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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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I will wait until I received the amended report from Equifax as they duplicated entries and when I drew this to their attention last week they said that they would send me out a new report. I was also told that a trace would only last one year and on my report one trace was on there over a year. I just do not believe them when they say everything drops off after 6 years as Equifax report clearly not correct. if I had not done a CRA check then I would never have know about these entries and it would have ended up on my file for god know how long.

 

Who are these people that are suppose to be looking after our data - it all seems very dangerous to me.:rolleyes:

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I just do not believe them when they say everything drops off after 6 years as Equifax report clearly not correct.

 

I think you'll find the CRA's don't say the old data 'drops off'. In truth it will be date-barred and it is their IT system that permits what entries to display. For argument's sake, lets assume the ICO decides after intense lobbying that credit data should be available for a longer period than at present (say 10 years instead of 6 - and lets remember the 6 years isn't enshrined anywhere as a fixed period of any sort). At a stroke, all 10 years of your existing data will magically appear on your file. Data is worth a lot of money, and the CRA's and going to let anything 'drop off' if they can possibly make a buck out of it.

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Buzby - I agree with what you say they will keep as much as possible on their files if they are going to make a buck out of it.

 

I feel that all this data about people which affects peoples lives should be control by the government and not keep to make a profit from. Does this mean that date can be kept on CRA files forever?:|

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Forgot to mention that I have just heard on the bbc news that Experian has lot 11% off their share due to what is happening in America. I feel sooooooooo sorry for them as this poor people should not be feeling the crunch!!!!!

 

Also, does if also mean now that Barclays Bank has lost over 1 billion due to the Credit crunch in America, will they go chasing us peoples now with mortgages, loans credit cards, if they should get in arrears though no fault of their own, so that Barclay can make up their losses????????????:?

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Actually, I don't trust the government with it either. Their PPP would ensure they'd sell the right to store the data to a 'carefully selected' and approved supplier. Yes right! I'd trust my family with my data, but no-one else! :)

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Well I never did! Has anyone seen the latest figures from the Credit Services Association?

CSA POSTS LATEST PREDICTIONS ON DEBT

 

CSA POSTS LATEST PREDICTIONS ON DEBT

 

Date: 13-11-2007

The Credit Services Association (CSA), the voice of the debt collection industry, has posted its preliminary predictions for 2007/8 for the amounts passed to its members for collection.

 

The CSA believes that the figure for the total passed for collection will rise to c£22.7 billion by the end of 2007, and that this figure will increase to between £23.9bn - £24.3bn by the end of 2008, although it warns the real figures may be higher still.

 

Work from independent consultants suggest that growth in debt sales over the next three to four years is likely to increase by 20%+ per annumbased on the fact that the debt mountain may be reaching its peak: consumers are tightening their belts against the background of a credit squeeze and access to credit is becoming increasingly difficult as lenders tighten their lending scorecards.

 

The speed of the ‘new’ debt is also going to be increasing. Over-indebtedness will be accelerated by more fixed-rate mortgages becoming variable at higher rates and access to new credit becoming harder.

 

The rise in the LIBOR, and the fact that most UK lenders have still not announced losses that may be linked to the US sub prime exposure, could also exacerbate the situation.

 

Total debt passed for collection:

 

September 00 £5.2 billion

 

September 03 £8.6 billion

 

September 06 £21 billion (this figure comprises £15 billion ‘traditional’ underlying debt and £6 billion of

debt sale*)

 

* The rate of growth in the underlying debt worked by the industry will in future be made up of ‘new’ debt coming in for collection as well as some of the ‘worked’ debt coming out.

Gone up quite a bit then hasn't it?:rolleyes:

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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How much of that is unenforceable?

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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Experian Prospect Locator

Experian is looking like a goldmine for enterprising Debt Collection Agencies.

Have a click through the tabs on that webpage and you'll see the wealth of information they offer on every citizen in the UK.

Now who's to say that my theoretical company couldn't buy the data?

I don't think I'd need a credit license.

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 also bet that theses people who have made the cock-up at the Banks will get big bonuses and maybe get a large golden handshake as well, they will not have to worry about door steppers turning up and harassing them. The poor people who have had no choice but to take out a mortgage, loan to get a roof over their head will be thrown out of their home and maybe left empty and be vandalised and bank would prefer that to happened to peoples home rather than letting the owners live in them – that is what has/is happening in America and it will follow here as well. :Cry:

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From Telegraph here:

Experian receives credit reality check

 

 

By Philip Aldrick

Last Updated: 12:44am GMT 16/11/2007

 

 

Credit checking group Experian has become the latest victim of the liquidity crunch after warning that organic sales growth will slow due to the turmoil in world financial markets.

The shares tumbled 44 to 430½p after chief executive Don Robert said: "We will be growing at a slower rate than hoped... the second half is likely to be slower than the second quarter, which posted 5pc organic growth."

Experian had guided the market to expect sustainable "mid-to-high single digit" performance.

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However, Mr Robert said that the group's problems "came on us rather quickly" in late August as banks started to rein in their discretionary spending as the turmoil "caused everyone to be cautious".

More than half Experian's revenues come from financial institutions who use its credit checking services when chasing new credit card or loan customers.

Mr Robert insisted the business will pick up again once the liquidity crisis is fully digested, though he would not put a timescale on this.

"We do know that these institutions cannot stop attracting new customers and they need us for that," he said.

The revelation came as Experian posted a 140pc increase in first-half profits to $285m pre-tax. Total sales rose 16pc to $1.95bn, but the figure was boosted by acquisitions.

Organic sales growth was 6pc, down from 7pc in the first quarter and 8pc in its previous financial year. Mr Robert said Experian will still meet its full-year forecasts.

Experian was helped by strong acquisition spend in the first half, which totalled $1.7bn – including $1.25bn for a majority stake in Brazil-based Seresa.

Finance director Paul Brooks said he would "expect a quieter second half" as debts have reached $3bn.

Experian, whose shares have slumped since demerging from retailer GUS at 562½p last October, will pay an interim dividend of 6.5 cents on February 1.

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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More than half Experian's revenues come from financial institutions who use its credit checking services when chasing new credit card or loan customers.

Mr Robert insisted the business will pick up again once the liquidity crisis is fully digested, though he would not put a timescale on this.

"We do know that these institutions cannot stop attracting new customers and they need us for that," he said.

Use its credit checking services when chasing new credit card or loan customers.

 

Credit checking services used to chase new customers?

This isn't saying someone who's checking the credit file of an applicant for a credit card or loan, is it? It's saying 'chasing new customers' - ie. trying to get new customers!

In other words, more than half the revenue comes from businesses interested in the information they provide, to find new customers. Which means using Experian's 'marketing expertise' and 'uparallelled access' to data on UK citizens. Look at that sentence, "We do know that these institutions cannot stop attracting new customers and they need us for that... "

Does any of this balance in any way with the apparent offer of a 'free credit check'?

They are information brokers, and there's a hell of a lot of stuff going on under the surface.: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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Use its credit checking services when chasing new credit card or loan customers.

 

Credit checking services used to chase new customers?

 

I don't think there's any way you could interpret that as consensual processing. Might be worth referring a complaint to the ICO?

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Dam - I miss that, I am having so much trouble with Equifax regarding my data, they have been duplicating entries on my report which I am contacted them about also they are leaving data on my file that should have fallen off as confirmed by them but it is still on my file. This organisation has such gall it is beyond belief.

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I missed it too A1. Will see if they're showing it online.

Allwood - top stuff about Equifax, saw your earlier posts. Just sorry they can cause so much distress and not apparently give a flying fig about the actual people the credit records are about! :evil:

The 'trace' from BCW we both had on Equifax is so going to be chased up by us. It's part of a much bigger TSB thing.

But tomorrow it's DLC... We're going to ring the Land Registry for an appointment, taking the letter DLC sent me. I don't think the Land Registry are in any way involved the way CRAs are, but I'd like to see if a 'successful application' by DLC (which sounds very official) was actually recorded anywhere on our Land Registry record.

Things for us are at a snail's pace at the minute, as we're both under the weather. But we'll catch up soon! :)

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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