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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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MBNA ignoring everything


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Hi,

 

I issued a SAR request on MBNA through a claims company over a year ago. The claims company dropped the case (and gave me a refund) and I requested the information received in response to the CCA request and SAR.

 

Believing MBNA's responses to be inadequate I wrote to them giving them all the details of the original SAR and explaining why their response was inadequate.

 

They ignored my letter so I wrote a LBA and again received no response. I then issued an N1 at County Court.

 

MBNA filed no response and I was awarded Judgment By Default - including costs.

 

However since then I received a letter from MBNA saying I had no argument and not mentioning the Court action at all.

 

I called the Court and was advised to write to the Court Manager (includiong a copy of MBNA's letter) asking him to request a Judge look at the Judgment (pointing out it was mainly for information with only costs forming the financial part) but received a one line response saying it is not for the Court to advise me how to proceed.

 

All the info and documents I can find are about enforcing the financial part of the Judgment, can anyone advise how do I get my information?

 

MBNA have marked my credit file as default.

 

I'm wondering if MBNA don't want to go to Court due to 'doctoring' my application form??

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  • 2 weeks later...

Hi Supasnooper, thanks for helping me again!

 

I haven't reported them to the ICO, I will do that now though.

 

I thought the N1 form was clear that it was the information that I was after and that it did seek an order that the Defendant complies (POC#7)??

 

The N1 was laid out as follows:

 

Defendant: MBNA

 

Brief details of claim: Order under Section 7 and Section 15(2) of the Data Protection Act 1998

 

Value: Damage

 

Particulars of claim:

 

1. The Defendant is a Data Controller within the meaning of the Data Protection Act and is responsible for the processing of data of which the Claimant is a Subject.

 

2. The Claimant has an account number ("the Account") with the Defendant which was opened on or around 2003.

 

3. On 6th March 2008 XXXXXXXXXXXXXXXX, acting on behalf of the Claimant, sent a Subject Access Request, pursuant to Section 7 of the Data Protection Act 1998 to the Defendant.

 

4. The Defendant has failed to comply.

 

5. By virtue of the Defendants failure to comply with the Subject Access Request the Claimant has suffered damage.

 

6. The damage caused is:

Extra costs incurred in addition to Court costs due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents and seeking legal advice. I estimate the cost to be £174.86 (see attached schedule 1).

 

7. The Claimant seeks an order that the Defendant do comply with the Claimants Subject Access Request.

 

8. Under the terms of Section 15(2) of the Data Protection Act 1998, where the Defendant contests that information requested under the Claimants Subject Access Request is not included within the scope of Section 7 of the Data Protection Act 1998, the Claimant requests that the Court inspects that information and where it finds that the Defendants opinion is unfounded, that it orders such information be included within the information supplied to the Claimant under the Subject Access Request.

 

9. To remind the Defendant that their obligation under S.7 is to supply all data held by their company irrespective of the date of such data. If it is contended that they do not hold such data before such a time, please could they confirm this by providing the Certificate of Destruction.

 

I was awarded Judgment by Default on 28th October and received a letter from MBNA dated 9th November (a copy was sent to the Court by me with my request for the Judge to look at my original claim) which 'thanked' me for my reply to their response under Section 78 of the CCA. Their readings of the terms of executed credit agreement suggests my objections are not well founded.... etc etc. The letter isn't signed and included are some 'copies' of two different signature forms, one of which looks very dodgy..?

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As you requested a Court Order in your POC, you are entitled to a Court Order to be issued to enforce this.

 

I would write again to the Court Manager, enclosing a copy of your POC's and your Judgment Order, asking for this to be placed before a Judge for an Order to be issued to MBNA for compliance.

 

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These were the thoughts of another member of the Site Team, car2403 -

 

The OP needs to enforce Judgment, probably by asking the Court for an Order of Specific Performance, stating that they must supply the info requested, or face further enforcement action.

What that looks like, I don't know, but while he has Judgment, he needs to act on it, or they will walk all over him for forever and a day.

 

So, I would get cracking on what my esteemed team colleague has suggested and get the Court to issue the Order of Specific Performance,

 

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Thanks for the input both!

 

How does this letter look..?

 

LETTER REQUESTING JUDGES ATTENTION

Re: XXXXXXXXX

Dear Sirs,

I was awarded a Judgment for Claimant (in default) in relation to claim XXXXXXX on 28th October 2009. This claim was against MBNA. I enclose a copy of the Judgement Order.

I have received no payments from MBNA and no further information other than a letter dated 9th November 2009, which makes no mention of this Judgment. Please find a copy of this letter enclosed. There has been no acknowledgment of this Judgement by MBNA at all.

I am a Litigant In Person and have no legal training, however after seeking advice I believe that as I requested a Court Order in my original Particulars Of Claim I am entitled to a Court Order to enforce this. I would now ask that this matter be put before a Judge, requesting that the Judgement be enforced by issuing an Order of Specific Performance, stating that MBNA must supply the information requested or face further action.

Yours Sincerely,

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The content looks fine.

 

I'd head the letter with the claim details and then begin the letter asking for the letter to be placed in front of a Judge.

 

I would also include a copy of your original Particulars of Claim to remove any doubt as to what you specifically asked for.

 

I'd also ask for a Costs Order as well if MBNA have not paid up.

 

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Thanks, have adapted slightly and added a couple of lines from car2403's suggestions on another thread, how's this look?

 

The Court Manager

County Court

 

28th December 2009

 

Claim: XXXXXXXXX Mr XXXXXXXXX –v- MBNA

 

Dear Sirs,

Please can this letter be put before a Judge.

I was awarded a Judgment for Claimant (in default) in relation to claim no. XXXXXXXXX Mr XXXXXXXXX –v- MBNA, on 28th October 2009. I enclose a copy of the N1 claim form and Judgement Order.

I have received no payments and there has been no acknowledgment of this Judgement by MBNA at all. The only further information received from MBNA has been a letter dated 9th November 2009, which makes no mention of this Judgment. Please find a copy of this letter enclosed.

I am a Litigant In Person and have no legal training, however after seeking advice I believe that as I requested a Court Order in my original Particulars Of Claim (copy enclosed) I am entitled to a Court Order to enforce this. I would now ask that this matter be put before a Judge, requesting that the Judgement be enforced by issuing an Order of Specific Performance, stating that MBNA must supply the information requested or face further action. This is a specific option available to the Court contained within its powers under s.7(9) Data Protection Act 1998. I am asking that the Court order the Defendant to specifically perform an action, namely complying with my s.7 Data Protection Act Subject Access Request. I am also seeking a Costs Order to enforce payment.

 

Yours Sincerely,

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That looks fine, jowil. Please let us know what happens:)

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  • 4 weeks later...

Finally, I have received a response from the Judge:

 

Dear xxxxxxxxxxx,

 

Re: xxxxxxxxxxxxx -v- MBNA Europe Bank Ltd

Case No: xxxxxxxxxxx

 

Your letter dated 2 January 2010 has been placed before the District Judge who directs that 'It is a matter for the Claimant how he proceeds and he applied for a default judgement for the payment of a sum of money on 23 October 2009. A Judge cannot assist him in correspondence. If he wishes to make a formal application to Court he should do so.'

 

Yours sincerely,

 

xxxxxxxxxxxx

Courts Section

 

I'm thoroughly lost now as I thought my letter was a formal application for an Order of Specific Action and an Order for Costs.

 

How do I enforce my default judgement???

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Hmmm, I am wondering if they are saying you need to do this on a proper court form and pay more bliddy fees, which should be recoverable from MBNA.

 

I will hit the SOS button for you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Is anyone able to help advise a bit more on this please? I really want to get a result having been given my Judgement by Default and I'm not sure how I would fill out and issue an n244 (or even if that really is the right form)?

 

Thanks.

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I'd look at how MBNA do it. IE, if you'd owed money to them and they got Default judgement, what do they do next?

Youve got the tables turned here, so you should IMHO kick them where it hurts.

I think as long as you dont do anything they wouldnt do themselves, they cant argue and would have to pay up.

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How close are you to the court? It helps to go there in person if at all feasible.

 

As someone has mentioned above I expect you will need to fill in another form and submit. I have no idea if you have to pay another fee but it wouldn't surprise me if you did.

Why the person who wrote to you didn't mention this course of action is beyond me.

 

One other point : if you really want to wake MBNA up then apply to have their banking certificate revoked. If that happened they would be out of business at a stroke, although the chances of this actually happening in your case are zilch (remember BCCI).

It will, however, cause a certain amount of consternation.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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This link may help. Enforcing judgment

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Sorry, but I have a nagging feeling that the opportunity to enforce has now passed.

 

The OP has effectively requested a monetary judgement by default rather than applying for an order of compliance within original claim.

 

The part 7 templates we use are open to interpretation by the DJ and can sometimes be seen as an either/or.

 

Fortunately on this occassion the DJ has not directed to part 8.

 

I have a nasty feeling that the OP would need to effectively set-aside his own favourable judgement in order to request a specific performance be so ordered in its place.

 

Depending on the OP's current circumstances it may be preferable to enforce this one and start the process again.

 

Could be very wrong on this but DJ's (having now met 1 or 2) are only human and if they see an easy day on the cards they'll take it just like the rest of us.

 

Gez

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  • 1 month later...
Hi Gez,

 

How do I go about getting this Judgment set-aside and requesting another?

 

I'm assuming there's a specific form and a fee to pay?

 

Hi Jowil

 

I would advise strongly against having your own judgement set aside.

 

It doesnt appear that your local DJ is interested in assisting you with enforcing a specific performance of the respondent......... unfortunately you would have needed to write to the court pre judgement to ensure that an order included the release of data. To do so now would effectively be reversing the monetary judgement already made (setting aside), this in itself leaves the door open for MBNA to defend at limited costs. In the event that your friendly DJ is then 'misdirected' into moving to part 8 you could leave yourself open to costs!

 

I'd enforce the judgement as it stands and recover any money due to you under the order.

 

Put this one down to experience, you can of course SAR again after a reasonable period....;)

 

Gez

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  • 3 weeks later...

So does that mean that despite not issuing a Defence and ignoring my Judgement by Default, MBNA can get away with just ignoring everything because I folllowed the Courts advice in filing for Judgement by Default??!!

 

That is ridiculous!

 

Surely I can go for unlawful rescision of the account as its been marked as a Default with the CRA's?

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So what should I have done? There didn't appear to be many options on the Court form.

 

And where does that leave me now?

 

As I said can I go for unlawful recission?

 

IMO you would need to make another application to order them to provide the information you want under the SAR

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