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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.   
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Well my account was in dispute and it didn't stop them levying interest or charges and its particularly sneaky of them to default the account on the same day they sent out the cca. For all the good it is they may as well have sent a jam sponge instead.

 

My local MP is a particularly good one and i've seen the work he does at first hand so i think he'll take up the cudgel for me but for the time being i may as well sit back and wait to see what happens.

 

We live in crazy lawless times with banks and i have defaults outstanding on 2 amex cards since march and they're both defective.The accounts were sent to a dca who threatened all kinds of action so i cca'd them.Amex have found an app form for one and not sent anything for the other.So i'm waiting on them as well now and trying my best to brush up on all the techical jargon with help from people on here.

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Hi Blueotter,

 

For all the good it is they may as well have sent a jam sponge instead.

That did make me laugh :D

Makes you think though...

Dear Sir ,

We are not obliged to send you a SIGNED copy of your Credit Agreement in response to a CCA Request, however the OFT has decreed that we MAY send you a jam sponge, as we ALWAYS buy a jam sponge for our teabreak whenever we complete a credit agreement, and WILL have done so when your agreement was taken out.

The fact that we have eaten our jam sponge is undeniable proof in Court that a Credit Agreement exists between us.

Yours,

Merchant Bankers

 

Elsa x

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Well my account was in dispute and it didn't stop them levying interest or charges and its particularly sneaky of them to default the account on the same day they sent out the cca. For all the good it is they may as well have sent a jam sponge instead.

 

My local MP is a particularly good one and i've seen the work he does at first hand so i think he'll take up the cudgel for me but for the time being i may as well sit back and wait to see what happens.

 

We live in crazy lawless times with banks and i have defaults outstanding on 2 amex cards since march and they're both defective.The accounts were sent to a dca who threatened all kinds of action so i cca'd them.Amex have found an app form for one and not sent anything for the other.So i'm waiting on them as well now and trying my best to brush up on all the techical jargon with help from people on here.

It is not in their interests to take notice of your letters. They just follow the process.

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Hi Blueotter

Subbing to your thread with interest ,Yes it is strange how some people get left alone or account just sold on to another bank and yet others MBNA pursues to the bitter end.! and set either Restons or optima on them (these are the soliciters they use to do all their dirty work) I think sometims if a person owns property that will prompt them to chase you more as they try and get a ccj and then a charging order i believe:mad:

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 Optima letters start from MBNA desks, typed, printed and sent by them. Must be misrepresentation to imply that they have come from a solicitor. Letters from Optima/MBNA probably come from Phil Robinson.

Hi Vint

Did not realise that optima was really MBNA! Learnt something new! I wonder why optima does not deal with all us MBNA deliquints! and why some people get Restons set on them instead?

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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Optima may not be part of MBNA, but the first letters come from MBNA. If you look on the envelope, the return address is same as MBNA in Chester. The first letter usually says, do not respond to us ( Optima) but to deptxxxx in Chester. But I responded to Optima just to be awkward. Heard no more.

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Optima may not be part of MBNA, but the first letters come from MBNA. If you look on the envelope, the return address is same as MBNA in Chester. The first letter usually says, do not respond to us ( Optima) but to deptxxxx in Chester. But I responded to Optima just to be awkward. Heard no more.

 

 

Debt Clear Recoveries is another part of MBNA where apparently sit together! DCR have a phone no in Manchester which re-direct it to Chester I believe, DCR also have a PO Box address in Manchester (just to confuse us all!) ;)

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  • 4 weeks later...

UPDATE

 

Received a letter from capquest today telling me mbna have sold them one of my accounts.

 

This despite the fact the account was in dispute and hadn't been terminated following issue of a defective default notice.

In fact i've received nothing from mbna telling me what they've done.

 

Also that shower at capquest have rung my gran asking questions,she's 87 years old and x directory. Just what kind of company am i dealing with here !

 

I need a plan of attack so advise welcome please.

 

Should i write to mbna asking exactly what's going on and pointing out that the account was in dispute and i've not received a termination letter or anything since they issued the deafult notice.

 

Should i write to capquest and tell them to return the disputed account to mbna ?

 

I also want to do something about them ringing my gran which is just reprehensible but short of losing it completely i don't know what to do .

 

advice welcome please so i can formulate a plan of action,thank you.

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Sorry to read about your poor gran getting calls, these companies have no morals. They are trying to make what few pence in the pound they can get for the debt and let somebody else have the hassle of hounding you for it.

 

Copied from another thread......

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

I read somewhere that there is actually nothing anywhere that states in the above that they shouldn't do it according to OFT guidelines, but that this wont stop them unfortunately. Its only enforcement via a court that they can't do it!!

 

Guess its up to Capquest now who has to provide you with all the eligibility of it now, so when they write to you (after all its in dispute) write back then with the acct in dispute letter advising them the acct is subj to a serious dispute and the date you pursued the CCA etc...

 

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capquest can be very persistant but going by other threads and experiences normally can be seen of eventually by a number of account in dispute letters but you do need to show them you are fully aware of your rights and some people have had them on their backs for quite a few months before they give up A lot of people in crapital one disputes have had

these plonkers set on them!

Edited by sunflower99

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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Dear xxxxx

 

Your Ref xxxxxx

 

I do not acknowledge any debt to your company or to any company you claim to represent.

 

A request for my Consumer Credit Agreement (Consumer Credit Act, 1974) was received by xxxxxxx (name of company) on xx/xx/xx. Since they are now in serious fault of a legal request, I can only assume that xxxxxxx have either failed to inform you before supplying instructions to contact me or, have failed to inform you you before your purchase of this account; in which case, they would not be your clients in the sense that you imply. I therefore suggest that you liase with xxxxxxx before contacting me again.

 

In the meantime, please be aware that no action can be taken against a disputed account and this includes the following :

 

You/your "client" may not demand any payment on the account, nor am I obliged to offer any payment to you.

 

You/your "client may not add any further interest or charges to the account.

 

You/your client may not pass the account to any third party.

 

You/your "client" may not register any information in respect of the account with any of the credit reference agencies.

 

You/your "client" may not issue a default notice related to the account.

 

In addition, please be awre that your recent telephone calls (delete if N/A) and letter to my home could, under the Administration of Justice Act 1970 section 40, be construed as unlawful harrassment in the absence of such an Agreement. As you claim in your letter to have been "instructed" by xxxxxxx, please note that any court claim regarding harrassment would be brought against both xxxxxxx and yourselves should this be necessary; since you would be complicit in this action (delete if N/A).

 

You may therefore consider this letter a statutory notice under Section 10 of the Data Protection Act 1998 to cease processing any data in relation to this account with immediate effect. This means that you must remove all information regarding this account from your own internal records and from any records with any credit reference agencies. Should you refuse to comply, you must within 14 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a legal right; you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

I look forward to a favourable response within 14 days of the date of this letter, informing me that on this occasion you have made a genuine mistake and that you files are now closed. Failure to respond favourably however, will result in me reporting this matter to Trading Standards, Office of Fair Trading, The Financial Crimes Branch of HM Treasury and any other authorities as I see fit.

 

I look forward to your reply in due course.

 

Yours faithfully,

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 used the above letter to see Wescotts off!:)

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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You also need to include that it is strictly against OFT guidelines and DPA to contact a third party ( Your gran ) and as a lady of 87 years old, it has deeply distressed her. Demand to know how they got her phone number and why they called her.

 

Also complain to TS, OFT, ICO. PLus your MP.

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Thank you people,i will draft a letter and fire it off,i'm particularly upset that they've contacted and had the temerity to ask questions of my gran.

 

On the same subject does anybody feel i have additional grounds as mbna haven't terminated the account following issue of that defective default letter ?

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Thank you people,i will draft a letter and fire it off,i'm particularly upset that they've contacted and had the temerity to ask questions of my gran.

 

On the same subject does anybody feel i have additional grounds as mbna haven't terminated the account following issue of that defective default letter ?

You need to make them pay for that. Do you know how they had her number in the first palce?

 

MBNA do not tend to issue Termination Notices, although they need to. Just another example of how they ignore the law. You can take it as terminated if they have sold the account, or later gone on to demand the ballance in full. The sale of the account needs to be absolute.

 

Also, without a notice of assignment from MBNA, you should not even debate the issue with any third party. If I sent you a letter saying that I had purchaced your debt from MBNA, would you pay me? You need to respond to them along those lines.

 

There are regulations surrounding these matters and the more they ignore them, the more they foul up.

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You need to make them pay for that. Do you know how they had her number in the first palce?

 

MBNA do not tend to issue Termination Notices, although they need to. Just another example of how they ignore the law. You can take it as terminated if they have sold the account, or later gone on to demand the ballance in full. The sale of the account needs to be absolute.

 

Also, without a notice of assignment from MBNA, you should not even debate the issue with any third party. If I sent you a letter saying that I had purchaced your debt from MBNA, would you pay me? You need to respond to them along those lines.

 

There are regulations surrounding these matters and the more they ignore them, the more they foul up.

 

 

Cheers vinnt,so the line of attack is to

a) write to capquest telling them account is in default

b) write to mbna asking for a letter of assignment ?

 

I take it i don't want mbna to take the acc back or will that happen anyway if capquest decide they don't want it ?

 

final point ,regards them ringing my gran. I have never rung anybody let alone a bank or dca from her number and she's x directory so they've got it from somewhere.

She's never used the internet and never to my knowledge has ner number been used on the internet.

Somebody somewhere is getting phone numbers direct from bt,that's my guess and also collecting a lot more information that we realise.

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final point ,regards them ringing my gran. I have never rung anybody let alone a bank or dca from her number and she's x directory so they've got it from somewhere.

She's never used the internet and never to my knowledge has ner number been used on the internet.

Somebody somewhere is getting phone numbers direct from bt,that's my guess and also collecting a lot more information that we realise.

 

Hmm if it were me then I would write to them and demand that they explain how they got that number as you have never lived there, never rung from there and have never given that number as a contact. Inform them that its your gran that lives there and that complaints are being made to the OFT / your MP / Your Grans MP (if different constituency).

 

Demand not ask that they remove that number from their database's and advise that if anyone from their company rings again you will not only issue court proceedings but you will contact every single press organization/company in the uk if you have to to report the harassment of relatives when the original company involved has not complied with the legal requirements of the CCA1974.

 

S.

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Cheers vinnt,so the line of attack is to

a) write to capquest telling them account is in default

 

Yes, you can adapt the bemused letter below.

Ref Account xxxxxxxxxxxxxxxxxxxxxxx

Dear xxxxxxxxx,

 

I was somewhat bemused to receive your letter of xxxxxxxxx 2009, the content of which is noted. No debt to your company is acknowledged.

 

On xxxxxxxxxx 2009 I made a formal request to MBNA pursuant to s.78(1) of the Consumer Credit Act 1974. MBNA have failed to comply satisfactorily within the statutory time limit, or at all. In addition, this alleged account was placed in dispute with MBNA on the xxxxxxxxx 2009. It should not be necessary to have to remind you that the provisions of s.78(6) now apply. These letters are enclosed.

 

In the circumstances, your threat of legal action would appear to be a breach of the Consumer Protection from Unfair Trading Regulations 2008 and the Office of Fair Trading Guidance on Debt Collection and your attention is drawn to this guidance document.

Your attention is also drawn the ICO on Data protection, as passing details on to a third party while an account is in dispute is contrary to the Data Protection Act. I have previously issued letters to MBNA under s10 of this act. You may wish to refresh yourselves of the implications of ignoring the Data Protection Act.

Should you attempt litigation it will be vigorously defended and the failure to supply documentation under the CCA 1974 is a complete defence to any legal action and your actions will be considered vexatious and unlawful. The Court's attention will drawn to the above statutory breaches . Furthermore, I reserve the right to bring the conduct of your client to the Court when the issue of costs is being considered.

I would remind you that while this alleged account remains in dispute, that MBNA:

  • May not ask for payment against this account.
  • I am not obliged to offer any payment against this account.
  • Cannot register any data with a third party.
  • Cannot take any enforcement action, including registering Defaults.
  • Cannot pass the account on to a third party for collection.
  • Cannot sell the account.

I trust this out lines the situation and that you will take note of my comments, to avoid any further breaches of the Law, being committed by you.

 

 

 

b) write to mbna asking for a letter of assignment ?

 

I would write telling them that they are in breach of the regulations, in attempting to sell an account that is in dispute and without supplying you with a notice of assignment. Would they like all of their customers to start paying Tom, Dick or Harry that write to them, instead of MBNA

 

I take it i don't want mbna to take the acc back or will that happen anyway if capquest decide they don't want it ?

 

final point ,regards them ringing my gran. I have never rung anybody let alone a bank or dca from her number and she's x directory so they've got it from somewhere.

She's never used the internet and never to my knowledge has ner number been used on the internet.

Somebody somewhere is getting phone numbers direct from bt,that's my guess and also collecting a lot more information that we realise.

 

Can't add to the advice already given by Shaddow, but do follow it through.

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