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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.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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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.

      Frankly I don't think that is any accident.

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Harassment by MBNA


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MBNA seem to harass people by phone as a matter of course. By harassment, I mean repeated phone calls, sometimes several times a day, certainly several days a week. They often phone family members, workplaces, etc.

 

This type of behaviour is not allowed under OFT guidelines and is possbily an offence under statute.

 

If you are suffering telephone harassment by MBNA, please PM a member of the site team.

 

 

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I had 4 phone calls from MBNA in the space of 20 minutes - a family member answered the phone and barked at them that this was harrassment; didn't hear from them by phone for a few days. Got a letter from the Indian call centre instead, telling me not to send correspondence to that address - as if!:rolleyes:

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MAke sure you keep good records (date, time, who called) and record them if possible. You need to build up good evidence but it sounds like you could have a good case for harassment.

 

 

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Hello Steve,

 

This will be a very interesting thread:D I feel very lucky the last SAR I requested, had a log of all the haressment calls listed for my convenience. It even had the transcript relating to the fact they had been checking up on any spending that I had done. Mbna Rang payplan, my debt management plan co-ordinater to tell them that I was spending money on cards:shock:. I hadn't as I don't have any:D This was a down right lie. They had been watching my daughter's spending and have all her details. name address etc. on their files:rolleyes:

 

Not the indian call centre though:-x might try and get those:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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It seems MBNA get hold of details of other people you may know on a regular basis. Surely that is very very illegal. Just because you are related to someone, doesn't give any company the right to snoop into their lives or contact them regarding your account.

 

Steven, what do you think? MBNA seem to spend their time doing (allegedly) illegal things. Surely they should be hauled in front of a judge and their credit license revoked with immediate effect. I'm sure they are a little too big for that to happen but their behaviour should not be allowed to continue. Mind you Chester TS seem to be in their pockets too.

I wonder if MBNA are the new Enron :roll:

 

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Hello Steven!

 

They've stopped Calling me, probably because they've now Sold everything off to DCA land (who will be asking for Refunds soon I suspect)!

 

However, I do have a long, long Log of their Calls, many Recorded Messages, and one interesting set of Calls when they used the Calling Line Identity of our Mortgage Company.

 

I moaned at the Mortgage Company asking what the heck were they calling about, they said it wasn't them. So, they called the number and found themselves speaking to MBNA on what was one of their own numbers! MBNA fessed up that the purpose of the call was actually about my MBNA Card!

 

Mortgage Company confirmed this via email, so I have proof.

 

Long story, but the Call Centre was one run by MBNA who also handled Cards for our Mortgage Lender. So, they could elect to use a variety of numbers when calling out. I am sure MBNA checked who we had our Mortgage with, and thought it would be very clever to use a number that was otherwise not linked to MBNA but to the Mortgage Company instead.

 

Perhaps they thought I would see a Mortgage related number, poop myself and knee-jerk into answering. Thus give an MBNA Phone Monkey a crack at some abuse otherwise denied them because I'm not usually easy to catch out on the phone, at least not by cretins.

 

If any of this is of any use, let me know.

 

Cheers,

BRW

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If find these actions by MBNA absolutly ridicoulous...if not unsurprising and most probably illegal. :mad: Ive had many dealings and telephone harrasment from MBNA in the past. I wish id found these forums sooner!!! Im in the process of trawling this site to see if i can have my extortionate charges refunded..any point me in the right direction? Good luck and i hope your outcome is favourable. Best wishes:)

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Hi back! Unfortunately not. :mad: As i hadnt discovered this site until recently i thought that this was the norm regarding such companies...-ridiculous i know.!!! :mad:Again, my lack of knowledge of procedures meant that my account was passed to the debt company as it became impossible to repay. I ended up setting up a repayment schedule via Payplan and have been repaying using this method for some time now. I certainly would like to reclaim any charges however. Can i write to them asking for statements etc? I went to the Martin Lewis money expert site and would like to follow this example

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Well MBNA have gone quiet on me....damn....I was hoping to record a nasty conversation!

 

Seems they may be unsure of what to do since they have defaulted on the 12 day limit to produce an enforceable CCA.

 

They are now trying a new tactic to get me to contact them - email! Has anyone received an email from someone at MBNA asking you to contact them? Here is the one I got....

 

From: [email protected]

Subject: FW: "Private and Confidential for addressee only"

 

Mr FBR

Can you please call Nikki Hallworth on 01244 673 093. I am in the office between the following hours, 8am to 9pm Monday to Thursday, 8am to 5pm Fridays and 8am to 12pm Saturdays.

 

 

To which I replied stating that they are in CCA default and the alleged debt is now in legal dispute.

I wonder if MBNA are the new Enron :roll:

 

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Yes, I automatically SPAMMED them after the first one, I think they sent 2 others before they got the message.

 

If you reply to them via email, they will believe they have unrestricted access to you. although it might stop them phoning you.

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Hey Steven

 

I was thinking while reading various threads in which many CAGers mention being called via neighbours, friends, parents, workplaces (their own and those of parents etc).

 

Aside from the harassment issue, there must be something in the Telecomms acts about collating and using arbitrary phone numbers. Just because you call a company on a number doesn't give them the right to retain it and use it in future. They should use only the numbers given to them explicitly for contact purposes by their customers.

 

What do you think?

I wonder if MBNA are the new Enron :roll:

 

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Could be - seems like a little research project. Here are links to some of the relevant Acts:

 

Telecommunications Act 1984

 

Telecommunications (Fraud) Act 1997

 

Electronic Communications Act 2000

Communications Act 2003

 

Privacy and electronic communications (EC Directive) Regulations 2003

 

Are you volunteering FBR?

 

 

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Steven, the post below made me think of other action we could bring against MBNA.

 

http://www.consumeractiongroup.co.uk/forum/mbna/160210-extortionate-interest-rate-after.html#post1862956

 

How about another thread like this one to collate a list of specific charges against MBNA and bring it to the FSA's attention. All MBNA "customers" should also complain to the FSA at the same time.

 

I'm thinking that coordinated complaints against all of the bad business practices we fall victim to would be better than only hitting them with CCAs. Chester TS seem to have turned lapdog to MBNA so we need to go to the higher and hopefully more affective bodies.

 

Any thoughts?

I wonder if MBNA are the new Enron :roll:

 

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