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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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/Reston threating court action


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sorry it is ceratainly against OFT guidelines

thatts for sure

they need reporting.

 

hic:D

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Jason.

 

This at the moment is just a THREAT of court action, yes ?

 

In which case you need to send a Subject Access Request to MBNA. This will cost you £10.00. I would suggest you send the £10.00 in the form of a Postal order. Send the letter, including the Postal order by special delivery or recorded delivery mail. The company have 40 calendar days to provide you with information.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

Until you receive a County Court claim then you are not able to send a CPR18.

 

By telephoning Restons or MBNA you are only making it more difficult for yourself. So stop. Keep everything in writing.

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Hi guys do u think I should send a letter to Restons not to go to court as this will be waste of time untill I received my subject access request and also CCA request that I sent to Restons... Should I put the accounts in dispute? Should I write to FOS complaining MBNA asked me to remortgage property to pay their debt? Please advise...

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Need quick advice..on my following letter should I refer to both Abbey and MBNA???...

 

To,

MBNA Europe Bank Limited

Customer Assistance Department

PO Box 30

Chester Business Park,

Chester CH4 9FD.

 

 

Data Protection Act 1998

Subject Access Request

 

Dear Sir/Madam,

 

Credit Card Agreement: xxxxxxxxxxxxxxx

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:

 

  • The original signed, executed credit agreements and any terms and conditions that applied to the account at the time of default and at the time the account was opened,

  • Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with Abbey credit card and/or MBNA.

  • True copies of any notice of assignment and default notices or enforcement notice that you/Abbey sent me, with copy of any proof of postage that you hold.

  • Documents relating to any insurance added to the account including the insurance contract and terms and conditions, date they were added and deleted.

  • Details of any collection charges added to the account; specifically, the date they were levied, the amount of charge, a detailed financial breakdown of how the charges were calculated, and what the charges cover.

  • Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

  • A genuine copy of any notices of fair use of my data as required by the Data Protection Act 1998.
  • A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

  • Copies of statements for the entire duration of credit agreements.

  • Termination notices.

 

PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in HIGH Court Law-Ezsias V Welsh Ministers – [2007] All ER (D) 65 (Dec).

 

You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007).

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

Edited by jason_mnm
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Hi Jason heres a link to my thread on subj access info advice, I too thought better than them stalling me for the info I wanted to send a copy of proof although advice on this thread said you shouldn't need to. http://www.consumeractiongroup.co.uk/forum/mbna/203137-subject-access-mbna-debt.html

 

Copy of my subj access letter attached too should you feel it apt. I was up against MBNARestons in court in July as this duo did not want to compromise on payments I could make like other creditors have done. I am with Payplan, the judge has halted everything to them since then & sat on the case since so no news is good news for me for the time being. Your welcome to take a peek at my thread should it help you anytime....http://www.consumeractiongroup.co.uk/forum/legal-issues/185814-court-papers-help-required.html

 

Good luck in persisting with your stance, do everything in writing as per the advice you've been given and you wont go far wrong in having all your evidence to back it up should it ever get to the county court procedure stages ;)

MDAW Subject Access.doc

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Hi westie and Mark thanks for the reply. But Restons cannot get charge on the property, same was tried by Natwest to whom I owe huge amount. MBNA comes 6th on my creditors list. Hecne ther is no way Restons can get charge on the property which has no equity at all...

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In that case I am going to report to The OFT, THE FOS , The local MP and Prime Minister and Opposition Leader and the Chairman of Treasury Select Committee telling how Restons affecting people's life and to take action against them..

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Well I will win...and I have done it before... and will also get Restons reported to all respective bodies and Government Ministries for getting people life miserable by their dirty tricks...

Edited by jason_mnm
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Hi Jason,

 

Send the SAR to MBNA but don't include the statement which you suggested - if they need anything from you, they can let you know. Use this template, adapted as nec'y - http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-

 

Send a copy of the letter to Restons pointing out that the a/c is in dispute with regard to unlawful penalty charges and they should therefore withhold all collection activity until this matter is resolved. Remind them that the OFT Debt Collection Guidelines state that they must stop collection activity.

 

As regards reporting Restons to all and sundry, wait and see what happens and perhaps use the letter (their letter which suggets you should borrow to pay them) as a bargaining tool further down the line.

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Use the template SAR. If you want to add specifics about what you require, then do so.

 

It'll do no harm but the SAR is a letter asking for all data held about you, so no specifics should really be required.

 

:)

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Restons are not responsible for sending you any information, it is the bank. The debt has not been assigned to Restons, they are simply acting as the bank's solicitor.

Yes & dont we know that!!! My SAR was headed to MBNA anyway if you had cared to look.

 

 

Restons can be very ruthless in their approach unfortunately.

 

Yes & dont we know that!!!

 

I understand what your saying, but from my experience in dealing with MBNA in that resepect, i believe that they will have a copy of the original agreement. It is then up to you to pick fault with the agreement, whether the details of the agreement are correct ect.

 

As I said before, the debt has not been sold or assigned to Restons, they are just a firm of solicitors acting for the bank.

 

They are not responsible for sending you any information, the bank is.

 

I have known of other Abbey Credit Card customers trying the same as what you are trying to do, but have not won.

 

Mark you believe they will have copy of an agreement :idea: I dont think so in alot of cases. Restons certainly do not intimidate me and anything they want to try in my case will be challenged to the hilt....

 

Jason hope my extended info on the SAR details have helped. Might aswell ask for the lot & get your tenners worth!!!

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I must say, I don't agree that you should call Restons. Contact is better kept in writing.

 

If you DO decide to phone them, make proper notes immediately after any call so you have a written record of anything discussed. Sign the notes and add the date and time.

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