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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
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      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.  

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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.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I am sure that Frogboy and Uwecan said that RLP a) helped the vulnerable and, b) dropped cases involving those with serious mental illness. We thought that this was the usual RLP bolleaux, and it seems we were right.

 

Yep, you were right. Talking of Frogboy, where IS she?

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Yep, you were right. Talking of Frogboy, where IS she?

 

Not been around since yesterday afternoon. Frightened off??

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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[Frogboy's] not been around since yesterday afternoon. Frightened off??

 

She could be busy explaining herself to (a) Shakespeares (b) A Retailer © a lot of other retailers. Oh, and looking for a new job.

Edited by Myddelton
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A lot of guests on this thread recently, including right now. But, strangely, none of them posting about how they have received a County Court claim from a retailer (or even A Retailer) in relation to an unpaid civil recovery demand. Is there no-one out there who's received a civil recovery demand recently and needs advice on what to do?

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As regards liability for their conduct,I would have though ALL parties involved in pursuit of demands for payment of monies where there was no recourse to do so,would be equally responsible.

Owen was very quick to talk about joint liability....

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Last night, I followed Martin3030's example, and started watching The Matrix. I didn't get very far, as Mrs M wanted to go to sleep, but I got as far as this statement by Morpheus:

 

"The Matrix is everywhere. It is all around us. Even now, in this very [court] room. It is the world that has been pulled over your eyes to blind you from the truth."

 

Does Morpheus work for The Retailer Who Cannot Be Named? Or for TSS Security (who CAN be named)? Or for Retail Loss Prevention (who can also be named). Maybe Frogboy can tell us. Or maybe not. She doesn't seem to have any time for us right now.

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No I think she is busy looking for a cheap hostel in Oxford to book for the handing down.

Rumour is that she is now counting every penny.

Mr T might share his chips...........

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Morpheus: "Unfortunately, no one can be told what the Matrix is. You have to see it for yourself."

Yes, well, we did try to see it for ourselves, but The Retailer Who Cannot Be Named refused to disclose it to us. Their chief witness was happy to witter on about it in the witness box, as if its application to the sum demanded by RLP explained and justified everything, but he and his bosses didn't want us to actually see it.

Edited by Myddelton
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Its obviously an invisible Matrix-or else maybe you have to go to Specsavers to see it ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Theres a thought too...I wonder if we will see an amended Matrix for the other case scheduled for May ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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There could even be another order for anon again but this time by the claimant.

 

That reporting of the case be referenced as A Retailer with evidence from data M vs Mr X

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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There was once a poor claim for loss

With very bad maths from the boss

with eyes open wide

She just couldnt decide

Or even put the right case across.

 

The Police took ages to come

but only 10 minutes said some

I might be wrong

When I said was so long

was replied with a tone that looked dumb.

 

We agree on the order said O

But 10 seconds later said no

I need to confide

As my client cant decide

If ageeing will cause us a woe.

 

For 10 minutes there was suspense

Such agreement could be immense

a call higher up was needed

before could be conceded

But the call did not make too much sense

 

If all this sounds confusing

It was really quite amusing

As RLPlink3.gif passed notes it O

He was not sure which way to go

It was the Matrix that was main choosing.

 

But in Court RLPlink3.gif took a back seat

Mr T was taking the heat

The submissions were fumbled

As the Matrix was rumbled

Yet A.R could not stay in her seat.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Obviously wasted in the wrong job Martin.

 

Presumably A.R. couldn't stay in her seat because she was getting ready to jump out of the frying pan & into the fire. Shame because I hear that frog's legs can be a delicacy ...

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A few thoughts on anonymity. As is clear from some of the above posts, the retailer claimant in the Oxford County Court case has requested anonymity in the judgment, transcript, citation, reporting by the press and others, etc etc.

 

For the record, I (and others) have no objection - repeat, no objection whatsoever - to A Retailer requesting and being granted such anonymity. In terms of taking this issue forward, it matters not a jot whether A Retailer is identified or not - the identify of the retailer is irrelevant, and all that matters is the judge's interpretation of the law. He may rule either way (though somehow I doubt A Retailer would be seeking anonymity if they were sure they were going to win), but the losing party will in any case have a right of appeal to the Court of Appeal, where any judgment will be legally binding. I am sure both parties want to see the law properly tested and clarified.

 

That said, I am not alone in being somewhat surprised that A Retailer should want anonymity, for two reasons. Firstly, the British Retail Consortium has stated that its member retailers are wholly committed to "open and transparent" civil recovery practice. And it's simply not clear to me how anonymity for A Retailer is consistent with that public commitment. This CC claim was brought by A Retailer and RLP to justify their civil recovery practice. So, why not do so openly and transparently?

 

Secondly - and far more importantly - we have been told repeatedly, by the British Retail Consortium, by retailer users of civil recovery, and by the civil recovery agents such as RLP, that one of the two main purposes of civil recovery is to deter shoplifting and retail crime. (The second main purpose is to recover the cost of such crime to the retailers, but as the practice would appear to recover less than 0.2% of the £4.4 billion annual cost of shoplifiting and other crime to the retail sector, it would appear to be somewhat ineffective in that regard).

 

In itself, deterring shoplifting and other retail crime is a laudable objective, that I for one fully support. But it is not clear to me how anonymity in the Oxford CC case will assist A Retailer to deter crime. For a practice to be a deterrent, those who it is intended to deter need to know about it, surely? Frankly, I doubt many of those thinking of going out shoplifting will first take the time to read up on recent County Court judgments, or even to read this thread. But should they do so there is now no way they will be deterred from going shoplifting in A Retailer. Put another way, A Retailer and other major users of civil recovery should surely be shouting from the rooftops about it: "don't come and shoplift here, or you'll get a civil recovery demand and, if you don't pay that, we'll issue a County Court claim against you."

 

Similarly, it is not at all clear to me (or others) why A Retailer would want to object to anonymity for the two young defendants, if it cannot have anonymity itself. Whether or not the girls are granted anonymity will make no difference to A Retailer's future ability to deter crime, or to recover the cost of crime though fair and proper legal action. (And for the record, no one at Citizens Advice has ever objected to retailers using legitimate and fair means to recover the cost of crime from proven offenders - our objection is simply to the unfairness of and lack of any clear legal basis for current civil recovery practice).

 

But, finally, there is a more important point to be made (and it was made by the defendants' counsel in court): if the two young (and, at the time of the offence, foolish and misguided) defendants are not granted anonymity, then there is a very great risk that this will be used in future to deter anyone else thinking of defending a County Court claim issued in pursuit of an unpaid civil recovery. Did someone mention 'equality of arms'?

Edited by Myddelton
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Hi Myddelton

 

These retailers, including 'the Retailer with no name', don't need RLP, thats a fact (what exactly do they do?) by using RLP the Retailers can distance

themselves from the business RLP carry out in the name of justice. You also have to bear in mind the millions these Retailers spend telling us how wonderful they are and we consumers should shop with them. Something similar, is how Barclaycard use Mercers to collect debts for them, but try to hide the fact that they are their own inhouse debt collectors. These Retailers will try to protect their corporate image at all costs.

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Just checked to see if RLP have posted this case on their up to the minute 'cases sent to court page'. Bizarrely, it's not there; they must be busy with other stuff.

 

This is still on their website:

 

"Why are Fixed Rates Used For Low Value Claims such as low value shoplifting?"

 

Where the theft is low value, our clients do not wish their claims to appear disproportionate. Rather than seek the full extent of their losses, they therefore agree to seek a contribution to their losses. This is an acceptable means of streamlining the process of recovery, thus making it less expensive for the both the retailer and the shoplifter. The retailers bear the losses they opt not to recover.

 

As the actual loss is far larger, than the contribution to loss claimed, this is a benefit to the Defendants who steal low value items. When considering the costs of proceeding such low value claims, it is further disproportionate to spend a lot of time and money quantifying each individual claim. If companies were to do so, they would have to claim the full amount to make any claim viable. The courts have accepted this type of evidence of quantification, even in higher value claims.

 

Where a Defendant is a minor, a client may offer a significant discount to those fixed sums, in the hope that if they have to pay from their own money, it will serve as a deterrent in the future.

 

In the mitigation of many cases, the case is withdrawn, on the basis that an individual does not commit any further tortuous acts, reserving the right to pursue both claims should there be such a further act. This again acts as a deterrent to crime.

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