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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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Sold on to Idem


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Hi Chaps,

 

I have a friend who's MBNA account has been transferred to Arrow Global, he was notified by letter on 15th January 2012.

 

He has never been in touch with MBNA or anyone else since he defaulted 18 x months ago, and would therefore be a non-payer.

 

So this seems to follow what toxicdebt thinks!

 

 

J.

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  • 4 weeks later...
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Hi Guys,

 

I have been reading with interest as well...

Iv had a letter today stating that my debt with MBNA is now been sold on to Idem.... Do i keep paying MBNA as i trust them or do i start paying Idem who i have never heard of before?

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Hi bangers

 

My letter from Idem gives me the choice of paying MBNA for the time being or paying Idem direct. This is I think a matter of slow tactics. Idem tell me that my legal rights are not affected by this transfer (ho bleeding ho). I am not minded to pay them until they provide a CCA and statement of alleged account. Interestingly my credit file shows this a/c as absent on one and settled on another. I have not yet communicated my mind to them.

 

I hope this helps.:wink:

 

x

 

v

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Hi VS

 

Thanks for the reply, I will be giving MBNA a call in the morning with my concerns about my DMP with them and to see if Idem will honor that agreement.... Also whats worrying me is on the letter that MBNA sent me with the Idem letter in it there is no balance on the amount i have left to pay!!

 

Cheers :???:

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Indeed bangers

 

No balance or statement is a curious state of affairs.

 

One is reminded of the EU Credit Directive and that they are accountable for our legal rights. I don't think MBNA will shed much light as much as sh*t; hence slow tactics innit.

 

x

 

v

 

 

PS There are inquiries about the tax relief treatment of carousel debts by casino bankers.

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Yep, had my letter saying it was sold to Arrow, guess what,, Hippy code no 1 kicked in,,, original creditor has sold so lets see an CCA please, nothing forthcoming yet so they have been told ACCOUNT IN DISPUTE....

 

Now there is a lot of scaremongering here about charging orders. the fact is like Vic I have no equity at all and this would be my que to just stop paying me mortgage and secured loan and go and get a rented flat..... But as Vic say's, lets see what they have on us. Most MBNA CCA prior to 2007 are either lost, or unenforceable for one reason or another. As for Charging orders this is a long way down the line and to put it in perspective it would be a restriction not a charging order as such.

Edited by Happyhippy1959

[sIGPIC][/sIGPIC]Happyhippy1959

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Quite hh

 

And why is no balance shown or acceptance of legal obligations regarding previous repayment arrangements with Bank of Yanks; MBNA; Morgan Stanley; Dean Witter.

 

It's a wonder that we won the war; but I suppose we finished our Lend Lease DMP after only 40 years.

 

x

 

v

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Excalibur 48 missed 2 dmp-iva payments to Mbna in Jan, Feb! GOT A DEFAULT NOTICE/LETTER OF TERMINATION/ RESALE TO IDEM SERVICING BUNDLE-Dated 05:03.12-again "no notice", new Idem acc. No. ruse seems in place! paid Mbna for Jan, Feb and March! Advised Fos of no notice default. Termination and complained 2 Mbna CAO office!

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So threatening letters already! Havent they heard of BCOB REGS! post 2009-where they are required to treat customers, fairly and with civilty! are we customers or mere debtors! again no balance and CCA evident in corresp sent! Surely grossly ill re CCA Act 2003 and backed by UK banking regs!

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Hi guys

 

Pl see my post started 27 Jan in context of:

 

Licence History

 

Licence Details:

 

 

Licence/Application Number Licence Status Applicant/Holder Name 0642971 Current Idem Capital Securities Limited Event Details:

 

 

Event NumberEvent TypeDate of ReceiptClosed DateStatus 2Variation 22-Sep-2011 02-Feb-2012 Completed 1New Licence App 17-Mar-2011 20-Apr-2011 Completed

 

maybe gunning the jump?

 

x

 

v

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I've been just reading this thread for the first time this evening.

 

I made a full and final offer to MBNA in January 2012. There was no reply but I did notice on my CCCS account that IDEM Capital Securities had taken control of the debt.

 

I never received any letter to confirm this, so I sent the same letter to them that I sent to MBNA. 3 weeks later and I have still not had a reply.

 

They don't appear to be playing the ball here. Unless of course I'm on a long list of people awaiting responses.

 

I will keep this thread updated with my experience with IDEM.

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  • 3 weeks later...

Interesting guys, my mbna account defaulted jan 2010 and I hadn't heard any thing since then, untill a letter arrived 24th Feb telling me my loan had been sold to AOF 2 sarl and will be administered by Moorgate loan servicing, who have appointed Arden credit management to deal with me, and guess what they're all part of the Paragon group, difference is I had no payment arrangement in place with MBNA, I've cca'd them as i've no cca and sent door step letter as well any advice gratefully received.

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Hi Guys 'n' Gals,

 

First posting here so be gentle!

 

I had a CAB generated agreement, (early 2010). with my creditors which got me out of seriously sticky situation. My wife had developed a rightside brain tumour, (Glioblastoma Multiforme Grade 4), which completely changed her. She became delusional and developed serious personality changes. She ended up divorcing me and I lost everything, (except the debts in my name).

Setting up a rented flat and furnishing it was done minimally, but I had work so.......

 

Now out of work since mid March 2012 and have written to all my creditors to get them to reduce my payments to £5 each. Sent them all a breakdown too. Adjusted the standing orders to reflect the situation and they have been in place now in March and April. They all appear to be happy now, but at 59 this later this year, the prospect of getting fruitful labour is somewhat dim!

 

I received a threatening letter while I was away visiting my Mum from HL Legal saying I hadn't paid and if I didn't respond by 17th April I could face court action.

I've written back today detailing the payments I've made and I'm not really worried about HL at all. I'm making the payyments as I said I would!

 

My concern is the on the advice of some members here, I signed up for Noodle and lo, there are Idem, where MBNA should be!!

 

No-one told me my liability was being sold to Idem and Idem have not written to me.

My questions are just a few:

1. Are MBNA allowed to do this without informing me?

2. Do Idem have a licence to be able to collect my debt?

3. Will Idem have to honour my agreement?

4. Is there anything I can do to get them to write off the debt given my age/employment prospects?

 

I look forward to your knowledgeable response.

 

In the meantime.....£5 it is!

Edited by hamadryad
Spelling!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi Guys 'n' Gals,

 

 

No-one told me my liability was being sold to Idem and Idem have not written to me.

My questions are just a few:

1. Are MBNA allowed to do this without informing me?

2. Do Idem have a licence to be able to collect my debt?

3. Will Idem have to honour my agreement?

4. Is there anything I can do to get them to write off the debt given my age/employment prospects?

 

I look forward to your knowledgeable response.

 

In the meantime.....£5 it is!

 

Hi h

 

The blunt answers are:

 

1. No but Idem will swear blind that both MBNA and they wrote to you.

 

2. They do now.:wink:

 

3.No, but they are unlikely to do any more than threaten in your circumstances.

 

4. As 3; and the less you are able to pay them the sooner they'll get bored and flog it on.

 

x

 

v

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Hi Victoria,

 

Thanks for that!

 

I wonder if that means I can now stop paying MBNA through whom I took out a Virgin CC?

 

Since they will swear blind I'll demand a copy of the letter they sent to verify the action.

 

I have no fear of these kind of people. It is not my fault I am in this situation. There are more victims of cancer than those who have succumbed to that awful disease.

 

Bring it on, they can't have that which I do not have!!!

 

Nolli illigitimo carborundum!

 

x

 

B

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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My mbna acc has recently been sold to idem. My husbands mbna account has been sold to Britannica Recoveries. Are we too late to send a SAR to MBNA or do we have to send it to the new companies? One other question is there any logic behind selling the debts to different companies, I owe twice as much as my OH?

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Hi millie

 

You can SAR MBNA to reclaim charges, interest thereon and any PPI; this might also be the basis for placing the a/c in dispute.

 

As to your second question, MBNA have sold chunks of delinquent a/cs to various bunches of bandits; I suppose one would have to re-read 'Waiting for Godot' to find any logic in it.:-)

 

x

 

v

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Hi Guys,

Have read a lot about MBNA loans being unenforceable if they pre date 2007, can any one tell why this is ? and is that april 2007 ie financial year ? reason i'm asking is that my loan being chased by Arden credit management appears to date from Jan 2007, i've cca'd them and await there response any light would be much apreciated.

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Hi michelangelo,

Thats exactly what I want to know there are loads of references on various threads to this fact but have only been studying/ looking at site for about 3 days now, take your time to look through various threads its a gold mine but time and again mbna comes up with loans /cca's having been lost or unenforceable if they pre date 2007 any one help us out on this please ?

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