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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.

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mbna/virgin card debt - drydens/arrows/restons discounts offer - now got claim form - help!!


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What letter did you not respond to ( point 11 in your WS ) ?

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Witness Statement

 

The Agreement

 

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

 

2. The claim in this action is for monies outstanding under a Virgin MBNA branded credit card facility regulated by the Consumer Credit Act1974,(removed).

 

3 I submitted a defence whereby I put the Claimant to 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 the CPR operates means that they should have responded to my requests,especially as i am a LIP(see T1 and T2)

 

4 I disagree that ”xx” the true copy of the agreement Is slightly difficult to read. I contend that it is illegible and as such renders the agreement unenforceable in a court of law as prescribed in The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations1983 (SI 1983/1557).

 

Terms and Conditions

 

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 question the claimant that there are parts of the agreement missing ie 1F and 1G or the words “ we will not charge interest”

 

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.

 

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 Credit Consumer Act 1974 which states that the terms and conditions must be embodied in the four corners of the Agreement.

 

The T&C are therefore inconsistent and unrelated.

 

Notice of Assignment

 

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

 

Default Notice

 

 

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

I put the claimants to strict proof that the default notice was served.

 

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

 

Conclusion

 

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

 

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

 

 

Statement of Truth

 

 

 

Dated this day xxxxxxxxxx

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I take it that I have waffled too much.Thanks Andy

 

:-D Just a Tad

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I take it that I have waffled too much.Thanks Andy

CB it was a letter inviting me to withdraw or SJ would be applied for

 

Ah righto.. well irrelevant now as AO has provided you with an edited WS to send :lol:

 

In the post where you have provided a copy of the Default Notice, there is also a copy of the Envelope. Did you actually receive the DN ? or is that Restons providing you with a copy of the envelope as well ??

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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

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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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1 more stupid question,can I put my ws online only or do I need to send an actual copy to the court and Pestons( I need to send to these I know) ta

Edited by lutin
stupidity
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No Pestons did not send the enveleope,Oh my god have I been confused, more than a confused person at the wrong confused persons conference

 

No worries.. It is just that it is most unlike MBNA to send letters by 1st class mail.. even UK first class mail :)

 

I wouldn't waste any more energy worrying about the envelope :)

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

Uploading documents to CAG ** Instructions **

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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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1 more stupid question,can I put my ws online only or do I need to send an actual copy to the court and Pestons( I need to send to these I know) ta

 

 

No.... hard copy to court/claimant..if Pestons accept electronic service then you could email as well.

 

Andy

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Well I am off to the hearing(SJ) tomorrow will see what happens???You never know the solicitor might be a babe .......if you are reading Restons...do you employ Babes? lol

Other than that any advise would be appreciated from fellow CAGGERs such as things to say to judge or even coming to an agreement(sic):-D

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Best of luck lutin the CAG is behind you.

 

Stand your ground...if unsure ask them to repeat.....give it thought before you answer.

 

Regards

 

Andy

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We could do with some help from you.

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The District Judge was not interested in my arguments on the enforcibility of the agreement

..he only wanted to know if I signed the agreement.

 

.he asked the barrister from Pestons to supply a running statement of the account(in 56 days).

 

I think that he just wanted another judge to deal with it

 

if pestons supply a running statement they can apply for Summary Judgement again.

 

It was very frustrating as the Judge did not want to go into any detail as to the enforcibility of the agreement...ahhhhhh.

 

This is so frustrating,

 

I don't know if the Judge was on my side or not....but I think not.

 

He barely let me speak and Pestons barrister was pretty crap ,said about 3 words with no conviction whatsoever.

 

Cheers Lutin

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  • 2 months later...

Right,

 

very quick BIG ASK for help.

 

Does anyone have the terms and conditions for MBNA/Virgin credit card for 2011.

 

I am in court tomorrow am .and they have stitched me up like a kipper

 

serving a witness statement a working day before hearing

 

...I know they should not but the judge may allow it

 

and if he/she does I am dead in the water!!

 

 

A hopeful Lutin.

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type in MBNA in the search on the right of the grey top toolbar.

 

that will show you all the MBNA threads

 

that should give you what you want...

 

can you not ask/get the hearing delayed?

 

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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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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Unfortunately they did and the judge allowed it.

I had them on non compliance of sec 78..The terms and conditions were different to default notice.They said it was a mistake so served a new WS on Friday afternoon,in normal post.This WS had different T&Cs which they said complied with their obligations.After judge said they were poor in putting wrong conditions for 7 months of action,:mad2: ultimately he said you had money ,you owe it so pay it plus their costs SJ in their favour.

Regards a disillusioned(with the legal system) Lutin.

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judge lottery then sadly

 

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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