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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
    • 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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Default Judgement Against Securitas Security Services (uk) Limited *** Counter Claim Struck Out ***


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Surely it would better for their Solicitor to negotiate a deal that works for both parties.

 

CCJ removed by consent if, claimant keeps the judgement money plus gets £x as a ex gratia amount for inconvenience, HCEO retains their fees etc.

 

It could be resolved quite quickly with a bit of commonsense and save Securitas money.

We could do with some help from you.

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It depends.

What does the OP want?

 

They might get a bit more cash out of Securitas

(but will need to be careful how they discuss this :Highlight the inconvenience they have suffered and let the other side offer it!! ; the OP doesn't want to be accused of demanding money under duress....)

 

However,

the OP might decide that whatever additional sum Securitas is offering is paltry compared with knowing that Securitas has a CCJ registered against it as a record of their behaviour ......

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Good for them. But acting in what? Unless and until they make an application for a set aside - which they could have done at any time and yet oddly haven't - there's no case. There's nothing in what you've told us that gives obvious ground for a court to agree a set aside and frankly the longer they leave it, having been aware of this for quite some time now, their chances of success become even smaller.

 

I agree.

 

CPR 13 lays out the 'ground rules'.

 

Eventually i issued a small claim against them in january this year for £1873.01p.

It was deemed to be have served on them by 1st Feburary 2017. The date for defence to be in was 15/02/17. However for one or another reason they never replied. I sent my request for judgement in and recieved a judgement against them.

 

OP then clarified

 

They have confirmed a claim form was recieved on time but was not passed onto the right department. .

 

Was this that they never acknowledged service?

Or they acknowledged service but didn't lodge a defence??

 

From the timings it suggests they never issued the AoS and then never defended.

 

So, it seems likely they might apply (if they do!) for a discretionary set aside (CPR 13.3) rather than a mandatory one (CPR 13.2).

 

Vauban has hit the nail on the head regarding a discretionary set aside

frankly the longer they leave it, having been aware of this for quite some time now, their chances of success become even smaller.

 

So if they do try for a discretionary set aside, you don't have to agree, and one ground for opposition would be them not acting "promptly"

[ CPR 13.3(2) ]

 

With the judgment being from early March (or before), you have a good case to state they haven't acted promptly, even if they say "but we were trying to obtain a set aside by consent, first"

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you have been sent a copy? if not how do you know?

This doesnt mean that they will get the set aside though and even if they do they will then still have to explain everything all over again or admit they owe the money.

It all looks like an attempt to clean up their records because no-one wants to allow them credit. Plnety of big firms in the constriction and services industies wnet under not long ago and most of them had big contracts with councils but collapsed because they couldnt pay small bilss in hard cash and yours is a bit like that.

A form has been lodged with the county court notifying a solicitor is acting on behalf of Securitas.
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This was discussed and this side of the picture was shown.

They will have none of it.

 

To make sure everything was dead i phoned the court and asked them.

They confirmed that a solicitor is now acting for them and the notice was recieved recently,

.

A claim form was issued and served on the defendant at their business address and not registered address.

 

 

This according to them was received and someone instead of allowing a member of staff to send the acknowledgement off . They were told to wait for somebody who was on holiday.

 

 

Then for some reason they cant explain why the file went to the wrong office.

 

 

It sat there until they recieved a letter from the h.c.e.o .

 

 

They couldnt match my details once the h.c.e.o had contacted them as they didnt know who i was.

This is despite me notifying thier hr department of the judgement.

 

 

They paid the hceo and then decided to find out where the claim had come from.

 

 

It then went to thier solicitor who wrote to me and then things moved on from there.

 

 

The calls i have received were from thier credit department.

Someone promising to teach me a lesson who is in Birmingham

Personally i couldnt give two hoots about it as it was done and dusted.

 

 

Firstly they completely ignored all correspondance from me.

I had to do the chasing around.

 

 

secondly they were so screwed up they couldnt handle a claim form.

 

 

Thirdly they did not respond to my email to them regarding the judgement.

 

 

Fourthly they admit they never knew who i was this despite the claim form having a reference number on it and correspondance etc attached to it.

 

 

They then change strategy and start playing big brother.

 

 

Bloody well annoying.

So whats cooking today ?

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You can oppose the set aside application, when it is made. On the basis that the court claim was sent to a business address you had dealings with. They received it and had opportunity to defend it. Then the most important part is do they have a defence against the particulars of claim that were issued.

We could do with some help from you.

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Then the most important part is do they have a defence against the particulars of claim that were issued.

 

I'm not sure Securitas is that bothered by having a defence / whether they have to pay the claim.

 

I suspect they are more bothered by having a CCJ on the register.

 

In that regard, whilst getting the claim set aside and them having a successful defence would be the best possible outcome for them, it may well be that what they are angling for instead is either:

a) judgment set aside by consent (even if they then pay the judgment sum or more under a Tomlin order) or

b) judgment set aside (not by consent), claim still lost by Securitas, but judgment sum for the reheard case paid before it reappears on the CCJ register.

 

If what matters to the OP is the CCJ remaining on the register ; they should oppose any set aside application using the grounds set out previously.

 

You can oppose the set aside application, when it is made.

 

Precisely.

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I'm not sure Securitas is that bothered by having a defence / whether they have to pay the claim.

 

I suspect they are more bothered by having a CCJ on the register.

 

In that regard, whilst getting the claim set aside and them having a successful defence would be the best possible outcome for them, it may well be that what they are angling for instead is either:

a) judgment set aside by consent (even if they then pay the judgment sum or more under a Tomlin order) or

b) judgment set aside (not by consent), claim still lost by Securitas, but judgment sum for the reheard case paid before it reappears on the CCJ register.

 

If what matters to the OP is the CCJ remaining on the register ; they should oppose any set aside application using the grounds set out previously.

 

 

 

Precisely.

 

The way I am looking at it is. 1 Nobody was interested in any correspondence before and after a claim form was issued. 2 Nobody gave a squat when I contacted them about the judgement. 3 Rather than talk to me the first i hear of this is through a intimidating letter from Thier solicitor. 4. Things would have not gone this far if they had taken note of what was being said before hand and dealt with this before it got to the issue subject. If this was me I would have been on it like a fly.

 

I have put a few issues across to then. They have not taken a bit of interest in it. You know how it goes. Hence why I think this is done and dusted. However for one reason or another they have now sprung into action. Where were they before this ?

So whats cooking today ?

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A set aside applicationI is now live. This was checked this morning. All i have been told is that it is a application to set aside.

 

Post up the application (redacted of personal details) when you receive it.

It will be interesting to see if they are trying to claim a mandatory set-aside (unlikely!), or a discretionary one, and what grounds they claim.

It will also be interesting to see if they are trying to claim their application was made 'promptly', or if they have not made any comment on this, as this is one of the grounds on which you could oppose a discretionary set-aside.

 

If having a CCJ on the register is hurting them commercially, what they are aiming for might be to get the judgment set-aside so they can have the case heard ...... they might not be expecting to win (though they'll say they are, of course), but as a way of getting the judgment off the register, case reheard, and if they lose then judgment settled before it goes back on the register??.

 

If this is the case, the commercial cost to them of a CCJ on the register may be significantly more than the legal costs they might incur, and an indicator of this would be if you find them wheeling out all sorts of legal big guns for what seems a relativity small (small claims track) county court claim. (They are, of course, entitled to spend whatever they like on professional legal representation, even if they stand no chance of recovering that from you regardless of if they 'win' or 'lose' (due to it being on the small claims track) ... I just highlight it as a marker of what their intent may be .........)

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these large companies think they can bulldoze over the small people and so do not take the matters seriously in that respect.

 

 

They dont expect you to challenge this application so that should be the first thing you do when you get the opportunity.

 

 

try and stop them from having it decided on the papers so you get the chance to say your piece as a judge will apply weight to the perceived honesty of the witness.

 

 

It will also add to their costs so they might want to offer you a reason not to resist.

Bear in mind how much it will cost them to continue and decide if the moral victory you have outweighs the financial advantage you can gain by settling.

 

 

They will undoubtedly ask for a non disclosure agreement, generally by you signing one rather than asking the court's permission to formalise it.

 

 

Normally this means you get more money for losing certain rights to humiliate them in public so again, morals versus cash dilemma

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See my post of 26th May

It depends.

What does the OP want?

 

They might get a bit more cash out of Securitas

(but will need to be careful how they discuss this :Highlight the inconvenience they have suffered and let the other side offer it!! ; the OP doesn't want to be accused of demanding money under duress....)

 

However,

the OP might decide that whatever additional sum Securitas is offering is paltry compared with knowing that Securitas has a CCJ registered against it as a record of their behaviour ......

 

So, it still depends what the OP wants as "best outcome", bearing in mind the possibilities:

A) The money they have recovered already, and the CCJ showing on the register? (Oppose any set aside application, successfully)

B) Potentially no more money, the CCJ off the register, but the case still a matter of public record (OP opposes the set aside unsuccessfully but wins the reheard case)

C) having to repay the judgment sum received (OP opposes the set aside unsuccessfully and loses the reheard case)

D) set aside successful, OP gets more money through a Tomlin Order (where no CCJ is on the register, and there may or might not be a confidentiality agreement)

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Appaently the application was sent to salford the county court centre. I will get a copy of the application once the judge looks at it and decides. I will then get a copy of the order and judges decision and also alist of options. They have hired a barrister and the have a well known franchised solictor working for them. I have already put my options over to them but they will not listen. I have been told it is a commercial nightmare for them once news gets out that they have a judgement against them. Dont ask how i know. Will let you know once this ends.

So whats cooking today ?

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If they have applied (without notice), and applied for their order stating they don't want a hearing (the judge to make a decision based on the papers), the judge's first decision is if they should be making their decision without you being able to have input into the process.

 

Your input might not make any difference if they (successfully) applied for a mandatory set-aside, so a decision based purely on their application is a realistic possibility.

If their application was for a discretionary set-aside the judge COULD make a decision without a hearing, but this is much less likely : it could be challenged as not being "proportionate justice"!

 

If you didn't receive notice of a hearing, you could apply to have the (set-aside) order itself set-aside.

Where you might later be relying on 'promptness'

(See Regency Rolls Ltd & Anor v Carnall [2000] EWCA Civ 379, Simon Brown LJ, at 45)

http://www.bailii.org/ew/cases/EWCA/Civ/2000/379.html

Any such application by you should also be made 'promptly' (within 7 days!)

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How so?

 

They are entitled to make an application.

The court can decide if it should succeed.

 

Now, if they make a false statement in order to try to get their application to succeed they'd be opening a can of worms, but if they stick to facts : what can of worms?

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