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    • 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.  Methinks stuff about the consideration period could be added but I'm too tired now.  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) 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). 4.2  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).  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 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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 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. 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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for 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 4) 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)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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    • 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.

       

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sosumi
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This is directly quoted from the Information Commissioner's Office here:

Dear Sir or Madam

Please send me the information which I am entitled to under the Section 7(1) of the Data Protection Act 1998.

If you need further information from me, or a fee, please let me know as soon as possible.

If you do not normally handle these requests for your organisation, please pass this letter to your Data protection officer or another appropriate official.

Yours faithfully

 

Could it be that simple?:)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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This is from the jargon buster on Data Sharing and Protection, from the Ministry of Justice:

http://www.justice.gov.uk/docs/data_sharing_jargon_buster.pdf

Personal data/information

Information relating to a living individual, from which that individual can be identified, or which can be used to identify a living individual in conjunction with other information held, (or likely to be held) by a data controller. Personal data/information includes expressions of opinions about that person, or indications of intent towards them.

Principles

The Data Protection Act 1998 requires that data controllers process personal data in accordance with eight Principles. These require that personal data are:

• fairly and lawfully processed;

• processed for limited purposes;

• adequate, relevant and not excessive;

• accurate;

• not kept longer than necessary;

• processed in accordance with individuals' rights;

• kept secure;

• not transferred to countries outside the European Economic Area without adequate protection.

Processing

The processing of personal data includes obtaining, recording, holding or carrying out any operation on the data.

Subject access

The right of data subjects to receive a copy of the information held about them, a description of why their information is being processed, and details of anyone who may see a copy of their data, to whom it may

be transferred, and the logic involved in any automated decisions taken on the basis of that data.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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... and here's the Data Protection Act Directgov webpage:

The Data Protection Act : Directgov - Rights and responsibilities

The Data Protection Act

 

The Data Protection Act regulates how your personal information is used and protects you from misuse of your personal details.

 

It provides a common-sense set of rules which prohibit the misuse of your personal information without stopping it being used for legitimate or beneficial purposes.

The details of the Data Protection Act are quite complex, but at the heart of it are eight common-sense rules known as the Data Protection Principles.

These require personal information to be:

  • fairly and lawfully processed;
  • processed for limited purposes;
  • adequate, relevant and not excessive;
  • accurate;
  • not kept longer than necessary;
  • processed in accordance with your rights;
  • kept secure;
  • not transferred abroad without adequate protection.

 

Organisations using personal information ('data controllers') must comply with these Principles.

The Act provides stronger protection for sensitive information about your ethnic origins, political opinions, religious beliefs, trade union membership, health, sexual life and any criminal history.

 

Getting access to your information

 

The Act, with some exceptions, gives you the right to find out what information is held about you by organisations. This is known as the 'right of subject access'. On written request, you are entitled to be supplied with a copy of all the information an organisations holds about you.

 

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Hmm not sure about that letter sosumi.

I was thinking more along these lines.

Data Protection Act 1998

Subject Access Request

Dear Sir/Madam

DATA SUBJECT: **Your Name and Address**

 

Please supply me with a complete breakdown and copies of all information held with your organisation.

 

Also details for every organisation that has accessed my data for the period which you hold records and any supporting documentation and notes.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which I normally use.

 

Please consider this a request under section 7 of the Data Protection Act 1998. I enclose the statutory fee of £10. You have 40 days in which to comply.

 

Thank you in advance for your assistance with this matter.

I would appreciate your due diligence.

 

Yours faithfully,

 

That should cover it.

Also you'll have to sign this one, but do it in such a way as to make photoshop specials impossible.

Normally I sign on a printed line like this; #_________*__________#

Be VERY careful whose advice you listen too

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Like this CB?:

Data Protection Act 1998

Subject Access Request

 

Date: 3-9-2007

Dear Sir/Madam

DATA SUBJECT:

Sosumi, Sosumi’s Address

(Maiden Name – Miss Sosumi)

 

 

Please supply me with a complete breakdown and copies of all information held with your organisation.

 

Also details for every organisation that has accessed my data for the period which you hold records and any supporting documentation and notes.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which I normally use.

 

Please consider this a request under section 7 of the Data Protection Act 1998. I enclose the statutory fee of £10. You have 40 days in which to comply.

 

Thank you in advance for your assistance with this matter.

 

I would appreciate your due diligence.

 

Yours faithfully,

 

 

 

________________

 

Sosumi

- Thought I'd add my maiden name, as they already have it. What about hubby's name, as they put him down on my credit report, ie. we're both obviously associated to each other.. that's why I'm wondering?

Yours is much better. :) I was drafting mine with ref. to the 8 data protection principles! :D I suspect that might be for later though? ;)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Has anybody seen this?:

CreditExpert Affiliate Programme

CreditExpert affiliate programme

 

Calling all websites! Make money by joining the CreditExpert affiliate programme. Whether you have a large or small site, your users can benefit from the CreditExpert product while at the same time generating you revenue. We provide you with a wide variety of creative; all you need is the traffic.

We will pay you for every FREE trial member that you generate, regardless if they cancel at the end of their trial. Since launching in 2004, we’ve gained thousands of members through our affiliate programme with many of our publishers generating serious money every week.

What’s more, credit-reporting services in the US are proven to be the best affiliate programmes. Here in the UK we have a great range of partners, from major portals to specialist financial sites.

Some key questions:

  • What’s in it for you?
  • For every ‘free trial member’ you generate CreditExpert will pay you a commission, regardless of any cancellations

  • What sites does CreditExpert work well on?
  • Financial, advice, loans, mortgage, and credit card sites
  • Property and car sites
  • Rewards and incentive sites
  • Shopping sites
  • Information and advice sites

  • What types of people want this product?
  • People who are applying for financial products
  • People who are concerned about their credit history
  • People who want to check that their information is correct
  • People who want to protect themselves from identity fraud - the UK’s fastest growing crime

  • Where can you target these members?
  • Generic websites - CreditExpert appeals to anyone who is concerned about their credit status
  • Before an application - are your users thinking about credit cards, mortgages or loans? If so they will be credit checked. Don’t let them be denied due to incorrect information, get them to check their credit report for free
  • After an application - have your users been refused credit? Let them check their credit report for free

  • Remember:
  • CreditExpert complements other financial products as it can play an important step in helping a customer get a loan, mortgage or credit card. Anyone with a valid credit card and UK address can join

So what are you waiting for? Click on the below link and enjoy the benefits of promoting CreditExpert

- So that'll be why the advert's everywhere then :evil:

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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do we need to send one to all three of the main CRA's, or are we just focusing on the one we are signed up with?

I'm eventually going to send one to all 3 (and the Land Registry!), but am going to have to space it out because of the cost Lolly. And Experian - one of their chief executives is going to host a 'focus group' at a big swish conference for debt collectors in September, about how they can access all our information.

Strikes me they're touting for business from consumers one way, providing it to debt collectors the other. So yes, I have to spend this tenner as wisely as I can, and I think they should be first on the list.:evil:

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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i cant remember where i saw it, but also somebody posted a link to the annual debt collection award ceremony! these people sit around in posh outfits, eating a fancy dinner, congratulating each other about how many results they have had over the past year! the best part about it is, one of the panel is the chairman of the CCCS! anybody else feeling a little sickened?

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Sosumi

 

Just read this bit from the Affiliate Programme info you posted in post #32

For every ‘free trial member’ you generate CreditExpert will pay you a commission, regardless of any cancellations

Think I will ask them for my "commission" then;) - I initially recommended CAGers to sign up for their credit report as it was FREE

 

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Sosumi

 

Just read this bit from the Affiliate Programme info you posted in post #32

 

For every ‘free trial member’ you generate CreditExpert will pay you a commission, regardless of any cancellations

 

Think I will ask them for my "commission" then;) - I initially recommended CAGers to sign up for their credit report as it was FREE

 

Yes BO, but why wouldn't you? You thought what most of us thought! :) xx

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Share on other sites

Sorry, CB, didn't mean to duplicate your post, was going to add - but then decided against it.

I've got my Credit Report here. It lists 'Financial Associations' - obviously it's my hubby, so if I ask for a SAR with the above letter they'll enclose everything in the Credit Report and then everything else as well? I just don't want to miss anything out! :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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It looks like our fiends (sic) at Experian are going to very busy dealing with SARS over the next couple of weeks. Just think if every member of CAG applied at once for what we are LEGALLY entitled to do. They may not have time to pass on all the information to all their mates in the DCAs

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Okay, I'm going to send this. I've changed it a bit, as I can refer to my printed CRF, but essentially it's CB's letter:

Post doesn't leave here until late afternoon, so if anyone sees any mistakes etc, please let me know? :)

Data Protection Act 1998

Subject Access Request

 

Date: 3-9-2007

Dear Sir/Madam

DATA SUBJECT:

Sosumi, Sosumi’s Address

 

Please supply me with a complete breakdown and copies of all information held with your organisation.

 

Also details for every organisation that has accessed my data for the period which you hold records and any supporting documentation and notes.

 

Please consider this a request under section 7 of the Data Protection Act 1998. I enclose the statutory fee of £10. You have 40 days in which to comply.

 

I previously subscribed to CreditExpert, and also requested a hard copy of my credit file from you, which you provided dated 23rd August 2007, ref: ********/**. You should therefore have all the details you require from me, but please let me know by return if you require any other specific information.

 

Thank you in advance for your assistance with this matter.

 

I would appreciate your due diligence.

 

Yours faithfully,

 

_____________ (signature above line as per CB's suggestion)

 

Sosumi

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Share on other sites

I've got a grave and genuine concern with the lack of diligence shown by CRAs when blindly accepting the word of a DCA.

 

I believe that a DCA should be required to provide proof, in the form of a signed executed agreement, that a debt exists before the CRA would even entertain the thought of recording a default on a person's file.

 

When an ordinary pleb like me complains to the CRA about an incorrect entry, we're told to speak to the DCA - who of course are as much use as a bottle of factor 4 suncream on the surface of Mercury.

 

It's a very one-sided arrangement, and it's starting to come to light just how cosy the relationship between the CRAs and DCAs really is.

  • 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 ;)

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so have i got this right? the CRA's help the DCAs by passing on our information, and the debt counsellors have been patting the DCAs on the back for a job well done! its no wonder the DCAs have been running riot, the people who are supposed to be helping us, the consumers, are actually helping them, the debt collectors, in the background. we havent stood a chance!!!

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so have i got this right?

Nail on the head, sadly.

  • 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 ;)

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