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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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I also received this letter from Restons telling same thing that they want my signature. The letter says:

 

Dear Sir,

Please refer to your letter dated xxxx which purports to come from you but which is unsigned. We are aware that the advice on various websites is not to sign documentation, however, we must be certain that we are in correspondence with the correct person.

If you wish to correspond with us in future, please sign your correspondence and further, provide evidence of your signature e.g. copy passport. Without this confirmation we are not prepared to respond.

If this correspondence is genuinely sent by yourself then we would advise you that this firm is not the Creditor under the regulated agreement for the purposes of the Consumer Credit Act Legislation and we are not, therefore, able to accept your request on behalf of the Bank. The mere fact we are instructed by the Bank in relation to this debt does not automatically deem us agent for the purpose of receiving this written request. We must make it clear however that for the purpose of Court proceeding this firm will be on the record as acting for the Bank and hence all Court documents should be sent to this firm. Further , any court proceedings should be directed to us. It is only for the purpose of Section 78 request that we cannot act on behalf of Bank.

 

Yours faithfully,

xxxxxxx

Restons Solcitors

 

Now what do u think they are upto and what kind of reply I should sent now in reply of this letter...

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Dear Sirs

 

thank you for your letter of XXXXXX.

 

the contents of your letter quite frankly are utter nonsense. I am sure a judge would be very impressed with your refusal to deal with unsigned correspondence from people that you yourself initiated contact with.

 

If you are not sure of my identity why did you initiate contact between us and include in your correspondence very sensitive financial information?

 

I have no intention of sending copies of passports or any other personal documents to you

 

if you refuse to answer my letters i will revert to writing directly to your client.

 

Internet sites such as the Consumer Action Group provide me with a valuable source of advice and information in dealing with companies such as yours.

 

I am happy to prove my identity to you in person by attending at your offices to inspect the original executed credit card agreement that you claim your client posseses

 

Yours sincerely.

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Has MBNA or Restons taken the £10 payment for the SAR. If so, remind them of this.

 

As I said above, surely the quickest route is to send the SAR to MBNA and copy a letter to Restons telling them there's a dispute, so they must back off just now.

 

Sign your letter using this method - http://www.consumeractiongroup.co.uk/digitalsignature.php

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No, they have sent back the potal orders that I included. So u r saying I should include signature??? but it is going to cost me. Cannot I just sent some short of other identification like credit card statments.. etc.. I am scared that they might copy my signature whichever form i gave it to them.. Caue this guys have highly sophisticated IT gadgets which can easily copy signature and paste it to their form.

Please let me know your thought...

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Did you read the link in my post above about digital signatures.

 

Or use a different signature, so you'll know if they "lift" it to use on a credit agreement.

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We could do with some help from you

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they

 

If they are waiting for your signature they are obliged to "stop the clock ticking" and contact you and then recommence the clock when you have provided the information that was missing

 

they cannot simply send the po's back and tell you to start again and its a 5000 fine if they cock up

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Jason,

 

You can either use the antitamper strip that can be purchased from CAG in the link below...

 

http://www.consumeractiongroup.co.uk/digitalsignature.php

 

Or, you can type a box of XX's

 

 

X X X X X X X X

X X X X X X X X

X X X X X X X X

X X X X X X X X

 

Above in a medium grey colour then sign over the top of them.

 

There is little point in sending either the CCA or SAR requests to Restons you MUST send them to MBNA. Strictly speaking Restons if they are acting as "debt collector" or agent on behalf of MBNA then they should have passed on the CCA request. However, it is evident that they are not going to be co-operative in that respect.

 

They can request further proof of your identity, but they cannot demand a passport or driving licence (apart from which you may neither drive or travel).

 

Further proof of your identity if it is requested, could be one of the letters that Restons has sent you (make it the most threatening one). As they say, they should be sure of your identity before contacting you so why send you begging letters :)

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They can easily copy my signature, i mean they can see my signature and write it likewise.. Cannot i just sent copy of my credit card statements or any of their letter back to them to confirm my identity for subject access request.. I just donot want give them easy ride... please tell me any alternative to signature...

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hi guys my default notice dated 17 November 2009 and i was told to pay it by 5 December 2009, does this mean this DN is faulty ....(unfortunately I forgot to keep the envelope)... However I should get details from Comms Log of my SAR request when it comes...

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Hi Didddy does that mean MBNA/Restons cannot enforce it..

 

Also do u know if there is any alternative to signature for subject access request, as both MBNA and Restons want my signature for SAR and CCA request..And I do not want to give my signature to these people who can easily copy my signature and make documents... I just do not want to show them how my signature look like...I do not trust them...

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Hi Didddy does that mean MBNA/Restons cannot enforce it..

 

Also do u know if there is any alternative to signature for subject access request, as both MBNA and Restons want my signature for SAR and CCA request..And I do not want to give my signature to these people who can easily copy my signature and make documents... I just do not want to show them how my signature look like...I do not trust them...

 

you can refuse as a matter of principle if you like and want to be stroppy but i don't personally subscribe to the lifting of signature conspiracy theory

 

sign it and put a way line though it

 

miss a letter out, add a letter in, use your middle name (or dont use it if you normally do)

 

sometimes you have to lose a battle in order to win the war

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Jason, DD is right.

 

You're spending so much time worrying about your signature and we've suggested several ways that you can sign a letter, so you would KNOW if they "lifted" it and copied it to a credit agreement.

 

Take the advice offered and get your letters sent off. Delaying further is more likely to cause you problems than sending a signed letter.

 

:)

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As i have sent a letter to Restons with my income and expenditure and also offer of token payment and I also included the payment month ago per CCCS advice. Restons have declined my that offer . Now if it goes to court will I have any problem defending the whole claim.. Please advise

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HG Jason,

 

You have acknowledged the debt and offered to pay towards it but I don't see that this affects the legal enforceability of the a/c.

 

If the bank takes you to court for this debt, they should have a properly executed credit agreement. Without it, any claim against you should fail, regardless of whether or not you acknowledge the debt.

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Sometimes LIP's fail to understand the difference between admitting the debt but denying that it is legally enforceable and so end up trying to deny that an agreement or debt exists/existed, and get caught out in court when that damning question is asked "did you borrow/use the money"

 

In 99.999% of cases it is simply folly to attempt to pretend that an agreement or debts exists because there is ample evidence to prove the debtors indebtedness to the creditor.

 

I personally would ALWAYS include an admission in my defence that i acknowledge that an agreement was entered into - which will then take the "sting" out of any attempt by the other side (or even the judge) using "That" question to make your epilglottis look uncomfortable.

 

the purpose of the court proceedings is not a question of whether you did or did not enter into an agreement, (after all you cant quote the CCA regulations to try and get out of it if you don't admit that you are "in it").

 

the purpose of the proceedings is to establish if the agreement is LEGALLY enforceable.

 

unless the creditor has unlawfully terminated the agreement, and if you win the court battle you will STILL be liable to the creditor for what you owe him under the agreement, all you have established is that he cannot use any legal process to enforce the debt.

 

thus the following is a VERY useful addition to your armoury

 

The Defendant admits entering into an agreement with the Claimant and which was regulated by The Consumer Credit Act 1974 (The Act). No admissions are made as to the terms, conditions or other provisions of the agreement and the extent to which the Claimant may or may not have complied therewith and the extent to which the Defendant may or may not have complied therewith. Further and alternatively, it is denied that the agreement was properly executed and/or is now enforceable in whole or in part.

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Okay I am in it.. just came home and found the brown envelope...Seems they do not understand though I told them they will waste time by issuing CCJ claim form... Anyway the details follows:

 

It is issued by Nothampton (CCBC) Bulk Centre:

Issue date 07 Jan 2010

POC says:

The claimant claims payment of the overdue balance due from the Defendant under a contract dated on or about 21/07/2001 in the sum of 6xxx.xx inclusive of interest on the date of summons at 8% per annum from 13/12/09 to 06/01/10

PARTICULARS a/c no: xxxxxxxxx(credit card number)

Date Item Value

13/12/2009 Deafault Balance 6xxx.xx (say 6000.00)

23/12/2009 Post Refr Cr -xx.67 (say -23.46)

23/12/09 xx.67 (say 23.46)

05/01/2010 Interest 4x.xx (say 40.00)

Total 6xxy.xx (they have total 6016.54)

Together with:

Interest pursuant to s69 Country Courts Act 19(missing the whole year)

at the rate of 1xx.xx pence per day

to the date of judgement or sooner payment.

Now guys I need all of your advice and guidance to take on MBNA/Restons.

Do u guys want me to upload the whole claim form..

Now plz tell me

1.Why they have said the date of agreement on or about 21/07/2001, does that mean they do not have the agreements and they are just guessing..

2. Does interest pursuant to s69 County Courts Act allowed for CCA 1974 agreements debts,

3. The even didnot write the full year for the ACT.

4. the total does not seems to add up,

4. as the POC is vague, can I apply to Struck it out from the court.

 

Please let let me know all of your expert advice....so that we can win togerther.. wait for your response

Edited by jason_mnm
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first thing to do is go online and acknowledge service, then you can take our advice at leisure

 

you can ask for extra time online to the 28 days it gives you

 

print off your acknowledgment receipt and keep it with your file

 

+++++

 

then you will make a CPR31.14 request for copies of any document mentioned in the POC plus full particulars of the account and the figures they have used to arrive at the figure in the POC

 

you can also send a CPR18 for any other information that you need for your defence but which is not mentioned in the POC

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