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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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      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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TY Bankfodder

 

So item 3.

 

I sent the items out, they were reported by the recipient as damaged, so i collected them, clarified the damage and then reported it to the courier. They are stating that I was told not to collect the items. i should have left them and they would have handled it.

 

I was told this after the pickup of item 2 so i did not know about this term. On inspection of their terms, they actually don;t have anything that says this.

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Here is a suggested document which addresses the points that you have laid out.

 

If there is more to add then use this as a template. There are XXX in a couple of places. Please sort those out.

 

Let me know if you understand what you have to do and if there is anything else you need to add

 

By the way, you shouldn't lose confidence. This is a sign of intense panic by them. I think they're trying to bulldoze you. Don't worry about it. When defendants act like this then you know that they are scrabbling around for something solid – but they have nothing.

 

Also, I use dictation software and so you need to be careful that there aren't strange words in there or things missed out. For instance in paragraph 1 I already see that it should say "the defendant say that I have breached blah blah blah"

Responses to some of the general points made by the defendants in their bundle.pdf

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Sorry for the delay, I was in a meeting! TY for that, I will use that template and I will send it back to you via here to see what you think.

 

We're working on this all day. I just rang the courts and they said it should be OK to just resubmit anything new, we're still in time.

 

Quick questions: is the Consumer Rights Act valid when it is 2 businesses?

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Good point. The consumer rights act is not valid when the parties are each a business.

 

Well spotted because it would have been embarrassing.

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Phew I thought so! So what can I say instead of that? It was used for this:

 

The defendants state I have breached a term that I was required to inform them of an item damage within 24 hours.

 

and this:

 

The defendants say that by collecting the damaged items directly from the recipient, that I was in some way breaching the delivery contract.

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Can you let me know the wording of the term which requires that you contact them within 24 hours

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The link to the terms is here: https://www.theparcelcentre.co.uk/terms-and-conditions

 

The specific text is under Making a claim:

2. For damaged items, The Company must receive notice of your claim within 24 hours of the delivery date, with all paperwork regarding the claim submitted to the Company within 7 working days.

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I forgot to ask specifically, can I now submit more evidence based on what they have given? I need to clearly show their evidence is not true.

 

Format your further proposed evidence as a " Supplemental Witness Statement "..the format is the same as your initial witness statement..complete with headers and a statement of truth...must be submitted/served not less than 3 days pre hearing.

 

Regards

 

Andy

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The link to the terms is here: https://www.theparcelcentre.co.uk/terms-and-conditions

 

The specific text is under Making a claim:

2. For damaged items, The Company must receive notice of your claim within 24 hours of the delivery date, with all paperwork regarding the claim submitted to the Company within 7 working days.

 

okay well that's fairly nice and easy. They haven't tried to say that that is a condition of them providing compensation.

 

Our work out a bit of wording and come back to you in five or 10 minutes

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Insert this opposite point number one: –

 

 

The term upon which the defendants are attempting to rely does not say what the consequences of informing them beyond their 24 hour deadline might be.

Furthermore, it is implied in the defendants term that the 24-hour period begins from the time that the client ascertained the damage.

Anything else would be wholly impracticable because it is impossible for the client to inform the defendant about an event of which he himself had not yet become aware. Therefore the requirement that the 24 hour period runs from the moment of delivery is completely impracticable if it is interpreted strictly.

In the event, I did let the defendant know about the damage as soon as I had ascertained it myself. There was no undue delay.

 

Finally, a term which sets a time limit in which to inform the defendant about the occurrence of damage can only be taken to be an administrative term and is not capable of being treated as a breach (if it is a breach) which is so fundamental that it undermines the entire contract so as to render it void.

 

Even if there was a failure to notify the defendant within 24 hours (which is denied) this in no way could be taken as having materially affected the risk – as the damage had already occurred.

 

It's a bit more strutting and legalese than I would normally like – but the judge will understand it even if the defendants don't

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OK, that sounds legally, however I think I get it. I did call them the same day as I received the item back. the defendant did inform me of the damage a few days before, so strictly I did know about 5 days before, but I held judgement until I got the time back as often these things turn out to be fixable easily.

 

Does that change the statement in any way?

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As I understand it, you were informed of damage. You went round to inspect the damage as quickly as you could and having ascertained for yourself that there was damage, you informed the defendant within 24 hours. Is that correct?

 

As I have already pointed out anyway, an administrative term is incapable of undermining the fundamental purpose of the contract and rendering it void. The central "peril" which was the fundamental purpose of the protection agreement had already occurred.

 

Is there anywhere in the contract where they refer to it as "insurance"?

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Hi

 

Correct, as soon as I got the item back (I did not go round) and clarified for myself it was damaged I rang the defendant. I was advised to log it directly with DPD (not themselves as the consolidator). I was given a form which had the defendants name as the consolidator hard typed into it and I filled out the rest, all on the same day.

 

Unfortunately I have no record of the phone call, the girl I spoke to has left that company and the form I unsure where I got that from, if I am being strict about this. The other item was all inside 24 hours.

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Fine, I think your position is okay. I don't really think that they will end up going into court with you. If you do, I think the judge will soon appreciate that this is a company trying to rely on exclusion clause to get out of their legal obligations. I suddenly have an idea, I'll come back to in five minutes

 

There you are, better than five minutes.

 

https://www.legislation.gov.uk/ukpga/1977/50 The Unfair Contract Terms Act 1977 renders unenforceable any contractual terms which undermine the contract and it applies to businesses.

 

It's a long time since I looked at it. Please have a look at the relevant section and understand it.

 

You could then add to the bit which I did with you – in any event the requirement of notice within 24 hours, if it is intended to avoid the contract if that time-limit is exceeded, would be unenforceable under the Unfair Contract Terms Act 1977

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Oh yes, this is what I was on about, or had read previously, possibly on here. Something to do with a RM or Hermes claim that was successful. I will definitely have a look at that

 

So, we still have a clause using the consumer act...

 

 

The defendants say that by collecting the damaged items directly from the recipient, that I was in some way breaching the delivery contract.

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That's one way of looking at it. We take the whole contract and we say that it is a delivery contract which if they fail to execute properly they will then compensate you for whatever damages are caused.

 

Of course, they will be obliged to do that anyway. If they have a contract to do something for you and they don't do it or they don't do it properly then they would be obliged to compensate you so in fact what they are doing is there trying to say – we undertake to do something for you but if we don't do that then we won't be liable – or else we will restrict our liability if you fail to do this. It is grossly unfair.

 

If we want to get into the fine jurisprudence of it then we could say that there are two contracts. There is a principal contract to deliver and then there is a co-lateral contract which comes into play if the first contract is breached. The collateral contract being to recompense you the value of goods lost or damaged because of their breach of the first contract.

 

It is all Marx Brothers stuff.

 

At the end of the day, they have a contractual duty to carry out a delivery and to deliver your goods in good condition. They are trying to attach exclusion clauses in order to escape their obligation. The fact is that there is a central obligation and if they attach other things such as 24-hour notice, then as I have indicated, this is purely administrative and it doesn't affect the essential contractual obligation – delivering good condition – because apart from anything else, the obligation is already been breached. Their administrative rule is essentially trying to close the stable doors after the horse has already bolted.

 

Does all that make any sense to you? I was really trying to avoid getting this complicated

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Yes I can see through the lines here. I'm good with this kind of stuff. I can see you are saying that they didn;t carry out what they were supposed to, but now after that breach, they are adding clauses in to not pay up. These clauses are unfair...1977 act. Also they don;t actually h ave that clause in their terms anyway!

 

I think this is trying to get the Judge to use common sense. Stop looking at the silly little terms, and focus on what went wrong in the first place.

 

Also to me it is actually admitting defeat to an extent because how can you say that these extra clauses come into play wihtout having breached the contract yourself first? Is that right?

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Also to me it is actually admitting defeat to an extent because how can you say that these extra clauses come into play wihtout having breached the contract yourself first? Is that right?

 

nope. I don't think it works that way.

 

You could say that these clauses are a sort of fallback position. In other words, our position is: we don't agree that we have breached but if the court finds that we have then this is our alternative position

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Yes, in point number three, you said it is not clear how the delivery contact was breached as alleged by the defendant. These are probably my words but anyway it's wrong. It should be the client or the claimant.

 

Also in point number three, you say that you can't find anywhere in their terms, designed to try and escape the contractual duties…. I hope these weren't my words in any way they are completely unsuitable. This is finger-pointing and it doesn't go down well with anyone.

 

Get rid of the words "… Designed to try and escape their contractual duties" replace with "the term upon which the defendant seek to rely is an exclusion clause and is calculated to protect them from their own fundamental breach of their contractual duty"

 

In point number four – A… Are not what the defendant is claiming. I don't really understand what you're saying, but do you intend to put "defendant" or "claimant"?

 

In point number six I would want to make a simple point that what you are claiming for is the replacement value of an equivalent printer because the ones which have been damaged by the defendant are no longer available and the repair cost makes it an economical to consider this as a solution

 

By the way, let me give you an example of the effect of a breach of a mere administrative requirement in the contract – or a "breach of warranty" as it's really called.

 

You failed to report the damage within 24 hours and then this in some way causes them some particular problem or expense. They would be entitled to say that you should reimburse them for that expense. However, they could not say that you were no longer entitled to the fundamental benefit of the contract which is to have the item delivered in good condition – or its equivalent value. Does that work for you?

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Hi Bankfodder, sry for the delay, the site was down for me! I am making the changes now.

 

I have made a small kahuna, the witness statement I received this morning did not have the "name" of the case or the statement at the bottom so I have had to ask for it again. If I don;t get it again and have to go with the statement as is, is it likely that it will not be accepted?

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Yes, the site was being serviced – it was rather an emergency.

 

Sorry I don't really understand what you say you are missing. You don't know the name of the case? Or the number? And what statement are you talking about?

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Ah that explains it! So my point is that on my notes about evidence form the court. It states there must be certin info on any witeness statement. I gave the witenss a template to use but only now did I notice i t is missing the "name of the case"... IE: Company X Vs Company Y. Also we missed the statement at the bottom that should read "To the best of my ability the statements made here are truthful...."

 

I am n ow struggling to get hold of the witness to get a new copy signed. If in the event he does not come back to me tomorrow,m is it better to send in the statement as is with the missing info?

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Yes you're better off sending something than nothing. However, they should all contain the statement of truth at the end.

 

Also, as nice as the courts are, they are hopelessly inefficient. Every document must have the name of the case and the case number.

 

Also, although it may be that you don't need to get the documents in until three days before, don't imagine that they will automatically reach the file/judge in time. I think I said you should send off immediately and that still is the case. Don't leave anything to chance.

 

Furthermore, when you go to court make sure you got copies of everything – three copies. One for the judge one for the other side and one for you. You can't imagine how things get lost mislaid not read blah blah blah

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