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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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MBNA - Let battle commence / **DISCONTINUED**


Mightyacorn
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http://www.consumeractiongroup.co.uk/forum/legal-issues/218054-mbna-help-needed.html posting #35 is a copy of my 8000 character defence. Royalblue just did there defence too a couple of days or so ago. As CB says chop & change any of these defences to suit.

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In the Northampton County Court

 

Claim number

Between

 

CL Finance Lt - Claimant

 

and

 

xxxxxxxxxxxx- Defendant

 

Defence

 

1. I xxxxxxxxx of xxxxxxxxxxxxx am the defendant in this action and make the following statement as my defence to the claim made by CL Finance Ltd.

 

2. The Defendant is embarrassed in pleading to the Particulars of Claim as it stands at present, inter alia: -

 

3. The claimants' particulars of claims disclose no legal cause of action and they are embarrassing to the defendant as the claimant's statement of case is insufficiently particularised and does not comply or even attempt to comply with CPR part 16. In this regard I wish to draw the courts attention to the following matters;

 

a) The Particulars of Claim are vague and insufficient and do not disclose an adequate statement of facts relating to or proceeding the alleged cause of action. No particulars are offered in relation to the nature of the written agreement referred to, the method the claimant calculated any outstanding sums due, or any other matters necessary to substantiate the claimant's claim.

 

b) A copy of the purported written agreement that the claimant cites in the Particulars of Claim, and which appears to form the basis upon which these proceedings have been brought, has not been served attached to the claim form.

 

c) A copy of any evidence of both the scope and nature of any default, and proof of any amount outstanding on the alleged accounts, has not been served attached to the claim form.

4. Prior to the issue of the claim, the defendant had repeatedly requested information from MBNA Europe Bank Ltd most latterly via a Subject Access Request and when no response was received a Letter before Action was sent.

 

5. It has been confirmed via the Royal Mail Website that both letters were received and signed for and confirmation has been obtained from the post office.

 

6. On receipt of the claim form the defendant sent a request to the claimant for a copy of the agreement which forms the basis of this claim. The claimant’s solicitor refused to provide the information unless forwarded the payment of £1.00 to them.

 

7. Consequently, I deny all allegations on the particulars of claim and put the claimant to strict proof thereof

 

8. I respectfully request the court’s permission to submit an amended defence should the claimant file a fully particularised Particulars of Claim

 

 

Statement of Truth

 

 

I xxxxxxxxxxx, believe the above statement to be true and factual

 

 

Signed .....................

 

Date

 

I have amended the defence to suit, and would like it checked over please before I submit.

 

With regards to the Default Notice issued by MBNA on 8th May, 2009, yet account closed - on their own admission - and sold on 19th May, 2009 to CL Finance, is their any action I can and should take ?

Edited by Mightyacorn
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  • 1 month later...

Nice letter received from MBNA telling me where I've gone wrong in assuming my agreement with them is not enforcable :-

http://i461.photobucket.com/albums/qq331/mightyacorn2008/MBNA-information0004.jpg

 

and the reasons why :-

http://i461.photobucket.com/albums/qq331/mightyacorn2008/MBNA-information0002.jpg

http://i461.photobucket.com/albums/qq331/mightyacorn2008/MBNA-information0003.jpg

 

They are so helpful aren't they?

 

I mean look at para 3, they actually state they are allowed to reconstitute an agreement, and this would be regarded as a "true copy" under Section 78.

 

 

First statement in Para 4 is shot down straight away "is signed by both of us" there isn't even a signature box for them !!!!

 

Also arrived in post is AQ could someone assist me with it please?

 

Thank you

Edited by Mightyacorn
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Some useful threads when needing help filling out Allocation Questionnaires.

 

Link Financial County Court Summons - N150

 

Directions for N150 or N149 Allocation questionnaire - PT2537's guide to N149 & N150 AQ's

 

Allocation Questionnaire...Urgent help needed please!!! - N150

 

Court papers received- what now??!!**WON**CASE DISMISSED - N149 (with draft order for directions)

 

upto the eyeballs v CL Finance No CCA IN COURT ** Help ** - N150

 

The dreaded court claim came today... - N150

 

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Looking through templates for completion oif Allocation Questionnaires I find this directive, could anyone tell me if it has any credance please :-

"Section G - other information

1. It is requested the court give consideration to using its case management powers pursuant to part 3.4 of the Civil Procedure Rules to strike out the claimants claim for failing to comply with the requirements of inter alia part 16.2(1) (d) and fails to comply with the requirements of practice Direction 16 in so far that it fails to comply with point 7.3 which states:-

7.3 Where a claim is based upon a written agreement:

(1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing,

The claimant failings to supply this documentation has placed me at a serious disadvantage, especially when it is considered that the credit agreement must comply with the Consumer Credit act 1974 and the Consumer Credit (Agreement) regulations made under the act. The consequences of the document failing to comply with the regulations and the Act can render the agreement unenforceable even by the honourable court."

I can only find it on one of the templates.

 

Advice please.

Edited by Mightyacorn
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Yes, if it applies to your circumstances, MA. Put "Draft Order" in the search bar or look for other allocation questionairres.. You need to tailor your requests for your own personal circumstances.

 

Are there any other documents that you require.. AQ time is the tme to ask for them.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

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

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Advice & opinions given by citizenb 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.

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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Wrote to MBNA asking for SAR from 30th April, 2009 and they sent the following:-

 

http://i461.photobucket.com/albums/qq331/mightyacorn2008/MBNA/MBNACommsLog.jpg

http://i461.photobucket.com/albums/qq331/mightyacorn2008/MBNA/MBNACommsLog0001.jpg

 

Can someone be good enough to translate it, and also tell me the implications please.

 

What exactly does 'charge-off Code A' mean?

Notice of Default sent 08/05/09, can they legally sell on to third party, on 19/05/09?

 

Could someone advise please.

Edited by Mightyacorn
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MBNA have terminated your account on the 30th April and then sold it to The Lewis Group on 19th May.

 

For an MBNA member of staffs' description of "Charging Off", have a look at the link below.

I'd advise printing off a copy for your records ;)

 

 

img011.jpg picture by paulbaxter009 - Photobucket

 

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MBNA have terminated your account on the 30th April and then sold it to The Lewis Group on 19th May.

 

For an MBNA member of staffs' description of "Charging Off", have a look at the link below.

I'd advise printing off a copy for your records ;)

 

 

img011.jpg picture by paulbaxter009 - Photobucket

 

 

Sorry Snoops,

All i can see on that link is a letter indicating that the account will be charged off and sold to another company, I can't exactly see a description of 'charging off'....or have I missed something?

 

Can they sell it off within the Default Notice time, they gave me until 25th May, to put things right?

 

MA

Edited by Mightyacorn
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Sorry Snoops,

All i can see on that link is a letter indicating that the account will be charged off and sold to another company, I can't exactly see a description of 'charging off'....or have I missed something?

 

MA

 

Look at the final sentence in the first paragraph ..it describes what happens when the account is charged off

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Sorry Snoops,

All i can see on that link is a letter indicating that the account will be charged off and sold to another company, I can't exactly see a description of 'charging off'....or have I missed something?

 

Can they sell it off within the Default Notice time, they gave me until 25th May, to put things right?

 

MA

 

They shouldn't have sold the debt before the date to rectify...............but we are talking about MBNA here, who think they don't have to comply with UK law.

Fortunately for you, you could argue that it is an unlawful recission of contract by MBNA. ;)

 

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Look at the final sentence in the first paragraph ..it describes what happens when the account is charged off

 

Yes, I can see that "When the amount is charged off .... etc." perhaps I am looking too deep here. Does this mean, for instance, that they could charge it off say in January, 2009 and sell it on in March 2010? or is there some of of rules governing this course of action? Does it have to be done within a time limit?

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They shouldn't have sold the debt before the date to rectify...............but we are talking about MBNA here, who think they don't have to comply with UK law.

Fortunately for you, you could argue that it is an unlawful recission of contract by MBNA. ;)

 

 

Thanks Snoops, could you point me in the direction of which law? Is it part of Setion 87 CCA 1974?

 

MA

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The point I'm making about an account being "charged off" is that the account is terminated.

 

Once an account is terminated, they cannot send any further DN's which may show a corrected date to rectify. Your DN is dated 8th May(probably sent by UKMail) stating a date of 25th May to rectify. To be effective the DN should have given you until 28th May but MBNA have shot themselves in the foot as they cannot send you a corrected DN.

 

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The point I'm making about an account being "charged off" is that the account is terminated.

 

Once an account is terminated, they cannot send any further DN's which may show a corrected date to rectify. Your DN is dated 8th May(probably sent by UKMail) stating a date of 25th May to rectify. To be effective the DN should have given you until 28th May but MBNA have shot themselves in the foot as they cannot send you a corrected DN.

 

I think the penny is beginning to drop. The account was terminated (charged off) on 30th April, 2009, they sent a DN 8th May, 2009, sold the account on 19th May, 2009, therefore the DN is NOT valid and they have therefore NOT complied with the law and will form part of my defence.

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I think the penny is beginning to drop. The account was terminated (charged off) on 30th April, 2009, they sent a DN 8th May, 2009, sold the account on 19th May, 2009, therefore the DN is NOT valid and they have therefore NOT complied with the law and will form part of my defence.

 

Yep :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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

BCOBS

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

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

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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  • 2 weeks later...
mauricetura has asked for help as follows:

 

'The action has been passed to lawyers now and first hearing in the

courts was last week. If people want to stop MBNA harassment there is

1 month with which to contact me with detailed witness statements of

harassment and specifically calling family members, colleagues etc on

phone numbers that MBNA has automatically collected through their

telephone system without express permission.

This really is the last chance to make a stand - and perhaps the forum

should recognize the financial risk I have taken to bring MBNA to

account. So some support would be welcome.

If you would make some posts to this effect I would be grateful.'

 

He has taken it upon himself to take court action and, to reiterate, what he is looking for is as many witness statements as possible to back his case against MBNA for harrassement.

 

Please PM me and I will put you in touch with him by email if you are willing to help.

 

Exchange

 

Much as I would like to assist Mauricetura, my dealings with MBNA do not involve harassment, quite the reverse in fact, I can't get them to cooperate.

 

I wish Maurie every success with the action, and if I can help in any other aspect I am more than willing to do so.

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To add some balance to what may otherwise look like a suspicious situation, I have met mauricetura and know the situation to be genuine.

The site team are cautious, deliberately, when it comes to revealing your details to a third party via PM's.

Their view is that they do not want to risk putting anyone in a vulnerable position so the posts were cagbotted.

It is a pity as support for this action could make the difference between a successful outcome or a disaster, i.e. in that mauricetura may have to pay costs if he loses.

I don't know what the way around this is to keep everyone happy, but there doesn't seem to be a way of supporting someone collectively via this site in the courts.

If anyone has any ideas, please feel free.

Will I be cagbotted again?!

Exchange

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  • 2 months later...

So I sit and wait, nothing received by 3rd February, and not being one to rush things I wait until after the 17th February when CL should have paid their £150, I was then going to check with the Court on Monday 22nd, and if they had received nothing I was going to write to the Court asking for the case to be struck out.

 

Then out of the blue came :-

mbna hc discontinue.jpg

mbna hc discontinue0001.jpg

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