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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • 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   -----------------------------------
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Abuse of process - Henderson v Henderson 1843 cited


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Some interesting points (as you can see from my earlier posts, I'm in the exact opposite posiition, I'm at a Summary Judgment/Strike Out application hearing on Monday.)

 

In my case, the original claim was struck out (the course someone should follow is a set aside application, in my case, the claimant did that, but this too was struck out, his leaves only an appeal left which he didnt folow).

 

The troble with re-ligating is gthat it renders the strike out worthless and surely this is not what the courts intended, it is intetrested to note that in cases of discontinuance, there is options under CPR 38.7 to ask permission to 'have another go', there appears to be no such provisions for judged/struck out cases so one must assume that there really is a bar to further action (except under esceptional circumstances and even then its not clear whether someone should just start another case or seek the courts permission first (prob a wise move).

 

I really cant see that the OP here has any chance of success so thought should be taken of how to get out of this with the minumum of cost.

 

Andy

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Reading the OP's posts, it half sounds like he believes that he failed the course as the Crane Operator was not performing his job properly?

 

In which case, I suspect, if the Operator was an employee of the Trainer, then there could be a cause of action.

 

But for some reason, he appears to be attempting to sue the Trainer, because whichever educational board runs/oversee's NVQ's in this particular industry will not allow you to do an NVQ without passing a particular course, via this trainer which the OP did not pass. And appears to be basing a claim on the Human Right to "Education" in which case, I should think it is WELL outside the jurisdiction of a normal, county court & the CCJ process?

[sIGPIC][/sIGPIC]

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andydd, it is up to the court to decide what to do with the case and if the strike out was due to improperly pleaded proceedings, then why should the claimant be prejudiced by this and suffer no access to justice because they are not experts in law for example. The court has the power under CPR r. 3.4(6) to introduce finality to the strike out. Also, a strike out cannot be compared to discontinuance as that is the claimant conceding whilst a strike out is not the will of the claimant. Apologies if I sound like I am mooting.

 

assistedblonde, I would like to paraphrase what I stated with some bits in bold to show the many qualifiers as I believe the point of my paragraph was missed:

 

I think the OP should go seek professional guidance with all their documentation as I am not even sure there is a cause of action as mentioned but if there is a cause of action, it will probably lie on contract, hence my questions above, and maybe the tort of negligence. However right now, I am (sic) can't really see either except an unhappy student unfortunately.
So I am not sure why you replied to me in that context but I think there was a gap between what I said and what was interpreted.

 

FYI, I am sure you know, the tort of negligence protects interests in physical and mental health, reputation, property interests, economic relationships and public rights so I would not discount the fact that there is no tort.

 

I would not be confident to advise the OP based on their ramblings above as there is no documentation or coherence in their posts to back up their story either way hence go see a lawyer, it might be the best money they ever spent.

 

It is an interesting from a theoretical point of view though which is why maybe it has peaked a lot of people's interest including mine but my understanding is that the crane operator was employed by the trainer for the purposes of the test but I might be mistaken as I got lost a few times in the OP's posts.

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hmmmh1978. Good points but there is of course the other sides point of view which may be why should he suffer the hassle of being vexxed again for the same course of action.

 

Also not really sure that CPR 3.4 (6) adds finality, it allows comments that the claim is without merit to be added and also a civil restraint.

 

I think discontinuance does have some relevance because there is a scenario where a claimant instead of discontinuing a claim can simply not pay a fee for example and just watch the claim be struck out (I bought this up in my SJ claim as I suspect this may be the case).

 

Anyway Monday evening Ill be a lot more sure as my hearing will be concluded, although I believe I have a stronger case than the defendant here, as there have been two strike outs and also I have proof that the claim would eventually fail due to technicalities in issuing demands for payment.

 

Andy

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Hey andydd, I hope that my point of view above was not taken as a personal attack on the merits of your case. Not at all, and if it was seen as thus, I humbly apologise for not clarifying myself better. I was only talking about the OP's case and his particular set of circumstances and as you rightly mentioned, there are other sides points of view. The judge will decide based on the facts of the case, whether a case should be struck out or not, and if yes, whether the appeal should go through or a new claim entertained. No two cases are the same hence why a court may allow it in one instance and not in the other.

 

I am sure we can debate these points to and fro however it would be so much better in a pub. :)

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Nope not at all. Its interested to discuss points, especially as I am involved in a SJ/SO case, (although there is little I can change at this late date even if I wanted to), have you any experience of a SJ/SO hearing ?, I'm under the impression that no oral evidence will be given, (although I believe my written Statement of Case and evidence are strong enough), I also note that the respondant in my case hasnt filled any response (as per CPR 24.5) which cant be good for him !

 

Andy

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You will have to present the written evidence hence the CPR 32.6 rule, no oral evidence.

 

It is a matter of individual taste of the Master or DJ but the general rule is as follows.

 

As the applicant you will open the case which will consist of:

 

- introducing yourself and the advocate/solicitor for the respondent (common courtesy but as a LiP, you may be forgiven for this oversight).

- show what documentary evidence is before the court and refer to your skeleton argument if you have done one.

- You will mention points in your witness statement and authorities in favour of your case.

- You will deal with the respondent's arguments as well as points that the court may want clarification on.

 

Then the respondent's representatives will:

 

- then reply and base their case on their skeleton argument if present.

- they will also draw attention to their witness statement, weaknesses in your case and your authorities.

 

You are normally allowed a right to reply so make notes.

 

However, as mentioned, the judge can vary or miss out any step they want and actually change the order of the steps as well as interrupt and ask you a lot of questions to aid their clarification.

 

Because you are a LiP, it should be rather informal but don't take it for granted that you will get an easy ride.

 

Good luck.

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Thanks.

 

Well, there has been no response at all from the respondent so Im not sure how they can bring up any argument in court now, its too late.

 

Think Ive got all bases covered which are :-

 

1. Claim is identical to previous claim about a year ago, same amount. (Ive quoted CPR 24 and CPR 3.4)

2. There is no real evidence, just a claim form stating I owe £x

3. In previous claim, a Peremptory 'unless' order was given, pay fee.

4. He didnt pay fee, claim struck out.

5. He applied for set aside, moaning he was busy, struck out by diff. judge for lack of evidence CPR 3.9

6. No appeal was made.

7. Judgment in my favour (for main claim, no mention of his counterclaim, but why would there be as it was struck out).

8. Now identical claim made

8. Ive pointed out all the above plus CPR 38.7 and res judicata - henderson v henderson, etc

 

also

 

9. His service charge demands are all invalid (wrong font size !), so nothing is actually owing, so another reason why claim will fail.

 

So hopefully thats enough to see it in my favour, weve both been before the judge before and Ive been mostly succesfull (in ground rent & service charge issues).

 

Andy

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hmmh, yes I may misread what you were saying, (having a really assisted blonde day) get what you are saying now and i agree that the OP needs to take legal advice, there are a number of these courses aome running for a day for experienced operators and others for 4 days for newbies, but they all say you have to pass to get a red card and you cant get a blue one until you have a red, its a bit like a driving test you cannot take a practical test until you have passed the theory, and people do fail.

 

But I do like the idea of a pub debate :lol:

If I have been of any help, please click on my star and let me know, thank you.

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Reading the OP's posts, it half sounds like he believes that he failed the course as the Crane Operator was not performing his job properly?

 

In which case, I suspect, if the Operator was an employee of the Trainer, then there could be a cause of action.

 

But for some reason, he appears to be attempting to sue the Trainer, because whichever educational board runs/oversee's NVQ's in this particular industry will not allow you to do an NVQ without passing a particular course, via this trainer which the OP did not pass. And appears to be basing a claim on the Human Right to "Education" in which case, I should think it is WELL outside the jurisdiction of a normal, county court & the CCJ process?

 

I would like to begin by thanking hmmh1978 for his earlier thought provoking post.

 

Caled, the crane operator was not just failing to do his job properly, he was refusing to do his job as well. The assessor who failed me said I had given a wrong hand signal and that the objects being moved were placed incorrectly. Lets look at both these reasons for failing me. there is a set standard of hand signals. If I didn't signal from this set, the crane operator would do nothing until he recognised a signal to do something. Therefore there is no such thing as a incorrect hand signal. It stands to reason if the crane operator was ignoring my signals or deliberately moving objects incorrectly they would be placed incorrectly.

 

The crane operator couldn't behave in this manner without the assistance of his colleagues (the assessor and the instructor).

 

To further illustrate my point, I'am partly employed as a traffic marshall (I direct traffic on and off a construction site). Anyone with a hole in their a*** could do it. There is a site rule which states all traffic leaving the site must turn left. But turning right is more convenient. I direct traffic left but it passes me on my right. Am I responsible for the vehicle turning right?

 

 

 

Assistedblonde, there are slinger\signaller course that guarantees a pass as long as the company putting the student through the course requests it. This is how I got my traffic marshall license.

 

A stay of proceedings or a discontinuance are my best bet unless I can find someone to do my PoC. No solicitor will take the claim as they deem it small fry and too complicated to plead.

Edited by pop_gun
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Hi all.

 

I know Ive hijacked this thread a bit.

 

Ive just returned from my Summary Judgment/Strike Out hearing.

 

I won :) and it went pretty much as I expected, (Solictor screwed up and hadnt filed any evidence). Judge wouldnt allow a stay so gave judgment in my favour.

 

Point she raised were, original claim struck out, they asked for set aside..this too struck out..they shoulkd of appealed if they didnt like decision, instead they waited n started new claim..this was an abuse of process. I did quote Henderson v Henderson but didnt even get that far.

 

Bit dissapointed with my costs..only £200..and Judge was under impression that Litigant in Person rate is still £9.25. she was wrong ..its been increased to £18 !!

 

Andy

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You should have told her its been raised and showed the proof andy.

 

Congrats though. Just shows persistence and well thought out research goes a very long way :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Congrats andydd however I didn’t expect any other result.

 

If the judge was not aware of the LiP rates, it stands to reason that they were also weak in other areas of law and the developments in it. :wink:

 

@ pop_gun, apologies however I cannot give you a recommendation either way as your case needs someone to actually go through the documentation. Most solicitors will draw up the particulars of claim for you if you accept the hourly rate outside of the claim as this is small claim and thus fixed costs.

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You should have told her its been raised and showed the proof andy.

 

Congrats though. Just shows persistence and well thought out research goes a very long way :)

 

Didnt have the proof with me..I assumed being a Judge she'd keep upto date with current law and CPR developments, didnt actually affect my costs as she decided that a solicitor would charge £300 and I could have 2/3's of that (she knew about the 2/3's rule but not new LiP !)...plus some court fees.

 

Cant compalin though, went according to plan, their claim struck out and £280 for me to spend :)

 

Ive written a letter to her/the court pointing out the new rules (57th CPR Amendment) so maybe that will help future LiP's

 

Andy

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There's a bit more to the story, the original claim was struck out but there was another claim attached to the original claim. The original claim was the lead claim. The judge despite the second claim not having a defence. The second defendant did a acknowledgement of service, but never defended the claim. Can a DJ strike out a claim which hasn't been defended?

 

On the court order for the original claim it only states the original claim struck out, not the second. Has the DJ erred and can I still enter judgement on the second claim?

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There's a bit more to the story, the original claim was struck out but there was another claim attached to the original claim. The original claim was the lead claim. The judge despite the second claim not having a defence. The second defendant did a acknowledgement of service, but never defended the claim. Can a DJ strike out a claim which hasn't been defended?

 

On the court order for the original claim it only states the original claim struck out, not the second. Has the DJ erred and can I still enter judgement on the second claim?

 

 

What does the actual strike out Order say again?

 

If it just says something like "the Claimant's claim be struck out" and both Defendants are named in the top right box then it is probably struck out against both.

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What does the actual strike out Order say again?

 

If it just says something like "the Claimant's claim be struck out" and both Defendants are named in the top right box then it is probably struck out against both.

 

No mention of the second defendant on the court order. I made the second claim through MCOL.

 

Sorry to go over this, but I was wondering if there was a court case involving responisibility for a person's own actions over that of someone directing them to do something. In other words when are we legally held accountable for our actions.

 

P.S can I have the claim transfered to the high court via a appeal?

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I still don't understand the part about the two defendants and two claims so Ganymede is a smarter person than I am.

 

The point about the appeal is that at the end of the hearing once the judge has given the judgement, you have to ask for permission to appeal. Regardless of their answer, you should also get form N460 which should list the reasons for refusing or allowing the appeal. You will need that to lodge it with your appeal bundle. If you did not do that, and it has been past 21 days since the judgment with no application for an extension, then you may be too late for an appeal.

 

HMMH

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I think what pop_gun is saying is that he issued one claim and then later separately issued against a different Defendant but for a similar/same claim. Hence two separate claims with two separate claim numbers for essentially the same claim.

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The defendant allows other companies to perform it's slinger/signaller course. when the first defendant stitch me up, I took the course with the second defendant. The second defendant found out I had taken the course with the first defendant as all students have to be registered on the first defendants servers. Because I had passed the theory test my details were still active and the second defendant couldn't register me as a new student. They phoned up the first defendant. The defendant employs the same people to conduct the test ANYWHERE in england. So when the second defendant phoned the first defendant they spoke to the people directly responsible for failing me. The second defendant refused to train any of the students until the last day of training. I was the only student to fail the test. There is more to this but I think you get the general idea.

The second defendant hasn't defended the claim because it believes the two students who passed would act as witnesses against them.

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Court's power to make order of it's own initiative.

 

3.3 (4)

 

The court may make an order of it's own initiative without hearing the parties or giving them an opportunity to make representations.

 

Judging by this the Judge can throw out any claim he or she likes regardless of whether the claim has been defended or not.

 

What stops a Judge from abusing his\her initiative?

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Yes. Courts may use 3.4 to strike out of their own inititiave....I was hoping they would do this in my case, but they didnt so I had to make an summary judgment/cpr 3.4 strike out application.

 

As for what stops a judge from abusing it ?. Why would they ? In any event you are always fee to make a set aside application.

 

Andy

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