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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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      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.

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Help to appeal CCJ installment amount


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Thanks avocados, I'll have a look more closely in the morning.

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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OK avocados, had a night's sleep now, so more awake!

First, don't PANIC. You have time to defend this case properly BUT you must also find the virtue of patience. DCAs bombard you with threats before proceedings but once they have issued the claim, they seem to take their own time to send anything out unless it is to their advantage. The courts are also overworked and understaffed, so don't assume you will get any immediate responses.

Second, you need to acknowledge receipt of the claim form. As this is an online claim, you can acknowledge online. The instructions are in the pack you received. Once you acknowledge, there is a confirmation on the website. Print this off and keep safe.

Third, write to HCs for copies of the documents. This is known as a CPR 31.14 request. Get this off as soon as you can by recorded delivery (on Monday if possible). There are a number of threads with templates.

Give HCs 14 days to delivery. I doubt that they will so send a short reminder on day 15 and give them another 7 days. Again send by recorded delivery. Each time you post a letter, get a receipt from the Post Office and keep the receipt safe.

Fourth, you will have to file a defence. You have 28 days to do so after you have received the claim form, so you have plenty of time. Just enough to allow HCs to respond with the documents if they do have them. In the likely event HCs do not supply the documents (they probably won't respond at all), you can file a defence online. You have up to 8000 characters, so no problem if you file a short defence or what is often called on CAG an 'Embarrassed' defence, although what you have to be embarrassed about I do not know. If the other side have not responded properly within the rules, you can lodge a very good and short defence. But we will leave all that until the end of the month.

Finally, one tip on housekeeping. Get yourself a large (A4) folder or ring binder and start filing every piece of paper about the case, starting with the N1 claim form and then the acknowledgement of service, your CPR 31.14 copy letter etc. Just file one on top of the other in date order, earliest on the bottom.

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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Thankyou for your time and such a lengthy reply

 

 

First, don't PANIC. You have time to defend this case properly BUT you must also find the virtue of patience. DCAs bombard you with threats before proceedings but once they have issued the claim, they seem to take their own time to send anything out unless it is to their advantage. The courts are also overworked and understaffed, so don't assume you will get any immediate responses.

 

Will try not to panic, I was expecting someone to take me to court eventually but I have not prepared or done any research on what I should do. So all your help is greatfully received and much needed.

 

Second, you need to acknowledge receipt of the claim form. As this is an online claim, you can acknowledge online. The instructions are in the pack you received. Once you acknowledge, there is a confirmation on the website. Print this off and keep safe.

 

Ok done this afternoon thanks

 

Third, write to HCs for copies of the documents. This is known as a CPR 31.14 request. Get this off as soon as you can by recorded delivery (on Monday if possible). There are a number of threads with templates.

 

I have now printed a letter off ready to send recorded on Monday

 

 

Give HCs 14 days to delivery. I doubt that they will so send a short reminder on day 15 and give them another 7 days. Again send by recorded delivery. Each time you post a letter, get a receipt from the Post Office and keep the receipt safe.

 

Fourth, you will have to file a defence. You have 28 days to do so after you have received the claim form, so you have plenty of time. Just enough to allow HCs to respond with the documents if they do have them. In the likely event HCs do not supply the documents (they probably won't respond at all), you can file a defence online. You have up to 8000 characters, so no problem if you file a short defence or what is often called on CAG an 'Embarrassed' defence, although what you have to be embarrassed about I do not know. If the other side have not responded properly within the rules, you can lodge a very good and short defence. But we will leave all that until the end of the month.

 

I have a bit of a problem with these timescales. I am not in the country for 2 weeks from June 18th til I return on July 3rd.

 

Is there anything I can do about this?

 

Finally, one tip on housekeeping. Get yourself a large (A4) folder or ring binder and start filing every piece of paper about the case, starting with the N1 claim form and then the acknowledgement of service, your CPR 31.14 copy letter etc. Just file one on top of the other in date order, earliest on the bottom.

 

Got a folder now thankyou ;):D

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I have a bit of a problem with these timescales. I am not in the country for 2 weeks from June 18th til I return on July 3rd.

 

Is there anything I can do about this?

 

Anyone please?

 

Will the court give me more time because of this or is it just hard luck and I'm screwed?

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Hi avocados,

Strictly speaking a defence should be lodged with the court within 14 days of service of the claim form. However, where the claim is to be defended a further 14 days is allowed if the acknowledgment of service is returned with the first 14 days, thus allowing 28 days after service. I doubt the court would grant a further extension just because you where out of the country. That said, the situation is not as bad as you think and you certainly are not screwed.

I calculate that your defence has to be filed by 3 July which is a Saturday. The Bulk Claim Centre deems anything filed after 4 pm as being filed the next day. IMO, you could file electronically on Sunday 4 July and it would have the same effect as being filed late on 2 July, i.e. looked at by the court on Monday 5 July. However, it is cutting it fine and there is always the small chance that the other side will apply for judgment on day 29 (and thus ignoring any time for service, but hey, this is a DCA we are dealing with!!.

Remember, as the defence is filed electronically, you can file from anywhere in the world provided you can get an internet connection.

Personally, I would prepare my defence on the basis that I have not been supplied with the documents. If the other side haven't responded and the documents haven't arrived by 18 July, I would just file a brief defence as I went away. And if by any chance, the documents arrived as I was going out of my door, or more likely arrive whilst I was away, then I would file an amended defence after I had had he time to consider the documents, even if that meant filing after 3 July.

 

In your case

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 there is a valid CCA but not 100% sure on this. There are also charges on the account but I am unsure of how much.
You should send the solicitor who has instigated proceedings a CPR 31.14.

An official request for the documents they refer to in the POC. The default notice, the notice of assignment, the deed of assignment, a true & verified copy of the agreement, and statements. They have 7 days. Send it recorded.

You can acknowlegde the claim online(without admitting you owe the money). How you proceed further will depend on what they supply. If they fail to comply by the time you have to respond to the claim, you can file an "Embarrassed Defence", you niether admit nor deny the claim.

 

If they provide the docs(post them up to ensure they are not defective) then it will go to court, the court will set the repayments based on what you can afford. If you are on any benefits, they cannot take this, also you may be exempt from court costs.

 

If they do then get judgement against you. Check the agreement, if it does not have a Post Judgment interest Clause, the account will be frozen. Aslong as you maintain payments as per the judgment, they cannot go for a charging order.

 

Good Luck

 

Debs

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I am actually looking forward to being in court as it will give me the opportunity to prove that I have got nothing and cannot afford the ridiculous payments demanded by all of these DCA's. Like 99% of people being harrassed,bullied and having ther life made a misery by these people I'd pay if I could but I can't give what I don't have and a judge should agree and see sense with this. I don't want to disclose my hand too much and go into reasons why as they are probably reading this but under my current circumstances they will never get a charging order or an attachment of earnings and if i have to I'll just go bankrupt as I have nothing to lose so they will get eff all anyway.

 

Am I also right in thinking that say if I have £100 expendible income a month and a DCA is asking for judgement on a debt which is 10% of my total debts the most a judge can ask me to pay is 10% - £10 per month so I can set up fair repayment plans with other creditors? (round figures used to show easy example!)

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Ok the info I asked for by CPR 31.14 has not yet arrived. As stated before I am away on Friday for a fortnight so will take docmans advice and file a defence as I go away based on not having all/correct documents. I will defintely need help with this if someone could please?

 

Should the documents turn up whislt I am away it will give me all day Saturday 3rd july to prepare a new defence and I'll just have to hope that someone is around on here that day to assist me :-|;)

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I have had a reply from crapquest.

 

They say that they are not bound by the consumer credit act to provide the documents as I have not provided a £1 fee??

 

I thought that a request for doicumentation by 31.14 was totally different than a cca request and does not require a £1 fee? Have I got mixed up here?

 

The only thing they have sent me is a letter that I have never seen before stating that they have purchased the debt from MBNA. No agrrement, no default notice and no termination notice which I asked for.

 

Can someone advise if I should have sent £1 fee for a 31.14 and what I should do next?

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I have had a reply from capquest.

 

They say that they are not bound by the consumer credit act to provide the documents as I have not provided a £1 fee??

 

I thought that a request for doicumentation by 31.14 was totally different than a cca request and does not require a £1 fee? Have I got mixed up here?

 

The only thing they have sent me is a letter that I have never seen before stating that they have purchased the debt from MBNA. No agrrement, no default notice and no termination notice which I asked for.

 

Can someone advise if I should have sent £1 fee for a 31.14 and what I should do next?

 

 

If you requested the documents mentioned in the Particulars of Claim by way of a CPR31.14 request they are LEGALLY obliged to provide them free of charge and the solicitor should know this. They could be in big trouble for attempting to charge you for documents made under CPR !

 

You did send the request to the solicitor on the claim form didnt you ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you requested the documents mentioned in the Particulars of Claim by way of a CPR31.14 request they are LEGALLY obliged to provide them free of charge and the solicitor should know this. They could be in big trouble for attempting to charge you for documents made under CPR !

 

You did send the request to the solicitor on the claim form didnt you ?

 

Yes sent by recorded delivery last week

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It seems to me as though there might be a bit of a mix up.

 

Did you send the CPR31.14 request to HL Legal, the solicitors mentioned on the Claim form. Or to CapQuest.

 

If you sent it to CapQuest, then yes, they will likely believe you are requesting the docs under the CCA1974 for which there will be a charge of £1.00 and they are correct.. they are not obliged to send the agreement to you in 7 days. The regulations say 12 + 2.

 

However, you should have requested from the solicitors, HL Legal.. the following documents under CPR31.14

 

The agreement

The assignment

The default notice

 

all of which are mentioned in the particulars of claim and would be free.

 

You need to read the following threads.

 

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

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/255329-cpr-18-cpr-31-a.html

 

HTH

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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All thi shows is what idiots crapquest are! The requirement to send the statutory fee of £1 relates to requests made under S78 of the CCA for copy agreements. Your request is made under the court's rules for copies of documents referred to in the POCs. As CS stated, they will be in trouble trying to charge you for documents they should have sent to you for free.

 

i suggest you file the 'embrassed' defence but add that when you sent a CPR 31.14 request, you got this reply. You should add that you exhibit a copy of your 31.14 request and the reponse. If you are not sure, post up a draft for comment.

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 have just double checked what I sent.

 

To confirm I sent a cpr31.14 to HL legal - 100 % certain.

 

It was not to capquest and it was not a CCA request

 

See below for what I sent (some bits deleted to shorten foor this post)

 

...my address...

 

 

HL Legal Collections

Herbert Street

Redditch

Worcestershire

B98 8BL

 

Dear Sir,

 

Re: CAPQUEST INVESTMENTS LIMITED v ME Case No: .....

 

 

CPR 31.14 Request

 

On ..... 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 / the] document(s) 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 the assignment

 

3 the default notice

 

4 the termination notice

 

 

................]

 

You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter. .............

 

Where I have mentioned a..............

 

......

 

If you require more time in which to comply with this request you must tell me in writing. ...........w..........

 

If you a.........

 

..........

Yours Faihfully

 

me

 

Muppets!!!!!!!!!

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Muppets!!!!!!!!!

 

:D

Right, you sent it Recorded Delivery. Have you checked RM Website to see if it has been delivered. Sometimes they manage to avoid signing for things.. so if it doesnt say whether or not it has been delivered or no signature, dont worry too much.

 

IMHO, I would assume it has been delivered and if the 7 days are up then send them the following:

 

Dear HL Legal,

 

Claim number:

CapQuest - v - avocados

 

In respect of the above claim made against me, I wrote to you on DATE. A copy of my CPR31.14 request is enclosed for your attention.

 

All that has been received is a letter from CapQuest DATED advising me that I would have to pay £1.00 for a copy of the agreement.

 

Under CPR31.14, I am not obliged to pay you for documents that are mentioned in the Particulars of Claim.

 

As time is pressing for me to submit my defence and as you have not provided those documents requested, I would ask that you agree to an extension of time as allowed by CPR15.5.

 

“Agreement extending the period for filing a defence

15.5

http://www.justice.gov.uk/civil/procrules_fin/contents/parts/part15.htm#IDAUXNTB

 

(1) The defendant and the claimant may agree that the period for filing a defence specified in rule 15.4 shall be extended by up to 28 days.

(2) Where the defendant and the claimant agree to extend the period for filing a defence, the defendant must notify the court in writing.”

However, please bear in mind that it is my responsibility to advise the court of any extension and I will require sufficient time in order to contact them with the new filing date in writing as per CPR15.5 (2).

Yours sincerely

 

 

 

 

 

If you feel confident enough, you could telephone HL Legal and get them to agree verbally to an extension and also find out WHEN they will fulfil your CPR31.14 request.

 

Then amend the letter above to say something like.. having contacted your office today, it has been agreed that you will allow an extension of time in order to file my defence in that you have been unable to fulfil my CPR request for copies of documents mentioned in your defence.

 

Then you need to contact Northampton to advise what is happening.

 

Dont get sidetracked by HL Legal, you just want to know where your CPR31.14 is, if they cant do anything about it yet, then will they agree to an extension of time.

 

If they say NO and NO then I think you may have to submit an application to the court for them to order HL to comply.

 

HTH

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CB

 

Does the question of delivery of the CPR 31.14 letter arise? If avocados sent a letter on 7 June to HL Legal, and they forwarded the letter to their clients who responded and quote the date of 7 June, I would have thought that neither HL Legal nor Capquest can then deny they have not received the letter.

Arrow Global/MBNA - Discontinued and paid costs

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

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Thankyou both for your advice.

 

They have admitted in their reply that they have received my letter.

 

I am not sure if I would like to speak to these on the telephone but I know that I am very limited for time, I'm not not in the country from Friday for 2 weeks then my time is up on the saturday giving me one day to prepare! So I may have to get dialing :(

 

Or will citizen b's letter be sufficient?

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CB

 

Does the question of delivery of the CPR 31.14 letter arise? If avocados sent a letter on 7 June to HL Legal, and they forwarded the letter to their clients who responded and quote the date of 7 June, I would have thought that neither HL Legal nor Capquest can then deny they have not received the letter.

 

Docman, you are correct. My apologies, I didnt read the letter from CapQuest correctly.

 

In which case, I have amended the letter to HL Legal (as avocado doesnt feel confident enough to phone) as follows:

 

 

Dear HL Legal,

 

Claim number:

CapQuest - v - avocados

 

In respect of the above claim made against me, I wrote to you on DATE. A copy of my CPR31.14 request is enclosed for your attention.

 

All that has been received is a letter from CapQuest DATED advising me that I would have to pay £1.00 for a copy of the agreement.

 

Under CPR31.14, I am not obliged to pay you for any documents that are mentioned in the Particulars of Claim and requested under CPR.

 

As time is pressing for me to submit my defence and as you have not provided those documents requested, I would ask that you agree to an extension of time as allowed by CPR15.5.

 

 

“Agreement extending the period for filing a defence

15.5

http://www.justice.gov.uk/civil/procrules_fin/contents/parts/part15.htm#IDAUXNTB

 

(1) The defendant and the claimant may agree that the period for filing a defence specified in rule 15.4 shall be extended by up to 28 days.

 

(2) Where the defendant and the claimant agree to extend the period for filing a defence, the defendant must notify the court in writing.”

 

However, please bear in mind that it is my responsibility to advise the court of any extension and I will require sufficient time in order to contact them with the new filing date in writing as per CPR15.5 (2).

If you chose to ignore this letter, I will be bringing your non compliance to the attention of the court.

 

 

Yours sincerely

 

If you dont hear from them in sufficient time, then I guess you have the two options open.

 

Apply to the court and have them order the Claimant to comply or a very short embarrassed defence.

 

Does that cover it, Docman ?

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IF you are going to file an embarrassed defence, it should be just that.. embarrassed.. something along the lines of :

 

 

DEFENCE

 

1. The particulars of claim discloses no cause of action and are self evidently an abuse of process, in that they fail to deal with the basic rules of pleading in accordance with the CPR (even allowing for the constraints of the bulk issue system).

 

2. Further to that above the defendant is unable to plead effectively or at all. The defendant is embarrassed.

 

3. On DATE OF CPR LETTER, a request was made of the solicitors acting for the Claimant, by way of CPR31.14, for copies of the documents that the Claimant mentions in their Particulars of Claim.

 

3a The Claimant has responded to that request in their letter dated DATE OF LETTER advising that I am required to pay the sum of £1.00 for this information and that they are not obliged to respond within 7 days

 

4. Furthermore, the Claimant fails to plead that this claim concerns an agreement regulated by the Consumer Credit Act, 1974. However, the Claimant claims interest pursuant to section 69 of the County Courts Act, 1984 which the Claimant should surely know they are not entitled to by virtue of the County Courts (Interest on Judgment Debts) Order, 1991 (SI 1991 No. 1184 (L. 12)) in particular section 2(3)(a), which clearly prohibits such an award:

 

· The general rule

 

2(3) Interest shall not be payable under this Order where the relevant judgment - (a) is given in proceedings to recover money due under an agreement regulated by the Consumer Credit Act 1974;

 

Wait for other comments and suggestions though.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Hello :D

 

I am back and have just today left to file the defence.

 

They have not sent me anything at all for cpr 31.14 not even an acknowledgement of my letter. It was sent recorded delivery so will check with royal mail that it has been received.

 

How shall i proceed now please?

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Letter has arrived in the post this morning.

 

They state that they will give me a 28 day extension to file a defence and that they have sent a copy of this confirmation to Northants CC.

 

Do I need to do anything immediatley now or just await to see if docs arrive from them?

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Letter has arrived in the post this morning.

 

They state that they will give me a 28 day extension to file a defence and that they have sent a copy of this confirmation to Northants CC.

 

Do I need to do anything immediatley now or just await to see if docs arrive from them?

 

 

 

It is good that you have received confirmation of an extension in writing. However, the situation remains the same. If they do not provide you with the information requested then you will still be embarrased :rolleyes:

 

You will require at least two weeks to prepare your defence if you receive the paperwork required. So make a note of the extension date and give yourself 2 weeks from that date. If you have not received any information, then you may well have to either write to them again or submit a N244 application to ask a court to order them to comply.

 

I suggest you also phone Northampton on Monday morning and confirm with them that they have received the letter from the solicitors.

 

HTH

Edited by citizenB
removed uneccessary question

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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