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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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car2403 -v- HFC Bank (Default removal)


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Still watching with interest Car - HFC stitched me up the same way.

 

good luck

 

MAC

I'm not an expert so check everything I tell you, however click me scales if I've been useful.

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If I do bother to send something, it will be something like this; (I've done this to make sure I keep on track at the hearing anyway)

 

I did fax/post this to the Court/HFC Solicitors on Friday - no response.

 

Off to Court tomorrow morning...

 

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Good luck Chris

 

Let's hope everyone follows your paper trail correctly & doesn't get blinded by paperwork & side trails ....

 

Let us know how you get on.

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Is this for the Application hearing - where you both want the other's case struck out?

If you find my advice helpful - please click on my scales

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Is this for the Application hearing - where you both want the other's case struck out?

 

Yup - my app to strike out their claim and their app for summary judgment against me.

 

Can't see either happening, being realistic - best I can get out of it is chance to amend my defence/counterclaim, based on the info in their app. (which particularises their claim properly)

 

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Yup - my app to strike out their claim and their app for summary judgment against me.

 

Can't see either happening, being realistic - best I can get out of it is chance to amend my defence/counterclaim, based on the info in their app. (which particularises their claim properly)

 

Hello Car,

 

Just want to wish you all the best for tomorrow, I know you will do your best and hope that you are very successful. I more than most do realise the underhand tactics of these shysters.

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

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Best of luck Chris. ;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Good luck.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The judge has just finished his breakfast.

 

Rob

 

Now he's eating his lunch.:rolleyes:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The Judge was a very nice lady who made me feel really comfortable about the whole thing. She explained (read that as "told me how to suck eggs") what Summary Judgment is and then asked the solicitor for HFC why they thought they could have it - it was funny to watch yet another unprepared solicitor (bless her, it wasn't her fault!) waffle on about something she knew nothing about.

 

Their application for SJ was clearly retaliation for my application against them, so the Judge gave her sharp shift on that one. Each of the points I rebutted with the exhibits I'd attached to my application, so that was that.

 

Once the Judge saw the detail needed to make a decision on their application, she just said that these issues weren't going to be decided today - it would be unjust to hear this level of detail in a 45 minute hearing, so she has given HFC an option to withdraw their application, with a side note that she said the application hearing for summary judgment would take longer and add unnecessarily to costs, (I didn't get that bit) so adjourned the summary judgment hearing for 28 days for HFC to consider withdrawing their application. (I won't go in to detail, but the judge has made it clear their application should be withdrawn given my defence)

 

"Now I'll turn to car2403's application", she said... (some background for those reading this for the first time)

 

I applied for HFC's case to be struck out due to insufficient particulars of claim under CPR Part 16. I aslo asked for summary judgment as a result, HFC failing to comply with my CPR Part 18 request and S.A.R. sufficiently too!

 

The Judge totally agreed with what I said and even complimented me on the application. She asked the solicitor why the claim was this short, who pointed out it was issued via MCOL, to which the Judge said "I haven't looked online, but I've seen other claimants (replace that with "CAG claimants") that have far more detail in their POC - this level of detail is unacceptable, as the Court, let alone the defendant, doesn't know what the claim is about, so can't adjudicate on it".

 

The Judge wouldn't give me summary judgment, for the same reasons, give or take, as those that she gave to HFC's application - which was fair.

 

I was asked, so admitted, that they had further particularised their claim by submitting their application for SJ with more detail than the claim itself and said that should they rely on the evidence in the application notice as being their POC, I'm happy to continue and defend on that basis. Judge happy with that. Solicitor "had no instructions to object, but that seems reasonable and fair". (If only I had a pound for everytime I've heard that one!)

 

The Judge saw through their pathetic attempt to complicate things, so said she would order them to further particularise their claim sufficiently, whether by relying on evidence already submitted or restating their claim, to comply with CPR. She asked me how long I was willing to give them to do it, so I said 14 days, (knowing how long it will take HFC to get these instructions back and then reply!) to which the solicitor couldn't object. ("No instructions to object, but fair...", blah, blah, blah...)

 

I then asked if I could seek permission to amend my submissions, (defence and counterclaim) in line with this new evidence and HFC's new submissions, if there are any - and the Judge agreed that was necessary.

 

The Judge was trying to wrap up the hearing, (after overrunning with the previous appointment, I must add) but asked if I had any further directions I would like the Court to consider. I asked her to make an "unless order", (which means that unless HFC particularise properly within the timescales given, the claim would be struck out without notice) which she didn't seem too keen on doing. Again this solicitor couldn't object, so the Judge asked why I wanted that to happen - I told her about the lack of reply to my CPR Part 18 request, (with supporting exhibits to back up my argument) and that HFC still hadn't fully complied with my S.A.R. from August, (missing account statements/agreements/terms and conditions) which swayed her in my direction. As their solicitor didn't have grounds for objecting, (although she tried to say I failed to reply to their requests for information, which I blew out of the water as they haven't asked for anything other than payment of £5k - each letter of which I have replied to declining it and can prove it!) the Judge has included the "unless order" as part of case management directions! This is the best bit of news today!

 

So, after a nice day out to Newcastle, (which isn't my local Court, which the Judge ripped in to HFC about as they had my address wrong even after being told they had - "It's very important that you identify the defendant correctly, which is ANOTHER clear breach of CPR on your part, HFC", she said!) here's what the Judge has ordered;

  • The claimant (HFC) has leave to file amended, to fully comply with CPR, by fully pleading its particulars of claim on which it seeks to rely, within 14 days; and
  • The defendant (that's me) has leave to file an amended defence and/or amended counterclaim, if so required, within 14 days thereafter; and
  • HFC's Summary Judgement Application hearing is adjourned for 28 days to allow the claimant to consider it's position on the application made; and
  • If either party should fail to comply with the order, the claim or the defence and/or counterclaim, will be struck out without further order.

NB: I was taking shorthand when she read the order out, (very quickly!) so the actual order may not reflect this, but it's there or there abouts. (I'll amend/repost the order when I get it if it's different)

 

So, all in all, not a bad outcome;

  • HFC has to reconsider it's POC, being struck out if they don't. Either way I can amend my defence/counterclaim to suit.
  • Their application for Summary Judgment still stands, but they've basically been told to withdraw it as the Judge won't be happy if they continue to carry on as they have been doing so - the hearing for SJ will be relisted after 28 days if they haven't withdrawn it.

The Judge did say that allocation hasn't taken place, so she had one question for me - "do you owe this bank the money they claim you do?". My response was "no", as the agreement is unenforceable under the CCA and, in either case, if it was enforceable, the account has been unlawfully Defaulted/Terminated due to the charges applied. She said that she appreciated me answering, as I didn't have to at that point, but this would help the Court allocate the case properly.

 

Obviously HFC want fast track, to cover their costs if they win - I've objected as it should be a small claim due to the amount owed. (£3.5k) Once the Judge looked at the cases I was relying on, she said that it will most likely end up on fast track, as "there is no legal precedent in the small claims track". (Now, I wasn't going to say that she was wrong, but she is! There are precedents that apply to the SCT - any case from a Court above this Court is binding on it in the SCT, but its own decisions aren't binding on it) I can see her point, as it will take more than the standard 2 hours to hear the full claim, as it has many different aspects to it, (agreement, charges, default, etc) so it probably will end up on the fast track.

 

I haven't conducted a case in the fast track yet, so this will be a learning experience for me and I'll need some support on procedure there. (I've been watching robcag's thread, which is going through the same process, but it's a little daunting to think I have to do that all on my todd!)

 

Anyway, looks just as I'd predicted, so hey ho and on I go...

 

(BTW, for those that are following my escapades elsewhere as well, I bumped in to the solictor that popped up in my recent Barclays hearing - he totally ignored me, but I could tell he recognised me and was struggling to place my face! Small world, this legal malarkey!)

 

Take it easy...

 

;)

 

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Congratulations Chris, I'd say you achieved a great deal today! :D

 

As to your reference to my thread and appearing in court under the fast track, it will be a first for me also (I haven't even appeared in a small claims court), but at least you have some experience of courts which should hold you in good stead. ;)

 

Cheers

Rob

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I would say that was a pretty good day's work there Chris. need a thumbs up smiley here :)

 

I think had you been asked yesterday what you thought the outcome would be you would not have dared hope for what you've got.

 

Apart from the track issue, which may still go your way I think you pretty much won the battle - now on with the war :lol:

 

I think they may come back at you with all guns blazing though as you've sent a very firm warning shot across their bows!!

 

gh

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Good job Chris, well done.:)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Well in, Car! :)

 

Do you know whether you will have the same judge at subsequent hearings? If so, she seems to be a good one - i.e. she's not willing to be hoodwinked by the opposing solicitor. All bodes well . . .

 

BAE

 

I doubt it will be the same Judge, as it needs transferring to another Court more local to me on allocation. (I suppose I could get lucky, but it's unlikely)

 

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  • 2 weeks later...

Right, the mods have been working hard for their money and have seperated my second claim (that's me v HFC) in to a new thread;

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/134396-car2403-hfc-bank-default-2.html

 

I originally wanted only one thread, but it was becoming messy as HFC have taken different approaches on each claim.

 

If you want to pop over to that thread, and subscribe, feel free, as I'll need as much help with that one as I've had here - not least because I was in Court today (Directions hearing) and HFC have said they are going for Summary Judgment on the second claim as well... :eek:

 

(Note to self: remember which thread is which so these good folks don't get even more confused!)

 

BTW, if there is any posts missing from this one, just let me know and I'll fill in the gaps - I gave a list of the ones I wanted moved to the mods, (thanks Elsinore and Sea-Side Lady!) but I may have made a boo-boo along the way.

 

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I've received HFC's amended POC by email today;

 

Amended Particulars pursuant to the Order of District Judge X

 

PARTICULARS OF CLAIM

 

1. At all material times the Claimant was a company carrying on a consumer credit business and was the holder of a licence in respect of the same under section 21 of the Consumer Credit Act 1974.

 

2. By an agreement in writing (“the Agreement”) dated 25th March 2003 between the Claimant and the Defendant under account number ***** signed by the Defendant at ***** the Claimant agreed to make a loan to the Defendant in the sum of £5,177.00.

 

3. The Agreement, a copy of which is attached hereto, is a regulated consumer credit agreement.

 

4. By condition 3(1) of the Agreement together with the Schedule thereto it was provided that the Defendant would repay the said loan, together with interest at the annual percentage rate of 2.4% calculated daily and compounded monthly, by 108 equal monthly repayments of £53.34 on the 26th day of each month commencing on 26th April 2003. The total amount payable was therefore £5,760.72.

 

5. By condition 3(5) of the Agreement it was provided that the Claimant was entitled to add to any sums due all reasonable administration fees and all reasonable costs incurred in enforcing its rights or remedies under the Agreement. By condition 3(2) of the Agreement and the Schedule thereto the Claimant was entitled to charge interest on such sums due at the rate and in the manner described in paragraph 4 above.

 

6. By condition 6 of the Agreement it was provided that if the Defendant failed to pay any instalment within 21 days of its due date the Claimant may serve a default notice on the Defendant and require the Defendant to pay immediately the total amount payable together with any other sums due under the Agreement less any repayments made.

 

7. The Defendant failed to pay various instalments falling due from 26th November 2003 onwards.

 

8. On 9th August 2005 the Claimant served on the Defendant a default notice specifying an amount due of £168.00 and requiring the Defendant to pay the same by 19th August 2005.

 

9. By 19th August 2005 the Defendant had failed to pay the said amount and the Claimant was thereupon and is entitled under the Agreement to repayment of the whole balance outstanding of the total amount payable together with any other sums due under the Agreement.

 

10. The total amount owing as at 19th August 2005 was £4,992.49 comprised of the balance of the loan account including reasonable administration fees charged from time to time together with interest thereon to the end of the loan term.

 

11. The Claimant further claims a reasonable charge for collection in the sum of 832.24, making a total of5824.73.

 

12. Since the 19th August 2005 the Defendant has made payments totalling £771.00. Accordingly the sum claimed by the Claimant is £5,053.73.

 

AND the Claimant claims:

(1) £5,053.73

(2) Costs

STATEMENT OF TRUTH

 

The Claimant believes that the facts stated in this Particulars of Claim are true.

 

I now have 2 weeks to submit an amended defence/counterclaim, if I want to. I have some more plans to scupper HFC in my defence (missing prescribed terms! :o ) and I want to include all the charges applied to all other accounts that were consolidated in to this one, too. (Totals over £1500)

 

Something for me to do over the weekend, then ;)

 

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Don't you think this is interesting?

 

2. By an agreement in writing (“the Agreement”) dated 25th March 2003 between the Claimant and the Defendant under account number ***** signed by the Defendant at ***** the Claimant agreed to make a loan to the Defendant in the sum of £5,177.00.

 

The second set of stars is hiding my HOME ADDRESS when I took this loan out.

 

Now, consider this;

 

The agreement provided has been improperly executed under s.64(5), in that the agreement does not contain statements of the debtors right of cancellation (as required by s.64(1) CCA 1974 and Reg.2(3) of the Consumer Credit (Agreements) Regulations 1983 (SI1983/1553)) and that antecedent negotiations took place with the creditor prior to the agreement being sent for signing, that signing taking place away from the creditors’ premises making the agreement cancellable as per s.67 CCA 1974 and the regulations there under

 

and;

 

Any application for an Enforcement Order under s.65(1) CCA 1974, as a result of the improper execution, under s.64(1) CCA 1974, (outlined in paragraph 44, above) must be dismissed by the Court pursuant to s.127(4)(b) CCA 1974

 

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