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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
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Restons and MBNA and County Court Papers


booda31
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Hello all,

 

What a great site this is. Some absoloutely priceless information.

 

I have been reading the many, many threads on Ratsons :-x and MBNA :-x. Suprise suprise I :eek: am in the same boat.

 

Before the court papers were served, MBNA had been served with s77/s78 letter, and they responded but with exactly the same as what Restons have sent now - see below.

 

Back then they said we will hold and await instruction from our client.

 

3 months pass by and I get a letter from Restons telling me to complete and sign i + e form, which I did not, and responded that the account is still in dispute/default over the s77/s78 request not being complied with.

 

They served county court papers on me on not so long ago, and I responded by sending a CPR 18 request, and a CPR 31 request using templates from this site.

 

They have responded, advising that I need to

 

"explain what part of the proceedings I am disputing, and that the CPR 18 request they do not understand its purpose" adding further that

 

"You state the information is required 'in order to file a defence and counterclaim. You provide no explanation as to why as to why you require this information listed in your correspondence and we cannot think of any justification for such a request"

 

They end threatening to apply for a summary judgment unless I accept their invitation to withdraw my defence to the claim"

 

At the top of the letter they say as requested we enclose:

 

1. A copy of the original credit agreement - this was an online application form with tick in the box

2. A copy of the latest version of the credit agreement which applied your account (actual wording)

3. Statements of account

3. A recreated copy of the Default Notice sent by our client.

 

I have emailed and written to them to advise that I will give them till x date to confirm with the CPR requests fully.

 

What would be my next step, what would go in my defence?

 

Any thoughts I'd be very grateful.

 

:)

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Can you post the PoC remembering to remove any personal info. I am assuming that you have not been to court yet or had an AQ sent to you.

What did you file when you acknowledged service did you say you intended to defend all?

The more info you can provide the better it helps everyone to try to advise you.

DG:)

I have no legal training my knowledge comes from my personal life experiences

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Thanks diamondgirl -

 

PoC

 

The claimant claims payment of the overdue balance due from the defendent under a contract dated on or around 06/09/2007 in the sum of £2xxx.xx inclsuive of interest to the date of this summons at 8% per annum from 18/11/2008 to 23/07/2009.

 

Particulars of claim a/c number:- xxxxxxxxxxxxxxxx

 

Date - 18/11/2008

Item - Default Balance £2xxx.xx

Post Refrl Cr NIL

 

23/07/2009 interest £xxx.xx

TOTAL:- £2xxx.xx

 

Together with intersest pursuant to s69 county courts act 19 at the rate of xx.xx per day to the date of judgment or sooner payment.

 

I have not been to court but have sent acknowledged service and said I intended to defend in full. Court papers were served 24/07/2009, and have given Restons until Monday 10 August to fully comply.

 

The above in my first post is all I have had from Restons.

 

Thanks

 

What is an AQ, is it the small claims book by Patricia Pearl?, I have not got that.

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Hi booda - welcome to CAG

 

You should read this thread - very pertinent to your case & it's the success of the week & you will learn a lot from it, particularly the barrister's appearance in court! ;)

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/170484-fairbyblue-mbna-restons-court.html

 

Re. your defence:

1. What date does your defence have to be in by? It's 28 days from the date on the summons.

 

2. The POC is rubbish. They are not allowed to claim stat. interest

 

3. They cannot just ignore CPR requests - you can get the court to order production of the docs.

 

4. Have you ever had any charges applied to your account & if so have you ever reclaimed them?

 

5. Have you received a DN at all? Can you post up what they have sent as a copy please (minus personal details)

 

6. Can you also post up your agreement (minus the personal bits)?

 

You will get lots of help but the info is necessary to help compile a defence.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I bet the uploads are useless looking very small, how do I get bigger size uploaded, do I need to upload 1 per post or something?

 

My defence needs to be in by Tuesday, but am unsure how to proceed further.

 

Thanks

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Thanks for the link foolish girl, I think the embarrased defence is the next step considering I can not put in a defence if they refuse information under CPR.

Their default notice looks very strange to say the least, I see the bankers themselves are into the business of crossing there signature with 2 lines - lol.

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Sorry booda, the images are too small. Did you upload using photobucket?

 

Yes, the embarassed defence is the way to go. If you can post up a draft, it will give CAGers opportunity to comment.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Never heard of photobucket till now, thanks for that, that will free up loads of space on my hardrive, and so easy to email photos and all..... going off topic.

 

I hope the following link helps, it is all that has been provided by Restons under the CPR, and its the same as what MBNA sent under s77/s78 many months ago which I disputed - untrue copies.

 

 

Pictures by booda31 - Photobucket

 

The embarrassment defence I have used a template chrisroach I think his screen name is, posted on the link you provided.

 

Thanks again, I am well happy about photobucket - lol

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Can you post the defence you are using here please?

 

The CCA looks OK so far booda, so if you wish to challenge their claim suggest you do so on the DN:-

 

1. They have to prove date of posting to show they have given you the full 14 days before arrears payment is due.

 

2. If you had any charges on this account & it is not taken into account when demanding the arrears, the DN is defective as it does not show an accurate figure.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hello again,

 

Defence

 

 

I Booda31 make this statement as my defence to the claim brought by MBNA.

 

1. The claimants particulars of claim are vague and fail to disclose any cause of action, they appear to be an abuse of the process in that they fail to deal with the basic rules of pleading in accordance with the CPR

 

2. No documents supporting the claims in the particulars have been offered which the defendant needs to establish what agreement it is that this action is based upon.

 

3. Without clarification of the claimants claim, the defendant is extremely disadvantaged and the claimants claim appears without merit.

 

4. Further to above the defendant is unable to plead effectively or at all. The defendant is embarrassed.

Have not sent it yet, but I need to get something in.

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It's a tad brief booda & not quite accurate - you have had an agreement etc. from them. It would therefore possibly be struck out.

 

Suggest the following (amend as necessary)

 

1. I xxxx of xxxx am the defendant in this action and make the following statement as my defence to the claim made by xxxxx

 

2. Except where otherwise mentioned in this defence, the defendant neither admits nor denies any allegation made in the claimant's Particulars of Claim and puts the claimant to strict proof thereof.

 

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

 

4. 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 default notices issued required for the claimant to have a legitimate right of action for the purported debt 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; and

 

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.

5. In respect of that which is denied, on xxxxx I requested that the claimant provide a true copy of the agreement to which they refer, the default notice & copies of statements under the Civil Procedure Rules to enable a proper defence to be submitted. To date I have received a copy of the credit agreement, a reconstructed default notice & some statements of account.

 

6. The defendant disputes the sum claimed.

 

7. The defendant also requests that the claimant produce material evidence as to the service on the defendant of any alleged default notice.

 

8. The claim relates to a regulated credit agreement regulated by the Consumer Credit Act 1974, yet the claimant claims statutory interest which the claimant should surely know it is not entitled to by virtue of the County Courts (Interest on Judgment Debts) Order 1991 (No. 1184 (L. 12)) in particular section 2 (3) which expressly prohibits such an award.

 

9. Consequently, I deny all allegations on the particulars of claim and do not know what case I have to meet.

 

 

Don't forget to head it correctly with Case No. etc & sign a statement of truth at the bottom.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I also suggest that if you have all your statements, you work out how much you are owed in charges etc, add the interest (you can charge contractural, also adding on the stat. 8% ;) ) & submit that as a counterclaim at the same time as you submit your defence.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 3 weeks later...

Restons have 28 days from when the defence has been submitted to decide their next move.

 

If they do not do anything, the claim would be stayed but could be resurrected by Restons on paying the neccessary Court Fees.

 

I am sure you've read plenty of threads featuring these solicitors and you'll know what their next step is. ;)

 

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  • 2 weeks later...

Just to make you aware, Restons leave everything to the last minute, don't get a false sense of security when 20 seconds before a deadline you have heard nothing, rest assured it will be following in the next 19 seconds.

 

Good luck with your defence.

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And today I have the first reponse from Northampton CC.

Its headed "Notice that a Defence has been filed"

And it comes with the famous 'aq'

 

Its being moved to my local small claims track.

I really am unsure how to proceed, I did not put a counter claim in against Ratsons/MBNA with my defence.

 

It needs to be in by 22 September 09, am confused over the fees bit aswell, my case is over £1500.00, but am on JSA income based with 2 little toddlers and wife to support?

 

Any advice would be gratefully accepted/

 

Thank you

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And today I have the first reponse from Northampton CC.

Its headed "Notice that a Defence has been filed"

And it comes with the famous 'aq'

 

Its being moved to my local small claims track.

I really am unsure how to proceed, I did not put a counter claim in against Ratsons/MBNA with my defence.

 

The AQ needs to be completed & sent with draft directions that request an order be made for docs that you require to be produced to the court. I'll try & post up something for you later

Did you send a CPR request to Restons at all?

It needs to be in by 22 September 09, am confused over the fees bit aswell, my case is over £1500.00, but am on JSA income based with 2 little toddlers and wife to support?

 

You should be able to claim fees etc. - you just apply. I'll post the link when I find it.

 

 

FG

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Thanks again FG.

 

I sent both cpr18 and cpr31.14, to which there response was along the lines of "you are just trying to waste time, please remove defence or will apply for summary judgment".

 

They did supply copies of CCA with tick in box, t+c's as they are now, copy statements and a reconstructed dn.

 

I will post the defence I used in the next post, and that brings me to where I am at now, aq stage.

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