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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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Court claim from Link Financial. Please help.


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Hi all.

I've just received a court claim form from Link Financial. This lot hold 3 accounts in my name, all with MBNA.

On the advice of members of this forum I sent requests for credit agreements for all 3 accounts a couple of years ago & received copies of application forms for 2 & nothing for the other so I stopped paying them.

I get regular updates from them regarding my "current balance" & I began to ignore them completely.

On receiving the claim form I checked some old mail which I was keeping for recycling & found 3 unopened letters from Link & to my horror they were all headed Letter Before Action so now I'm expecting 2 more court claim forms.

I've had a CCJ from a previous debt for the last 5 1/2 years which has held me back & was so much looking forward to having it removed from my file so that I could do the things I've been wanting to do for so long & now to be faced with the prospect of being in limbo for another 6 years is just so upsetting. I'm not normally emotional but I feel like bursting into tears right now.

I can't think straight at the moment & can't see me getting much sleep in the next few days, I'm a real mess. I'm sorry for going on a bit but I feel like my world is coming apart.

Please help if you can.

Thanks.

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We’ll do all the thinking for you. Do as rebel says, and get a thread going on this first claim.

 

Pull together all the info you can – type of account, who with, when taken out, amount outstanding, when and whether defaulted, etc. Your first step will be a CPR request.

 

We’ll also need to know what it says on the claim form, exactly.

 

Make sure you remove anything personal or which identifies the account or claim from the documents you scan.

 

Personally I would suggest the Legal forum rather than MBNA – I really believe you’ll get more help – but put a thread in MBNA pointing here.

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Thanks loads for taking the time to help out.

I've posted a link to this thread in the MBNA section as suggested.

I'll just deal with the account which has gone to court for now.

My dealings with Link go way back & my record keeping could be better but here goes...

As I mentioned, I have a total of 3 accounts with Link & sent CCA requests for all a couple of years ago & got copies of application forms for the other accounts but nothing for this one.

I believe it was for a credit card but I'm not 100% sure (sorry).

I did receive a Default Notice though

http://i533.photobucket.com/albums/ee338/The_Janitor69/Link4.jpg

 

I've scanned the front of the court claim form, removing the details I thought needed removing

http://i533.photobucket.com/albums/ee338/The_Janitor69/Image0001.jpg

 

Apologies if I've missed something. I'm all over the place at the moment.

 

Thanks again.

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Gotta fly out, but first thoughts:

 

I’d noticed the PoC did not state that a DN had been issued, only that a default had been registered. I see why now.

 

That DN/NoA combined looks distinctly odd. I don’t see how it can be issued by Link who were assigned the account AND by MBNA who remain a creditor? That is absolute rubbish. Unless they are saying the assignment is NOT absolute, and they have only bought the BENEFITS of the account – which it appears to say – in which case I don’t think that Link can take you to court without MBNA joining the action. If MBNA is a creditor, then MBNA must take action; if Link are claiming not to be the creditor, they cannot enjoy the benefits of S87.

 

Also, as a DN it fails because it claims the WHOLE balance, not arrears. It is almost certainly not in the correct format, and does not give sufficient time for remedy.

 

Under CPR – and as they are mentioned in the PoC – you must include a demand to see the Deed of Assignment, as well as the usual bits. This true nature of this assignment could be the key to your defence.

 

Look forward to hearing what the heavy artillery think!

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I do have letters from Link in reply to my CCA requests in which they state that they "Purchased the debt from MBNA Europe Bank LTD" so they can't be acting on behalf of MBNA, not that I know much about these things.

Cheers for the input. I too look forward to other comments.

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Thank you Donkey for this link on this thread which im subbing to and will fully read once got little one up and breakfasted and sorted, i have my own suspicions too, but of course i am willing to learn from others as ive been out of the learning loop from cag for a while i want to be sure of what im doing but hey thanks for looking in for me hope to catch up later have afun sunday cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Janitor,

From reading tons on this site, it seems that this claim is a crock of crap.

1. MBNA should be joint claimant with Link as they would still seem to be the creditor.

2. default notice deficient inasmuch as claiming full balance, not arrears.

3. The DN does not allow sufficient time to remedy the default.

4. S69 arrears not allowed to be claimed on a CCA debt.

I am sure that others will soon come in with their input, but you need to acknowledge the claim and say that you intend defending, else they will get judgement by default.

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I did send a CCA request for this account along with the other 2 Link are pressing me for but they only sent what looked like copies of application forms for the other 2 accounts & nothing for this one.

They did send the usual confirmation that they were contacting MBNA for the info but that was a couple of years ago.

Should I ask them again?

I'll take a look at acknowledging the claim tonight. I think I can do it online.

Is there anything else I need to know when opting to defend or is that all I do for now?

Thanks again for helping out.

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application forms when accepted can be a regulated agreement for the purposes of the CCA 1974. So, try not to get hung on that point

 

Were the documents presented to you easily legible?

 

if there were words that simply could not be read, then please let us know

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The Janitor,

 

It is best if you deal with one account (the one that requires urgent attention). This will cause confusion.

 

I agree.

To repeat, I've not received a CCA for this account. I have only the Default Notice which I posted earlier in this thread.

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Cheers for that.

I'm a little pushed for time as I'm off to work so I'll read those when I get home. I just wanted to know if I should get something posted before leaving for work.

I've responded to the claim online, stating my intention to defend.

It's getting very real now.

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It would be best for you to have an outline understanding of the legal issues and processes, so definitely get reading on those. I think pt2537 believes CPR18 to be the most powerful of the CPR tools (used correctly), so have a good look at that.

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Thanks for the links DonkeyB.

It appears to me that CPR 18 is a request for information only whereas CPR 31.14 is a request for documents the claimant has mentioned & therefore will be relying on in court.

I think in my case the CPR 31.14 will be required but then I am relying on other members to point me in the right direction if possible.

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  • 3 weeks later...

Finally a reply from Link :

 

"All the relevant documents have been requested from the original finance provider, unfortunately, we have no control over the length of time taken to provide us with this information, we have therefore extended the time allowed for you to reply to the summons issued, until you are in possession of the requested information."

 

Now, as I already sent in my intention to defend does this mean I have more time in which to sort out my defence?

According to the claim form I'm to send in my defence no later than 28 days from the date of service which is deemed to be 5 days after the issue date which was 25th oct.

I dont suppose I can begin to construct a defence without these documents can I?

I'm more than a little confused.

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Hi,

Link should have had all of the required documents before starting legal proceedings.

Would it not be in order for The Janitor to apply to have the claim struck out as Link have had their time to supply info further to the CPR 31.14 request?

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As pt2537 argues, strike outs are often dangerous territory, because if you fail, you bear their costs. Judges seem to be very generous to claimants against LiPs. Perhaps better to give them a bit more rope. If they fail after an extra 28 days, then their goose is cooked.

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