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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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    • We have finally managed to obtain the transcript of this case.

      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 CCA,


Indebt1
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Hi Indebt1,

 

I have a cca from 1999 which I received from mbna which you can compare against.

 

Cannot get it loaded tonight though will have to be tomorrow.

 

As an aside, did you end up paying PPI. Notice on your application that there does not seem to be a tick in either of the boxes for PPI. I didn't tick either of them on mine and they started charging PPI which I am in the process of reclaiming.

 

Regards,

 

Bosun.

Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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Hi,

 

Have not gone down the 'enforceable' route yet but believe it may be enforceable but saying that, as its only an application form and refers to terms & conditions in seperate documents which I didn't receive I may have a chance of fighting it.

 

You will know if you've been charged PPI if on your statements there is an entry entitled Payment Protection or as in my wives case, 'Other Interest'.

 

That last entry is going to put the cat amongst the proverbial.

Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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http://i925.photobucket.com/albums/a...und/img001.jpg - it's so obviously a faked image. They haven't even attempted to make it seem as if these "photocopies" are geniune or that the prescribed terms really do belong to that document where they have placed them. Their arrogance is astounding.

 

Surely they must be breaking all sorts of laws with this. From other posts in the forums (can't cite the original as they are pasted into a large document I have), the following spring to mind.

 

Regulation 5 of the Consumer Protection from Unfair Trading Regulations 2008 (the CPRs) where the faked image would constitute an unfair or improper business practice.

 

Fraud Act 2006 Subsection 1(b) - the representation is made with the intention of making a gain or causing a loss or risk of loss to another.

 

I'm sure there are many others.

 

How can a company get away with such flagrant dishonesty with impunity? I'm surprised no-one has called them on this yet as some of this type of behaviour must be criminal rather than civil. It really makes my blood boil.

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Your MBNA application form isn't hugely differnt from mine - see http://www.consumeractiongroup.co.uk/forum/mbna/229916-mbna-virgin-dodgy-cca.html. Since yours is a year later, looks like yours is just a tidier version of mine.

 

I'm not convinced my original MBNA agreement is enforceable. Like yours the prescribed terms were photocopied onto the rear of the application form, but in my case it seems very unlikely they are actually directly related (wrong size, orientation, markers on different pages don't line up etc etc).

 

I have other factors at play with my card, but I've sent for a SAR just to get a better idea of what they really have. Maybe you could try the same if you haven't already done so.

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  • 6 months later...

Has anyone got any experience dealing with the the above company as far as settlements go?

they have sent a letter about how they are prepared they negotiate, is this a game or has anybody managed to settle?:)

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if they are offering a settlement that means something is wrong

typically they will have no CCA. and have brought the debt blind

you owe them nothing.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Guess what!

the directors of this company which btw is a non trading company since 08, also hold directorships in

MBNA EUROPE HOLDINGS LIMITED the biggest one being MBNA Europe bank with a turnover off

£2,610,504,000 thats on our misery, what a strange coincedence!!!
;)

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  • 4 months later...

have got a 40% settlement deal on the table from Aegis assuring me they or their client will no longer pursue the claim and will mark the credit file as patially settled.

i am sorley tempted but am curios about the following, has anybody managed to mark as settled or remove the default seeing as its an invalid default anyway?

has anybody renegotiated the percentage and managed to agree a figure?

how much do i go back with?

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hi mate i dealt with mbna about 8 months ago now and got them to settle on 30% on a 5k debt....i was also told a partial settlement and have had no contact with them since i paid the agreement however i have recently checked my credit rating and this debt has been marked satisfied. That is only my story and at the time i was in touch with someone on here who had a 16k debt settled with 28%. so far so good

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have got a 40% settlement deal on the table from Aegis assuring me they or their client will no longer pursue the claim and will mark the credit file as patially settled.

i am sorley tempted but am curios about the following, has anybody managed to mark as settled or remove the default seeing as its an invalid default anyway?

has anybody renegotiated the percentage and managed to agree a figure?

how much do i go back with?

If you want to counter offer what they have offered write back with a lower figure, head the letter WITHOUT PREJUDICE so it cant be used against you or wait it out until its sold to a DCA, then hit them with a CCA and sit back and offer a low F&F, if they cant comply or comply with agreement with no prescribed terms etc, but its what ever you feel is best.

 

If they sell it on to a DCA then they'll get between 6p and 15p in the £ for this debt and if no CCA there may be a good chance of a full and final with a DCA keen to get some profit for not a lot of work, its a risk tho that they might dig there heels in and demand more :?:

CAG NEEDS FUNDS PLEASE DONATE AS MUCH OR AS LITTLE WHERE POSSIBLE

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

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  • 3 years later...

Arrow global have now transferred the account to Rockwell who are starting to hound me.... how do i get them to back of? DO i CCA request from Rockwell or Arrow? or do i advise that the debt is unenforcable they know that already? try again for Settlement as MBNA rejected offer last time?

i havent made any payments since the default.

as always any help is most appreciated!

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