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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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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Varde Investments, Experto Credite & Overseas Companies


Guest HeftyHippo
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Guest HeftyHippo

There are a couple of threads sprung up recently about MBNA selling debts to Varde Investments Ireland Ltd. Usually the first news of this is a letter from Experto (who are owned by Varde) explaining this and stating that they act for Varde.

 

It's been suggested that such a sale could not result in enforcement because Varde does not have a UK Credit Licence as required by the 1974 CCA, and Experto although having a licence does not own the debt and so cannot act. Without seeing the actual agreement, it's not possible to say if it allows the intervention of any third party.

 

In my thread about my MBNA debt, http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/238117-mbna-experto-credite-accounts-6.html#post2709293 I suggest that Varde could get a UK credit licence for less than £1000.

 

However, I've come across something else. I didn't want to put it in my thread because obviously I want to get advice on my situation in there rather than have it turn into a discussion about legislation etc. Also, it may be useful and applicable to others on here, and relevant to other creditors and debt buyers so a central discussion seems better. I haven't read all of the following documents, nor any others that may be relevant, so if you know something feel free to say it.

 

If you look at "Statutory Instrument 1995 No. 3275 The Investment Services Regulations 1995" see it HERE

 

section 4 says:

Authorised services

4. For the purposes of these Regulations a European investment firm is authorised to provide in its home State any listed service which its authorisation as an investment firm or as a credit institution authorises it to provide.

That bit seems to be a circular statement, but defines a 'European investment firm'.

 

section 5 says:

Effect of recognition

Authorisations and licences not required

5.—(1) Subject to paragraph (2) below, nothing in the following enactments, namely—

  • (a) sections 3 and 4 of the Financial Services Act (restrictions on carrying on investment business); and

 

shall prevent a European investment firm from providing in the United Kingdom any listed service which it is authorised to provide in its home State.

 

(2) In relation to a European investment firm in respect of which a prohibition under these Regulations is in force—

  • (a) paragraph (1)(a) above shall not apply if the prohibition is under regulation 9 below; and

 

  • (b) paragraph (1)(b) above shall not apply if the prohibition is under regulation 15 below.

The 'prohibition' mentioned refers to prohibiting persons who have committed things such as fraud that makes them unfit to have a licence.

 

The parts of CCA1974 mentioned above:

21.-(1) Subject to this section, a licence is required to carry

on a consumer credit business or consumer hire business.

39.-(1) A person who engages in any activities for which a

licence is required when he is not a licensee under a licence

covering those activities commits an offence.

(2) A licensee under a standard licence who carries on

business under a name not specified in the licence commits an

offence.

(3) A person who fails to give the Director or a licensee notice

under section 36 within the period required commits an offence

Licensing

147.-(1) The provisions of Part III (except section 40) apply

to an ancillary credit business as they apply to a consumer

credit business.

(2) Without prejudice to the generality of section 26, regula

tions under that section (as applied by subsection (1)) may

include provisions regulating the collection and dissemination of

information by credit reference agencies.

Part III deals with granting of licensing, conditions of licences, procedures etc

 

 

So essentially, for our purposes (ignoring the investment side), if a company is allowed to undertake credit and debt related activities at home, and they are 'fit and proper' then they are allowed to perform the same activities in the UK, are subject to the same rules but do not need a UK credit licence.

 

That means they can share info with CRAs and pursue debts through the courts in the same way as a UK company can.

 

Now, overseas debt collection is more expensive than collecting at home, but Varde has a UK 'wing' Experto, already set up and active.

 

Now, Varde don't have any more power than any other DCA, but we seem to have enough as it is and probably don't need any more, unless they're going to be a replacement rather than an addition, and I don't think that's the case!

 

That's my interpretation, but I'd welcome others.

Edited by HeftyHippo
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Would it be worth asking the OFT the specific question

 

'If a company has a consumer credit licence for another EU state, do they need a licence for the UK?'

 

I think this is a very important point to clarify, since if MBNA are selling stuff 'overseas' you can guarantee everyone else will start doing it eventually. I bet there's some tax advantage or something.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Guest HeftyHippo
Would it be worth asking the OFT the specific question

 

'If a company has a consumer credit licence for another EU state, do they need a licence for the UK?'

 

I think this is a very important point to clarify, since if MBNA are selling stuff 'overseas' you can guarantee everyone else will start doing it eventually. I bet there's some tax advantage or something.

 

well the OFT website says they don't give advice to the public. I tried consumer direct who said an overseas company could enforce a debt in a UK court.

 

The legislation I quote above seems pretty clear to me unless my interpretation is wrong.

 

I am sure there's a tax break somewhere, and also that others may be tempted to sell overseas as well eventually.(particularly if GAGGERS continue to beat the existing debt buyers so they lose interest in buying any more dodgy 'debts' LOL. New, gullible buyers would be needed lol)

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Interesting info hefty,

unfortunately for Varde even though the alleged debts are now owned by an international company, they are still covered by UK law. So if they ever took it to court in the UK they are still bound by the CCA 1974.

 

If the debts were absolute assignment they need to produce evidence of delivery of said notice this is "Law of Property Act 1925 s136". Basically you need to be served said notice by registered mail prior to the sale by the original company. If its served in this way basically is an equatable assignment only, if this is the case both Varde and Mbn@ have to take you to court.

 

The facts are the alleged debts have no valid CCA, no valid DN and are unlawfully rescinded they can chase all they want but they cannot collect. If they decide to take anyone to court they are fools they will lose before they enter the gate. And knowing old MBN@ peoples alleged debts are £5k+ and hence cost quite a bit to take to court.

 

I don't believe anything can make it go away until they are statute barred.

 

Too be honest Exspurto are either very inept or are just collecting off lots of poor souls that don't know differently. From their current track record Exspurto cannot be bothered to chase people in the know so to speak, they cannot even be bothered to answer letters.

 

Safely store and scan your documents.

 

Pumpytums

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Too be honest Exspurto are either very inept or are just collecting off lots of poor souls that don't know differently. From their current track record Exspurto cannot be bothered to chase people in the know so to speak, they cannot even be bothered to answer letters.

 

Never hear from them - they just ignore me now :D

 

M

 

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Guest HeftyHippo
Interesting info hefty,

unfortunately for Varde even though the alleged debts are now owned by an international company, they are still covered by UK law. So if they ever took it to court in the UK they are still bound by the CCA 1974.

Yes, I make the point above that they are still bound by the 1974 Act

 

If the debts were absolute assignment they need to produce evidence of delivery of said notice this is "Law of Property Act 1925 s136". Basically you need to be served said notice by registered mail prior to the sale by the original company.

Yes, that's been said by some, and disputed by others. I can't find anywhere where the requirement to serve by recorded delivery is stated. If recorded delievery was a requirment, that would mean hand delivery by server was not allowed - personal service is usually the most favoured/reliable method but isn't widely used because of cost.

 

The facts are the alleged debts have no valid CCA, no valid DN and are unlawfully rescinded they can chase all they want but they cannot collect. If they decide to take anyone to court they are fools they will lose before they enter the gate. And knowing old MBN@ peoples alleged debts are £5k+ and hence cost quite a bit to take to court.

 

I don't believe anything can make it go away until they are statute barred.

Yes, standard CCA and contract law

 

Too be honest Exspurto are either very inept or are just collecting off lots of poor souls that don't know differently. From their current track record Exspurto cannot be bothered to chase people in the know so to speak, they cannot even be bothered to answer letters.

No diferent from any other DCA, except if they don't pursue people who know the law, maybe they're not that inept, so maybe their ineptitude should not be taken for granted?

 

What you say is generally true, its all standard law. The point I'm making is that my interpretation is that a company based in Europe can pursue debts in the UK. Previously it's been stated that that is not possible. I think it is, and simply wanted to put an interpretation of the law based on actually reading the legislation in this arena to counter the other point of view that seems to be based on speculation and interpretation of other laws rather than legislation aimed directly at this scenario.

 

This legislation appears to override certain aspects of the CCA1974.

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Guest HeftyHippo

I don't want this thread to be dragged off course about standard things dealt with elsewhere but would like it to be concentrated on the possibility of Debts being sold overseas.

 

However, the argument is that s196 says that sufficient service can be achieved by sending a registered letter. It doesn't say that ordinary post is not sufficient service. If the intention was to require registered post v ordinary post, the Act would say that.

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Ok Hefty back on track,

check out the following link

 

Channel Islands Stock Exchange - Listed Security Detail - VPRSSNRN - VP Resi Ltd Details

 

Details of Registration - Data Protection Commissioner - Ireland

 

this is VP vesi LTD same address as ViiL (varde) and listed on the Channel Islands Stock Exchange.

 

So this is where MBN@ junk ends up.

 

Pumpytums

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I don't want this thread to be dragged off course about standard things dealt with elsewhere but would like it to be concentrated on the possibility of Debts being sold overseas.

 

However, the argument is that s196 says that sufficient service can be achieved by sending a registered letter. It doesn't say that ordinary post is not sufficient service. If the intention was to require registered post v ordinary post, the Act would say that.

 

ftp://ftp.royalmail.com/Downloads/public/ctf/rm/ILPSchemeApril2009RH.pdf

 

 

Special Delivery Letter

A Letter sent using the Special Delivery service as set out in section 40 of this Scheme. Any

reference in any legislation or legal document to “Registered Post“ or “the Registered Service“ shall

be taken to be a reference to Special Delivery as it is the same service in all material respects

 

Sorry to drag it off course but this is important.

 

 

Pumpytums

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Guest HeftyHippo
Ok Hefty back on track,

check out the following link

 

Channel Islands Stock Exchange - Listed Security Detail - VPRSSNRN - VP Resi Ltd Details

 

Details of Registration - Data Protection Commissioner - Ireland

 

this is VP vesi LTD same address as ViiL (varde) and listed on the Channel Islands Stock Exchange.

 

So this is where MBN@ junk ends up.

 

Pumpytums

 

well there's probably a right tangled international web effectively exporting money through many tax jurisdictions.

 

doesn't really make any difference though does it? As long as they abide by the CCA and other laws here, my interpretation of the above legislation is that they can pursue debts here. Thing is, they're outside our jurisdiction, so if it comes to harassing behaviour, refusal to correct inaccurate data with CRAs, it won't be easy to take action against them, so we're left with the likes of the Data Commissioner, OFT etc, who can't even regulate debt collectors in their own backyard.

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Ok Hefty back on track,

check out the following link

 

Channel Islands Stock Exchange - Listed Security Detail - VPRSSNRN - VP Resi Ltd Details

 

Details of Registration - Data Protection Commissioner - Ireland

 

this is VP vesi LTD same address as ViiL (varde) and listed on the Channel Islands Stock Exchange.

 

So this is where MBN@ junk ends up.

 

Pumpytums

 

I wonder where to next! this gets more complicated.

 

Has anyone come across VP Vesi before?

 

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i am not sure but i think under the ratification act in eu that has just been passed into uk law in the last two weeks touches on this ,but also they may/will need a uk consumers credit licence otherwise it may be subject to the money laundering act...

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http://www.consumeractiongroup.co.uk/forum/legal-issues/231293-help-defence-ws-required-24.html#post2714113

 

have a read through the thread it is a long one but well worth it to see what pointers you need for the asignments to be valid and for an overseas company to be able to prosecute vj nailed them so it is possible to tie this lot up in legal work ...good luck will keep my eye on this thread see if i can add anything

patrickq1

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  • 2 weeks later...
  • 11 months later...
  • 5 months later...

Hi

 

Did anyone ever get anywhere with this?

 

I have received a court claim today from Varde for 2 MBNA accounts I have!

 

Threads here...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?205720-Cupcakes-Vs-Mbna-You/page2

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?198121-cupcake68-Vs-A-amp-L

 

I am searching the forums looking for relevant info.

 

Also not sure if they are allowed to add the two together like this and not sure if the fact the POC's are incomplete puts me in a strong position or not

 

Any advice gratefully received.

 

Just had a baby and my already mushy mind is true mush right now!!

 

Cupcake

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  • 1 month later...

I have just filed my defence in court for Varde the failed to turn up or enter a jughment I have a stay on my CCJ at the moment waiting for them to come back with a reply...I sent them a s78 request and CPR request forms they have as yet been unable to provide any documents??? Lets see what they can come up with>>>>

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  • 1 year later...

All those searching for an answer to MBNA SELLING debts to Varde Investments, try not that the debt has been sold,but the

 

right of claim has been sold. MBNA parent company is the Bank of America.

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