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

Capquest - Please Help!


Timbo84
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6125 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

Hi,

 

Sorry pretty new to this.

 

I have had a company called Capquest contact me 7 days ago stating I owe money to them from an RBS Account and Loan I had previously.

 

They are threatening to take me to court I rang them last week and got through to someone who stated:

 

1) They will not accept a monthly payment. Tough.

2) If I do not pay in 3 days the full amount they will send bailiffs to my parents house.

3) I will go to court blackmarking me and my family for 6 years.

4) They will not talk about the matter at all.

 

That was 3 days ago...

 

Rang today and got a helpful lady who said I could pay monthly and to talk to my account manager. The man I spoke to works under him. I rang back to try and arrange something and asked for my account manager. The same man took the phone and said wheres the money. I said I could not get it and he started saying I had been lazy I had not got the relevant legal advice I had not tried to get a loan and that I will go to court and thats the end of it. I emailed him to show I had applied for a loan and he just said because my account is with Natwest I will get rejected and that I had obviously not bothered.

 

He then said that the only thing he could do was send me to court and send the bailiffs round. He then started saying i was being sarcastic after i said the word "perfect" and asked me what i meant by it and why it was perfect that i am going to court i asked to speak to my account manager and he said he was my account managers boss (which he isnt) and then said dont bother ringing again and hung up.

 

Any advice is welcome. Please!

Link to post
Share on other sites

My advice after dealing with these sharks is

A) DO NOT GIVE THEM A PENNY.

B) DO NOT SPEAK TO THEM ON THE PHONE AGAIN.

C) CCA THEM!

Put capquest or crapquest in the search tool at the top of this forum, make a cup of tea, sit back and read!!!

My post ARC,EGG,CAPQUEST MESS should reassure you that you are not the only person who has been upset by this bunch of monkeys.

 

Do not let them upset you and come back and ask questions, there are lots of helpful and very clever people on this site ( I stumbled across after a runin with Capquest).

I have not heard a peep from them for months!!

Link to post
Share on other sites

Hi Timbo, welcome to the forum even if you had to find it under such circumstances.

 

Capquest are bullies, plain and simple. Once they get a sniff of you they won't let go without a fight.

 

However, that doesn't mean that you can't fight back. Take some time to read some of the other threads round here and you'll see how. But in a nutshell:

 

* Don't ever talk to them on the phone, other to insist that all communication is in writing.

 

* Ensure you include "I do not acknowledge any debt" in all your letters.

 

* If you can, send your post recorded delivery (£1.04 for a standard letter) so they can't deny receiving it.

 

* Send them the CCA request (letter N in the templates library), asking them to prove the debt exists and that they have the documentation to back it up. This is your legal right, and will only cost you £1.

 

* Read the OFT guidance on unfair business practice (sticky at the top of the forum) and you'll see just how a good DCA should behave. Then compare and contrast Capquest's behaviour and chuckle to yourself. (edit: putting pressure on a debtor to borrow further is a big no-no, for starters ;) )

 

* Don't let them grind you down. You're in good company here, and you've taken a good first step by posting.

 

Good luck!

 

PS: DCAs are not baliffs. Even in the highly unlikely event they send anybody round, it will be a debt collector, who has the same legal powers as the guy who pushes pizza menus through your letterbox. To get a baliff, first they'd have to go to court. And that's a very very very long way off, trust me, you'll stop this before it gets that far.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

Link to post
Share on other sites

First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.

 

Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.

This is achieved by requesting a copy of the Signed, Executed Credit Agreement via a Consumer Credit Act (CCA) request.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

It is best to send this request via recorded/special delivery as there are some inportant deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action.

 

I hope this clarifies some things.

Be VERY careful whose advice you listen too

Link to post
Share on other sites

Just some points of note

 

1) They will not accept a monthly payment.

They are legally obliged to accept any offer of payment.

 

2) If I do not pay in 3 days the full amount they will send bailiffs to my parents house.

 

Nonsense. They can not send bailiffs without a court order.

 

3) I will go to court blackmarking me and my family for 6 years.

 

There is no such things as blackmarking or blacklisting. They may take you to court to attempt to get a CCJ against you (this would only appear on your credit file no one elses). Without a copy of the credit agreement that complie with the Consumer Credit Act they can forget about making a CCJ stick.

 

With regards to suggesting that you get a loan to pay off another debt this is against OFT debt collection guidelines.

 

You must ensure all communication is in writing. Phone calls can b denied and as you have found out talking to them is a waste of time.

 

Send them the CCA request as VV has stated. Send it recorded and enclose a £1 postal order. Do not sign the letter. The template for the CCA request is here http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html template N.

 

Also send them the harassment by telephone letter here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

 

Have Capquest sent you a Notice of Assignment regarding this matter?

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.

Link to post
Share on other sites

Heh guys thanks for the help, they have been playing good cop/bad cop today. With a nice lady ringing me this morning trying to help me which I refused to comment too and told her I was sending the above letters too them, and would send an email as well with the information in today. I then just had a voicemail from the Manager who abused me and hung up on me telling me to ring him. The lady actually stated that they are going against no regulations in asking me to get a loan to pay this back!!!

 

I will ring him now but I have printed off both letters and if he says anything to me I will just real off the relevant information. Ill let you know what he says :)

 

Thanks for the help again made me feel so much better this morning

Link to post
Share on other sites

NEVER call these "people" as the will get you to agree to anything !!!

It takes balls to talk to a DCA, so it's best not to.

 

You are perfectly within your rights NOT to answer the phone !!!

If their calls continue I'd consider getting "choose to refuse" from BT or even changing your number.

Now you could send them a "do NOT call letter", but they'll probably ignore it completely.

Be VERY careful whose advice you listen too

Link to post
Share on other sites

This guy is such an idiot im not even going to say anything just see what threats he has whilst I record it and then say I have sent a letter detailing I want all communication in writing from now on, it has gone special delivery today. Then hang up :)

 

Will give me some satisfaction back.

Link to post
Share on other sites

however if they still insist on ringing you you could just put the phone down and leave them ranting at thin air and running up their phone bill. just a thought if you leave the line open (apart from not being able to use your own phone) does that mean they can't use thier particular phone?

Link to post
Share on other sites

Timbo this WILL certainly annoy them and seeing how the CapQuest call monkeys DON'T have a sense of humour, you'll end up being put on the "special attention" list !!!

 

Now if you do end up answering the phone to them simply refuse to respond to the security question. They then MUST end the call.

 

I'm serious here.

 

I have some experience with dealing with DCA's and CapQuest rank up as number #2 in the bad telephone experience table after RMA.

They will NOT listen to anything you have to say and will try and but in at every chance.

 

So save your time and ignore their calls.

Be VERY careful whose advice you listen too

Link to post
Share on other sites

The lady actually stated that they are going against no regulations in asking me to get a loan to pay this back

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

2.6.b covers it.

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.

Link to post
Share on other sites

Oops,

 

He rang again and I answered, he started trying to talk and I just said stop right there.

 

"Your office rang me earlier and I informed them that I have sent by special delivery a letter requesting my CCA agreement you have 12 days to respond to this"

"What is a CCA mr myname"

"A CCA is the credit agreement between yourselves and RBS stating whether I do apparently owe this money"

"Ok well we can..."

"Secondly I have sent you another letter stating you will no longer contact me by means of telephone or you will be breaking various acts ...(realed off most of the letter) ... please remove my numbers from the system and do not contact me again"

"Ok mr myname we will do that when and if we get the letter you say you have apparently sent. Are legal team will then liase back with you."

"Excellent we are agreed, goodbye Mr Murphy."

 

Put the phone down never felt better.

Link to post
Share on other sites

WELL DONE YOU!!

Bet you feel better this evening??

You have stated the facts now plain and simple, all future correspondence should be in writing. If not there is a telephone harrasment letter on this site somewhere, I will try to post it if I find it!!

Link to post
Share on other sites

Heh thanks I have the letter someone posted earlier. Thanks for all your help and Ill keep you informed, fingers crossed I can learn from this and help someone else out now. I owe you all a beer... Well as soon as I pay this off :)

Link to post
Share on other sites

Capquest are the reason I found this website, must put them on my Christmas card list!

I had an unpleasant phone call with them and would agree with the previous advice given, never speak to them on the phone, my account is now on hold until they come back with a copy of the CCA.

Don't know if i'm coming or going!

Link to post
Share on other sites

Capquest are the reason I found this website, must put them on my Christmas card list!

I had an unpleasant phone call with them and would agree with the previous advice given, never speak to them on the phone, my account is now on hold until they come back with a copy of the CCA.

 

 

ME TOO!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...