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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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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Eversheds County Court Paperwork / **SUCCESS**


goonerhenry
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Sorry you haven't had a response before now. Just read through your thread and as far as I can see your defence is still that the POC are embarassed, and I take it you've had no more information suggesting the debt is enforceable.

 

Can you have another go putting up the full order. Was there any reference to your draft directions?

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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right see attached the notice of allocation, for some reason it decided not to scan into the correct order, if someone could have a quick look through and suggest my next move, i think i have til the 10/3 to respond with the disclosure list, thanks in advance

NoticeOfAllocation.pdf

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My inclination would be to wait and see what they come up with in their disclosure list. If they don't provide the paperwork to make the debt enforceable I think you'd have good grounds to ask for the case to be struck out.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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right just trying to get the disclosure list together, am i right in thinking that in my defence the only paperwork im relying in is the default notice which was served incorrectly and the CPR request to which they have yet to respond, also could someone help me with any lesgislation or old cases which i will need to mention, again any help will be appreciated

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I hope this post will help. You need to disclose ALL documentation that you have regarding your claim.

 

Right then

 

Q1

 

Standard disclosure is dealt with by effectivly a list of the documents they hold in their possession and will rely upon at trial. they will not send you the actual documents at this stage just a list of names of the docs they have.

 

you then have to ask them if you wish to inspect a copy of any of the documents they have listed

 

they may send you a list they may not, if they do not by the deadline then you should raise the matter with the court

 

You should also serve upon the other side as directed by the court, a list of documents upon which you are relying upon.

 

heres the standard form you use The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service -Forms and Guidance) is not available

 

it is a N265

 

Q2

with regards to the second point, a reply to CPR 31.14 should provide you with documents which they have pleaded in their statement of case. it is not unusual for a solicitor to have to wait on their clients to supply this information.

 

however the purpose of CPR 31.14 is normally to allow you to access documents which you have identified as being central to your defence and without them you will be unable to plead.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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In addition to the CCA, Dn and Notice of Assignment, don't forget to ask for a copy of the orignial sale agreement between MBNA & Arrow Global.

 

In the POC, they stated

"1. the claim is for the sum of £ in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA on which the defendant failed to maintain payments

2.a default notice was served upon the defendant and had not been complied with

3.by virtue of a sale agreement between MBNA and the claimant the claim vested in the claimant who has a genuine commercial interest

Since they have stated there is an agreement upon which the claimants base their claim, you should be able to have a copy and inspect teh original. Could be an interesting response.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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superb, thanks for the link that saves me allot of work, right see attached my part completed disclosure list, i would reaaly appreciate it if someone could take a quick look and see if firstly i need to disclose any other documents and secondly other than the obvious fields of my name etc if there is anything else i need to fill in, sorry to be a pain but im no expert and dont want to get this wrong and risk the case, thanks in advance.

 

also thanks for the advice docman, i must admit i have read the paperwork a thousand times and never thought to make sure they give me a copy of the sale agreement, just out of interest legally should i have been told about the sale to arrow? as i cant remember every receiving anything, also if they do have a copy of the credit agreement should it be the original from mbna or should arrow have made me complete another one?

DiscolsureForm.pdf

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If that's all you have and want to use, then that's it. Your bundle of documents that comes later will have copies of the cases and the statute - but that's a long way off.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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thanks docman, as i said before im no expert so value any one elses opinion, if they are all i need to list then fair enough, but if someone could have a look and just double check that im not missing anything off i would really appreciate it

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It depends if you have anything else. If you do, then you should add it to your list, but if it's all you have then that is all you need.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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i have had eversheds/arrows disclosure list, not good news as they have a copy of the credit agreement, i have scanned it and attched it with the other paperwork i was sent, they do have a copy of the default notice but as i have already posted that i havent done this time as its the same, there were also pages and pages of statements and correspondance lists, but as there were so many pages again i havent scanned, also do i need to send a copy of my disclosure list to eversheds as so far i have only sent it to the courts??

can someone have a look through and suggest what my best move would be from here, thanks.

ArrowDisclosure.pdf

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i have had eversheds/arrows disclosure list, not good news as they have a copy of the credit agreement, i have scanned it and attched it with the other paperwork i was sent, they do have a copy of the default notice but as i have already posted that i havent done this time as its the same, there were also pages and pages of statements and correspondance lists, but as there were so many pages again i havent scanned, also do i need to send a copy of my disclosure list to eversheds as so far i have only sent it to the courts??

can someone have a look through and suggest what my best move would be from here, thanks.

 

Did you blow up the front of the agreement or did they? If them why didnt they blow up the back? possibly unreadable prescribed key terms there???

 

It looks like microfiched copies in which case I think they have to disclose this as hearsay evidence if its not the original? [clarification from someone with more knowledge required]

 

Have a look at this here particulalry this point

 

e) if copies of any of the above documents are to be relied on in court rather than originals, a copy of the Notice of proposal to adduce hearsay evidence required under s2(1) of the Civil Evidence Act 1995 together with proof of the authenticity of the document(s) as required under s8(1)(b) of the Act, including but not limited to:

(i) a copy of the procedure(s) used for copying, storing and retrieving documents

(ii) a copy of the relevant log entry showing the time and date of the scan or copy, the name of the member of staff making the copy, the method used for copying, storage and retrieval and time and date of destruction of the original document(s)

(iii) copies of internal and external audit reports covering the entire period from the date of the copy to the present to demonstrate that the procedures have been complied with

(iv) copies of Quality Assurance accreditation certificates covering the entire period from the date of the copy to the present to demonstrate that the procedure(s) and audit process(es) comply with the appropriate quality standards.

Dont give up yet... even if you are a gooner:lol:

PmW

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Just had another read of your thread.

Your defence in relation to the flawed DN is still good regardless of the agreement – also the previous points made about the NoA are relevant – they will have to prove that you received the NoA otherwise their whole claim is in jeopardy – the assignment of the agreement only becomes effectual in law once you have had written notice of it.

The actual deed of assignment has to be verified as well to ensure that they have a right to make the claim in the first place. This is a pretty good bit of info on assignment

http://www.insolvency.gov.uk/freedomofinformation/technical/TechnicalManual/Ch25-36/Chapter31/part9/part4/part_4.htm

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no they did send the default notice but as i have posted it up before i didnt see the point in doing it again, how does the rest of the info look? is there any good news??

 

Just had a look at the DN, theres definitely at least 2 days shortage on the required days for fixing the breach there.. Sent on a Friday but doesnt allow 2 clear days as required in Regs.

 

[Only query I have is national holidays, there are 3 in the period you have to fix the breach... do they affect the dates or are they just counted as calendar dates like sundays? They dont effect the -2 days you have been given they would increase it]

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