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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.  
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      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 Harrasement and the ICO


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It is now critically important that as many people as possible write to the three following MPs referencing the petition

http://petitions.number10.gov.uk/MBNA-harra-calls/

[email protected]

[email protected]

[email protected]

In fact the ICO should be held account for allowing harassment calls, contacting family members and reporting inaccurate information while under dispute.

 

These MPs are aware, empower them with the number of responses you send to them

 

Asked by mauricetura to post the above.

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It is now critically important that as many people as possible write to the three following MPs referencing the petition

http://petitions.number10.gov.uk/MBNA-harra-calls/

[email protected]

[email protected]

[email protected]

In fact the ICO should be held account for allowing harassment calls, contacting family members and reporting inaccurate information while under dispute.

 

These MPs are aware, empower them with the number of responses you send to them

 

Asked by mauricetura to post the above.

 

Only just received notification, but the deadline says 18th August?????

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what do we say to them?

 

 

Exchange... like the new avator

 

Do what I did, and tell them you've had nothing but h a r r a s s m e n t from MBNA! I slipped in a few extras like 300 recorded calls, prescriptions from GP's, no responses to reasonable offers,

 

Please do it. There are a few MP's out there willing to speak for us ;)

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OK, done!

 

I think that the number of people was quite low.

 

I mentioned before on various threads that I think that the amount of harassment from these DCAs is so large,it needs a big campaign to stop them.

 

Lying, deception, calling work/families, etc, is not really acceptable but the industry does this as a matter of course because very few complain.

 

I am not suggesting that I am the one to start a major campaign, but I think there are sufficient grounds for getting as many signatures as possible to regulate debt collection industry techniques, because at the moment they are doing their own thing.

 

is there any way of starting such a unified campaign between us all?

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Unfortunately the petition is an example of people's reluctance to put their name to something. Despite constantly bumping the thread the response was fairly pathetic given the thousands of people registered on here and those who visit.

I don't have the answer but getting the media behind this as well as MP's must help.

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Hi exchange:)

 

I will be emailing them tomorrow. I (well, Mr L as he's the one with the two MBNA ccounts) did sign the petition and just cannot fathom why there was such a poor response to it - there must be hundreds on Cag with MBNA issues:eek:

 

Let's hope we have more success with this!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Unfortunately the petition is an example of people's reluctance to put their name to something. Despite constantly bumping the thread the response was fairly pathetic given the thousands of people registered on here and those who visit.

I don't have the answer but getting the media behind this as well as MP's must help.

 

You raise some very important points.

 

Firstly, this was aimed at MBNA customers, as opposed to DCAs as a whole, so that may limit the response.

 

Additionally, as you quite clearly state, some people may be reluctant to "put their name" on a petition. This is quite understandable, as many people who look on here are in debt and have lots of contact from DCAs and possibly feel intimidated, frightened or even, in some cases, suicidal. Consequently, the las thing that they are going to do is add their name to a petition.

 

I have thought about this a lot,as I also have been at the receiving end of DCA tactics, although in each case, I have won and saved over 17 000 pounds as I refused to be intimidated and lied to. Unfortunately, not all people fight back like this. They keep quiet, hiding letters from their family, hoping that the problems will just go away.

 

There has to be a better way of approaching this predatory industry.

 

The only way to do this is is to show unity, also as you say, to get the backing of MPs and media to make it high profile.

 

We have already seen this work for pensions, PPI credit card charges endowments and various other forms of miselling, where big public campaigns have made the banks back off.

 

Perhaps the next one is going to be the unlawful activities of DCA's.

 

As I said in my previous email, I am not really the person to start this off, i don't even live in the UK.

 

However, if a member of the site team reads this, perhaps this could be the catalyst that starts such a campaign.

 

It needs a co-ordinated effort from the top,well publicised, including the backing of MPs and the media.

 

Then, perhaps, the untold thousands of people using sites such as this, may feel confident in adding their name to a petition.

 

For every day, for every our, that we debate this without instigating any action, the credit industry, including banks, building societies, credit cards and DCA's, to name but a few, will continue to promulgate their predatory techniques, for the benefit of the few, at the expense of the majority.

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It is now critically important that as many people as possible write to the three following MPs referencing the petition

http://petitions.number10.gov.uk/MBNA-harra-calls/

 

[email protected] .uk

[email protected]

alanbeith@berwicklibdems. org.uk

 

In fact the Information Commissioners Office should be held account for allowing harassment calls, contacting family members and reporting inaccurate information while under dispute.

 

These MPs are aware, empower them with the number of responses you send to them

 

Thanks for the responses so far.

 

And we should thank mauricetura for taking the initiative again in starting this.

 

He is also preparing another petition.

 

alisindebt, I too am not in the UK so it is difficult for me to be active as well.

 

I agree with all you have said but someone needs to be dtermined enough and have the time to start an effective campaign which would be, I suspect, like a full time job.

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Many thanks for your prompt reply.

 

I concur with you, it would be a full time job for an individual to create such a campaign and sign up as many caggers and others on a high profile petition, backed by MPs and also the media.

 

Much as I have had success in challenging my debts successfully, and as such would be a possible candidate for such an undertaking, I am based in Taiwan and it would not be practical for me to be an Ambassador for such an undertaking.

 

However, as I said in my earlier listing, it would be great if you could take this as being a "catalyst" for the right person to be appointed and to start the ball rolliwng.

 

Is there anyone on the site team that could do this, or could anyone else volunteer?

 

I will put my money where my mouth is and say this-i will donate 100 pounds to CAG if we can get this off the ground.

 

Can we do this? Can we find the will to pull together as a collective team and send out a big message to the world. Or are we going to continue fighting individually?

 

It's up to all caggers out there, can we do this?

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It is now critically important that as many people as possible write to the three following MPs referencing the petition

http://petitions.number10.gov.uk/MBNA-harra-calls/

 

[email protected] .uk

[email protected]

alanbeith@berwicklibdems. org.uk

 

In fact the Information Commissioners Office should be held account for allowing harassment calls, contacting family members and reporting inaccurate information while under dispute.

 

These MPs are aware, empower them with the number of responses you send to them

 

Bumping

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hi guys ask the MP's also to look into new legislation for the credit reference agenices also and give the ICO and fsa more teeth to be able to prevent such companies circumnavigating the law.... the crowther report in which they rely on was written thirty years ago.... the internet and data was a small thing then. no these ltd companies sell our data to any one willing to pay and stuff the damage info right or wrong.... there should be new laws based on the data of today not in the 70's.... it is credit reference agencies fuelling the credit crunch by holding inaccurate data and listening to companies who dole out defaults like smarties becasue they can without getting ccj....

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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It is now critically important that as many people as possible write to the three following MPs referencing the petition

http://petitions.number10.gov.uk/MBNA-harra-calls/

 

[email protected] .uk

[email protected]

alanbeith@berwicklibdems. org.uk

 

In fact the Information Commissioners Office should be held account for allowing harassment calls, contacting family members and reporting inaccurate information while under dispute.

 

These MPs are aware, empower them with the number of responses you send to them

 

bumping

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I would respond by pointing out that you may not be one of their constituents but your vote in the next general election will be for the party which listens!

 

I am happy to rely to them in whichever way I am guided, no probs, will also copy my own LibDem MP in, am friends on Facebook with him now:p, but I thought I should also point out about this being a much-need group action, maybe even refer to CAG:confused:

 

You can do us a template email if you like :rolleyes:

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I firmly believe a campaign is needed. I have fortunately have not had problems with debt collection agencies as have managed or to be more precise struggled to pay creditors. However I have had numerous nuisance phone calls at home on my mobile and my ex place of work which I left nearly 2 years ago. All calls have been of Asian origin.It is ironic that they will try to contact you 5 or 6 times a day at least. Yet you as the debtor cannot contact your creditor with regard to unfair charges and have to rely on sending them a letter and waiting months for a reply which does not comply with your request.

Certain creditors believe they have the right to change terms and conditions as they see fit to bring in as much money as they can in the present economic climate. Nothing more than pure theft in reality.

Banks have been bailed out by the tax payer but are doing nothing in real terms of alleviating real debt.

There are no other organisations that can automatically fine you and debit your account directly.

I have to work away from home much of the time now so am not in a position to head a major compaign.

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I firmly believe a campaign is needed. I have fortunately have not had problems with debt collection agencies as have managed or to be more precise struggled to pay creditors. However I have had numerous nuisance phone calls at home on my mobile and my ex place of work which I left nearly 2 years ago. All calls have been of Asian origin.It is ironic that they will try to contact you 5 or 6 times a day at least. Yet you as the debtor cannot contact your creditor with regard to unfair charges and have to rely on sending them a letter and waiting months for a reply which does not comply with your request.

Certain creditors believe they have the right to change terms and conditions as they see fit to bring in as much money as they can in the present economic climate. Nothing more than pure theft in reality.

Banks have been bailed out by the tax payer but are doing nothing in real terms of alleviating real debt.

There are no other organisations that can automatically fine you and debit your account directly.

I have to work away from home much of the time now so am not in a position to head a major compaign.

 

A very good response though, maybe you could keep subbing :cool:

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