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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Yes

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private parking speculative invoices are

but if the council PCN has now turned into fine from a court no they are not!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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private parking speculative invoices are

but if the council PCN has now turned into fine from a court no they are not!

 

A PCN cannot turn into a fine from a court. The whole thing about council PCNs is that the system is decriminalised. There are no courts or fines just penalty charges.

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but if the council PCN has now turned into fine from a court no they are not!

 

Following through from jamberson, what do you mean by "fine"? "Court" people don't go to magistrates court for non payment of a parking penalty & as far as I know it is only criminal courts which can impose "fines" for criminal offences only............non payment of a council parking ticket is not a criminal offence, neither is it criminal offense to breach parking regulations, first I ever heard of such a thing, >>>can you please direct me (& others who might be interested) to the relevant statute?

 

When I asked for the info I wanted accurate info only. Thanks Jamberson

Edited by Caz16
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just my brain..so a council PCN..does it every time expire...?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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predictive text..so does a council pcn time expire

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't know the answer, but this is what I think is the case.

 

Statute Barred law applies to recovering debts through courts. When a debt becomes a debt, the party who is owed has six years to initiate proceedings. I think this is based on contract law. After the six years, court action is no longer possible, although the debt itself lasts indefinitely - they just can't use the court process, so in effect can't force payment any longer.

 

How does this work with PCNs? Well fistly, there's no court process applicable, so the fact that this course of action may be closed off after six years doesn't matter. But there's no contract law in play either, so presumably the Statute Barred law doesn't apply anyway. The debt still exists, but the question then becomes whether a new warrant can be granted (a warrant is actionable for 12 months, but another could be granted later on).

 

Maybe post on the bailiff section of this site, as the process is really about bailiff powers of enforcement.

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ive popped it in the bailiff discussion forum.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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that came out total irish due to predictive text...

 

 

removed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I hope this will clarify matters as it is taken from the London Tribunals site. http://www.londontribunals.gov.uk/sites/default/files/keycases/Davis41.pdf

When Councils have run out of options to collect a PCN they can go back to Northampton if that increased charge is not paid within 14 days, then the authority may apply to the Parking Enforcement Centre at Northampton County Court for the recovery of the increased charge as if it were payable under a County Court order Page 4 .

 

Between page 4 and 5 the Tribunal goes on to say

By Order 48B Rule 5(1) (which applies the provisions of Order 26 Rule 5

to the recovery of parking penalties under County Court order), a warrant of execution cannot

be issued without the leave of the Court where six years or more have elapsed since the date of

the relevant order upon which the warrant is to be based. Section 24 of the Limitation Act 1980

equally applies from that date: so that no action on the order can be taken more than six years

after the date of the order (although rarely would an action based on the order - as opposed to

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  • 3 weeks later...

I was going to put that link up myself LFI, you beat me to it.

 

The above should be read carefully. The Rule does not say that enforcment after six years is statute barred under section 24, it is not SB.

 

The period of enforcing a judgment is limited by the rule only, and can be lifted by an application to the court. If it were SB no further application would be possible.

 

Section 24 refers to an action on a judgment, this would be a new action based on the judgment, as opposed to just enforcing a judgment already made.

 

See Lowsley vs Forbes (HL)

 

So yes the creditor would have to make an application to the sentencing court and no, it is not because the order is statute barred.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • 11 months later...

By PCN do you mean a Parking Charge Notice issued by a private parking company (ie not by a local council)? If so my understanding is that they are claimed as contractual debts and so the Limitation Act applies and action cannot be taken to recover the debt after 6 years. There's a specific definition of when the 6 years starts though that you'd need to check.

 

If you are asking about a Penalty Charge Notice issued by a local council I'm afraid I don't know the answer.

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old and new threads merged

you've already asked this question

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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BazzasS, The pcn's are council.

 

It was not because ''I did not like the answer's'', the answer I was expecting was a ''Yes'' or ''no'', but, I could't work out from all that's written above what the correct answer is, ie Yes or No.

 

I came back to check this thread but could not find it, having gone through it again I am still uncertain if PCNS are statute bared or not!

 

Sorry you thought ''I did not like the answer'' I simply could not understand, and still cannot, if PCN's are statute barred or not, maybe you can help with a ''Yes'' or ''No''....please consider that a question.

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The answer isn’t as simple as “yes” or “no”, for the reasons set out in LFI and Dodgeball’s posts.

 

So, what actions have the council(s) taken?

Depending on if they issued NtO’s (and when), and then any subsequent order(s), they might be able to go back to a Court and ask for a fresh warrant of execution.

 

If a court might be minded to issue such a warrant will likely depend on why they have allowed 6 (or is it now 7!) years to elapse. Do you know why? (For example if they had no knowledge of your current address to pursue you & have only now come into such information it is more likely ‘just and fair’ for them to do so than if they had had your address, you’d had assets, and they’d just not bothered).

 

If you didn’t understand a year ago, why didn’t you ask for clarification then?

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Notice to Owner. If you had more than one ticket, Notices to Owner.

As per MB’s reply.

 

Why not detail what has happened, what you’ve received and when, and you might get focused, reliable advice based on the facts of the situation, rather than you and respondents playing guesswork?

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Seconded. In general though, even if the limitation act did potentially apply, I'm not sure when in practice things would ever take so long but ultimately still result in enforcement that it would even become a question.

 

Even the least competent LA (for which there are many competitors) with the smallest parking department and the longest delays is going to 'press the button' which issues an NTO before the 6 month period for doing so expires. And after that if you don't intervene it's all automatic and things will very quickly escalate to the Order for Recovery stage which in turn will very quickly escalate to the bailiffs.

 

I've only ever had 1 PCN which the LA didn't try to pursue. In that case I got a ticket on my (very obviously crash-damaged and written off) car the day before I scrapped it, and I never heard anything more about it.

 

Likely when they tried to use the registration number to trace the registered keeper and send the NTO all they got was that the vehicle didn't exist and so the ticket went nowhere. That was 10 years ago.

 

And I suspect if I was ever going to hear anything more about it then I would have done a long time ago and so in practice it remains the case that it will never come down to needing to consider the limitation act.

 

What is happening in your case that thinks you might need it?

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What is happening in your case that thinks you might need it?

 

I am ready to start a claim against a council, there were PCNs but they are over 6 years ago.

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