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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.  
    • 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).
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      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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Mbna 'agreement' - now threat of legal action


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The ICO have just squeezed my SAR out of MBNA at last but they QUOTE are unable to look into requests made under the CCA UNQUOTE

 

They suggest I try the OFT for that :mad:

 

I think the CPR route is the only one for that:?

Hi AA99

but your alleged agreement was sent under a SAR request not a cca request that time so surely if banks sending misleading inaccurate or incomplete ccas under a sar request it should come under their investigations?

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi AA99

but your alleged agreement was sent under a SAR request not a cca request that time so surely if banks sending misleading inaccurate or incomplete ccas under a sar request it should come under their investigations?

 

No, my alleged agreement keeps being promised to me with great apology now, point was the ICO will not deal with getting info from an OC where it is to do with the CCA because they don't deal with that, only SAR's:???:

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I SAR'd them last November specifically asking for my CCA to see if they would come up with a different document - it was exactly the same!!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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No, my alleged agreement keeps being promised to me with great apology now, point was the ICO will not deal with getting info from an OC where it is to do with the CCA because they don't deal with that, only SAR's:???:

 

It's all to do with the legislation and the infamous RED TAPE as you probably know. The SAR is made under the Data Protection Act and hence, the Information Commissioner has jurisdiction.

 

CCA's are made under the Consumer Credit Act and seems to fall under Trading Standards ?? Haven't quite grasped the logic in that...personally I think it should be down to the Financial Ombudsman or OFT to investigate.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Hi all, just a quick question... Are your accounts with MBNA directly or through 3rd party i.e Virgin CC. The reason i'm asking is becouse i have a CC with virgin but have sent a couple of letters directly to MBNA over a month ago.

Should i have sent them to Virgin originally?

 

Sorry for H-jacking this thread.

cheers

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Hi user2006, your Virgin card is run by MBNA therefore you send all communication to MBNA. If you need any specific help, you should start you own thread where you'll get more help and your questions won't get drowned in this general-ranting-thread! ;-)

 

Good luck

FBR

  • Haha 1

I wonder if MBNA are the new Enron :roll:

 

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Hi user2006, your Virgin card is run by MBNA therefore you send all communication to MBNA. If you need any specific help, you should start you own thread where you'll get more help and your questions won't get drowned in this general-ranting-thread! ;-)

 

Good luck

FBR

 

Thanks for the quick response! +

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Hello Underdog,

I was just wondering how far you have got with this since December.

Did you stop making payments? I thought if an account is in despute the OC can not demand payments, process any data or sell the dept.

Any info much apriciated..

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Hi User2006,

 

creds are not supposed to do any of the things you mentioned whilst an account is disputed, but they frequently do.

 

MBNA's modus operandi seems to be that they sell the debt on or proceed to court after 7 missed payments.

 

I notice you joined in 2006 and had a thread on MBNA - how have you got on in the past 3 years?

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Hi User2006,

 

creds are not supposed to do any of the things you mentioned whilst an account is disputed, but they frequently do.

 

MBNA's modus operandi seems to be that they sell the debt on or proceed to court after 7 missed payments.

 

I notice you joined in 2006 and had a thread on MBNA - how have you got on in the past 3 years?

 

Thanks for your quick response UD13.

Yeah i have sent a request for a CCA a few months ago...still waiting. as of yet i haven't recieved a thing.

i'm was just wondering how you've got on with your case. i don't want defauts on my account/ credit rating so i was just wondering what your course of action was and where you see this heading.

How easy is it to get data removed if they do record it on the account ect.

surly if they haven't provided a CCA and then proceed to court after 7 months they haven't got a leg to stand on. (so to speak)

 

I signed up for an account on recommendation from a user on HotUKdeals website, i managed to get back all charges from RBS 'unfair charges' a few years ago.

 

Soz for all the questions, :)

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Hi User2006,

 

creds are not supposed to do any of the things you mentioned whilst an account is disputed, but they frequently do.

 

MBNA's modus operandi seems to be that they sell the debt on or proceed to court after 7 missed payments.

 

In addition to Clause 78(6) of CCA which states that;

 

If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement;

and

(b) if the default continues for one month he commits an offence.

The OFT Debt Collection Guidance provides the folllowing as an example of an unfair practice:

 

not ceasing collection activity whilst investigating a reasonably queried or disputed debt
I guess MBNA would argue that they are so efficient with their paperwork that their 'investigation' was opened and closed within a matter of seconds...just like their CCA requests!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Thanks for your quick response UD13.

Yeah i have sent a request for a CCA a few months ago...still waiting. as of yet i haven't recieved a thing.

i'm was just wondering how you've got on with your case. i don't want defauts on my account/ credit rating so i was just wondering what your course of action was and where you see this heading.

How easy is it to get data removed if they do record it on the account ect.

surly if they haven't provided a CCA and then proceed to court after 7 months they haven't got a leg to stand on. (so to speak)

 

I signed up for an account on recommendation from a user on HotUKdeals website, i managed to get back all charges from RBS 'unfair charges' a few years ago.

 

Soz for all the questions, :)

 

MBNA generally take a few months to respond to s78 requests.

 

If you withhold payment or make lower payments, it will damage your credit rating I'm afraid. It is not easy to get defaults removed, but some have achieved it after a bit of a battle.

 

An enforceable agreement is necessary in court cases, but some judges seem to be overlooking that fact:roll: However, if they make a judgement in error of law, you can appeal.

 

Quite a few people seem to be winning their cases against MBNA - have a read round the forums:)

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MBNA have sold by debt to 1st Credit who have sent me a letter threatening legal action. Anyone with good advice on how to deal with them please. This is despite me appointing a debt management company. Shouls I send them a letter requesting a copy of the agreement. If so, who should I send it to, MBNA or 1st Credit?

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MBNA have sold by debt to 1st Credit who have sent me a letter threatening legal action. Anyone with good advice on how to deal with them please. This is despite me appointing a debt management company. Shouls I send them a letter requesting a copy of the agreement. If so, who should I send it to, MBNA or 1st Credit?

 

Did you CCA them? If so and you now have a disputed agreement with them, then they cannot pass it on until that is resolved. Well we are currently discussing the point of whether they are allowed to enforce any rights, but that would seem like an obvious one that they couldn't enforce - that would mean any creditor could wriggle out of any dispute by passing it on and then if the DCA has the same response from you then they could pass it on again indefinitely whilst the account picks up more interest and charges which doesn't seem right and against the CCA wording.

 

If you CCA'd MBNA then you could forward that letter and any response on to the DCA and demand that the DCA does not undertake any action as the account is in dispute. If you haven't CCA'd MBNA then CCA the DCA instead.

I wonder if MBNA are the new Enron :roll:

 

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Did you CCA them? If so and you now have a disputed agreement with them, then they cannot pass it on until that is resolved. Well we are currently discussing the point of whether they are allowed to enforce any rights, but that would seem like an obvious one that they couldn't enforce - that would mean any creditor could wriggle out of any dispute by passing it on and then if the DCA has the same response from you then they could pass it on again indefinitely whilst the account picks up more interest and charges which doesn't seem right and against the CCA wording.

 

If you CCA'd MBNA then you could forward that letter and any response on to the DCA and demand that the DCA does not undertake any action as the account is in dispute. If you haven't CCA'd MBNA then CCA the DCA instead.

 

The plan was to CCA MBNA unfortunately Abbey came calling. I am increasing finding that these financial institutions do not keep to their word. I had been in discussions with Abbey over my mortgage and the arrears. They had been contacted by DWP that the interest was going to be paid by them and within a few days I got a letter from Eversheds threatening repossession. An agreement was reached but Eversheds are still continuing with the case and they plan to suspend in case I miss one payment.

 

I will definitely CCA MBNA tomorrow and send a copy to the DCA. They have added ver £1k since November 2008

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I think many financial institutions are like packs of wolves at the moment, they are more hungry for our money than ever now so they hunt with more enthusiasm than they ever did before. So why bother communicating when they can continue to hound and threaten, it's easier for them isn't it?

 

A sad indictment of what the core values of the financial industry are me thinks.

I wonder if MBNA are the new Enron :roll:

 

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You're not wrong. It would be really hilarious if it wasn't so serious. The letter from Eversheds is dated 19 March, the first instalment is due 19 March and I only received the letter yesterday. So technically I am already in default.

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MBNA have sold by debt to 1st Credit who have sent me a letter threatening legal action. Anyone with good advice on how to deal with them please. This is despite me appointing a debt management company. Shouls I send them a letter requesting a copy of the agreement. If so, who should I send it to, MBNA or 1st Credit?

 

 

Hi Odezi

 

There's a few things you can do, going what's been going on my MBNA thread.

Firstly i would CCA 1st Credit find out what documents they've got.

Check your default notice see what the remedy of the default date.

Check the what date 1st Credit took your account over.

Reason i say the above is MBNA have a way of Scewing the date up from the Default stage and Asigning the dept to a third party.

 

Gaz

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You're not wrong. It would be really hilarious if it wasn't so serious. The letter from Eversheds is dated 19 March, the first instalment is due 19 March and I only received the letter yesterday. So technically I am already in default.

 

Just make sure you're keeping the envelopes as well Odezi...

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Hello everyone ! New to this site so apologies if i'm taking over someone elses page !! My problem is with MBNA though ! I sent them a request 2 months asking for my credit agreement. Received nothing. They passed the account onto CL Lewis. Sent them a request for the credit agreement pursuant 77/78 CCA. Nothing received, except for a county court claim form received this morning issued by northampton county court !! I phoned them and pointed this out and they said nothing to do with them now !!!! What do I do now ??!?! this wasn't in the script !!!!!

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Hi Proudto begerman,

 

Welcome to Cag:)

 

Don't mind you posting on this thread, but I think you would be better served if you open your own thread in the legal section - you'll get more specialised help there.

 

Click on the legal forum and then on the new thread button. Best of luck to you:)

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Hello everyone ! New to this site so apologies if i'm taking over someone elses page !! My problem is with MBNA though ! I sent them a request 2 months asking for my credit agreement. Received nothing. They passed the account onto CL Lewis. Sent them a request for the credit agreement pursuant 77/78 CCA. Nothing received, except for a county court claim form received this morning issued by northampton county court !! I phoned them and pointed this out and they said nothing to do with them now !!!! What do I do now ??!?! this wasn't in the script !!!!!

 

Start a new thread in the legal issues section and you will get plenty of help.

 

Have a look at this thread for starters

http://www.consumeractiongroup.co.uk/forum/legal-issues/178810-cl-finance-howard-cohen.html

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