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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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    • We have finally managed to obtain the transcript of this case.

      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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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mbna/virgin card debt - drydens/arrows/restons discounts offer - now got claim form - help!!


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andy is away for a few days.

 

pestons do do court, but when fronted they usually fold.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...

Hi all ,I have received a "Notice of Transfer of Proceedings" .The claim has been transferred to xxxxx County Court the claimants application to strike out the defence and Summary Judgement be entered.

Is this simply a notice that it will be moved or do I need to do anything urgently and within a time frame,as the letter was dated 2/6/13 and I have only just got it:oops:

Thanks Lutin:?:

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Summary judgment (SJ) decides a claim on one or more issues in the claim without trial lutin.A SJ can be granted where the defendant has 'no real prospect' of defending the claim at trial and there is no other compelling reason not to grant it. Fixed costs are provided in relation to SJ but the court can order costs to be assessed.

Generally SJ applications are made after service of the acknowledgement of service and the defence. They may be made earlier with the court's permission.

 

The court may refuse to give SJ but may make other types of orders such as a conditional order.

 

A summary judgment application may be based on a point of law or a question of fact or a combination. The CPR sets out the rules determining when an application can be made by a claimant, it does not expressly provide for when a defendant can make such an application.

Summary judgment and strike out applications require various documents and a court fee to be filed at court. The CPR sets out what these documents should contain. There is a specific timetable that must be adhered to, to ensure parties have sufficient time to prepare for the hearing.

 

You now need a copy of the Claimants application Notice N244 and any supporting WS...you then need to submit your own WS (not less than 7 days pre hearing) listing the reasons the application should be refused and why your defence does carry merit in order for the claim to proceed to trial.

 

Regards

 

Andy

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Contact the Court or the claimants sols...the court may charge a small fee.

We could do with some help from you.

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Scan a copy up once in receipt lutin then you need to prepare your response not less than 7 pre hearing.

 

Regards

 

Andy

We could do with some help from you.

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  • 5 weeks later...

Hi hope everyone is well and feeling good after a great month of sun:-)...

 

Hopefully I will have attached my n244 and WS.

Having looked at the WS section 4 it states that the copy of the agreement is slightly difficult to read and I would agree, as I can't make out a good paragraph or 2,surely any true copy of their agreement should be legible.

Also on the reverse of the true copy there is no heading,"Credit Agreement regulated by the Consumer Credit Act 1974 terms and conditions",as there is on the reconstituted copy.

On both the true copy and reconstituted copy the terms and conditions only go up to section 3b,however an additional number of conditions 4 to 19 are on separate pages.

These are my naieve observations and I really do apologise if they sound stupid.

Cheers Lutin

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  • 3 weeks later...

Right i am going to put a without prej save as to costs offer in ,whilst sorting defence WS.

The WS will be sent 7 days prior to hearing to court and Pestons.

WS to follow on CAG if my daughters old computer lets me,it has crashed twice whilst doing it grrr:x

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Please shoot me down in flames,mistakes and ignorance are better dealt with now.cheers lutin:oops:

Witness Statement

1 This statement is made in opposition to the Claimants application for summary judgement and by which the Claimant contends that I have no real prospect of successfully defending the claim made against myself.

 

2The claim in this action is for monies outstanding under a Virgin branded credit card facilty regulated by the Consumer Credit Act 1974,which I believe does NOT comply with this Act.

 

3 I filed a defence whereby I put the Claimant under strict proof as to how i entered this Agreement.No response was received.Prior to this had made 2 requests under CPR 31.14 for the disclosure of the documents relied on in their particulars of claim.The first request was on the22/10/13 which the claimants failed to accept as it was unsigned.the second,24/10/12 of which was not responded to even though it was signed.I believe the spirit upon which CPR rely

means that they should have responded to my requests,especially as i am a LIP(see T1 and T2)

 

4 I am in agreement that”LT 1” the true copy of the agreement is difficult to read and not legible and as such would make the agreement unenforcable in a court of law as specified in the case ???????.

On the reconstituted copy which is legible the front of the copy has nothing to tie it to the back,and even contradicts what the claimant states that these were the terms and conditions related to the front of said Agreement as has vir 04/04 on the signature side and ver 02/04 on the alleged reverse.Therefore there is no proof the terms and conditions relate to the signed document and therefore does not conform to the Consumer Credit Act 1974 which states that the terms and conditions must be embodied in the agreement.

 

5 As described in no.4 the terms and conditions were not embodied in the Agreement therefore the Claimants chances of enforcement of the Agreemnt will be realistically challenged.

 

6 At no time has the Claimant proven a notice of assignment has been sent,merely an alleged copy.

 

7 As a LIP and not au fait at the time with default notices I would not have known the difference between a notice of default and a Default Notice.No proof of a default notice being delivered.

 

8 ?

 

9?

10?

 

11 I did not respond to letter LT 6 as a LIP I was unaware that i should have responded.

 

12 I believe that i have a real prospect of winning this case due to the illegible Agreement and terms and conditions which are not contained within the alleged Agreement

13????

 

14 In these circumstances the court is invited to conclude that there are reasonable grounds to supposethat i will be able to successfully defend the claimants claim and that the Claimants application for summary judgement against me be dismissed….new allegations and evidence?????????

Signed lutin

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Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557).

 

Regulation 2 states:

 

2 Legibility of notices and copy documents and wording of prescribed Forms

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily distinguishable from the .

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Witness Statement

1 This statement is made in opposition to the Claimants application for summary judgement and by which the Claimant contends that I have no real prospect of successfully defending the claim made against myself.

 

2The claim in this action is for monies outstanding under a Virgin branded credit card facilty regulated by the Consumer Credit Act 1974,which I believe does NOT comply with this Act.

 

3 I filed a defence whereby I put the Claimant under strict proof as to how i entered this Agreement.No response was received.Prior to this had made 2 requests under CPR 31.14 for the disclosure of the documents relied on in their particulars of claim.The first request was on the22/10/13 which the claimants failed to accept as it was unsigned.the second,24/10/12 of which was not responded to even though it was signed.I believe the spirit upon which CPR rely

means that they should have responded to my requests,especially as i am a LIP(see T1 and T2)

 

4 I am in agreement that”LT 1” the true copy of the agreement is difficult to read and not legible and as such would make the agreement unenforcable in a court of law as specified in The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557).

 

Regulation 2 states:

 

2 Legibility of notices and copy documents and wording of prescribed Forms

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signaturelink3.gif, be easily legible and of a colour which is readily distinguishable from the .

 

On the reconstituted copy which is legible ,the front of the copy has nothing to tie it to the back,and even contradicts what the claimant states that these were the terms and conditions related to the front of said Agreement as it has vir 04/04 on the signaturelink3.gif side and ver 02/04 on the alleged reverse.Therefore there is no proof the terms and conditions relate to the signed document and therefore does not conform to the Consumer Credit Act 1974 which states that the terms and conditions must be embodied in the four corners of the Agreement.

 

5 As described in no.4 the terms and conditions were not embodied in the Agreement therefore the Claimants chances of enforcement of the Agreemnt will be realistically challenged.

 

6 At no time has the Claimant proven a notice of assignment has been sent,merely an alleged copy.

 

7 As a LIP and not au fait at the time with default notices I would not have known the difference between a notice of default and a Default Notice.No proof of a default notice being delivered.

 

8 ?

 

9?

10?

 

11 I did not respond to letter LT 6 as a LIP I was unaware that i should have responded.

 

12 I believe that i have a real prospect of winning this case due to the illegible Agreement and terms and conditions which are not contained within the alleged Agreement

13????

 

14 In these circumstances the court is invited to conclude that there are reasonable grounds to suppose that i will be able to successfully defend the claimants claim and that the Claimants application for summary judgement against me be dismissedlink3.gif….new allegations and evidence?????????

Signed lutin

Cheers Andy appreciate your time,especially with novices such as myself :-)

I will do some more reading and put more body into the W.S,it has to be done by the 10/9/13.

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I would lose 12 or rephrase it

We could do with some help from you.

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icon1.png Re: mbna/virgin card debt - drydens/arrows/restons discounts offer - now got claim form - help!!

Witness Statement

1 This statement is made in opposition to the Claimants application for summary judgement and by which the Claimant contends that I have no real prospect of successfully defending the claim made against myself.

 

2The claim in this action is for monies outstanding under a Virgin branded credit card facilty regulated by the Consumer Credit Act 1974,which I believe does NOT comply with this Act.

 

3 I filed a defence whereby I put the Claimant under strict proof as to how i entered this Agreement.No response was received.Prior to this had made 2 requests under CPR 31.14 for the disclosure of the documents relied on in their particulars of claim.The first request was on the22/10/13 which the claimants failed to accept as it was unsigned.the second,24/10/12 of which was not responded to even though it was signed.I believe the spirit upon which CPR rely

means that they should have responded to my requests,especially as i am a LIP(see T1 and T2)

 

4 I am in agreement that”LT 1” the true copy of the agreement is difficult to read and not legible and as such would make the agreement unenforcable in a court of law as specified in The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557).

 

Regulation 2 states:

 

2 Legibility of notices and copy documents and wording of prescribed Forms

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any
signature
link3.gif
, be easily legible and of a colour which is readily distinguishable from the
.

 

On the reconstituted copy which is legible ,the front of the copy has nothing to tie it to the back,and even contradicts what the claimant states that these were the terms and conditions related to the front of said Agreement as it has vir 04/04 on the
signature
link3.gif
side and ver 02/04 on the alleged reverse.Therefore there is no proof the terms and conditions relate to the signed document and therefore does not conform to the Consumer Credit Act 1974 which states that the terms and conditions must be embodied in the four corners of the Agreement.

 

5 As described in no.4 the terms and conditions were not embodied in the Agreement therefore the Claimants chances of enforcement of the Agreemnt will be realistically challenged.

 

6 At no time has the Claimant proven a notice of assignment has been sent,merely an alleged copy.

 

7 As a LIP and not au fait at the time with default notices I would not have known the difference between a notice of default and a Default Notice.No proof of a default notice being delivered.

 

8 ?

 

9?

10?

 

11 I did not respond to letter LT 6 as a LIP I was unaware that i should have responded.

12 got rid of and re numbered

 

12 In these circumstances the court is invited to conclude that there are reasonable grounds to suppose that i will be able to successfully defend the claimants claim and that the Claimants application for summary judgement against me be
dismissed
link3.gif
….new allegations and evidence?????????

Signed lutin

Thanks

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Here goes I have done some more work and every time I look I see more on the agreement:!:

 

Witness Statement

1 This statement is made in opposition to the Claimants application for summary judgement and by which the Claimant contends that I have no real prospect of successfully defending the claim made against myself.

 

2The claim in this action is for monies outstanding under a Virgin branded credit card facilty regulated by the Consumer Credit Act 1974,which I believe does NOT comply with this Act.

 

3 I filed a defence whereby I put the Claimant under strict proof as to how I entered this Agreement. No response was received. Prior to this I had made 2 requests under CPR 31.14 for the disclosure of the documents relied on in their particulars of claim. The first request was on the 22/10/12 which the claimants failed to accept as it was unsigned. The second,24/10/12 which was not responded to even though it was signed.I believe the spirit upon which CPR rely means that they should have responded to my requests,especially as i am a LIP(see T1 and T2)

 

4 I am in agreement that”LT 1” the true copy of the agreement is difficult to read and not legible and as such would make the agreement unenforcable in a court of law as specified in The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557).

 

Regulation 2 states:

 

2 Legibility of notices and copy documents and wording of prescribed Forms

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily distinguishable from the .

 

On the front of the agreement there is a box with words that are completely illegible,not slightly difficult to read.

On the true copy there are parts of the agreement missing ;on the alleged reverse side(1e) there is a paragraph missing after the words ”we will not charge interest” and the next labelling for the agreement is (1h). I would like to know if the claimant agrees that there are parts of the agreement missing ie 1F and 1G or the words “ we will not charge interest” are correct?

 

Also on the true copy (reverse) it is not headed “Credit agreement regulated by the Consumer Credit Act 1974 terms and conditions as required for a credit agreement to conform to said act.

 

 

On the reconstituted copy which is legible ,the front of the copy has nothing to tie it to the back,and even contradicts what the claimant states that these were the terms and conditions related to the front of said Agreement as it has vir 04/04 on the signature] side and ver 02/04 on the alleged reverse. Therefore there is no proof the terms and conditions relate to the signed document and therefore does not conform to the Consumer Credit Act 1974 which states that the terms and conditions must be embodied in the four corners of the Agreement.

 

5 As described in no.4 the terms and conditions were not embodied in the Agreement therefore the Claimants chances of enforcement of the Agreement will be realistically challenged.

 

6 At no time has the Claimant proven a notice of assignment has been sent,merely an alleged copy.In the OFT guidance notes for business on the Consumer Credit Act section 2.12 it recommends retaining proof of postage.

 

7 As a LIP and not au fait at the time with default notices

 

8 Noted

 

9 It is not agreed that a Notice ofAssignment was sent by the Claimants “sophisticated” computer system and the claimant is put on strict proof that one was sent, a receipt from the Post Office or something as simple would suffice.

 

10 Default notice?????????????????????????????????????????

 

11 I did not respond to letter LT 6 as a LIP I was unaware that I should haveresponded.

 

12 In these circumstances the court is invited to conclude that there are reasonable grounds to suppose that I will be able to successfully defend the claimants claim and that the Claimants application for summary judgement against me be dismissed

 

Signed lutin

Edited by lutin
funny text - sorted out funny text :lol:made a cock up
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Lutin, when do you need to respond to their application by ?

 

Without a copy of the Default Notice proper, you are unable to see if the copy that MBNA (Restons) say was sent, was actually valid.

 

MBNA had a nasty habit of not providing for the mandatory remedy period of 14 days and/or would demand the full balance instead of arrears only.

 

You do not know if the DN contained penalty charges, as these would NOT be arrears and should not form part of the DN.

 

You do not know if the OFT sheet which is required to be included, was indeed enclosed.

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Thanks for looking in CB.

The date for the hearing for SJ is 20/9/13..but I need to furnish Pestons with my defence by the 13/09/13 giving them 7 days .

Thanks for pointing out about the DN I will look at what they have sent including the envelope,I don't understand the significance of the DN even having read 50000 posts.

Again thanks :???:

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Andyorch would you take a look at my w.s it needs to be in today,am getting very worried.sorry to pressure you.

 

 

Witness Statement

 

1. This statement is made in opposition to the Claimants application for summary judgement and by which the Claimant contends that I have no real prospect of successfully defending the claim made against myself.

 

 

2. The claim in this action is for monies outstanding under a Virgin branded credit card facilty regulated by the Consumer Credit Act 1974,which I believe does NOT comply with this Act.

 

3. I filed a defence whereby I put the Claimant under strict proof as to how I entered this Agreement. No response was received. Prior to this I had made 2 requests under CPR 31.14 for the disclosure of the documents relied on in their particulars of claim. The first request was on the 22/10/12 which the claimants failed to accept as it was unsigned. The second,24/10/12 which was not responded to even though it was signed. I believe the spirit upon which CPR rely means that they should have responded to my requests, especially as i am a LIP(see T1 and T2)

 

4. I am NOT in agreement that ”xx” the true copy of theagreement Is slightly difficult to read. I contend that it is not legible and as such would make the agreement unenforcable in a court of law as specified in The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations1983 (SI 1983/1557).

 

Regulation 2 states:

 

 

2 Legibility of notices and copy documents and wording ofprescribed Forms

 

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature,be easily legible and of a colour which is readily distinguishable from the.

 

On the front of the agreement there is a box with words that are completely illegible, not slightly difficult to read.

 

On the true copy there are parts of the agreement missing; on the alleged reverse side (1e) there is a paragraph missing after the words ”wewill not charge interest” and the next labelling for the agreement is (1h). I would like to know if the claimant agrees that there are parts of the agreement missing ie 1F and 1G or the words “ we will not charge interest” are correct?

 

Also on the true copy (reverse) it is not headed “Credit agreement regulated by the Consumer Credit Act 1974 terms and conditions as required for a credit agreement to conform to said act.

 

 

On the reconstituted copy which is barely legible ,the front of the copy has nothing to tie it to the back,and even contradicts what the claimant states that these were the terms and conditions related to the front of said Agreement, as it has vir 04/04 on the signature side and ver 02/04 on the alleged reverse. Therefore there is no proof the terms and conditions relate to the signed document and therefore does not conform to the Consumer Credit Act 1974 which states that the terms and conditions must be embodied in the four corners of the Agreement.

 

 

5. As described in no.4 the terms and conditions were not embodied in the Agreement therefore the Claimants chances of enforcement of the Agreement will be realistically challenged.

 

6. At no time has the Claimant proven a notice of assignment has been sent,merely an alleged copy. In the OFT guidance notes for business on the Consumer Credit Act section 2.12 it recommends retaining proof of postage.

 

7. As a LIP I was not conversant at the time with default notices

 

8. The amount £12,6 is different to the amount £12,2 which is what is listed in their alleged default notice.

 

 

 

9. It is not agreed that a Notice of Assignment was sent by the Claimants “sophisticated” computer system and the claimant is put on strict proof that one was sent, a proof of postage ,and delivery confirmation from the Post Office or something as simple would suffice.

 

 

 

10. I do not agree with the amounts on their copy of a default notice as this would include penalty charges which should not be included in default notices.

 

I put the claimants to strict proof that the default notice was sent and delivered and no proof,such as post office proof of posting and delivery confirmation has been forthcoming.

 

I have not received the O.F.T guidelines on default notices

 

 

11. I did not respond to letter xx as a LIP I was unaware at that time that I should have responded.

 

 

12. In these circumstances the court is invited to conclude that there are reasonable grounds to suppose that I will be able to successfully defend the claimants claim and that the Claimants application for summary judgement against me be dismissed

Edited by citizenB
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AO has been alerted and will be with you as soon as possible.

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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