Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Urgent!! Unenforceable Agreement Court Action


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5236 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

UNENFORCECABLE CREDIT AGREEMENT - COURT ACTION

Hi there - I really need your help urgently to end an ongoing dispute between myself and Link Financial which began in 2008 when I requested a copy of the credit agreement for a student Barclaycard, opened 2002, sold to Link by Barclay card in 2004.

I've recently been issued with a claim at Northampton County court from Link Financial - the twist is I took them to court a few months ago and lost (unprepared skeleton argument, never been to court, unorganized in conveying points).

Its quite a long story so I'll be as brief as I can:

 

1) Opened student Barclaycard Account in 2002 (credit limit £300).

Default registered by original creditor September 2004 for £748 (was never informed by Barclaycard that a default was registered – even under a SAR and numerous letters they have not provided me with the original default notice).

 

2) Debt sold to Link Financial 16th December 2004 - another identical default registered by Link upon purchase.

BOTH DEFAULTS remained on my credit report for 4 years unnoticed until I requested a copy o my credit report after visiting the CAG.

 

3) Requested Credit agreement, terms and conditions, statements, default notice, deed of assignment and notification letter of the sale of the debt from BOTH the original creditor (BarclayCard) & Link Financial (DCA).

Also sent SAR's & S.10 notices to both parties – as well has vigorously pursuing Credit Reference agencies on a weekly basis. (Equifax, Experian & call Credit) to suppress the defaults on my credit report until this info had been provided.

Call Credit & Equifax agreed to suppress the data, Lee Hancock from Experian continued to communicate pompous waffle for months without suppressing the info!

 

 

4) Original creditor removed their default entries immediately. DCA refused remove their entries & sent me a copy of their definition of a credit agreement (PLEASE SEE ATTACHED)

 

credit agreement3.jpg

 

5) I begin a claim against Link Financial seeking an enforcement order under section S.10, S14.1 and S14.3 of the Data Protection Act 1998 – for the removal of all incorrect data and cease processing under S.10.

 

6) Lost case in court as I was VERY nervous, I had NEVER been in a court before and as a result I was ill prepared when making points and backing it up with actual legislation -

Although I did make some extremely valid points & I believe the judge did try to help by offering adjournment to gather my critical points and allow Link Financial to actual provide a letter of default and a credit agreement, and all statement of accounts with attached terms and conditions at the time the account was opened.

 

 

Link Financial could not provide the terms and conditions attached the application form at the time of opening, nor could they provide notice of default letter! The judge was extremely hard on them for this fact and they could not defend this point.

 

 

7) DECLINED the adjournment & loss - my case was dismissed.

 

 

8) 4 weeks later I received a copy of the so called terms and conditions from Link Financial - basically unattached and could relate to any credit agreement.

 

 

9) 3 months later I receive a court claim on the 23rd December from Link Financial for the outstanding amount plus interest and court fees!

 

 

This is the story in summary - my problem is can I win this time??? - What is my defence to their claim (especially considering I lost with my own claim).

 

This debt is nearly at its end, its been on my credit report for 5+ years and is due for deletion sept this year!!!

 

 

MY QUESTIONS ARE:

 

1) what defence can I use on my defence form - How can I word it??

I've been looking at the thread Consumer Credit Agreements - a guide to enforceability and I'm sure the credit agreement is unenforceable HOWEVER could the courts still enforce it???

 

 

I’m thinking of using Section 127(3) of the Consumer credit Act.

This section says that an agreement that is not properly executed can only be enforced if it consists of a single document:

a) signed by the debtor, and

b) has the prescribed terms

 

2) Is there any other legislation or angles I can use to defend myself with??

 

 

3) What if any CPR requests can I send out before the trial? – Could I ask for the TRUE copy of the credit agreement and letter of default??

 

4) Is there any way I can stall proceedings so the debt will actually be too old when it comes to court?? Or use the length of time already registered as a default as my defence??

 

I'm feeling ok about the whole thing and believe I will be more organized and assertive in court this time - BUT what if they get judgment I could now have a CCJ for another 6 years after already having a default it on my report for 5 1/2 years!!!

 

There have also been threats of a charging order from these people as I am a homeowner.

 

What can I do?? I need some guidance PLEASE HELP! Any advice, legislation, Defence wording ANYTHING would be very very much appreciated.

Edited by lornarobins
delete personal info in attachments
Link to post
Share on other sites

Holy toly, you have big bolls and well done for taking a stance against these Cretins who think that they can bully you into paying for a possibly unenforceable debt!

 

I have recently had all action ceased against a £6800 loan due to the company faffing the agreement. My post is here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/230453-first-response-finance-enforceable.html#post2552835

 

Anyway to hopefully help you, you should maybe compare my agreement to yours as much as you can and I can send you a letter with the points raised which will hopefully help you (they are made against actual legislative points and have managed to beat this so called companies Legal Team as well).

 

I apologise that I cannot put this file on here at the moment because of various issues it may cause, but I am happy to Private Message it to you.

 

Let me know if that is OK and good luck with your case. IF you need help with some points I will try if you can email me your agreement (take out personal info though).

 

I am not a lawyer nor offer legal advice, I just offer my opinion based on experiences that I have had and it is up to you if you take any of my advice. (sorry but need to keep myself right here).

 

Scotty

Link to post
Share on other sites

Looks like many DCA's are chasing student credit card accounts now!

 

Hopefully, the following thread may be of assistance to you:

http://www.consumeractiongroup.co.uk/forum/legal-issues/241827-legal-action-how-start.html

 

Barclays should have issued you with a default notice under s87 CCA.

 

Did Barclays terminated the agreement?

Link to post
Share on other sites

I can probably help with this as I have had a Barclaycard student application form recently claimed for... the case was discontinued by the "new owner" two days ago. So I some idea of preparing a defence to these claims.

 

3 Q's to kick off:

 

1 - When did you last make a payment?

 

2 - What does it say on the POC?

 

3 - Have you got a NoA?

Link to post
Share on other sites

Hi there – Thanks so much guys for the helpful and supportive response - I’ve been reading the threads suggested like mad, sieving for information – found some really helpful info.

Scotty you’re a star - £6800 – that a real win, I’m inspired!

Yes please do PM me with your letter with points raised, this will help me with my direction.

 

In response to Angry cats question:

I was never sent a default notice or any other notices or terminations by either Barclaycard or Link Financial. These documents were requested by myself under subject access requests to both parties – in fact each and every time I wrote to Link under the CCA and various other reminder letters, court action letters etc (at least 15+).

In response to vjohn82 questions:

1) Last made payment on: 19th December 2003!

(However Link & Barclaycard can only provide me with statements from Jan 2003 – sept 2004.

The account was opened in 2002 and the first statement shows a balance bought forward #367!! I’ve also noticed that the account number is not the same on all the statements – what can this mean)?

 

2) POC states:

The Claimant claims the whole of the outstanding balance due and payable under an agreement and/or associated agreements made with the defendant in writing and dated 07/05/2002 and assigned to the claimant.

The agreements and/or associated agreements are regulated by the Consumer Credit Act 1974. The Defendant has failed to make payment as required by the agreement and/or associated agreements and to comply with a default notice or notices served by the Claimant and/or Assinor.

And the claimant claims:

1) #840.13

2) Interest pursuant to section 69 County Court Act (1984) at a rate of 8.00% per annum from 16/12/04 to 18/12/09 of #336.60 and thereafter at a daily rate of #0.180 to date of judgment or sooner payment.

3) What is NoA???

Any help that you can give me would again be really appreciated vjohn82 – I need to be fully prepared for everything they throw at me!

I did bring the fact that I had never received any default notices from Link or the original creditor to the judges attention at the previous court hearing. Their defence was so pathetic that the judge became angry and they lost their creditability for awhile – They had bought along a screen print out of their database simply showing my name and the date the letter was supposedly sent, to make matters worse they also bought along a witness who’s only purpose was to verify that the document had been printed by herself that morning. It was really quite funny.

I definitely feel that I lost the overall case because I was unprepared & did not have a methodical a legislative based argument. – This time I have to prove them wrong – I was soooooo disappointed – but I guess I now have another chance to win what has to be the final battle in this saga.

Having read Legal Action: how to start off. IMPORTANT IF YOURE BEING SUED - there are some really excellent tips and points for thought in this thread and I will use this as some guidance.

 

My defence is due in on Monday so any help would be very much appreciated – I have found a defence on site that is similar to my situation and I will work on this tonight and post up later or first thing tomorrow.

 

As Link Have failed to reply to my CPR request, do you think I should send another CPR letter as a second reminder – or see if the judge orders them to provide the info as will requested in my defence?? Another problem is I did not send it recorded delivery – very stupid I know! Should I send again??

 

I’d also like to ask is it possible for DCA’s to get a CCJ at this late stage – taking into consideration I’ve had a default on my account for 5+ years and which is due for removal in Sept 2010??

This would mean I would have another 6 years with this on my credit report – is this right???

Link to post
Share on other sites

Here is the defence that I believe I could/will use - do you guys think this is sufficient at this stage??

Defence

1. Except where otherwise mentioned in this defence, I neither admit nor deny any allegation made in the claimants Particulars of Claim and put the claimant to strict proof thereof.

 

2. The Defendant is embarrassed in pleading to the Particulars of Claim as it stands at present, inter alia: -

 

3. The claimants’ particulars of claims disclose no legal cause of action and they are embarrassing to the defendant as the claimant's statement of case is insufficiently particularised and does not comply or even attempt to comply with CPR part 16. In this regard I wish to draw the courts attention to the following matters;

 

The Particulars of Claim are vague and insufficient and do not disclose an adequate statement of facts relating to or proceeding the alleged cause of action. No particulars are offered in relation to the nature of the written agreement referred to, the method the claimant calculated any outstanding sums due, or any default notices issued or any other matters necessary to substantiate the claimant’s claim.

 

4. The defendant requires sight of the deed of assignment of the alleged debt. In addition the defendant requires proof of service of the Notice of Assignment in accordance with s196 of the Law of Property Act 1925 which is required to give the claimant a legitimate right of action in their own name since it appears these are assigned debts. The reason the defendant requests this information is inter alia to clarify the dates are correctly stated on all documents , the defendant notes that if there are errors in the assignment it may be rendered in effectual in law per W F Harrison and Co Ltd v Burke and another - 1956 2 All ER 169

5. Consequently, I deny all allegations on the particulars of claim and do not know what case I have to answer

 

6. Further to the case, on 24/12/2009 I requested the disclosure of information pursuant to the Civil Procedure Rules, which is vital to this case from the claimant. The information requested amounted to copies of the Credit Agreements referred to in the particulars of claim and any default or termination notices, a transcript of all transactions, including charges, fees, interest, alleged repayments by myself and payments made by the original creditor. Also any other documents the Claimant seeks to rely on, including any default notices or termination notice, and a copy of the Notice of Assignment required to give the claimant a legitimate right of action.

 

7. Since the Claimant has failed to disclose the requested information it is submitted that I do not hold sufficient information to compile a full defence to the claimant’s allegations at this stage.

 

8. It is my opinion that the claimant is trying to frustrate matters in refusing to disclose the documents requested. The claimant is ignoring the overriding objective. It is submitted that the claimant taking this course of action places me at a clear disadvantage and there is no apparent reason why the claimant would seek to withhold this documentation from me.

 

9. The courts attention is drawn to the fact that the without disclosure of the requested documentation pursuant to the Rules I have not yet had the opportunity to asses if the documentation the claimant claims to be relying upon to bring this action even contains the prescribed terms required in Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) which was amended by Consumer Credit (Agreements) (Amendment) Regulations 2004 (SI2004/1482). The prescribed terms referred to are contained in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553).

 

10. The courts attention is drawn to the fact that where an agreement does not have the prescribed terms as stated in point 8 it is not compliant with section 60(1) Consumer Credit Act 1974 and therefore not enforceable by s127 (3). The courts attention is also drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the consumer credit act 1974 and the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) and Consumer Credit (Agreements) (Amendment) Regulations 2004 (SI2004/1482) the agreement cannot be enforced

 

11. Notwithstanding points 8 and 9, both debtor and creditor must sign any such agreements in the prescribed manner. If such a document is not signed by the debtor the document cannot be enforced by way of section 127(3) Consumer Credit Act 1974

 

12. The claimant is therefore put to strict proof that such a compliant document exists

 

13. It is denied that any Default Notice in the prescribed format was ever received and the Defendant puts the Claimant to strict proof that said document in the prescribed format was delivered to the defendant. I note that without service of a default notice under s87 (1) Consumer Credit Act 1974 the claimant would not have a right to demand repayment of any sums under an agreement or to terminate an agreement

 

14. Notwithstanding point 12, I put the claimant to strict proof that any default notice sent to me was valid. I note that to be valid, a default notice needs to be accurate in terms of both the scope and nature of breach and include an accurate figure required to remedy any such breach. The prescribed format for such document is laid down in Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561) and Amendment regulations the Consumer Credit (Enforcement, Default and Termination Notices) (Amendment) Regulations 2004 (SI 2004/3237)

15. Failure of a default notice to be accurate not only invalidates the default notice (Woodchester Lease Management Services Ltd v Swain and Co - [2001] GCCR 2255) but is a unlawful rescission of contract which would not only prevent the court enforcing any alleged debt, but would also give rise to a potential counterclaim for damages where damage occurs to my credit rating (Kpohraror v Woolwich Building Society - [1996] 4 All ER 119)

16. Without Disclosure of the relevant requested documentation I am unable to asses if I am indeed liable to the claimant, nor am I able to asses if the alleged agreement is properly executed, contain the required prescribed terms, or correct figures to make such an agreement enforceable by virtue of s127 Consumer Credit Act 1974[/font]

17. Regarding that which is denied, the claimant seeks to claim statutory interest pursuant to section 69 of the County Courts Act 1984 at the rate of 8% per annum. The defendant notes that the claimant is not entitled to do so and attention is drawn to The County Courts Interest on Judgment Debts Order 1991 Section 2 (3)(a) which sets out that this is the case as this claim is in relation to a debt regulated by the Consumer Credit Act 1974

 

18. In view of the matters pleaded above, I respectfully request that the court gives consideration to whether the claimant’s statement of case should be struck out as disclosing no reasonable grounds for bringing the claim, and/or that it fails to comply with CPR Part 16.

 

19. Alternatively, I respectfully request the court orders full disclosure of the documentation requested in point 5. I will then be in a position to file a fully particularised defence and respectfully request the courts permission to amend my defence accordingly.

Edited by lornarobins
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...