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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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Is my MBNA CCA enforceable?


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I have received this back from MBNA following a request for a copy of my original signed application a breakdown of the account charges and a copy of the terms and conditions for my ppi policy which I was advised I couldn't claim on.

Like many other insurance products I have with products on loans and cards I have not been able to claim for one payment on any of them.

I have been paying £200 a month after being advised I was working towards a partial settlement which I have MBNA emailed confirmation of. I requested this to be backed up in writing on letter headed paper and on doing this they sent me a default notice as I stopped the payments when I was informed there was no record of the agreement on the system.

I have since sent another letter with a complaint about the ppi and enclosing the emails I saved for my records asking for an explanation. No reply so far that was two weeks ago.

Anyway here is a link for the agreement they sent me:

 

http://i33.photobucket.com/albums/d63/carryboyuk/Consumer%20Forum%20Action/File0041.jpg

 

http://i33.photobucket.com/albums/d63/carryboyuk/Consumer%20Forum%20Action/File0036.jpg

 

http://i33.photobucket.com/albums/d63/carryboyuk/Consumer%20Forum%20Action/File0037.jpg

 

http://i33.photobucket.com/albums/d63/carryboyuk/Consumer%20Forum%20Action/File0039.jpg

 

http://i33.photobucket.com/albums/d63/carryboyuk/Consumer%20Forum%20Action/File0039.jpg

 

http://i33.photobucket.com/albums/d63/carryboyuk/Consumer%20Forum%20Action/File0040.jpg

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The agreement would be enforceable as it does contain the prescribed terms.

It would appear that you applied for the card online, and therefore a tick would suffice to be your electronic signature that you agree to the agreement.

 

Please can you post up the Default Notice.

 

Did you keep the envelope the DN came in ?

Edited by supasnooper
additions

 

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Yes Supasnooper is right since Oct 2004 online applications are valid without a signature, as long as the box is ticked. Before this, they had to send out a separate CCA for you to sign. Lets hope Supasnooper can confirm if your default notice is perhaps defective for you....hope you have your matters sorted soon

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Have a look at these copied from other threads to help you.

 

Consumer Credit Agreements - a guide to enforceability

The Prescribed Terms are these

 

A Amount of credit

A term stating the amount of credit

 

B Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

C Rate of interest

A term stating the rate of interest to be applied to the credit issued under the agreement

D Credit limit

This may be a term or the manner in which it will be determined or that there is no credit limit.

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It seems mbna send these out using uk mail which is deemed to be a second class post, therefore if date of posting is 09/10/09 it would deemed to have been served on 13/10/09 giving you until the 27/10/09 to rectify. As they are one day short of the requirement the d/n is deffective IMHO.

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  • 2 weeks later...

I have sent a complaint letter to MBNA regarding my insurance and have asked why I was misled regarding the regular payments that I made on the account in the last 12 months at £200 a month. To date no reply sent recorded who do I escalate this to now it has been over a month.

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Please keep any advice to the Open forum

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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You DN is faulty :D

 

have a read of this to understand:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/200901-anatomy-default-notice.html

 

 

dated 09th oc which was a friday 2 days for posting plus 14 days would take you 28 th

 

ida x

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Hi ida,

 

the DN does appear to be faulty what action can I now take.;)

 

No confirmation yet that the agreement has been terminated and no response to my complaint letter in relation to my ppi and payments made on account that were meant to be working towards an agreed settlement.

 

It does baffle me that when you comply with everything thats required of you then the moment you start asking reasonable questions they jump all over you in thanks for your previous loyalty no wonder so many customers like me are left miffed.

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to be honest, what i would do at the moment is nothing and wait for termination notice.

 

did they give a reason that you could not claim? missold on an online agreement would be hard to say otherwise

 

is there a specific reason that they would not pay out?

 

If I would you i would serch the legal forums to read up more about faulty dn's so you fully understand the process but do not give this up to them

 

Ida x

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Can someone advise if this MBNA Agreement (below on Photobucket link) is enforceable ?

It was taken out in May 2005.

One page document, front and back details.

 

I have had loads of letters from LINK Financial, agreed to pay them a nominal amount against mbna debt, but stopped paying them in July. Am worried now that I will get a Claim form through soon for repayment of the whole debt. Want to pre-empt that by either sending request pursuant to S.78 of CCA 74 or a CPR 31.16 request.

 

Please help.

 

http://i841.photobucket.com/albums/zz340/hpmum/mbnacca.jpg

 

http://i841.photobucket.com/albums/zz340/hpmum/mbnaccabackpage.jpg

 

Thanks in advance.

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It seems mbna send these out using uk mail which is deemed to be a second class post, therefore if date of posting is 09/10/09 it would deemed to have been served on 13/10/09 giving you until the 27/10/09 to rectify. As they are one day short of the requirement the d/n is deffective IMHO.

 

Whilst what griffin036 says is correct; technically the date that the Default Notice would be deemed served is Thursday 15th October 2009 This would only allow 12 days to rectify the Default Notice.

 

Why ?

Saturday and Sunday are not counted as actual working days for service.

 

The relevant info can be found here -

 

B_R_W's post on DN's

 

 

BTW - I'm not being picky but it gives the claimants less room to manoeuvre.......and ensures you've done your homework. ;)

 

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Hi Ida,

 

MBNA will not respond to any recorded written requests for any explanation as to why I was not able to claim on the insurance. I requested a claim form and then backed that up in writing as well and received nothing. I called and asked for the insurance section I was put through I then explained my circumstances.

Full time carer for wife and child wife suffering with disability etc had to shut my business to be at home and was informed it was unlikely I would be successful but forms would be sent that were never received.

Ignored and still ignored even as recently as last month and the request went in mid last year.

Not sure what else to do but wait. I called numerous times just to be informed they are not the type of organisation that puts things in writing that was stated by a staff member which will remain nameless for now.

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If you have an application form for a credit card,and nothing else, it is not a credit agreement and so it is NOT enforceable by itself!!!!!!!!!!!

My solicitor has advised me that a credit agreement should be about 20-30 pages long! If you have not signed something of this length then you,like everyone else prior to April 2007, have NOT signed a credit agreement and they cannot enforce the debt!

The procedure for applying for a credit card after April 2007 is far more stringent-after you send them the completed application form they will send you the credit agreement for you to sign/date etc.Only when they get this back will they issue you with a card.

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If you have an application form for a credit card,and nothing else, it is not a credit agreement and so it is NOT enforceable by itself!!!!!!!!!!!

My solicitor has advised me that a credit agreement should be about 20-30 pages long! If you have not signed something of this length then you,like everyone else prior to April 2007, have NOT signed a credit agreement and they cannot enforce the debt!

The procedure for applying for a credit card after April 2007 is far more stringent-after you send them the completed application form they will send you the credit agreement for you to sign/date etc.Only when they get this back will they issue you with a card.

 

I think you would be treading on extremely dodgy ground if you rely on your "solicitors" advice. Application forms ( pre 2007) which contain prescribed terms and signed by both debtor and creditor would be found by a DJ to be enforceable. A member of the site team has already commented on the OP's cca, being in his opinion enforceable. The only issue in the OP's favour being that the DN would seem to be defective.

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