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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.  
    • 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?  
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MBNA/Reston threating court action


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Hi Jason,

 

I now understand what you've been talking about re Charging Orders, Tomlin Orders, etc.

 

TBH, I don't see the scenario of "prejudice of one creditor over another" being of much help to you, certainly not yet anyway.

 

The obvious ploy will be to avoid any court action that could result in a CCJ and resultant payment orders of the court.

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Couldn't find at first. Username is Fairbyblue !!

 

Thread is here, all 50 pages of it - http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/170484-fairbyblue-mbna-restons-court.html

 

I didn't mean to be flippant in saying avoid any court action. And I don't have a useful answer about how to avoid it.

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..... By te by do u think should I send now CPR14 request to get the off court action...

Can you retype this so it makes more sense. Poor typing and abbreviations will lead to misunderstandings, which you don't need.

 

Thanks :)

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Sorry guys...I meant I have already sent CCA request with £1 postal order. Now should I send CPR14 or 16 request so that they does not take any court action. As court action without satisfying CPR14/16 request will be waste of time for them....Also as I already have a Tomlin order, can I now apply for Administrative order so that no one can take any further action against me.. by the by I have more than £60,000 loan altogether with all creditors...

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Hi Jason,

 

Can I suggest you start a thread in the Legal Issues or the General Debt Issues forums and see if you can get further general guidance there about your overall situation.

 

As far as I can see, you can't pre-empt action being taken in the way you suggest, using CPR 31.14 or CPR 31.16.

 

CPR 31.16 can be used to try and get a copy of your credit agreement, in anticipation of it being unenforceable. Then you could seek a court ruling that the a/c is unenforceable. But this will only work with individual account debts and is not a cure-all remedy.

 

Read up on CPR at Link No2 in my signature. :)

Edited by slick132
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By the by I am confident the credit agreemenst is unecforceable like others... And also the said card was issued by Abbey, not MBNA; and Abbey hardly can look for such a old agreements... I saw Snoop thread and it does give hope.. well done snoop.. With yours and others advice I am sure I will win...

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Update I recieved letter today which my wife gave me today.. written by Restons that the pro rata payment amount I offered is insufficient and they will take court action.. So i guess I have to wait for the CCJ claim form and hope I can defend it and win..

Edited by jason_mnm
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Jason,

 

I'd keep all your posts on this thread as it will help others to help you far easier as some of the details are already here. ;)

 

You're doing well so far if you have read the threads of Fairbyblue and myself but you'll have noticed that Restons do not desist from legal action. :mad:

 

Here is another to read, I know it's HFC but it does involve Restons - http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/110146-car2403-hfc-bank-default.html

 

Moving onto CPR 31.14 and CPR 31.16; as slick has posted earlier, CPR 31.16 can be used to try and get a copy of your credit agreement, in anticipation of it being unenforceable. Then you could seek a court ruling that the a/c is unenforceable.

You could begin this process to put the pressure on MBNA.

 

CPR 31.14 is used as tool to disclose documents but only ONCE Court action has been instigated.

 

If you've read my thread, you'll note that I sent a CPR 18 request. This part of the CPR can be used to ask for further information as to any other documents the claimants solicitors may hold.

 

You will also have noted from the threads you've read how important MBNA's "Comms Log" is.

You'll need to get a copy of this by adding a specific sentence requesting this in the Subject Access Request that you'll need to get off to MBNA.

 

Add the "Comms Log" request into the SAR template letter - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

The SAR will cost £10.00 ( use a postal order), send the letter unsigned and by at least Royal Mail Recorded Delivery (or RM Special delivery if you can afford it).

MBNA then have 40 calendar days to respond to this from the day they receive it - so mark it off on the calendar or diary you got for Xmas.

 

And if you have any spare time, I'd also advise reading this thread http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/124572-hfc-no-agreement-amended.html.

I know it is about HFC again but it features Restons again so it wil give you a good heads up on the way they think. (It's still the same modus operandi).

 

Finally, after all that, I'd search the forum and read any thread featuring Restons so you know what tricks and stunts they pull.........and how to counter them.

 

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Jason, you have been given some good advice by snoops and slick.

 

I think at the moment you are getting ahead of yourself which could confuse you.

 

You have been asked if you have been issued with a Default Notice, Termination Notice, Letter before Action.

 

These are necessary before the creditor can proceed to litigation. If you have received them, please remove any identifying information and post them up for comment.

 

You should keep the envelopes that correspondence from Restons and MBNA come in. Staple them to the back of the letters. Make sure that any any letters you send out are at the very least, sent by recorded delivery.

Edited by citizenB
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I would ask that you can post ALL the documentation and information that you have regarding this case as we appear to be missing an awful lot of info on this one.

 

Can you please enlighten us more on the Tomlin order and the terms that you have agreed to ?

 

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Hi Snoop that Tomlin order is for another lender, not for MBNA.. as I told I got allmost 6/7 credit cards , they all owe more than MBNA and they all agreed to my repayment offer except MBNA. Only MBNA/Reston being nasty and spoilt my Christmas and I even not able to sleep properly ...

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I will get all doucments in order including letter from MBNA/Deblt Clear Recoveries who asked me to remortgage my property and pay this MBNA card when I got no equity in the house..and will write again with all details...

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Here is the details:

 

I took this Abbey card sometime in 2001,

I paid them till this year Februalry 2009 the minimum payments, let me inform you I have been working all my life to pay for credit cards and loans, I never had a normal life since student cause of this credit cards and loans,

In March 2009 I started having serious financial problem and contacted CCCS per Natwest advice and they help me to make payments only which I can afford, they made my income and expenses summary and send it to all creditors, everyone accepted including Abbey/MBNA put me through Hardship plan.

But then in September 2009 I received a letter from Abbey by giving me options 1.to pay arrears, 2. to make £120 per month and 3. partial settlement by paying around £2500 (which is out of my reach). I call them after some time to know if they will settle it for less something like £900, they said it is too late.. However I called again to make my usual token payments but the person on other side said he cannot take payment.

 

Then on 15.10.09 I called at 10.14pm to MBNA to make my payment for the month and the person named Thomas...surname (witheld) told me that I should not be worried to make payment. I felt good thinking they are civilised people who understood my problem and forgot my debt.

 

But on 3rd November 2009 I received a letter from Debt Clear Recoveries and Investigations Ltd saying now they are acting for this card.. Then I understood why MBNA was so nice on 15.10.09.

Then I received a letter dated 16 November 2009 from Debt Clear Recoveries asking me to ask for assistance from relative/friend to raise fund and also to remortgage property to pay off the creditors. They gave me untill 30th November 2009.

I send same offer of ptop rata payment offer and settle offer of £500 to both MBNA and DEBT CLear, but no response.

Then I received another letter same day dated i.e. dated 16.11.09 from DEBT CLEAR giving me notice of potential court action (written valid even if not read by you) asking to pay full balance by 1pm of 23 November 2009.

 

Then I recievd Default notice dated 17 November 2009 (unfortunately I didnot keep the envelope as I was not aware then, I will need the envelope). The notice asking me to pay £1030 in order to remedy the breach by 5th December, giving account balance £6630 ( I have hide the exact balance in case Reston is spying on me like Snoop).

 

I called MBNA to discuss but they said I should only talk to Restons and MBNA also said that if I agree to have charge on my property then they will not take court action. I denied to have charge as my highest lender tried same and at last they agreed not to have charge on the property and agreed to my pro rata token payment offer with Tomlin Order. I have to tell this High Street bank are more civilised who listen and try to be responsible, but MBNA has been totally irresponsible.

 

Then I received a letter from Restons Solicitors dated 15th December 2009 asking to pay £6616 (please note this is different amount than the one in Default notice) by 29th December 2009.

They give me 6 days to send income and expenses and offer of payment, I sent that but they said it was insufficient and they will take court action.

Then I send CCA request on 22 December 2009 per Slick advice. In the mean time the solicitor of Reston called me but I could not take his call. May be he will call when he is back to office tomorrow or may be I will get CCJ claim form as he wrote in the letter that he will take court action.

Now after getting advice from Slick, Snoop and CitizenB I am feeling brave to take on MBNA though I am scared for my career . CCJ can ruin my whole life that I have built on my own. Now I regret why I fall into this bad banks to take credit cards and came to this situation....

Now plz let me know if you need more information...wait for your kind advice..

Edited by jason_mnm
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Then I received a letter dated 16 November 2009 from Debt Clear Recoveries asking me to ask for assistance from relative/friend to raise fund and also to remortgage property to pay off the creditors. They gave me untill 30th November 2009.

 

 

this is ilegal

 

if its in writing, the fos would be very interrested to see this.

might even write the whole debt off through compensation.

 

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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