new card and they are sending her one but they have said this may still not stop the payments although surely it should if that card is cancelled.

 

Thank you all for taking so much trouble to keep people informed...I shall now return to page 93 and hopefully will catch up soon.

Dawnytrishxx

 

ETA I will start a new thread when I get a copy of the agreement and get me head around all of this.Thanks again.

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Can someone please point me in the direction of, or give me a template for putting my account into dispute please? I have asked a few times before, but no help yet :o( Welcomes last day is friday, so I want the letter ready to send just in case they dont offer me the right outcome. I really do need the templates, so if someone could help me it would be great, thank you

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Can someone please point me in the direction of, or give me a template for putting my account into dispute please? I have asked a few times before, but no help yet (Welcome's last day is friday, so I want the letter ready to send just in case they dont offer me the right outcome).

 

B4bod, I presume you are asking for a letter for when Welcome have failed to provide you with a copy of your agreement following a CCA request? If so here is the template:

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

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Hi am looking for some help and advice with welcome.

 

I took a loan out in 2006 for £2000 which i was paying £210 back every month. I lost my job and was told my ppi didnt cover me so i cancelled it i was unable to make the £210 repayments. I spoke with them and agreed over the telephone that the amount would be reduced to £70 which i paid over the telephone for that month. I never received anything through the post to reset up the dd but the following month they had taken £70 from my debit card which as i was unaware they were doing this made me go overdrawn resulting in charges...

 

Since then i have written to them at least 6 times telling them i could not afford to pay £70 every month as am now on benefits and received no reply. I offered £25 until i get back into work i even sent income/expenditure forms. I went to the office to find it wasnt there anymore and when i called them could never get through to the office.

 

I appreciate i should be keeping up payments and have got myself into debt with them through not paying which i hold my hands up to.

 

I moved last year out of the area and havent told anybody as yet as the reason i left was to escape abusive bf but thats another story and dont want to be found. I have had my mail redirected and today received an attachment of earnings order for over £7000. Apparently a company called progressive and youngs and sons have taken me to court which i havent received and i have now a ccj on my file.

 

I am not working at the moment and have no idea how i am going to repay £7000. I am a bit wary of going to CAB as i cannot have debt collectors coming to my door.

 

Any advice would be helpful thank you

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I think i put my thread in the wrong place so i will try again sorry

 

Hi am looking for some help and advice with welcome.

 

I took a loan out in 2006 for £2000 which i was paying £210 back every month. I lost my job and was told my ppi didnt cover me so i cancelled it i was unable to make the £210 repayments. I spoke with them and agreed over the telephone that the amount would be reduced to £70 which i paid over the telephone for that month. I never received anything through the post to reset up the dd but the following month they had taken £70 from my debit card which as i was unaware they were doing this made me go overdrawn resulting in charges...

 

Since then i have written to them at least 6 times telling them i could not afford to pay £70 every month as am now on benefits and received no reply. I offered £25 until i get back into work i even sent income/expenditure forms. I went to the office to find it wasnt there anymore and when i called them could never get through to the office.

 

I appreciate i should be keeping up payments and have got myself into debt with them through not paying which i hold my hands up to.

 

I moved last year out of the area and havent told anybody as yet as the reason i left was to escape abusive bf but thats another story and dont want to be found. I have had my mail redirected and today received an attachment of earnings order for over £7000. Apparently a company called progressive and youngs and sons have taken me to court which i havent received and i have now a ccj on my file.

 

I am not working at the moment and have no idea how i am going to repay £7000. I am a bit wary of going to CAB as i cannot have debt collectors coming to my door.

 

Any advice would be helpful thank you

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Hi everyone,

 

I have contacted Watchdog so let's see what happens now.

 

Voda

 

Hi again everyone,

 

Over the weekend, I am going to contact Watchdog and a thread that is over 400 pages long should be of great interest to them.

 

If any ex-Welcome employees would like to PM me, then I await your message with great interest.

 

I would be happy to meet up with anyone from here and go to see their research team in person and/or meet somewhere in private as you don't know me and I can then prove that I am a Welcome customer and totally genuine.

 

Bye for now

 

Voda

 

PS. I would love to see this shower on the box.

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Hi everyone,

 

I have contacted Watchdog so let's see what happens now.

 

Voda

 

Dominic littlewood is looking for people to at the moment Voda See the announcement at the top of the threads page!!

It might be worth it under the being treated unfairly heading!!

 

b-o-2

 

Heres the link

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=248&a=157

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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what will happen to our loans post if they arent right

 

Are we any further forward yet??

 

Is there anything that can go on open forum yet ??

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Hi b-o-2,

 

Brilliant.

 

I have just sent Dom an e-mail.

 

Thank you so much for the link.....:)

 

I really like the guy and let's hope that he looks into this.

 

I warned him that he and/or his researchers have over 400 pages to read going back to 2007 !!!

 

Nitey nite

 

Voda

 

Dominic littlewood is looking for people to at the moment Voda See the announcement at the top of the threads page!!

It might be worth it under the being treated unfairly heading!!

 

b-o-2

 

Heres the link

The Consumer Forums - Announcements in Forum : Welcome Finance

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Hi b-o-2,

 

Brilliant.

 

I have just sent Dom an e-mail.

 

Thank you so much for the link.....:)

 

I really like the guy and let's hope that he looks into this.

 

I warned him that he and/or his researchers have over 400 pages to read going back to 2007 !!!

 

Nitey nite

 

 

:D:D DON'T GET DOM..GET EVEN!!:D;)

 

LETS US KNOW HOW IT GOES...:D

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Hiya Postie,

 

Not too much been going on in your absence except that I have informed Watchdog and Dom Littlewood of this huge thread.

 

Nite

 

Voda

 

hi people

 

ime now back on line and ploughing through all my messages

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I know someone who has been offered 14k secured loan from welcome finance this month (seen the agreement), how can this be?

 

this has a very bad smell indeed

cattles invoice finance has gone,

welcome do not have the funds to lend, its all going to the bond holders the loan receipts

 

welcome has to make a few loan agreements but theses are to exsisting customers and i believe at some thing like 80 % apr

 

in other words

 

pure clap trap

 

welcome finance has now gone in all but name

 

even there collection dept has been closed down and the office shut up shop

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