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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).
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      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.

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flowerchild V MBNA PPI + Charges reclaim


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Hi Dotty & Flowerchild.

 

Remember DCA's never sleep.

 

I agree with Dotty on the DN it is better to wait.

 

There is a good possibility that they will get it wrong as usual and then you have a much better advantage at a later stage.

 

With all the DN's my family have had from MBNA not 1 of them is Enforceable.

 

I know the calls are a pain but to be honest after a while you will get to a stage where you will get used to the numbers and not answer, I am at the stage now where if I dont recognise the number I dont answer, if it is important they will leave a message.

 

All you need to remember is if these people had brains they would not be working for Debt agencys. :)

 

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MBNA went very very quiet on me when they bought my account from Bank of Scotland. I despise the company so I demanded to see evidence that I had agreed to the selling and or transfer of my details to another company. Apparentely they claimed it would have been within the Credit agreement, except I didn't sign one....they took forever to get hold of an application form.....I challenged it.......even challenged through the fos.......heard nothing since.

Might be worth you looking into that side of things.

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Mind you MBNA are in the call centre where I used to work literally a 2 min walk from me :D

Although I never worked for them they took the rooms that British Gas used to occupy who I did work for.

Edited by blackambermay
Clarification
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MBNA bought my account from A&L when it went to Santander, I remember them sending a letter saying so, just around the time the intere$t rate$ went thru the roof (what a coincidence! :rolleyes:)

 

I sent CCA request 2 weeks before Easter Monday, given there was the Easter break in between, how long should I wait before sending a reminder? Should I send one at all or just wait for one of their letters and reply saying they haven't produced the requested CCA?

 

Thanks again!

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Good news, after nearly 2 years of a complaint with the FSO we get our PPI back because of misselling! Furthermore on that I took MBNA to court last year because of credit card charges and they settled out of court. Of course they thought that even 12 Pounds charge was ok for them but I took them a second time to court for the 12 Pounds per charge and got EVERYTHING back from them.

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They have 12+2 working days to reply, did you send it recorded delivery, if so, have you checked the royal mail website for proof of signature?

 

I've got a 'secure' delivery pending from a company called DX -anyone familiar with it? They left a note yesterday afternoon, 5 mins before I got home, rang them up to reschedule but won't be able to be here till Tuesday, not sure whether it's from MBNA or RBS so I'd better wait...

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Good news, after nearly 2 years of a complaint with the FSO we get our PPI back because of misselling! Furthermore on that I took MBNA to court last year because of credit card charges and they settled out of court. Of course they thought that even 12 Pounds charge was ok for them but I took them a second time to court for the 12 Pounds per charge and got EVERYTHING back from them.

 

Are there any tips you can share regarding your PPI claim? How far back did you go on the monthly PPI payments?

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The PPI came with the credit card and I think it went back to 2005. PPI is very complex I think and it depends on the individual case.

If you let me know some details I might be able to suggest something although I am not a lawyer.

 

My card dates back to the 90s (A&L till the $hark$ bought the accounts last year), I think you had to take PPI back then, it's been such a long time I don't remember very much, have requested CCA and SAR. PPI has been charged throughout the life of the card, up to £45/mth at the latest count :evil: yet when I asked to make a claim due to unemployment MBNA gave me the run-around for months, then gave me the address of an insurer in Ireland who never reply to my letters. I've heard you can only go back 6 yrs but some people here say it's not necessarily the case. Although not always as high as £45/mth, you can imagine the amount of PPI charged over 15 or so years...

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Its getting difficult if you do not have the signed policy anymore as the company only keeps records of 6 years as far as I know. One possible way is to ask the provider when you made the claim if they have any records of the originals. Apart from that I do not think its going to work in your case as pretty much is not the original sells policy, that you don't seem to have anymore.

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PPI was, in some instances made to appear to be a condition of being given the credit card/loan, which makes it a mis-sold product, if that was what you were told at the time of the application.

 

The 6 year limit is not correct, as I understand. I am presently trying to get it back from Crap 1 from 2001.

 

Have a look in the PPI forum, that will give you some guidance.

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MBNA keep getting their call centre to ring and sending me letters but so far no CCA, I guess it's time to send the reminder letter, should it also be recorded?

 

If you can afford it then do EVERYTHING recorded with these jokers. If you're in court with this lot a year from now then all that is left by then is your paper-trail to rely on.

 

M

 

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If you can afford it then do EVERYTHING recorded with these jokers. If you're in court with this lot a year from now then all that is left by then is your paper-trail to rely on.

 

M

 

I don't deal with them over the phone, just in writing, but that hasn't stopped them from ringing on a daily basis. I recognize the number and don't answer the call, I googled the number the first time it came up and found it belongs to a call centre in India used by MBNA!

 

Earlier on today I just kept rejecting the calls on my mobile, they rang back a few more times but didn't get through to me!

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Know how you feel. MBNA were relentless with us. It was a relief when they finally sold the account on!

 

If you can afford it then the Truecall system will stop them in their tracks. I think it's about 60 or 70 quid but those that use it swear by it

 

M

 

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Flowerchild,

 

It is good advice to send everything recorded delivery.

 

It took them around 8 months to respond to me after sending a complaint in to them and they denied receiving the CCA request and copies of request and various other letters.

 

I have proof of signature for all the letters, however not responded to them yet!

 

Apart from accepting their unlawful rescission of the account.

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Received letter from the $hark$ this morning explaining why they haven't been able to respond to my CCA request, apparently it's got to do with the account being bought from another lender! Given that they've bought so many UK CC accounts, you'd think they'd have everything... they've never had a problem finding out how much the balance was and charging interest on it!!!

 

It's not even signed by anyone in particular and they're providing links to all sorts of debt organisations, including PayPlan, which I've noted is supported by the lenders themselves, including MBNA!

 

Should I reply saying that they still have to provide the docs in order to make the debt enforceable?

 

Thanks again!

 

Dear ***

Account: ***

We apologise for the delay in responding to your request made under Section 78 ofthe Consumer Credit Act 1974 ("the Act"). We will write to you regarding your request in due course.

We note that your account was acquired from another lender some time ago. As such, we need to obtain documentation from that lender; as soon as this is received we will forward it to you.

In the meantime, you should continue to make payments to your account. We believe that this is consistent with the legal position (as recently confirmed in the case of McGuffick vthe Royal Bank of Scotland pic) that, even in circumstances where a lender has not yet complied with a request under the Act, the lender can continue to demand that payments be made to the account, and any arrears will be reported to Credit Reference Agencies and the use of any card{s) may be withdrawn.

We acknowledge that some of our customers, even when they borrow responsibly, can fall into financial difficulty when circumstances are out of their control. We are committed to helping our customers get out of debt as quickly as their circumstances allow, and various repayment options can be discussed with our debt advisors on 08000280690.

The Consumer Credit Counselling Service (CCCS) provide a free on-line tool, the CCCS Debt Remedy, which can tailor advice depending on individual circumstances. Details of how to contact them, and other agencies are detailed below:

Consumer Credit Counselling Service

CCCS | Free debt help and debt advice from the UK's leading debt charity

Call Free: 0800 138 1111

Citizens Advice Bureau

www.nacab.org.uk

National Debt Line

National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000

Call Free: 0808 808 4000

Payplan

Free Debt Management Plans, Free IVA Debt Advice and Free Debt Help | Debt Advice | Payplan

Call Free: 0800 917 7823

Money Advice Scotland

bankruptcy advice debt consolidation iva at moneyadvicescotland.org

Call: 0141 572 0237

Yours sincerely

NBNIIEBL

MBNA Europe Bank Limited

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  • 3 weeks later...

My CCA request was met with a letter saying as they had obtained my account from another lender, it would take them some time to obtain it. As it's been over a month, I've sent them the 'account in dispute' letter from the templates library.

 

My SAR request was met with a timely reply consisting of endless computer listings including some about the 'collection process', where they started by calling my work number (where I haven't worked since 2003!) but the most amusing (and amazing!) bit is the cover letter they sent with "my T&Cs" (such as they are), where they remind me of the 'fantastic features of my account' (I've never even registered for the online facility).

 

There's no CCA signed by me (not even an application form) and the enclosed photocopy has my current address, where I've only lived since 2007 (card was taken out in mid 90s!). There's no mention of PPI that I can see... The whole lot, including DN, can be seen here: MBNA TandCs pictures by flowepower2010 - Photobucket

 

:?: Surely they can't claim the debt is enforceable when they can't even produce a single bit of paper with my signature. Would it be a good idea to make a PPI refund claim or just carry on with the 'account in dispute' position due to lack of any CCA?

 

Thanks again!

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