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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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      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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Mbna 'agreement' - now threat of legal action


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hiya all

 

just managed to pop in, been a bit hectic trying to help my friend with the repossession so if anyone can help would appreciate it

 

the only thread started by survivor_13

 

cheers catch up tomorrow laters angel x

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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I sent my CCA request to MBNA and Northern Rock on 26 March. How long do I need to give them to reply. Also Northern Rock have put a temporary charge on my house. Can I ask them to remove it if they don't produce the CCA in the required time?

How an earth can they get a temporary charge! :roll:!You either get a charging order imposed by a court or you dont! Surely there is no half measure like a temporary charge? These DCAs are unbeleivable :evil:

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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How an earth can they get a temporary charge! :roll:!You either get a charging order imposed by a court or you dont! Surely there is no half measure like a temporary charge? These DCAs are unbeleivable :evil:

 

Searched and found this:

 

If a DCA applies for a charging order the court automatically puts an interim charging order on the property:mad:, the land registry will then mark the record and the defendant will be unable to sell the property:mad: until the case is heard in court. A copy of the Interim charging order should be sent to the defendant.

 

They can only get the above if they have already got a judgement against you though.....

 

Got the above from here

 

S.

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Had a girl on the home phone yesterday from 1st Credit asking me to confirm I was happy that there was no fraud on the account.

 

I told her I hadn't mentioned fraud and the account was in dispute because they hadn't complied with my CCA request.

 

She still banged on about fraud and I why I hadn't confirmed I was happy as such as requested in their letter.

 

I told her I couldn't comment until I had the full, compliant agreement.

 

She then tried to get me to confirm that once I had the full agreement, that they DID have that I would clear the outstanding amount.

 

I just reiterated my, 'no comment until I recieve a full, compliant agreement', statement. That cheered her up no end, hehehhe.

 

She promised to send it out yesterday, so I will see what happens.

 

Puzzled as to why they are so keen about my alleged fraud bit. I have not mentioned it, so I figure there is some angle there that they are worried about. Just have to work it out.

 

Funny lot to deal with though..

Sonds like MBNA and first credit got something to worry about!:D

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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I send of my request for CCA last week to 1st Credit and they sent me a letter today saying they don't keep the agreement and it's still with MBNA. They said they have asked MBNA t send it to me. Has anyone else received such a letter from 1st credit? I find it strange that they have taken over the loan yet they don't have the agreement.

Yes i always think it is weird that these DCA buy accounts without insisting on haveing the original agreement off MBNA especially as they now know that the unenforceable CCA issue is openning up a whole can of worms for the banks,

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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Searched and found this:

 

If a DCA applies for a charging order the court automatically puts an interim charging order on the property:mad:, the land registry will then mark the record and the defendant will be unable to sell the property:mad: until the case is heard in court. A copy of the Interim charging order should be sent to the defendant.

 

They can only get the above if they have already got a judgement against you though.....

 

Got the above from here

 

S.

Hi Shadow

Thanks for making things clearer about this issue:)

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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The fun starts almond, if the original creditor has issued a default notice then TERMINATED the account. The DCA then tries to collect, the alledged debtor says BOGOF and the DCA says.. ooops, we dont like this person we will send it back to the OC. The OC is then stumped cos they have terminated there is NO bliddy agreement :D

 

So they then try and offload it on to another unsuspecting DCA, lower and lower down the food chain so as to speak.

Thats very handy to know CitB! :D

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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Many thanks to you all for the information on the charge. It's ironic that the Bank that was first bailed out by the Govt is the one that is been most aggressive. I sent them a letter for a copy of the CCA on 26th March and if they have not delivered by next week then I will ask them to remove the charge because they can not put a charge if they can't prove the debt exists.

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  • 3 weeks later...

Hi UD, can you confirm there was a back page for only the Virgin Card ?

 

Thanks, :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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OK can I butt in here.

 

CCA'd MBNA way back mid February and they just got around to supplying it.

 

Only they didn't !! :confused: All I got was the original T&Cs and a statement.

 

All this with a letter saying they enclose "....the credit card agreement (original and current)....." and then further on it says "....a copy of the original credit agreement has been requested for you and should we be able to provide you with a copy we will forward it". It also goes on to say all the prescribed terms are included in the agreement.

 

Well the terms are included in the T&Cs, but quite obviously there is nowhere that anyone could sign anything.

 

Is this a new tack by MBNA ... to totally confuse ??

 

The T&Cs are I'm sure genuine because they are a good quality photocopy and the last page concludes with a long row of small print digits including my credit card account number.

 

Anyone else seen this sort of thing??

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Hi CitB,

yes, there was only a back page for the Virgin 'agreement':)

 

Thanks UD:D

 

Basa, umm, nope not a new tactic.. MBNA have been on a mission to confuse us all for quite some time:D

 

If the T&Cs are current, then it is quite likely they are of a good quality. What date is your account from.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Basa, umm, nope not a new tactic.. MBNA have been on a mission to confuse us all for quite some time:D

 

If the T&Cs are current, then it is quite likely they are of a good quality. What date is your account from.

 

I really can't recall, but must be from around 2000-2002 era.

 

I've actually just looked more closely at the T&Cs sent to me. These are up to date / current T&Cs because the interest rate quoted is 34%+ :eek:

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Hi GG, yes they would be very useful, thank you. If you dont want to put them on your own thread, then just stash them on photobucket and pm me a link.

 

Much appreciated. I think I will put a note on the new MBNA thread to ask others if they have T&cs from other years. Good thinking batman :D

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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CB

 

I have my original T&C's from 2003 would it be helpful for me to post them up for the new thread?

 

Also these T&C's make the majority of the DN's on here invalid because of the Clause/paragraph 8 issue!

 

GG

 

Defo...my DN says paragraph 8 also :D

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

 

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Hi welshmam

I have pm'd CB with them and she will be posting them on the new thread, dont worry paragraph 8 only states about international transactions, so i think most DN's stateting this will be brollocks:D

 

GG

 

Don't you just love it when that happens?????!!!!!!!! :p

 

Thanks GG!!

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

 

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Yep, received safe n sound, thanks GG. They will be on the thread tomorrow.

 

Thank you to everyone who has contributed. :D

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I also must have half a dozen sets of T&C's in the forms of leaflets, among other leaflets that come with statements, etc. None of them refer to my Credit Agreement, which in turn refers to a random number in the T&C's ! Which set of T&C's:eek: I would love to operate a company that could legally do that - what a rip off!!:mad:

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Exactly UD im waiting for their AQ's right now, can't wait to put my full defence in with the invalid DN para 8 and not 14 clear days and no rate of interest for credit limit, and a microfiche application thats a joke, im just off to buy some more ink!

 

GG

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