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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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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      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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Freds/Carter claimform - Monument Card 'debt' ***Claim Struck Out****


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OK USAF

 

How are you doing on the CPR request letter?

 

Right so you received the Court bundle on Friday 6 August 2010 and you filed AOS that very day, is that correct?

 

 

I received the court papers on Friday. I am unsure of what you would call a bundle. It was four pages of a claim form C1CPC. The front page is just that. Having spent the weekend, it is appears quite vague compared to the claims others have had. I am worried that this is designed to trip me up. There is no mention of a default notice or anything other than what they have put on the front. The claim is for a credit card, but they do not mention that. Does that have any bearing on the defence or claim?

 

I have spend hours going through the CPR stuff, strange that the upgrade to the forum also removes on the Chrome browser the additional pages tabs (looking at the CPR sticky).

 

Here's my CPR letter, can someone look at it and tell me if it is OK, or if it needs items adding? Also do I just send it to Bryan Carter & Co, or to the USA address of Arrow (by the way, what is the Law on this with them being in the USA, are they now outside of the UK courts and regulators jurisdiction?

 

 

Dear Sir,

 

Re: Arrow Global LLC v Mrs XXXXXXX Case No:XXXXXXXX

 

CPR 31.14 Request

 

On 6th August 2010 I received the Claim Form in this case issued by you out of the Northampton County Court.

 

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim.

 

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of each of the following documents mentioned in your Particulars of Claim:

 

1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

 

2 agreement to pay monthly instalments

 

Your client claims that I agreed to pay monthly instalments under the account number XXXXXXXXXX but has failed to do so. Please provide the written agreement. Your client should ensure compliance with its CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.

 

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

 

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

 

If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.

 

If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.

 

Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.

 

I do hope this will not be necessary and look forward to hearing from you.

 

Yours faithfully

 

 

 

I have served them with a CCA and SAR, when should I cover this? Also do they not have to produce an assignment as I have Carters, Arrow, Monument and Fredrickson all chasing me?

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Just had a quick look.

 

Ok, have you EVER had an agreement with Arrow?

 

If the agreement was with another Company maybe Monument for instance then I would submit a very simple defence basically denying you have NOT EVER had an agreement with Arrow Global therefore you deny you owe them £21xxxx or any sum at all.

 

Carter needs to learn how to write a proper POC if he wants to win any cases for his clients ........

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I have never had an agreement with Arrow.

 

Couple of questions;

 

One of the first pieces of corrispondence I sent to Arrow was this (extracts of the first few lines):

 

14th October 2007

 

Arrow LLC

24 George Square

Glasgow

G2 1EG

Dear Sirs

Ref: Monument Credit Card XXXXXXXXXXXXXXX

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number :XXXXXXXXX

 

I did not get a reply and I sent them the usual default notices for failure to comply with a CCA. This included putting them on notice that the account was already in dispute due to charges of £50.00 per month, plus £25.00 per month for being over any alleged limit.

 

secondly, I see from other threads that a credit card defence has been submitted by some, would that apply here?

 

Furthermore, the Arrears Total outlined cannot be accurate, as the Balance on the Account was at least partly comprised of Unlawful Charges plus additional Charges and interest added unlawfully whilst the Account was in Dispute. Therefore, the Arrears claimed cannot be accurate, as they are themselves calculated using a Total that was itself inaccurate.

 

Finally, an invalid Default Notice cannot be remedied by simply issuing a new Default Notice. The Claimant may not serve a second effective default notice in prescribed form post-termination of the agreement. Any such second default notice will necessarily state a date by when I would be required to comply after which in default the agreement would terminate. The second default notice would therefore contain the fiction that the agreement endured when that cannot be the case, as it was terminated on XX/XX/XX. Terminating an Agreement on the back of a defective Default Notice, simply confirms the undeniable truth that Termination of the agreement by the Claimant was carried out in circumstances which then prohibited them from enjoying the benefits of Section 87, namely the opportunity to seek early Payment of a sum that was, prior to Termination, only payable in the future.

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Well, if you have never signed any agreement with Arrow then I would submit the defence as above.

 

Remember it is their job to write the POC and prove it. It is not your job to work it all out for them and disprove it.

 

Have a search on the forum for Bryan Carter and you will get an idea of how this outfit works.

 

Submit a simple defence and that also makes it more difficult for them in the future as well. (And keep track of your costs & time spent cos you can claim £9.25/hr for it - and yes that included time on here)

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Ok, look at it this way.

 

If you did not have Internet access or the money for a solicitor - what would your reaction be. It wouldn't be Oh send CPR letters - it would be I don't have an account with Arrow in the USA.

 

There are other points re getting a defence in re. costs and them being able to claim again.

 

With a simple deny everything defence they have to PROVE that what they are saying is true (which it isn't) so they're stuffed

 

JMHO

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Arrow haven't claimed against me yet, but Fredrickson sent me a letter before action, and I received a Notice of assignment claiming to be from Nationwide, well it's on dodgy Nationwide headed paper, trouble is it's been signed by Arrow Global. I've cca'd them and they have sent me a signed agreement and statementsn no DN though but I do have the original from Nationwide.

 

I'm with you every step of the way USAF!!!

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I sent the CPR notice to them on the 9th, but have not had a response. Should I have by now?

 

My letter was as follows:

 

 

Dear Sir,

 

Re: Arrow Global LLC v Mrs XXXXXXX Case No:XXXXXXXX

 

CPR 31.14 Request

 

On 6th August 2010 I received the Claim Form in this case issued by you out of the Northampton county court.

 

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim.

 

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of each of the following documents mentioned in your Particulars of Claim:

 

1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

 

2 agreement to pay monthly instalments

 

Your client claims that I agreed to pay monthly instalments under the account number XXXXXXXXXX but has failed to do so. Please provide the written agreement. Your client should ensure compliance with its CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.

 

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

 

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

 

If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.

 

If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.

 

Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.

 

I do hope this will not be necessary and look forward to hearing from you.

 

Yours faithfully

 

Now I say I have not had a reply, that is not quite right. They have sent me a letter telling me that it is not too late, I can stop proceedings if I make a payment plan with them, they will apply to the court to have it "endorsed" by the judge and I can pay what I owe over a period of six months.

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Hi USAF, what was the date on the claim form, that way you can work out when you need to submitt your defence by. You cannot submitt a defence unless they provide you with the domuments you have requested. I am in a similar situation with a claim against me. I too have not received any documents after my CPR request and my last date to file my defence is tomorrow so I am going to ring their solicitors today to see if they will agree an extention.

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Ok, in your letter you have said that unless you hear from them you will make an application to Court.

 

So, write to them reminding them of your letter and giving them another 7 days. (enclose a copy of the original letter as well)

 

TBH, I would submit a deny everything defence and let them sort their act out.

 

If you submit a deny everything defence and they then say ' oh well this is the account and here are the details, you will then be given the opportunity of submitting a proper defence/answer to that..

 

VJ posted a good deny everything defence the other day - I'll hunt it out

 

as usual, jmho

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Ah, didn't see the tail end of your post.

 

As they have replied, but ignored your request I would submit the defence.

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I sent the CPR notice to them on the 9th, but have not had a response. Should I have by now?

 

My experience with Brianf@art is that they are pretty slow in replying. I had a claim with these vague POC that they are famous for and asked them to update it or I will go for a strike out. They took there time to respond but evetually send a letter that they are no longer instructed by their client and have returned the account. They didn't inform the court though, it seems to be standard practise for them. So I went ahead with the struck out application and filed a defence as well.

 

My point is that they take their time and that can take you past a deadline!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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Now I say I have not had a reply, that is not quite right. They have sent me a letter telling me that it is not too late, I can stop proceedings if I make a payment plan with them, they will apply to the court to have it "endorsed" by the judge and I can pay what I owe over a period of six months.

 

I received a similar letter, I think it is a standard letter they are sending out and not a reply.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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He really is a disgrace to his profession, you cannot complain enough about this man, so ensure you do, to all that you can think of.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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BC actually does little wrong that cannot be explained by a "we have hundreds of these cases at any one time and we a re bound to make the odd mistake here and there" and yes that is the excuse ....

 

If you get a defence in, once he crumbles you will be able to claim for wasted costs. £200-£300 if it doesn't go too far up to £1k if it goes to the line.

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He really is a disgrace to his profession, you cannot complain enough about this man, so ensure you do, to all that you can think of.

 

I phoned the SRA to complain and told them their name and asked him to hang on while I get ther details.

 

His response was simply:

 

"No need for that, I know that firm!"

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Something like this? ;-)

 

1. I, [insert full name & address], am the defendant in this action and make the following statement as a defence to the claim made by [insert Claimant’s name]

 

2. Except where otherwise mentioned in this defence, I neither admit nor deny any allegation made in the Claimant’s Particulars of Claim and put the Claimant to strict proof thereof.

 

3. The Defendant notes that the Claimants' claim is not fully particularised and offers no cause for action and is thus eligible for a strike out under CPR 3.4.2 (a).

 

4. The Claimant as failed to disclose appropriate documentation to support the Particulars of Claim, requested under CPR 31.14 and CPR 18, which leaves the Defendant at a disadvantage and unable to plead effectively or at all. The Defendant is embarrassed in pleading to the Claim as it stands.

 

5. The Defendant denies that they are indebted to the Claimant for the sum of [insert claim sum] and puts the Claimant to strict proof of this sum.

 

6. As the Claimant has not provided proof of the debt or the sums claimed the Defendant denies the Claimants claim for interest pursuant to s.69 of the County Court Act 1984.

 

AND the Defendant;

 

7. Seeks an order that the Claimant’s action is struck out under CPR 3.4.2 (a), or otherwise dismissed, on the grounds that any claim cannot succeed and that the Claimant do pay the Defendant’s costs incurred in defending this action.

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Something like this? ;-)

 

:D Thanks VJ

 

So, in this particular case, that can be modified a little. In between 3 and 4 you can write that you deny ever having applied for or operated an account with Arrow Global.

 

5 change the and puts the Claimant to or any sum at all.

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Hi USAF, what was the date on the claim form, that way you can work out when you need to submitt your defence by. You cannot submitt a defence unless they provide you with the domuments you have requested. I am in a similar situation with a claim against me. I too have not received any documents after my CPR request and my last date to file my defence is tomorrow so I am going to ring their solicitors today to see if they will agree an extention.

 

The date on the claim form is the 26th July, I received it on 6th August though, that is when I did the AOS. What is the next step I should take, I still have not had a reply from them

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USAF

 

I would say you have had an excellent draft defence from VJ. Just make the edits suggested (although I would also delete the reference to CPR 18 in paragraph 4), file electronically with MCOL and wait to see what happens.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I think it was cupcakes thread.

 

M

 

Hi M

 

Forgot to say Hi & Thanks for that - I missed this post as I pm'd VJ :oops:

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USAF

 

I would say you have had an excellent draft defence from VJ. Just make the edits suggested (although I would also delete the reference to CPR 18 in paragraph 4), file electronically with MCOL and wait to see what happens.

 

Agree with Docman

I would also delete the'unable to plead' & 'embarrassed' bit as you are actually denying the claim rather than saying you are unable to 'make your mind up'

 

At the end of the day the POC says an account with Arrow - without any further details in the POC (which is disgraceful and if it ever goes to trial (it won't) the DJ would shred them for it) anyway you are saying there is no case to answer.

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

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