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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
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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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CCA REQUEST TO MBNA my journey by Maz


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hiya hopeful1

 

thanks for your posts 71 and 74

 

also thanks for all the latest help from multay citizen and chalkitup and i hope ive not missed others but everyone else who have contributed too

 

my post number 33 is what my aims are i guess still

 

with regard to the a/leicester credit card,

to refresh you, now im recalling that i opened a allliance and leicester current account online but cant remember how i got the credit card, whether it was just online too, this was may 2006. Could this be the reason they could not send me a cca?

 

i would be happy to send out the letter posted by multay on post 40 for the time being and see what responce i get from that and i think i should not pay this months payment just so they know im aware of the collection processes.

 

i hope this all makes sense to you - will await your kind reponces will check in laters ciao for now maz

Edited by maz1964

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hiya all

 

ive just started a new thread headed " Alliance/leicester credit card with mbna - no cca sent by mbna"

 

still under General Debt Issue - but not sure how to link the two threads

 

any one can assist pls ta - maz

 

 

The new thread is here:-

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/159788-alliance-leicester-credit-card.html

 

Onwards and Upwards

 

Chalkitup

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Chalkitup

 

have thanked you on other thread ticked the scales, yipeeeee

 

and posted on the other thread too,

 

off to do dinner will be back laters ciao for now maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya all

 

update have finally sent in post 68 yesterday 1st class signed for rec del.

 

so await on the sars info now - will update you if and when i get anything.

 

ciao for now maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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update

 

had a letter reply ref my SARS request from what i sent from post 68 and see post 81 above too

 

requesting that i could fax info of my id, or contact them on a direct tel to go through additional security to check my identity

 

Now of the two requests i thought it best i called which i have and all the extra security was - birth town, place of work, dob

 

WOW

 

anyway looks like ive cracked it as they will now be sending my SARS documents -

 

await with bated breath hope the also include the cca's - hmmmmmmmme

 

ciao for now - laters maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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That's good, at least things are starting to move.

 

Take care ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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hiya Hopeful1

 

thank you, im going to update the alliance/leicester thread if you have time to have a quick look pls

 

many thanks maz:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Thank you also ladybird, id guessed somehow how to do the subscribed bit, lol

 

sometimes things seem to work naturally other times,,,,madness

 

have a good day everyone - going to now try that bucket site, an finally got new ink cartridges this week too

 

so am hoping to be able to scan and get the 2 mbna cca ive had that are small print and not realy legible, im hoping you can get me to send another letter with the right wording after

 

see you all in a bit laters maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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If you create the thread then u are automatically subbed.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thank you The Godmother

 

am learning fast lol

 

have a fun day ciao maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya all

 

pls take a look at this thread if you can help this poster, i promised i would pass his thread about to far more experienced members to help - thank you - maz

 

 

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/161135-block-impending-default-mbna.html

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi maz - just posted a reply to your question on my thread. It didn't occur to me that it would be better here for you, but I didn't get a good night's sleep so I'm excusing myself due to fatigue :D

Time flies like an arrow...

Fruit flies like a banana.

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Well that looks a lot more 'nudge nudge wink wink' than it should.:oops:

 

 

hahahah

 

dont worry thank you,,,,my hubby thinks im having an online affair always here nudge nudge wink wink..lol:cool:

 

will go and take a peep ta muchly maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hiya all had some positive feedback off folks from my thread i started on the below link

 

so thought i would add to all my threads for others to view incase missed

 

take care, im healthy by the way,,,lol - just now venturing on truely healthy but being debt free. yipeeeeeeeeeeee

 

ciao laters maz

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/161717-information-commissioners-office-site.html

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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mbna1ott-1.jpg - Image - Photobucket - Video and Image Hosting

 

i know this is just one side and the other side is just as bad not clear at all, the top half appears ripped accross but contains finanancial and related details - have scrubbed out my personal info and signature box bit, also the amount of the limit shown as the credit limit

 

1a. we will choose your credit limit etc

1b we will choose your first statement date etc

 

going on to advise other info like the minimum payment will be on your statement, working out the apr, how they work out the interest, charges which does show the 25.00 for when payment not reached the account,

 

but its on the rear and not as within contained the four corners of the agreement - think this is really odd

 

what do you guys think, ive due to pay them this month on this card and the other, mbna one

 

my gut is telling me

 

1. i should request better and clearer cca and a TRUE copy with the terms and conditions at the time when signed way back and not to send me the terms and conditions of the current details - which they have on both these 2 cards.

 

2. So guess need to send a dispute letter and really power home that until they provide the correct cca i wont be paying them, they sent exact same info without the past or current terms and conditions with the sars by the way

 

I will await your final comments on this and do my next and final letter cos now im sick of them. By the way i showed my mp today what i got when i went to see him about the charging order information and told him about the petition too

 

see you all laters ciao for now MAZ

Edited by maz1964

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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mbna1ott-1.jpg - Image - Photobucket - Video and Image Hosting

 

i know this is just one side and the other side is just as bad not clear at all,yep fully agree there the top half appears ripped accross but contains finanancial and related details - have scrubbed out my personal info and signature box bit, also the amount of the limit shown as the credit limit

 

1a. we will choose your credit limit etc

1b we will choose your first statement date etc

 

going on to advise other info like the minimum payment will be on your statement, working out the apr, how they work out the interest, charges which does show the 25.00 for when payment not reached the account,

 

but its on the rear and not as within contained the four corners of the agreement - think this is really odd this could be classed as the 4 corners just cause it in the back it does not mean much. It could go on for another 6 pages front and back.

 

what do you guys think, ive due to pay them this month on this card and the other, mbna one

 

my gut is telling me Just how many times has ur gut been wrong

 

1. i should request better and clearer cca and a TRUE copy with the terms and conditions at the time when signed way back and not to send me the terms and conditions of the current details - which they have on both these 2 cards.Well if thats the condition then yes it needs to be. The cca says it need to be legable that i dont think is legable.

 

2. So guess need to send a dispute letter and really power home that until they provide the correct cca i wont be paying them, they sent exact same info without the past or current terms and conditions with the sars by the way its ur account but yes i would send the letter.

 

I will await your final comments on this and do my next and final letter cos now im sick of them. By the way i showed my mp today what i got when i went to see him about the charging order information and told him about the petition too

 

see you all laters ciao for now MAZ

 

Maz as you know this is a self help/advise site but if ur gut feeling is telling u non compliance then go with it. I have put my comments in Purple and as u can see they agree with you.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi Maz :)

 

As GM says you have to make your own decision. Does the bottom bit look like it's part of the same document as the top bit?

 

I also agree that it should be legible for it to be enforceable so it may be worth pointing this out. However, if you are unsure as to where you stand it may be worth making your next payment just to bide some time. Also, i can't remember without looking through the thread but are there charges on this acc.? Would they make much difference to the outstanding balance?

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hello Godmother and Hopeful

 

thanks for your replies, firstly i will take what you say and what my gut says, i will write to them again advising them that i will need to have a legible and clear True copy with the terms and conditions at the time not as current terms sent

 

Also, there have been charges on the account - thus i would estimate about 200.00 one of the cards balance could reduce therefore about to 500.00 (have not yet claimed those yet - as i wasnt sure at what stage to claim)

 

also if i should pay this months payment which im happy to do so, i guess it will bide me more time, and then await on a reply back from them to see what i get back to me claiming what they have sent is not legible at all.

 

without a compliant cca i know i can stop making payments but i dont want it to backfire on me so early on in trying to learn all about this and then face court and them producing a valid cca in court,

 

get back to you tomorrow ciao for now thanks maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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maz they would not be able to produce a clear legable copy in court as they would need to disclose it first.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Thanks for clearing that up for me Godmother

 

 

brb

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi maz:)

 

Apart from the fact it's illegible, does it have the prescribed terms (I honestly can't see!!)? I only ask as mine has the terms on it, but new t's and c's, and I've been told it would most likely be enforceable should it get to court.

 

I stand by the fact they haven't fully complied with the cca request, but won't be with holdiing payment on this basis. I am going to tell them they can't pass my details on until they stump up with them though, as the terms on my agreement refer to data protection stuff that I can't see without the original terms.

 

The fact they've sent you an illegible copy is enough for the time being though I'd have thought, but I'd suggest you do make absolutely certain they're missing something on the prescribed terms or really don't have a legible agreement before you halt payments, otherwise it could bite you on the bum!

 

Also, I'm probably just can't see it for looking, but did I see you'd requested this info under an SAR? If they've sent you the same thing, would that be more along the lines of concrete evidence that they don't have anything better to offer you agreement wise?

Time flies like an arrow...

Fruit flies like a banana.

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