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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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Very strange behaviour from MBNA


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This made me laugh and I hope it brightens your day.

 

Just had a call from MBNA during which the caller informed me that they cannot conduct communications in writing because they are a telephone bank.

 

I burst out laughing and ended the call.

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lol. Me too. I have filled two box files so far!

 

Me too. Bet you'll see some familiar stuff from the 'telephone bank' amongst this lot.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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On Saturday I received the latest letter from the telephone bank. It seems that they are continuing to ignore my CCA request and the £10 cheque I sent when I demanded a copy of all data held. This latest letter states “A Default is due to register for Six Years on my credit file” I’m sure many others on this forum will have seen similar so will not bother to rewrite. However, I would appreciate advice on how to respond. Should I write yet another letter to MBNA which will undoubtedly be ignored or should I report the matter to some body or other, if so which?

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If there are enough of these sent we can try to get a disclosure from the regulators to see if in fact these complaints to get considered by anyone capable of initiating enforcement!

 

 

I suggest the following subject line: MBNA Europe Ltd, intent to send adverse credit information for processing by third parties while in dispute.

 

The following recipients:

 

[email protected],

[email protected],

[email protected],

[email protected]

 

 

Dear Sir / Madam,

 

I am bringing to your attention a breach of regulatory and industry guidance by MBNA Europe Bank Ltd, which has made it known in writing that it intends to default my account for alleged breaches of contract.

 

I made a valid request for a copy of the alleged contract with all necessary items to show my understanding of terms and conditions and agreement of the same at the time of signing.

 

I put MBNA Europe Bank Ltd on notice in XX/MM/YYYY and have not recieved a reply from them to my request for complete and validated documentation. A dispute between us exists until I have had sight of and time to validate a copy of the original contract and any document relating to that contract.

 

Therefore the threat to default my account at this time is nothing short of a coercive tactic to collect on the alleged account.

 

If it is a failure of the complaints management process within MBNA then I should like you to investigate.

 

If this is not a failure of the complaints handling process within MBNA I consider it to be a systematic example of unfairness and therefore illegal under EU law.

 

The consequential damages of either of these conditions relate to the negative impact on me in gaining further credit.

 

I look forward to your report on the matter in due course.

 

 

Yours sincerely

 

 

My Name is Angry

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Thanks mauricetura I'll embelish what you have written in the morning before emailing because I want to be absolutely sure of my facts and dates and it is rather late and I'm tired

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All that has resulted so far is yet another phone call from MBNA to ask if I realised my account was about to default and if I were makling a payment today. I answered No you cannot do that to question 1 and a simple No to question 2.

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and another call:

 

MBNA "This is Greig from MBNA, I think we lost the connection when I was talking to you a moment ago"

 

Me "No I hung up on you" and then I terminated the call again.

 

Why is it that these folks at MBNA simply ignore all requests to put everything in writing and persist in making phone calls, surely the penny must have dropped by now that this is totally unproductive and a waste of resources.

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and another call:

 

MBNA "This is Greig from MBNA, I think we lost the connection when I was talking to you a moment ago"

 

Me "No I hung up on you" and then I terminated the call again.

 

.

 

:D:D:D

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Today’s post has just arrived and I have yet another letter from MBNA. Strange how they can send so many standard letters yet fail to read any of my replies of answer my questions in their letters.

 

The letter begins:

 

We are aware that you are now Insolvent and a Default has been registered with the Credit Reference Agencies. We therefore wish to close your account. Before we can do so the Consumer Credit Act requires us to send you this notice.

 

Hang on a moment is that not the same Consumer Credit Act that regulates agreements? They have failed to respond to my CCA request suggesting that this cannot be a contract as defined by the Consumer Credit Act

 

The letter continues to say that I am breach of paragraph 8f of my credit terms and conditions etc and that a stop as been put on the card and unless I make payment etc., etc., I’m sure you know the letter I mean.

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I'm sick of MBNA ignoring my letters. I've sent the above letter of complaint to the listed authorities.

 

It is blindingly obvious that there is a big rubbish bin at MBNA Telephone Banking HQ which all CCA requests etc are discarded (after the cheques had been taken out and 'lost' through the shredder).

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I think MeeBroke has summed it up all too well.

 

Too many of us within this forum are all saying the same thing:

 

MBNA ignored CCA request

MBNA ignored SAR

MBNA lost my cheque/postal order

 

and so on.

 

Surely it must be obvious to the authorities by now that all these people cannot be wrong, then again how many have registered a complaint?

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All of which is why I believe mauricetura's approach could take this to the highest level and would potentially result in MBNA receiving a very large fine:D.

Time is running out for him to put his case together other than on an individual basis so he needs all of our support.

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Coatum, you said : "We are aware that you are now Insolvent"

How do they know that?

Since their offer of 65% off, which I ignored, now they have defaulted each of the accounts and asked for the full balance by 2*/07/09.

Thing is they havent supplied any CCA for two accounts, to which I have informed several times they are in default, and so they shouldnt really be issuing default notices in any case. Ho Hum.

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Hi griffin036, I have cash flow problems but this does not necessarily mean that I'm insolvent. I guess this may apply to many people in this forum. The fact that they stated this in the default notice is undoubtedly because it was a standard letter.

 

I have just looked at my bank statement and see that they cashed my cheque on 8th July.

 

I wonder if they left it this long to collate the paperwork and only bank the cheque once they know that they can deliver. I guess the next few days will reveal all.

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I have just had another phone call from MBNA. Once again the caller launched straigh into her script without verifying my identity. She continued to talk over me as I once again insisted that they write and as we were both talking at once i have no idea what she was saying, so, I hung up.

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I have had a response from the OFT which is as follows:

 

Consumer Credit Act 1974 (the Act)

Complaint Against: MBNA Europe Bank Limited

Licence No: 363167

 

Thank you for your email received on 10 July 2009.

 

I am very sorry to hear about the difficulties you have been experiencing, however the OFT has no authority to become involved in disputes between consumers and traders and so we cannot offer you any direct help with the complaint or advise you directly in this matter. Our role is to protect the collective interests of consumers.

 

The above mentioned Act established a licensing system to protect the interests of consumers in the credit area. If a business wishes to undertake the collection of debts that arise from consumer credit agreements then the Act states that they are required to hold a consumer credit licence; this is issued by the OFT. The above trader holds a consumer credit licence. Under the Act, the OFT has a duty to consider the fitness of all traders who hold consumer credit licences.

 

In considering fitness we take into account whether a business has engaged in improper business practices. Where we receive complaints about the business practices of licensees, we investigate them and where appropriate we take enforcement action; that action depends on the evidence and circumstances. Action the OFT can take includes revoking, refusing or suspending a licence; or placing conduct requirements on the licence of the company or business in question (failure to comply with a conduct requirement can result in a financial penalty being levied).

 

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat debtors fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: The Office of Fair Trading: Debt collection practices

 

I have noted the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any licensing action we may decide to take. If we do take any licensing action against this trader, it is likely that we would need to disclose your identity to this trader along with details of your complaint. I should therefore be grateful if you could sign the enclosed consent form and return it to me. Unfortunately, we cannot disclose any details about any action we may take, due to restrictions on the OFT relating to disclosure of information (Part 9 of the Enterprise Act 2002).

 

Providing copies of agreements regulated by the Act

We note that your letter raises concern in regard to credit agreements.

As you may know, s63 of the Act covers how and when lenders must provide consumers with a first (and where appropriate second) copy of a regulated agreement. It is clearly in the lender’s best interests to retain details of the original agreement and any subsequent variations or changes made to it, particularly as consumers can request a subsequent ‘true’ copy of most types of agreement under ss77 and 78 of the CCA (and on payment of the appropriate fee). There are rules about what is likely to constitute a ‘true copy’ under these sections of the Act. Further, if a consumer does make a valid request for a copy of their agreement under these provisions and the lender does not comply with the request the agreement may not be enforceable in the Courts, subject to any other mitigating factors.

 

Should you require specialist advice or assistance on the circumstances of your complaint (including in relation to the above provisions about copy requirements), you may wish to contact your local Citizens' Advice Bureau or seek advice direct from a legal adviser.

 

The Financial Ombudsman Service (FOS) can help with most complaints about consumer-credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the financial institution itself. FOS can be contacted at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone number, 0845 080 1800, or Financial Ombudsman Service.

 

Thank you again for writing to us and bringing this matter to our attention.

 

Yours sincerely

 

David Annis

Enquiries and Reporting Centre

Office of Fair Trading

 

I guess that this is another reason why mauricetura needs a large number of us to raise complaint (http://www.consumeractiongroup.co.uk/forum/mbna/204839-band-together-against-them.html) because the odd complaint here and there has little impact.

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This morning I got a post card stating that I should expect a call week commencing 13th July. A bit pointless telling me this at the end of the week! The phone number told me it was MBNA as did this email also received today

 

We have made several attempts to contact you recently as we have information that we need to discuss with you.

Please call 01244 674663, Monday to Thursday 08:00 – 21:00, Friday 08:00 – 17:00 and Saturday 08:00 – 12:00

Thank you in advance for your cooperation.

 

Strange that they continue to make no reference to my CCA request or intimate when my SAR is to be processed?

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I have just reviewed the aforementioned post card and note that it does actually state that it is from MBNA. There is small print through the centre of the card in the area separating message from address in which it says MBNA Europe Bank Limited is authorised and regulated etc., so i suppose that the phone number was not the only clue after all!

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I have had the identicle email back from the OFT.

 

I also had a similar phonecall from MBNA last week. In the phonecall they said that were 'no such laws' in regards to them having any obligation to supply me with ANY information regarding my account. Yes, this is actually what he said.

 

He said that correspondence could not be carried out in writing as they are a 'telephone bank'.

 

He also said they were well aware of this forum and it's contents (although at no point did I mention it).

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I have just had a real email from MBNA. I mean one where a person has actually given a reply that is applicable to me! He offered me a great discount which equates to about 29% of the aledged sum due but this is still greater that the previous discounted value due to the continued application of fees and charges. He also confirmed that my SAR was being attended to (the 40 days is nearly up for them), so I await this with interest.

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For me, they started a few months after my last payment. I ceased payment when they failed to respond to my CCA request because the account was by then in dispute. So, my last payment was back in April and the first reduced settlement offer arrived in June. The offers are inconsistent and have varied greatly as mentioned earlier in this thread. So, if you are hoping to settle with them on this basis the best I have been offered was about 71% so if you owe £10K you know they will settle for as little as £2,900 this of course may differ depending upon how watertight they feel their agreement is. In my case I’m guessing they don’t have one.

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