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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • 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?  
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Dee V GE Money/First National


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Hi all hope somebody can help

 

Just recieved response from First National / GE Money to LBA for £380 claim and query on account.

 

"Due to the length of time since the account was closed I am unable to determine the reason for the query registered on the account, I have therefore removed the query from the credit file records" Does this mean they have updated Credit Reference Agencies Files?

 

" As per my previous letter I am unable to agree to any refund of fees applied to the account" Previous letter stated blah blah - "As the OFT ruling did not include loan products, unfortunately these fees are valid and will not be removed." Next stage would be to file at court, However as I find it difficult to get to my court I have previously used MCOL but now MCOL are staying all cases defended, for all penalty charges not just bank accounts. Is it worth me going to my local court to file or is likely it will be stayed as well when defended. Unsettled to continue now as most courts staying awaiting result of test case. This seems really unfair for credit card and other loan cases when OFT case is only Banks, what are your thoughts please.

and advice

Kindest regards

 

 

Dee

Dee

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Thanks Chris

 

My court is Teesside Combined Court and as yet is untested for stays.

 

So I am lobbing one in on Tuesday to test the water.

 

Kindest regards

 

Dee

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Will update post, particularly for interest of Teesside Court

 

Thankyou

 

Kindest regards

 

Dee

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Hi

 

Going to do N1 Form tonight.

 

What POC do I use for N1 claim (Cant find one in library for loan company)and is it an updated one after the OFT test case.

 

Hope someone can come along and advise please.

 

Kindest regards

 

Dee

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http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

you could use this and just alter it to show that it was a credit agreement. Also you could use some parts of the new POC's that you feel are relevant, then just post it on here if you require some more help.

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Hi all :)

 

Unfortunately did not put N1 in last week as I didnt have funds until end of month.

 

I have tried to do my POC so it is evidently clear it is for A CC Claim.

 

Can any one advise me of the wording to use for "Brief details of claim" section so that it is apparant it is a CC Claim.

 

As yet it is not know if my court - Teeside combined court are staying claims. Does this mean that if it accepted by them when I take it in, will they let me know there and then if it will be stayed, and if not if I pay my fee can the court then order a stay at a later day.

 

Any advise appreciated

 

Kindest regards

 

 

Dee

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Money claim for return of penalty charges applied to the Claimants CC account by the Defendant

 

 

Keep it simple Deep try this as your POC should spell out the rest

 

As for stays the court I'm not sure, but you could always ask at the court what there stance is. They should have an idea what the DG's are doing

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  • 2 weeks later...

Hi

 

 

2 letters received from court

 

 

1. Notice of Issue deemed to be served by 16th Sept

 

2. Acknowledgement of service has been filed. Defendant has 28 days from date of service o file a defence. Attached with Acknowledgement of Service by First National that they intend to defend all of this claim. Both dated 13th September.

 

I haven,t done a Loan claim before only Current account and CC. Both settled as soon as I filed at court.

 

Is their a link for a court bundle for loans?

 

Do I need to prepare this now.?

 

What will happen now?

 

Any help appreciated.

 

 

Kindest regards

 

Dee

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:( Anybody there?

 

Anybody there? (Think that was an echo)

 

Seriously can anybody advise as post above.

 

 

Kindest regards

 

 

Dee

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Hi Dee I Have had a good look around and can;t find anything specific for loans. However I did find this, I think it will do the job. The legal argument is the same you just need to change any reference to a bank account and show it as a credit/loan agreement then include all the other relevant evidance to support your argument. I hope this helps.

 

 

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-

library/111522-advanced-court-bundle.html

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Hi Chris

 

Thanks for your reply, was starting to feel a bit lonely in this forum.

 

If I get stuck with bundle can I shout for you please.

 

I have never got to court bundle stage before as my other claims have always been settled as soon as I started claim. This was before the OFT test case though.

 

What should I expect to happen now?

 

 

Any advice greatly appreciated.

 

Kindest regards

 

Dee

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Hi Dee

 

From what I have read you will be instructed to supply copies of your bundle. You take two to court IE yours and the courts then you post one to the defendants sols. Their sols should do the same, so you should get a copy of their bundle. the bundles should contain everything that you and them will rely on in court.

 

You should Write to their sols while you are waiting for a court date and try and get them to settle, this is done to show the court that you have tryed everything to settle out of court and not waste the courts time. This will add some weight to your argument.

 

Keep a close eye on dates and court directions, If they don't keep to the courts timescales write to the court and try and get the defence set aside.;)

 

You can always give me a shout and i'll do my best to help:)

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Thanks Chris

 

think I am getting a bit confused.

 

First National Acknowledged with intention to defend claim on 13th September 2007. they have 28 days to file defence. Which will take up to 11th October. I haven,t heard anything at all as yet. How long will I have to prepare my court bundle when they do file there defence.:???:

 

Kindest regards

 

 

Dee

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You have loads of time. They have to file their defence. The court will advise you that they have submitted their defence. and advise you of the next stage. They will give you plenty of time. You can always ring the court to ask their advice. Good luck.

  • Haha 1

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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